Financial Wellness at Pheple 

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THRIVE Financial Wellness Pathway

At Pheple Federal Credit Union, we believe that everyone deserves a strong financial foundation. That’s why we've developed the THRIVE Financial Wellness Pathway—a personalized journey designed to empower you with the tools, knowledge, and resources you need to achieve your financial goals. We know that every situation is unique, so you can travel the path in any direction, starting at any step.

    • Free, confidential financial coaching: Get expert advice through in-person sessions with a Certified Credit Union Financial Counselor or by phone with GreenPath Financial Wellness.

    • THRIVE Checking: No minimum balance, no overdraft risk, and reduced NSF fees.

    • THRIVE Savings: Higher interest rates on lower balances, plus tools like automatic savings plans and Debit Card Round Up.

    • GreenPath Debt Management: A structured plan to help you manage and eliminate debt effectively.

    • THRIVE Visa Credit Card: An unsecured card to help you start building credit without the need for a security deposit.

    • THRIVE Credit Builder Loan: Establish or restore credit while building savings. No upfront cash required.

    • First-time Car and Home Buyer programs: Get the support you need to achieve your dreams of homeownership or purchasing your first vehicle.

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Ready to take the first step?

 
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Building a Healthier Financial Future Together

As a valued member of Pheple FCU, your financial health is our priority, so we’ve partnered with the trusted national nonprofit GreenPath Financial Wellness to offer you free financial counseling, guidance, and educational resources. GreenPath is here to support you in making decisions that make your life better, happier, and more satisfying. 

GreenPath has more than 60 years of experience helping people build financial health and resiliency. Their NFCC and HUD-certified counselors explain your options to manage credit card debt, learn about personal finance, and come up with a plan to make your financial goals happen. 

As a member of Pheple FCU you receive:

  • Financial Counseling – You have access to free, one-on-one financial counseling delivered by caring, certified experts. Understand your situation, learn about options, and make a plan to reach your goals. 

  • Debt Management Services – If you have high-interest credit card debt, a GreenPath Debt Management Plan may be able to help lower your interest rates so you can pay off debt faster while saving money. 

  • Housing Services – If you have housing goals or concerns, GreenPath’s HUD-certified housing counselors can help. Take advantage of foreclosure prevention services, homebuyer counseling, rental counseling, and reverse mortgage counseling.

  • Credit Report Review – Learn how to read your personal credit report, how a credit score is calculated, and how to build or improve your score.

  • Student Loan Counseling – GreenPath can point you to resources to see if loan forgiveness is an option, and if you have repayment options that can postpone or lower your payments. Learn the pros and cons of each strategy to make an informed decision on which is best for you.

  • Financial Wellness Education – Take advantage of free, monthly educational webinars, articles and online learning designed to strengthen your financial health. 

 
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Coach Lea: a Virtual Financial Coach

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Whether you’re looking to improve your credit score, move forward after a credit decline, pay down debt, or build healthy financial habits, our Virtual Financial Coach, Lea, connects with you in a few short minutes to understand what financial advice you would like and develop an action plan.

Improve your credit and achieve your goals with free, anytime financial coaching. Accessible via both mobile devices and desktop, simply answer a handful of questions related to your goals, and Lea will provide you with step-by-step guidance and a personalized action plan for getting there.

If you want a deeper dive into your financial situation, she can also share how to talk for free to the helpful humans at GreenPath, a trusted nonprofit guiding people for 61 years to lead healthy financial lives.

Virtual Coaching is free, 100% secure, and is available 24 hours a day, 7 days a week.

 
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LearningLab+

Financial Wellness Starts with Financial Education.

From learning how to budget to paying down debt, being equipped with the right information is key to taking control of day-to-day financial choices and achieving your financial goals.Through our partnership with GreenPath Financial Wellness, you have unlimited access to the GreenPath LearningLab+ -a brand new education portal featuring a robust library of courses, guides, and other resources for improving financial wellness.

Designed by a team of education specialists and financial wellness experts, the portal is easy-to-use, convenient, and teaches key financial concepts in a fun and engaging way.

Learn how to:

  • Establish a Budget

  • Open a Checking Account

  • Prioritize Expenses

  • Improve Your Credit

  • Establish Healthy Financial Habits

  • Understand Forbearance & Mortgage Options

 
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GreenPath Counselors are Ready to Help.

Call GreenPath today at 877-337-3399 to connect with a kind, caring, NFCC-certified counselor. Make informed financial decisions and find your path to a bright financial future. It’s free, no-pressure, and 100% confidential.

GreenPath Hours of Operation

Monday-Thursday: 8 am - 10 pm Eastern

Friday: 8 am - 8 pm Eastern

Saturday: 9 am – 1 pm