Skip to main content
Routing #: 325272063
  • Locations
  • Rates
  • Contact
Company name logo Company name logo
  • Spend & Save

    Not all Alaskans are the same. That's why CU1 offers a variety of personal accounts tailored to your unique financial needs.

    See Overview

    Spending
    Choose the checking account that works best for your everyday spending.
    • Free Checking
    • Super Saver Checking
    • Premium Checking
    • Apply Online
    • See Rates
    Credit
    Credit cards designed with our members in mind.
    • Secured Card
    • Fixed Credit Card
    • Variable Credit Card
    • Balance Transfer
    • Apply Online
    • See Rates
    Saving

    Create a brighter future with savings accounts with possibilities.

    • Kids Savings
    • Regular Savings
    • Premium Savings
    • Apply Online
    • See Rates
    Investing
    Watch your money grow with competitive interest rates.
    • Certificates of Deposit
    • Retirement
  • Borrow

    Get financing for anything from a big purchase to unexpected expenses or debt consolidation.

    See Overview

    Auto
    Driving you toward a brighter future with an affordable vehicle loan.
    • Cars & Trucks
    • Refinance
    • Apply Online
    • See Rates
    Recreational

    Find great rates on the purchase or refinance of your next recreation loan.

    • ATVs, Personal Watercraft
 & Snowmachines
    • Campers, Motorhomes & RVs
    • Boats
    • Motorcycles
    • Apply Online
    • See Rates
    Personal

    Personal loans that empower your budget and improve your credit rating.

    • Unsecured Loans
    • Secured Loans
    • Apply Online
    • See Rates
    Real Estate
    You belong in the home of your dreams. We can make it happen.
    • First Time Home Buyers
    • Refinancing
    • Raw & Unimproved Land
    • Equity Advantage HELOCs
    • Home Improvement
    • Non-Owner Occupied
    • 1st and 2nd Deed of Trust Home
    • Apply Online
    • See Rates
  • Business

    Let’s get down to business and find an account that works for you.

    See Overview

    • Business Basics
    • Business Super Saver
    • Business Premium
    • Open an Account
  • Services

    Managing your money is easy with the right tools and support. 

    See Overview

    Digital Banking

    CU1 offers a variety of ways to access your accounts, withdraw money and talk with us.

    • Online Banking
    • Mobile Banking
    • Bill Pay
    • Digital Wallet
    • Automated Payments
    • E-Documents
    • Alerts & Notifications
    • Direct Deposit
    • Credit Score
    • Login to Online Banking
    Financial Assistance
    CU1 is a member owned, not-for-profit credit union and we are committed to your financial well-being.
    • Skip-A-Pay
    • Overdraft Protection
    Forms & Disclosures

    Find the forms and disclosures you need to manage your accounts.

    • Account Disclosures
    • Service Charges
    • Privacy Policy
  • Discover

    Find the answers you need to achieve your next financial goal. 

    See Overview

    Who We Are
    Local and loyal to Alaska since 1952.
    • About
    • Contact
    • Community
    • Careers
    • Locations
    • Mobile Branch
    Financial Education

    Scholarships for higher education.

    • Apply for a Scholarship
    Resource Center

    Explore news, articles and calculators.

    • News
    • Blog
    • Knowledge Base
    • Fraud Resources
    • Calculators
  • Open an Account
  • Apply for a Loan
  • Apply for a Job
  • Find a Location
  • Find an Answer
  • Online Access
    Forgot username?
    Forgot password?
    Register
    • Open an Account
    • Apply for a Loan
    • Apply for a Job
    • Find a Location
    • Find an Answer
  • Locations
  • Login
    Online Access
    Forgot username?
    Forgot password?
    Register
  • Spend & Save

    Not all Alaskans are the same. That's why CU1 offers a variety of personal accounts tailored to your unique financial needs.

