Set Yourself Up for Financial Success in 2026

A new year is a natural time to look at your finances and decide what you want the months ahead to support. You do not need to change everything at once. Small, intentional steps can help create stability and flexibility over time.

Here are three areas to focus on as you plan for 2026.

Build Savings for Planned Expenses and the Unexpected

Saving works best when it is tied to a goal. Whether you are planning for holidays, a vacation, or building a cushion for unexpected expenses, setting money aside consistently can help reduce financial stress.

Members can open Holiday Savings or Vacation Savings accounts directly in Online Banking or the Mobile App. These accounts make it easier to separate funds for specific goals and stay organized throughout the year. Automating deposits through recurring transfers helps savings grow without requiring extra effort.

For funds you do not need immediate access to, Certificates of Deposit (CDs) offer a way to earn predictable returns by locking in a fixed rate over a set term. CDs can be a helpful option for longer term goals or savings you want to protect from rate changes.

Open a Savings or CD

Use Online Banking Tools to Stay on Track

Understanding where your money goes is an important part of staying in control of your finances. Online and Mobile Banking include tools that help you make informed decisions and adjust as life changes.

You have access to free tools to create and track savings goals, review spending analysis by category, build a personalized budget, track net worth over time, and forecast upcoming expenses.

These tools provide visibility into your financial habits and help you plan with confidence, without adding complexity.

Enable Financial Wellness Tools

Simplify Debt and Create a Clearer Path Forward

High interest credit card balances can make it harder to make progress, especially when payments are spread across multiple accounts.

Consolidating high interest credit card balances into a single fixed rate loan can help simplify payments and create a clearer payoff timeline. A consistent monthly payment can make budgeting easier and reduce uncertainty from changing interest rates.

For members considering consolidation, a limited time personal loan option is available that brings multiple balances together under one manageable payment.

Learn more

Start Where You Are

Financial success looks different for everyone. Whether you begin by building savings, using budgeting tools, or simplifying debt, each step helps strengthen your financial foundation for the year ahead.