Welcome to LutheranFCU Financial Education, a place built to help you grow in confidence and clarity with your money. We believe good financial habits matter, and we take seriously our responsibility to provide practical resources that help you manage what you have well. Explore short, animated lessons, plus articles and infographics, all designed to give you simple next steps you can use right away. It is another way we help you be good stewards of the gifts God has given you.
It’s a Money Thing Trailer
Check out the trailer for the It’s a Money Thing series of videos!
It’s a Money Thing Topics
Think buying a home is automatically better than renting? Think again. Watch this fun Financial Education Friday video on the pros and cons of each.
Buying a home is exciting, but mortgages can get complicated fast. We break down fixed-rate vs. adjustable-rate mortgages, APR, and amortization in a simple, approachable way so you can better understand what you’re signing up for.
Paycheck withholdings determine how much money you actually take home each pay period—but many people don’t realize they can adjust them. Learn what common pay stub terms mean, how withholding allowances work, and how updating your W-4 can help you avoid surprises at tax time and keep more of your money throughout the year.
Want a better credit score without the confusion?
Credit Squirrel is back with 7 smart (and simple) tips to help you build stronger credit — from paying on time and keeping balances low to using credit wisely and avoiding common mistakes. If your credit score could use a little love, this quick video is packed with practical advice you can start using right away.
Watch now and let Credit Squirrel help you get your score in tip-top shape!
Ever wonder what your credit score actually means—and why it can change the interest rate you pay by a lot? In this quick, fun lesson, Credit Squirrel breaks down the 300–850 score range and the five biggest factors that shape your number: payment history (35%), credit utilization (30%), length of credit history (15%), new credit (10%), and credit mix (10%). Watch to learn what matters most so you can protect your score, qualify more easily, and save money over the long run.
This lesson breaks down the simple 50/30/20 rule and shows how to balance needs, wants, and savings, even when life doesn’t fit perfectly into neat categories.
This lesson introduce some overarching concepts that can be applied to any budgeting system and illustrate that budgeting should come from a place of confidence instead of a place of guilt.