    See Overview

    • Spending

      Choose the checking account that works best for your everyday spending.
      • Free Checking
      • Super Saver Checking
      • Premium Checking
    • Credit

      Credit cards designed with our members in mind.
      • Secured Card
      • Fixed Credit Card
      • Variable Credit Card
      • Balance Transfer
    • Saving

      Create a brighter future with savings accounts with possibilities.

      • Kids Savings
      • Regular Savings
      • Premium Savings
    • Investing

      Watch your money grow with competitive interest rates.
      • Certificates of Deposit
      • Retirement
  • Borrow

    Get financing for anything from a big purchase to unexpected expenses or debt consolidation.

    See Overview

    • Auto

      Driving you toward a brighter future with an affordable vehicle loan.
      • Cars & Trucks
      • Refinance
    • Recreational

      Find great rates on the purchase or refinance of your next recreation loan.

      • ATVs, Personal Watercraft
 & Snowmachines
      • Campers, Motorhomes & RVs
      • Boats
      • Motorcycles
    • Personal

      Personal loans that empower your budget and improve your credit rating.

      • Unsecured Loans
      • Secured Loans
    • Real Estate

      You belong in the home of your dreams. We can make it happen.
      • First Time Home Buyers
      • Refinancing
      • Raw & Unimproved Land
      • Equity Advantage HELOCs
      • Home Improvement
      • Non-Owner Occupied
      • 1st and 2nd Deed of Trust Home
  • Business

    Let’s get down to business and find an account that works for you.

    See Overview

    • Business Basics
    • Business Super Saver
    • Business Premium
    • Open an Account
  • Services

    Managing your money is easy with the right tools and support. 

    See Overview

    • Digital Banking

      CU1 offers a variety of ways to access your accounts, withdraw money and talk with us.

      • Online Banking
      • Mobile Banking
      • Bill Pay
      • Digital Wallet
      • Automated Payments
      • E-Documents
      • Alerts & Notifications
      • Direct Deposit
      • Credit Score
    • Financial Assistance

      CU1 is a member owned, not-for-profit credit union and we are committed to your financial well-being.
      • Skip-A-Pay
      • Overdraft Protection
    • Forms & Disclosures

      Find the forms and disclosures you need to manage your accounts.

      • Account Disclosures
      • Service Charges
      • Privacy Policy
  • Discover

    Find the answers you need to achieve your next financial goal. 

    See Overview

    • Who We Are

      Local and loyal to Alaska since 1952.
      • About
      • Contact
      • Community
      • Careers
      • Locations
      • Mobile Branch
    • Financial Education

      Scholarships for higher education.

      • Apply for a Scholarship
    • Resource Center

      Explore news, articles and calculators.

