Members 13 - 17

LAY THE FOUNDATION FOR FINANCIAL INDEPENDENCE.

You're at the start of your financial journey. Maybe you've just landed your first real job and, for the first time, you have money that isn't from birthday gifts or allowances. So, what's next? The habits you build now can make a big difference in your future. It might feel overwhelming, but you don't have to figure it out alone. At Members First Credit Union of Florida, we've been there—and we're here to help.

Credit Tips to Help You Prepare for the Future 

Dreaming of your first car, college, or a space to call your own someday? Keep ahead of the curve by learning about credit and good credit habits.

Basic Credit Rules

Here are some basic credit rules that you should follow:

1. You must pay back what you owe.
2. Keep track of how much you spend.
3. Save your receipts to compare them to your monthly statement.
4. Never lend your credit card to anyone or give our your account information.
5. Owing more than you can repay can cause you to go into debt and damage your credit rating.
6. Pay your bills on time. Pay your fill in full if you can, otherwise you'll end up paying interest on the amount that you don't pay on time.

How to Build Credit

Why is Good Credit So Important

What to Know About Loans

Credit Precautions You Should Take

What You Should Know About Credit Reports

Having good credit is really important for your financial health. Below are some useful articles to help you learn more about credit reports, credit scores, and more:

• Breakdown of a Credit Score
• How You Can Improve Your Credit Score
• Boost Your Credit Score
• How You Can Get A Copy of Your Credit Report

How to Solve Credit Problems

*Members under the age of 21 must have a cosigner. Must be at least 18 to apply for a credit card if member can show proof of income. APR = Annual Percentage Rate. Rates and terms are based on individual credit worthiness. The method of computing finance charges (or interest) for purchases (including new purchase) is based on the Average Daily Balance. Rates are subject to change without notice. For our complete credit card disclosure, click here.

**With parental co-signing. Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, collateral age, and conditions. The APR will be disclosed prior to an advance being made on a loan.

RESOURCES

Financial Education Center

Have you ever wondered why building a budget or credit scores are so important to your financial success? Maybe you want to know what you should do after graduation? We have answers for the important financial stuff you may not learn in class but will definitely use in life. Check out our Financial Education Center for fun and helpful videos to get you money smart on these and many other fundamental financial topics.

Learn More

Youth Learning Center Get access to helpful financial learning tools and articles. LEARN MORE

Hit the Road Learn how to manage money with Hit the Road. Take a cross-country trip. On the way you'll need to keep you and your friends fed, fill your car with gas, and avoid mishaps. Play Now

Discounted Movie Tickets Going out to see a movie? Save some cash when you purchase discounted tickets at Members First. LEARN MORE

Members under the age of 18 must have a parent or guardian joint on Checking Account.

For further information on all Credit Union deposit accounts, please refer to our Account Disclosures, give us a call at (850) 434-2211, or stop by one of our branch locations.