UPDATE: Our Lewiston, Hillman, Gaylord Main and Gaylord Commerce branches are now OPEN.

Atlanta will be operating drive-thru only as they work through a few more technical issues. Our Care Center is here to support you by phone at (877) 937-2328. We apologize for any inconvenience.

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Blog Archive

2022(50)
October(3)
October 20th is International Credit Union Day!Don’t Get Caught in a Fake Lottery ScamCybersecurity Month: Secure Your Payments
September(5)
Should Your Next Car be Electric?Finding the Best Way to Pay: Cash, Credit, or DebitSchool Spotlight: Embracing Summer Youth EducationFinding a Home During the Back-to-School SeasonProtect Your Information at Our Upcoming Shred Day!
August(4)
Should I Keep Cash at Home?How to Spot a Survey ScamAll You Need to Know About Student LoansAugust is Wellness Month
July(4)
Summer of Sharing Spotlight: Plymouth PollinatorsHow to Start Retirement Planning EarlyRaising Financially Independent ChildrenBeginner’s Guide to Credit Cards
June(6)
Tips for Divorcees: Rebuilding Your FinancesSave Big Bucks by Brown-Bagging Your LunchWixom Elementary and the Foundation for ExcellenceBeware of Job ScamsTips for Summer TravelSummer of Sharing is Back!
May(6)
How to Make Yourself Indispensable at WorkRetirement Tips: Is Refinancing Worth It?A Dose of Reality at Hillman High SchoolDon't Get Caught in a QR Code ScamSteps to Buying Your First HomeHow to Talk Finances with your Partner
April(6)
How to Save on Entertainment CostsGood Recycling Habits for Earth DayBeware of Debt Relief ScamsSchool Spotlight: Starkweather Academy Students Prepare for their FutureFinancial Literacy Month ResourcesGet Cooking with Community Financial
March(6)
National Credit Education Month: Raise Your Score!The Best Way to Spend Your PaycheckSchool Spotlight: “March is Reading Month” at Edison ElementaryBuilding Financial Habits that LastHow to Protect Against Identity TheftThumbs Up for Charity is Back!
February(5)
Is Buying or Leasing Your Best Bet?School Spotlight: Miller Elementary Celebrates 10 Years of Partnership!Get Your Kitchen into Gear and Start Saving10 Tips for ATM SafetyScam Alert: Phone Call Scams Could Cost You
January(5)
Security Tips: Multi-Factor AuthenticationSchool Spotlight: Safe Savers for the 2021-2022 School YearIs Inflation Here to Stay in 2022?Tips for Grads: Planning for College TuitionJumpstart Your Small Business Resolutions
2021(61)
December(5)
4 Ways to Shop Smarter OnlineTips for Retirees: Planning for a Single RetirementAmerman and Gaylord Intermediate Celebrate 30 Years!Beware Cryptocurrency ScamsCelebrating 10 Years of Warming Hearts & Homes
November(6)
Tips for Utilizing Skip PaymentsBlack Friday/Cyber Monday TipsSchool Districts Embrace Support from Community FinancialIs Early Retirement an Option for You?Getting Ready for World Kindness Day#ThankfulThursdays are Back!
October(5)
Beware of Gift Card ScamsCelebrating International Credit Union DaySchool Spotlight: Looking Back and Moving Forward!Post-Pandemic Money MovesEasy DIY Halloween Costumes
September(4)
All You Need to Know About Auto LoansMake Your Road Trip Budget FriendlyWe Want to Hear From YOU!Back to School Scams
August(5)
Six Reasons to Switch to eStatementsShred Your Confidential Documents on September 11thCollege Degree ScamsTips for Caregivers: Home SafetySummer of Sharing Donation Supports Veteran Housing
July(3)
5 Steps to Take Before Making a Large PurchaseHow to Save on LandscapingTips for Grads: Making the Most of Your Summer
June(6)
Tips for Retirement: Staying Stress FreeEssential Tools for Every HomeownerSchool Spotlight: Connecting and Interacting During the SummerCredit Union Strong for 70 YearsMicro-Deposit ScamsSummer of Sharing is Here!