      • News
      • Blog
      • Knowledge Base
      • Fraud Resources
      • Calculators
Routing #: 325272063
  • Spend & Save
    • Spending
      • Free Checking
      • Super Saver Checking
      • Premium Checking
      • Bottom Links [HIDDEN MENU ITEM]
    • Credit
      • Secured Card
      • Fixed Credit Card
      • Variable Credit Card
      • Balance Transfer
      • Bottom Links [HIDDEN MENU ITEM]
    • Saving
      • Kids Savings
      • Regular Savings
      • Premium Savings
      • Bottom Links [HIDDEN MENU ITEM]
    • Investing
      • Certificates of Deposit
      • Retirement
  • Borrow
    • Auto
      • Cars & Trucks
      • Refinance
      • Bottom Links [HIDDEN MENU ITEM]
    • Recreational
      • ATVs, Personal Watercraft
 & Snowmachines
      • Campers, Motorhomes & RVs
      • Boats
      • Motorcycles
      • Bottom Links [HIDDEN MENU ITEM]
    • Personal
      • Unsecured Loans
      • Secured Loans
      • Bottom Links [HIDDEN MENU ITEM]
    • Real Estate
      • First Time Home Buyers
      • Refinancing
      • Raw & Unimproved Land
      • Equity Advantage HELOCs
      • Home Improvement
      • Non-Owner Occupied
      • 1st and 2nd Deed of Trust Home
      • Bottom Links [HIDDEN MENU ITEM]
  • Business
    • Business Basics
    • Business Super Saver
    • Business Premium
    • Open an Account
  • Services
    • Digital Banking
      • Online Banking
      • Mobile Banking
      • Bill Pay
      • Digital Wallet
      • Automated Payments
      • E-Documents
      • Alerts & Notifications
      • Direct Deposit
      • Credit Score
      • Bottom Links [HIDDEN MENU ITEM]
    • Financial Assistance
      • Skip-A-Pay
      • Overdraft Protection
    • Forms & Disclosures
      • Account Disclosures
      • Service Charges
      • Privacy Policy
  • Discover
    • Who We Are
      • About
      • Contact
      • Community
      • Careers
      • Locations
      • Mobile Branch
    • Financial Education
      • Apply for a Scholarship
    • Resource Center
      • News
      • Blog
      • Knowledge Base
      • Fraud Resources
      • Calculators
  • Spend & Save
    • Spending
      • Free Checking
      • Super Saver Checking
      • Premium Checking
      • Bottom Links [HIDDEN MENU ITEM]
    • Credit
      • Secured Card
      • Fixed Credit Card
      • Variable Credit Card
      • Balance Transfer
      • Bottom Links [HIDDEN MENU ITEM]
    • Saving
      • Kids Savings
      • Regular Savings
      • Premium Savings
      • Bottom Links [HIDDEN MENU ITEM]
    • Investing
      • Certificates of Deposit
      • Retirement
  • Borrow
    • Auto
      • Cars & Trucks
      • Refinance
      • Bottom Links [HIDDEN MENU ITEM]
    • Recreational
      • ATVs, Personal Watercraft
 & Snowmachines
      • Campers, Motorhomes & RVs
      • Boats
      • Motorcycles
      • Bottom Links [HIDDEN MENU ITEM]
    • Personal
      • Unsecured Loans
      • Secured Loans
      • Bottom Links [HIDDEN MENU ITEM]
    • Real Estate
      • First Time Home Buyers
      • Refinancing
      • Raw & Unimproved Land
      • Equity Advantage HELOCs
      • Home Improvement
      • Non-Owner Occupied
      • 1st and 2nd Deed of Trust Home
      • Bottom Links [HIDDEN MENU ITEM]
  • Business
    • Business Basics
    • Business Super Saver
    • Business Premium
    • Open an Account
  • Services
    • Digital Banking
      • Online Banking
      • Mobile Banking
      • Bill Pay
      • Digital Wallet
      • Automated Payments
      • E-Documents
      • Alerts & Notifications
      • Direct Deposit
      • Credit Score
      • Bottom Links [HIDDEN MENU ITEM]
    • Financial Assistance
      • Skip-A-Pay
      • Overdraft Protection
    • Forms & Disclosures
      • Account Disclosures
      • Service Charges
      • Privacy Policy
  • Discover
    • Who We Are
      • About
      • Contact
      • Community
      • Careers
      • Locations
      • Mobile Branch
    • Financial Education
      • Apply for a Scholarship
    • Resource Center
      • News
      • Blog
      • Knowledge Base
      • Fraud Resources
      • Calculators
Financial Fitness
3 min read

Tips to Face Financial Changes

  • Facebook Share
  • Twitter Tweet
  • LinkedIn Share
  • Pinterest Pin
  • Email Email
Tips to Face Financial Changes

Alaskans are no strangers to change. Our state has changed immensely in the past 59+ years, from limited dirt roads and camps to a bustling network of thriving communities. However, despite the amazing growth and development that many of us have witnessed, we’re also not immune to slumps in the economy, unemployment, and other “unknowns” that can affect one’s personal ability to make ends meet. Fortunately, when unexpected circumstances strike, we have tips on hand to help you face financial change! 

Read, reflect, and share with someone in need.

