At FOCUS Credit Union, we believe good money habits are made — not found. That’s why we’ve crafted a collection of free tools and resources designed to help you build confidence, protect what matters, and plan for what’s next.

From budgeting and debt payoff calculators to identity theft protection tips and youth money guides, everything here is made to fit your life — thoughtfully, intentionally, and with a personal touch.

Because your financial journey should feel like it was made just for you.

Credit Score & Budgeting Resources

Credit Sense – FREE credit score access right in our mobile app/online banking!

Pocketnest – FREE step-by-step coaching available right in our mobile app/online banking!

• Free credit report
• Consumer Financial Protection Bureau Monthly Budget Worksheet
• Budget Calculator 

Calculators

• Retirement Estimator
• Credit Card Debt Payoff Calculator (for multiple cards)
• Debt Payoff Calculator (multiple debt sources)
• Medicare Eligibility

Youth Resources

• Money as You Grow: Help for parents and caregivers
  • Young Children
  • School-Age Children to Preteens
  • Teens to Young Adults
• Getting a Pet

Lifestage

• Planning for a Career Change
• 4 Steps to Better Budgeting
• Social Security: 5 Key Questions

Fraud Help Center

• Warning Signs of Identity Theft
• Report Identity Theft
• Report Fraud
• Stop Unwanted Telemarketing Calls

Loan Resources

• Should I trade in my car if it’s not paid off?
• What should I do if I can’t make my car payments?