May(5)
Thriving in a Multigenerational WorkplaceLewiston Elementary Volunteers Celebrate PerseveranceUnderstanding Financial Power of Attorney5 Senior Discounts You May Not Know AboutCreative Ways to Celebrate Mother's Day
April(5)
Preparing Financially for a New BabyTips for Empty Nesters: DownsizingSchool Spotlight: Celebrating March and April with Our Community Partners!Free Financial Literacy Month ResourcesHow to Get the Most from Your Online Banking
March(6)
What Type of Saver are You?Tips and Tricks to Keep Your Data PrivateSchool Spotlight: Orchard Hills Students Continue to Be Money-Smart!Save Money When Shopping OnlineBeware Coronavirus Vaccine ScamsThumbs Up for Charity is Back March 8th!
February(6)
Five Steps to Take After a Financial DisasterWayne-Westland's School Partnerships with Community FinancialHow to Make Meals at Home Easier (and Cheaper!)All You Need to Know About Checking Accounts Celebrating Black History Month in 20215 Reasons We Overspend (and How to Overcome Them)
January(5)
Beware Heartbreak with Romance ScamsSlow Cooker Teriyaki Chicken ThighsSchool Spotlight: Plymouth Scholars Charter Academy Students Grow Their Savings Early!5 Ways to Destress After the Holidays for LessJanuary is National Blood Donor Month, 5 Reasons to Donate Today!
2020(61)
December(6)
All You Need to Know About Going Cashless5 Ways to Trim Your Fixed ExpensesBeware of Debt-Collection ScamsSchool Spotlight: Liberty Middle School and Financial Online Resources for Middle School Students3 Ways to Make Your Holidays Bright (and Safe!)9th Annual Warming Hearts & Homes: You Click, We Donate!
November(5)
Financial Health in a COVID World School Spotlight: Rosedale Elementary, A Partner in CreativityHow to Celebrate Thanksgiving During COVID-19Beware Jury Duty Scams#ThankfulThursdays are Back!
October(5)
When Does it Makes Sense to Pay a Bill with a Credit Card?8 Ways to Spot a Counterfeit BillSchool Spotlight: Staying Positive at Wixom Elementary!International Credit Union Day: Inspiring Hope for a Global CommunityDIY Halloween Décor
September(5)
5 Side Hustles Anyone Can DoCelebrate the First Day of Autumn in StyleHow to Create Your First Elevator Pitch3 Reasons to Switch to Digital Wallet PurchasesLearn New Skills Without Spending a Penny
August(4)
The Back to School Guide for These Unconventional TimesStay 6’ Away from Scammers as the Country Reopens5 Ways to Celebrate National Financial Awareness DayMy Savings Has Been Wiped Clean; How Can I Replenish It?
July(4)
Preparing for an InterviewKid’s Corner: Building a BudgetSummer of Sharing Donation Helps Families Connect with Free Movie NightsHow Can I Use a Job Loss as a Stepping Stone for Growth?
June(6)
The Complete Guide to Prioritizing Bills During a Financial CrunchAll You Need to Know About Closing CostsSchool Spotlight: New School High Learns Real-Life Skills with the Student-Run Credit Union ProgramCreative Dine-In Cooking: Spaghetti PizzaWhy Is There Still a Shortage on Some Goods?Summer of Sharing 2020: 10 Years of Sharing
May(5)
Creative Ways to Save on Energy CostsWays to Kick the Quarantine BluesSchool Spotlight: Hillman High School Students Learn about BudgetingCOVID-19 Texting ScamHow Should I Spend My Stimulus Check?
April(5)
How to Build Up Your Credit From ScratchHow to Care for Your Car During a LockdownSchool Spotlight: Plymouth Scholars Partnership Goes Beyond Saving Money Ways to Productively Spend Your Time at HomeApril is Financial Literacy Month
March(6)
