Its a money thing
Financial products and education for younger members
  • How to Counter the Effects of Inflation

    When most people think of inflation, their response is usually similar to when they see a vintage advertisement: reminiscing about the cheaper prices of the past while simultaneously feeling some resentment towards today’s ever-rising prices. Generally, inflation is seen as a frustrating “financial fact of life” that passively affects everyone.
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  • Beware of Fast Cash

    Like local car dealerships and personal injury law firms, short-term and payday lenders tend to have the most annoying commercials on TV. They’re often tacky and annoying. Their promises of “fast cash!”, “guaranteed approval!” and no “credit check required!” are enough to make you change the channel.
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  • Are Checks Obsolete?

    Checks hold an odd place in our personal finances. In many ways, checks seem like relics from a previous era. We maybe write one or two checks a month (usually for rent). This is vastly different from only a few decades ago, when checks represented more than 85% of all non-cash retail payments.
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  • The Effect of Time on Investing

    Investing can seem like a very risky, complex and fast-moving process. With endless combinations of investment vehicles to choose from, it can be difficult to take your first step as an investor—especially with the knowledge that all investments carry the risk of losing some or all of your money. So why bother?
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  • Finding The Loan That’s Right For You

    Loans help finance some of our biggest goals in life. They can provide access to possibilities that we can’t afford upfront. A loan is also one of the biggest financial commitments we make in our lifetime. Rushing into a loan without understanding how it will affect your budget can create a stressful situation that can spiral out of control.
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  • Where You Seek Financial Advice Says a Lot

    How did you decide where to open your first bank account? Where did you learn to budget or pay bills? If you have a money question now, what do you do? If you’re under the age of 30, your answers to the above questions are likely some combination of “my parents”, “the Internet” and “I don’t know—I just kind of figured it out”.
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  • Living On Your Own And “Bill Time”

    Living on your own for the first time can be empowering. It means having independence and all the things that come with it. Some of those things—like not having to share a bathroom—are wonderful. Others—like killing spiders yourself—are not so fun. And leading the pack in the not-so-fun category: bills.
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  • To Lease or To Finance: That is the Question!

    When it comes to buying a new car, you have three options: purchasing it with cash, purchasing it through a loan (also known as financing) or leasing it. For most shoppers, the decision comes down to buying or leasing. On the surface, the differences between leasing and buying a vehicle seem fairly straightforward.
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  • Be Prepared, Because Life Happens

    An emergency fund is an essential part of your personal finances. Its importance is stressed in almost every personal finance book and budgeting blog, and yet 26% of Americans currently have no emergency fund in place. Of those who do have an emergency fund, up to two-thirds don't have the often-recommended six months’ worth of expenses saved.
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  • What’s The Best Card To Use?

    Think fast: what’s the most recent financial decision you made? You likely won’t have to think too far back. It’s not the last account you opened, or the school loans you consolidated—it’s something much simpler. Think back to the last thing you purchased — your most recent financial decision was likely what form of payment to use.
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  • Why Is It Called A Credit Union?

    While bank and banking are universally understood and accepted terms, the term credit union is still largely misunderstood. Credit union is an unusual term, isn’t it? Is it just another name for a bank? Is it a credit card company? Do I have to be in a union to join? But, just like Jackson or Smith, Credit Union is our last name and we’re proud of it.
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  • It Pays To Start Saving Now

    In case you haven’t heard, compound interest is the best. You may remember it as an equation you had to memorize for math class, but it’s so much more than that. It’s the concept that powers all sorts of savings and investment products and, over time, allows you to turn your money into, well, more money!
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  • Budgeting Basics

    Budgets are like the New Year’s resolutions of personal finance. We all know we should have one and we all know it’s a fairly simple thing to follow—at least in theory. Like resolutions, we often map out personal budgets with the best of intentions, only to abandon them a couple of weeks later.
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  • Boost Your Credit Score: 4 Myths Debunked

    Credit scores are an area of personal finance that seem a lot more mysterious than they actually are. Many people believe that improving them is a matter of trial and error and, as a result, there’s a lot of “credit score advice” floating around that can end up doing more harm than good.
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  • Foiling Identity Theft

    Identity theft is nothing new, and yet it still manages to cost its victims billions of dollars (yes, that’s billions with a “b”) globally each year—not to mention the time and hassle involved in recovering a stolen identity. The good news is that there are tons of things you can do to deter identity thieves.
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  • Credit Score Breakdown

    You’ve likely heard about credit scores before (thanks to all those commercials with terrible jingles), but what do you actually know about them? How long have they been around? And what’s the deal with checking them? A credit score is a number (usually between 350 and 800) that represents your creditworthiness.
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  • Choosing your financial institution

    What was the very first financial choice you ever made? Think about it: it likely took place before your first job, even as far back as when your annual income consisted of Tooth Fairy money and lucky pennies. The very first financial decision you ever made also is one of the most important choices — it’s where to keep your money.
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TruMark Financial helps younger members by creating products with them in mind. Many of the credit union's products make account access easy and help build credit for a strong financial future. These products include:

    • Smart Start Checking account
    • Smart Start Rewards Visa® credit card
    • Customized debit card 
    • Auto loans
    • Student loans
    • Text banking
    • Text Club
    • Direct deposit
    • And more