Financial Planning


Meet with our certified Financial Counselor/Planner

How can a Financial Counselor help me?

What do I need to do for an appointment?

Do you have a financial question? Submit your question here:
If your question is chosen for the question of the month, you could receive a $20 VISA gift card!

Ask Sally

Q. I want to start building my credit history, but I have never had a loan before. What is the best way to get started?


A. One suggestion would be to get a secured credit card. A secured credit card is obtained when you pledge a set amount of money to be held in your savings account. This money will cover the balance on the credit card in the case you do not make your payments. This is similar to a security deposit you make on an apartment. Your payment activity will be reported to the credit bureaus, which will allow you to build your credit, without getting into a lot of debt.


As a reminder, Members First offers FREE financial counseling, and can assist you in this. Call today to make an appointment. 435-723-5231