Fun Activities for Kids at HomeTips for Working at HomeSchool Spotlight: Gallimore Volunteers Multitask at the Student-Run Credit Union! Beware of Coronavirus Scams Why You Should Never Abbreviate 2020"Thumbs Up for Charity" Starts March 9th!
February(5)
9 Germy Places to Avoid or Disinfect This WinterSchool Spotlight: Hillside Middle School Students Continue to Save How to Create a Budget in 6 Easy StepsCreate Your Own Photo ShootBeware of the Fake Check Scam Targeting College Students
January(5)
Making Your Own LuckAll You Need to Know About Home LoansSchool Spotlight: Wildwood Elementary Students are SMART!January is National Blood Donor Month, 3 Reasons to Donate TodayDon’t Get Scammed at the Gym
2019(62)
December(6)
Using 20/20 Vision in Your Financial New Year's ResolutionsStay Safe From These Airbnb Scams This WinterHow to Prepare Your Home for WinterSchool Spotlight: Bentley Elementary Students Benefit with the Student-Run Credit Union and Junior Achievement Programs6 Ways to Keep Your Finances Intact This Holiday SeasonWarming Hearts & Homes is Back. You Click. We Donate!
November(6)
What Are You Grateful For?5 Scams to Avoid This Black FridaySchool Spotlight: Celebrating Diverse Learners at Kennedy ElementaryHow Much Money Should I Keep in My Checking Account?9 Ways to Thank a Veteran This Veterans DayThankful Thursdays are Back!
October(6)
Save Money by Dining In | Butternut Squash and Chicken Chili5 Apps to Download Before the Holiday Shopping SeasonSchool Spotlight: Ridge Wood Elementary Teachers Engage Students in Financial EducationInternational Credit Union Day is October 17th!Making Banking Easier with an Updated Mobile App!Ways to Save on Food Costs in College
September(4)
The Ultimate Cheat Sheet for Weekday ShoppingBack to School for Our Student-Run Credit Union Team! Do My Child’s Activities Really Need To Make Me Go Broke?Community Financial Named "Best and Brightest" for 14th Year
August(4)
Destroy Confidential Documents at Shred Day- September 21st!Your Guide to Identity Theft Protection11 Ways to Save on Back-to-School Shopping7 Steps to a Mid-Year Financial Checkup
July(5)
Summer of Sharing Donation Helps Local Robotics TeamWhat’s the Best Way to Pay for a Home Renovation? Make a Splash This Summer with $100 Cash from Sprint 7 Money Myths You Need to Stop Believing How to Enjoy a Busy Wedding Season without Going Broke
June(5)
Is FIRE a Realistic Goal for You?CFCU-Sponsored Events in Your Community!Which Features Should I Look for in a New Car? School Spotlight: Celebrating the School Year with Field Elementary8 Side Hustle Ideas for Extra Income
May(5)
We’re Ready to Give Back with the Summer of Sharing 8 Ways for Kids to Make Money This SummerSchool Spotlight: Edison Elementary Students Learn on the Job!6 Ways to Save Money on Camping CostsWhen Should I Put My House on the Market?
April(6)
Easy Spring Cleaning TipsHome Improvement Hacks School Spotlight: West Students Learn Budgeting Basics8 Ways to Spot a Job Scam7 Signs You're Living Beyond Your Means and How to Fix ThemFree CFCU Resources for Financial Literacy Month
March(5)
7 Ways to Spring for Extra CashSpringtime Gardening TipsSchool Spotlight: Coolidge Elementary Starts Early with Financial Education 5 Ways to Pay off a Loan Early "Thumbs Up for Charity" Starts March 11!
February(5)
7 Reasons Not to Skip a Home InspectionCelebrating Wixom’s Grand Opening with Guest Blogger AlexSchool Spotlight: Meads Mill Students are Saving for Their Future!8 Reasons to Love Being a Credit Union Member6 Exercises That Improve Your Focus
January(5)
7 Ways to De-Stress for Less The Ultimate Guide to Your First Apartment School Spotlight: Gaylord Intermediate Students Set Savings GoalsDo I Need an Emergency and Rainy Day Fund?6 Ways to Help Pay for College
