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Financial Uncertainty

During Times of Financial Uncertainties

CUA can help during furloughs, layoffs, and early retirements

Even the best of us can’t anticipate an employer’s decision to change our work and financial path. Be it by imposing a furlough, layoff, or even an early retirement. In times of financial uncertainties, Credit Union of America has several resources to help you shore-up your finances and make the best of an interruption or change to your income.  In fact, CUA’s resources can be helpful during times of more financial stability, too.

Help at Your Fingertips

GreenPath Financial Wellness is a CUA partner that focuses on your financial wellness, providing online resources, counseling by telephone (800.550.1961), and debt management plans.  GreenPath services are free to CUA members, with one exception. If GreenPath is needed to assist with managing a members’ bills a small fee is assessed monthly with the member’s agreement.  GreenPath services are confidential and include:

  • Credit Report Review
  • Debt Counseling
  • Budget design
  • Foreclosure Prevention & Support
  • Free Online classes, podcasts, webinars, calculators, worksheets, & guides
  • Simple Payment Plans
  • Student Loan Counseling
  • Bankruptcy Support
  • Debt Management
  • Reverse Mortgage Counseling

Prefer a Local Contact for Financial Guidance?

CUA offers an on-site Financial Education Specialist (FES), Nakita Dobbs, to assist you with questions and basic guidance on your financial matters at no charge. To visit with Nakita, call 316.265.3272 or 800.256.8049, ext. 116 for your appointment. Nakita offices at the Delano branch, but can travel to other CUA branches for appointments or she also consults via telephone. Nakita is a Certified Credit Union Financial Counselor (CCUFC) and is well-versed in CUA services, having served as a Financial Services Representative and a Branch Manager at CUA’s Woodlawn and Derby offices, respectively.  Nakita has been with CUA for 8 years.

Investments

Perhaps a change in employment means you have a lump-sum distribution, stock or cash bonus, or even a retirement account that needs to be reviewed or transferred.  CUA can help with that too. Licensed professionals are on staff and ready to help. Just call 316.265.3272 or 800.256.8049 and ask to schedule your free appointment and portfolio review.

What about Your Loans?

When a change in income is imminent, the first step is to contact your lender(s) and let them know your situation. The earlier you contact them and the more upfront you are with the lender, the easier it will be for them to provide options in debt consolidation plans, rate reductions, or restructuring your repayment period in order to lower payments, before you get in so far over your head that those options are no longer available. Each case is a bit different, so contact your lender as soon as possible to discuss options for your situation. Then keep in touch with your lender, letting them know if your situation is changing (good or bad), even if you’re still making payments on time. Frequent communication prevents negative surprises on either end. Your lender’s goal is to help you through the tough time so you can meet your loan obligation and keep your collateral. Need assistance? Call 316.265.3272 or 800.256.8049, ext. 55.