Life is full of milestones—and your financial needs grow and change with every one of them. Whether you’re just starting out, settling down, or planning ahead, UHFCU is here as more than just a bank. We’re your best financial friend (BFF), cheering you on and helping you make smart money moves at every step.

1. Building Credit
   Getting your first credit card can feel like a rite of passage—but it’s also a major step toward financial independence. We’ll help you build credit the smart way with low-interest cards, the tools for on-time payments, and tips to keep your score moving up—not your stress.
2. Financial Literacy You Can Actually Use
   Money doesn’t come with a manual—but we’ve got the next best thing. Our free workshops, financial education app, and real-life guidance help make sense of things like budgeting, credit scores, and loan terms—so you feel confident, not confused.
3. Your First Big Purchase
   Whether it’s a car, a couch, or that dream trip with friends—big purchases come with big decisions. We’ll help you borrow smart, budget wisely, and avoid buyer’s remorse (been there).
4. Saving Made Simple
   Whether you’re stacking up for a rainy day, a big goal, or just peace of mind, we make saving easy. Set aside funds automatically with direct deposit, open high-yield certificates instantly in Online Banking, and watch your money grow—slow and steady (or fast, if that’s your style).
5. Buying a Home or Tapping Into Equity
   Ready to buy your first home or tap into your home’s equity? We’ve got your back. From first-time homebuyer guidance to smart options like a Home Equity Line of Credit (HELOC), we’ll help you make confident, informed decisions—whether you’re moving in, fixing up, or planning ahead.
6. Planning for Retirement & Your Legacy
   Retirement planning isn’t just about saving money—it’s about ensuring peace of mind for you and your loved ones. We offer guidance on building a solid retirement fund and investment services, including FREE workshops about estate planning and more.

Life Happens. We’re Here.
Unexpected expenses? Career changes? New baby? We’ll always meet you where you are, not where you “should” be. With flexible loans, low rates, and local service you can trust, you’ve always got someone in your corner.