2018(63)
December(6)
4 Financial Resolutions for 2019 6 Financial Mistakes People Make in their 20's and How to Fix ThemSchool Spotlight: Local High School Students Learn About CreditMaking the Holidays Count When Home from College7 Naughty Scams to Watch Out for During the HolidaysWarming Hearts & Homes is Back. You Click. We Donate!
November(5)
10 Restaurant Hacks to Save You MoneyManage Your Finances This Holiday Season School Spotlight: Grand River Academy Students Learn Interviewing Skills 9 Ways to Break Up With Your Phone #ThankfulThursdays are Back! What are You Thankful For?
October(6)
How to Prepare Your Home for Winter All You Need to Know When Buying a Used CarSchool Spotlight: Moraine SRCU Volunteers are Leaders! International Credit Union Day: Find Your Platinum Lining How to Create and Keep Strong Passwords 6 Times a Bargain is Not a Bargain
September(4)
Benefits of Using eBanking and Mobile Banking The Pros and Cons of Buying New Vs. Used Cars Foods that Improve Focus: College Edition Back to School for Our Student-Run Credit Union Team!
August(5)
Community Financial Named "Best and Brightest" for 13th Year How to Use Digital WalletsBack-To-School Shopping HacksDestroy Personal Documents at Community Financial’s Shred Day!What Can I Do About Robocalls?
July(5)
Summer of Sharing Donation Provides Skills to Teens with Special Needs School Spotlight: P-CEP Seniors Get Financially Ready for Real World7 Questions to Ask Yourself Before Making a Large Purchase 5 Ways to Budget for Your Wedding How to Buy a Boat
June(5)
6 Ways to Turn Your Dream Vacation Into a Reality Family-Friendly Summer Events in Your Community School Spotlight: Local High Schools Learn About FraudThe 20% Down MythBeware of Social Media Scams
May(6)
It’s Time to Give Back with the Summer of Sharing! 13 Incredible Grilling HacksSchool Spotlight in the North: Students Take the $5 Bill QuizReady, Set, Go… to College 12 Tips to Sell Your Home QuicklyHow Should I Use My Tax Refund?
April(5)
How to Talk Money with Your PartnerSchool Spotlight: Thornton Creek Students Practice ProfessionalismGetting Your Home Ready for Spring Celebrate Financial Literacy Month Saving on Home Renovations
March(5)
2017 Community Matters Annual Report AvailableEnergy Saving Tips When Buying New AppliancesSchool Spotlight: Liberty Middle School Students Get Schooled in “Adulting” Understanding Regulation D and Withdrawal Limits Thumbs Up For Charity is Back March 12th!
February(5)
Mistakes First-Time Homeowners Make Presidents’ Day: Who’s on Your Money?School Spotlight: Orchard Hills Student-Run Credit Union Volunteers Excel at Organization!Celebrating Westland’s Grand Opening with Guest Blogger Shawn What to Look For In Your First Job After College
January(6)
Combating the Financial Mistakes of Our 20s And 30s How to Reach Your Goals in 2018 School Spotlight: Webster Elementary Students Learn Interviewing Etiquette SkillsWays to Pay for College You Might Have OverlookedDe-Stressing After the Holidays Help! I Overspent on Christmas

Tuesday, April 28, 2020

How to Build Up Your Credit From Scratch

If you’ve never had a credit card and your credit history is non-existent, where do you start? Building
a credit history from the bottom up can be tricky business. It may take a while until you see results. But, with time, effort and responsible financial choices, you can build an excellent credit history, which will positively impact your financial health for years to come.

Here are 5 steps you can take to get the ball rolling on your credit file.

Read more >>

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