This is one of the first and most important steps toward financial freedom! But it can be difficult to know where to begin. We will look at the whole picture with you and discuss options for your unique situation. We may even be able to find ways to save you money! GCU offers many tools to make the debt-reduction process easier, from systematic savings programs to debt consolidation loans.And because we are a not-for-profit institution dedicated to improving our members’ financial lives, you can be confident that we always put your best interests first.You can even get started right now by trying our free online Debt in Focus tool!
Improving Your Credit Score
When is the last time you checked your credit report? Did you know you’re entitled to at lease one free report every year from each of the 3 major credit bureaus? Click here to learn moreMaintaining good credit health is important not only to ensure you get the best deal on your loans, but also to prevent identity theft.Less than perfect history? Afraid to look? Come see us. We can help you make a step-by-step plan to build or repair your credit. We even offer extremely low-cost secured loans and credit cards that are perfect for credit-challenged members.
Building Your Emergency Savings
Do you have enough cash in your rainy-day fund to cover 3-6 months of expenses? Most experts recommend this as an essential step in becoming financially secure, but for those of us used to living from paycheck to paycheck it can seem overwhelming.Guadalupe Credit Union offers several tools that make it easy to start building peace of mind. Our systematic savings programs are a great place to start. We also offer lots of great tips in the Learning Center.
Sending A Child To College
The rising cost of tuition is enough to make any parent nervous. We can help you calculate how much you’ll need to save. If the college brochures are already starting to pile up, come see us to talk about other options to help your children reach their dreams, like a home equity line of credit. And be sure to ask us about the annual scholarship offered by the New Mexico Credit Union Education Foundation!
Owning Your Own Home
Helping our members buy their own home might just be our favorite thing to do. We can help you find out how much house you can afford, and we offer a wide range of mortgage options.Not ready to buy just yet? It’s never too early to start planning! Come see us to talk about easy ways to save for a down-payment. You can also find lots of helpful information in the Home Loans and HELOCS section.First-time home buyers may qualify for special assistance. We are also proud partners of the Housing Trust and Homewise, non-profit organizations committed to helping first time buyers own their own home in Santa Fe.
Start small, and start today! Come see us to make a plan for the future. We can help you figure out how much you’ll need and what it will take to get there. An IRA is a smart choice at any age for great rates and tax benefits. We can help you choose the right one for you. We even have systematic savings programs that make it painless to start building a more secure tomorrow. Learn more about IRAs and other ways to save in the retirement section of our Learning Center.
Another Major Goal/Purchase
Whatever your dream may be, we want to help you have the money to make it possible. Come see us to create a step-by-step savings plan that’s a perfect fit for you.
Buying A Car
Think of Guadalupe Credit Union as your secret weapon in getting a great deal on a car. We offer the same great rate, new or used, and we can even save you money on the warranty! Apply today for a pre-approval and shop with confidence.
Visit NerdWallet.com for a variety of financial tips and articles on everyday life.