We are Alltru Credit Union

Fifty-two years ago, a small group of men and women in North County St. Louis, began pooling their funds together.  They trusted one another.  They started this credit union with the belief that everything is possible when people work together with integrity and trust. They built a financial institution as a not for profit cooperative.  … Continue reading We are Alltru Credit Union

Pros and Cons to Paying Your Bills with a Credit Card

Credit cards offer incredible convenience. With just a quick swipe or a linked account, you can instantly buy something. It seems like a no-brainer to use that convenience for taking the hassle out of paying bills or buying something. But, is it a smart idea to pay your monthly bills with your credit card? Choosing … Continue reading Pros and Cons to Paying Your Bills with a Credit Card

What COVID has Taught us About our Finances

All the things happening in 2020 have often made it difficult to look on the bright side. Even our humor has often been dark. Memes are floating around about trying to guess what disaster will hit us next. Whether it’s “murder hornets,” dual hurricanes, or any number of the other history-making things that have happened … Continue reading What COVID has Taught us About our Finances

What is the Right Age to Start Building Credit?

Establishing good credit is central to reaching important financial milestones, such as buying a home or a car. Credit can also affect employment, rent and insurance rates. A good credit score is not only the difference between being approved or declined for a loan, but it also has a large impact on the rates you … Continue reading What is the Right Age to Start Building Credit?

8 Habits for Living a Debt Free Life

Being debt-free is a great financial goal that’s within reach for all of us. But reaching that goal may not be easy. You’ll have to adapt and change your behaviors to support your goal. Here are some tips to help you get started. · Wait to Buy: First and foremost, it’s important to control impulse … Continue reading 8 Habits for Living a Debt Free Life

30 Day Savings Challenge

If you find yourself facing an expensive car repair, a move, or any other unexpected expense (um, pandemic anyone?), you’ll need to be able to save money fast to cover those expenses. But after the bills are paid, often it doesn’t feel like there’s much left to enjoy. That’s why we compiled a few 30-day … Continue reading 30 Day Savings Challenge

Save More Money with Multiple Accounts

Savings is the backbone of healthy financial well-being, but what’s the best way to save? Opening a savings account and adding funds or setting up regular automatic transfers on paydays, is easy, but is that enough? To make your savings “stick,” you might consider opening multiple accounts to break your money up into multiple goal-driven, … Continue reading Save More Money with Multiple Accounts

Good Credit is Your Safety Net

A healthy savings account is your best defense against life’s curve balls. But sometimes setting aside some money every paycheck isn’t enough. Especially when you’re just starting out in life. In addition to a savings account, a credit score safety net can provide the security you need in a financial emergency. A good credit score … Continue reading Good Credit is Your Safety Net

What’s the Best Way to Pay Off Debt? Snowball vs Avalanche Method

Debt is the ultimate misery. It can destroy a budget, make long-term financial planning impossible, and make you feel guilty for every purchase you make. No one wants to live with that debt burden. But how do you efficiently get rid of it? Let’s look at two common approaches to paying down debt. The Debt … Continue reading What’s the Best Way to Pay Off Debt? Snowball vs Avalanche Method

Staycation Ideas for Your Family

Let’s face it, this year has looked and felt unlike any other we’ve ever experienced, and unfortunately, there’s a strong chance that it will continue this way for a while. Events postponed. Sports canceled. What’s left to do? We’ve put a list together of things you can do on a budget that are sure to … Continue reading Staycation Ideas for Your Family