February - Buying a Home: "Where Your Money Counts the Most"
In this In this exciting seminar, the professionals from our mortgage department will discuss all the stigmas that go along with buying a home! For example, many people think in order to purchase a home through a conventional loan that they need to save 20%, pay off their entire student loans, credit card loans or car loans. Our professionals will not only tell you why this may not be true, but help you prepare for purchasing your dream home.workshop you will understand what it means to be financially healthy – which is so much more than the one score everyone asks you about today – your credit score. True financial health is based on four key components: Spend, Save, Borrow, and Plan. You’ll also get a chance to confidentially determine your own Financial Health Score and the steps you can take to improve that score.
Thursday, February 13, 2020
6:00pm - 7:00pm
Saturday, February 15
10:00am - 11:00am
February - Drive Away Happy: Car Buying Decisions
Getting a car can be overwhelming and stressful with all the decisions to make: new or used; buy or lease; zero percent financing or rebate (not to mention what color to pick). Participants will learn tips and tricks to have the best car shopping experience possible, while also making wise financing decisions.
Saturday, February 8, 2020
10:00am - 11:00am
Tuesday, February 11, 2020
5:30pm - 7:00pm
Tuesday, February 13, 2020
12:00pm - 1:00pm
If you can not make it to one of our branches for the seminar, you can also register for one of our online webinars below.
Session 1: Tuesday, February 11, 2020
Time: 12:30pm - 1:30pm CST
Session 2: Thursday, February 20, 2020
Time: 7:30pm - 8:30pm CST
Questions? Contact David Tognarelli
Watch for more information on our 2020 seminars!
January - Are you Financially Healthy?
February - Drive Away Happy
March - Repaying Student Loans
April - Identity Theft Solutions
May - Becoming a Homeowner
June - Understanding Credit
July - Psychology of Spending
August - Federal Student Aid with FAFSA (YOUTH)
September - Your Credit Score
October - Retirement Planning: The Basics
November - Building a Better Budget
December - Basics of Personal Finance
Credit Card Makeover
Credit cards can be a great financial tool, but for some, can lead to debt and financial trouble. These sessions provide an overview of credit card usage, warning signs of credit issues, and options for debt management and reconstructiong existing credit.
Breezing Through the Holidays
It may be called “the most wonderful time of the year” but December can also be filled with unwanted debt with holiday spending. Learn budgeting strategies and tactics to avoid that year-end credit card crunch and sidestep debt traps in the future.
Using Home Equity
There are numerous benefits to owning your own home. Not only does it provide you with a place to live, but you can also often use the accumulated equity for many money-smart purposes. Borrowing further against your home is a serious financial decision and should only be done after careful research and consideration. This session will discuss the pros and cons of borrowing against your equity and also review the different ways you can do so.
Digital Financial Services
Technology has made managing your money much more convenient. Whether it's opening and managing accounts, transferring money or bill pay, you'll learn the fundamentals of electronic banking.
Teens and Money (Youth)
Young adults are primed to soak in new information. It’s a great time to guide them to money management techniques that can last a lifetime. Attendees will learn managing money effectively, preparing for common upcoming bills, opening checking and savings accounts, establishing credit (and use it wisely), and looking at investing options.
Financial Health for the New Year
In this workshop you will understand what it means to be financially healthy – which is so much more than the one score everyone asks you about today – your credit score. True financial health is based on four key components: Spend, Save, Borrow, and Plan. You’ll also get a chance to confidentially determine your own Financial Health Score and the steps you can take to improve that score.
Protect Yourself From Identity Theft
Do you have concerns about the recent Equifax breach? Join First Northern Credit Union for a seminar on Identity Theft! In this seminar we will discuss ways to protect yourself and your personal information, so you won’t become a victim of identity theft. For people already impacted, we’ll also explain the steps to resolving the issue and precautions to prevent it from happening again.
Margs, Chips, & Mortgage Tips
Learn about a variety of loan products, first time homebuyer grants, and other down payment/closing cost assistance programs that are available to fit your needs. We'll also touch on the benefits and reasons to refinance your current home.
Teaching Teens Credit and Savings
This seminar is for students of all ages and their parents.
Identity theft is the fastest growing white-collar crime in the U.S. and millions of Americans become victims each year. Knowledge is our best defense. In this seminar, learn what ID theft is, how it can happen to you, tips to avoid it, and what to do if you ever become a victim.
Home Buying 101 - Get on the path to homeownership
Learn how to purchase and finance a mortgage. In this seminar, you will learn the benefits of buying a home, how to improve your credit, and how to evaluate a home and make an offer.
Home Buying 101 for Veterans
Veterans learn about the purchasing and financing of a VA loan. Whatever your needs are, First Northern Credit Union wants to be your one stop shop for all things mortgage! In this seminar you will learn the financial reasons to buy a home, options for improving your credit, and how to evaluate a home and make an offer.
Take the Wheel, Get the Best Car Deal
Buying a car is sometimes a difficult and frustrating process - so let First Northern help! In this seminar, you will learn how to negotiate with dealers for the best price, decipher the financing and warranty options, and determine how much car you can afford and need. Plus, we will give you a car inspection and test drive checklist.