Map your money

If you don’t already have a written list/chart/graph/napkin note of your monthly bills, make one today. This will help you visualize how your money is spent and areas that could be trimmed. For instance, if you know you currently spend X amount on the heat for your home and Y amount on a deluxe cable package each month, visualizing these expenses can help you come to terms with what needs to go during times when money is tight.

Polish your resume

If job uncertainty has you up at night, make sure your resume is polished and ready to deploy as needed. This means adding in the experience from your current (or most recent) employment, ensuring that your training and education are up-to-date, and knowing what online resources can help maximize your professional path.

Assess your emergency fund

Although we’ve all heard that your “emergency fund” should hold 3-6+ months of financial padding, this is easier said than done. If your emergency fund is not quite there yet (or non-existent), don’t despair! There are affordable financing options for people in need; however, “payday loans” are not one of them. Stay far away from predatory lending that can cost you an arm and leg, and instead talk to a trusted financial institution about funding options that keep your personal well-being at heart.

Don't sacrifice your credit

One common mistake during tough financial times is to avoid your existing debt. Don’t go this route! Your credit score will suffer if you don’t proactively reach out to creditors, which will cost you even more money in the long run. Instead, if you’re not able to make certain payments due to hardship, contact your financial institution immediately. They can often help by extending your payment due date, allowing you to take a month off from payment, consolidating or refinancing your debt to a more affordable payment, and more. The sooner your contact your creditor, the more options they’ll have available to help.

Despite periodic changes in local and national economies, you have the power to protect your personal circumstances. Use the advice above to help you overcome obstacles, and don’t be afraid to ask for help!

 

Subscribe via Email

Related Posts

A person inserting their debit card into an ATM
eServices
5 min read
CU1 eServices for Beginners Ready to enjoy "anytime" access to your CU1 account and save yourself an in-branch trip? When staying home is wise or necessary, eServices let you …
Read more
A woman sitting on the bed of her truck
Credit
3 min read
How to Buy Your First Car What an exciting time! You’re in the market for your first car, which means newfound freedom to go places.  You’ve likely set a budget and have some …
Read more
background image

View CU1 News and Upcoming Events

Learn More
Icon of a laptop computer

Digital Banking

Manage your money with ease, from wherever life takes you.

Explore our tools
Icon of three people.

Member Services

Take advantage of member resources and see what it means to be a CU1 member.

Visit our Resource Center
Icon of a person with a speech bubble that says hello.

Have Questions?

We’re here to help guide you toward your financial goals. Discover FAQs, ask questions and learn more.

Visit the Knowledge Base
Company name logo

1941 Abbott Road Anchorage, AK 99507

Phone

(907) 339-9485

Toll-free

(800) 478-2222

Routing #

325272063

Download our App

  • Spend & Save
    • Credit
    • Spending
    • Saving
    • Investing
  • Business
    • Business Basics
    • Business Super Saver
    • Business Premium
    • Open an Account
  • Discover
    • Who We Are
    • Knowledge Base
    • Resource Center
  • Borrow
    • Auto
    • Recreational
    • Personal & Secured
    • Real Estate
  • Services
    • Digital Banking
    • Credit Score
    • Financial Assistance
    • Overdraft Protection
    • Identity Theft Resources
    • Forms & Disclosures
  • More
    • Transparency in Coverage
    • Find a Location
    • Rates
    • Open an Account
    • Apply for a Loan
NCUA
Equal Housing Lender
©2023 Credit Union 1. All rights reserved.
  • Privacy Policy
  • Service Charges
  • Facebook
  • Instagram
  • Twitter
  • YouTube

You are leaving the Credit Union 1 website.

Links from that Credit Union 1 web site to other web sites are provided solely as a convenience to visitors.

If you use these links, you will leave the Credit Union 1 web site. The Credit Union does not have any responsibility or control over any of these external web sites, their content or their privacy policies. We do not endorse or make any representations about third-party external web sites, including any information, products, materials or results that may be obtained from using them. If you decide to access any of the linked third-party web sites, you do so entirely at your own risk. You are encouraged to review the privacy notice for each linked web site.

OK Cancel