Required Enrich Financial Wellness Courses
Learn more about the Enrich courses that members are required to complete to qualify for special Aspire and Opportunity Checking accounts.
How to Qualify for your Benefits:
1Sign up for an Enrich account
2Enroll for one of the required course detailed below
3Complete the course and score 70% or above on all associated quizzes
4Print out your course completion certificate
5Book an appointment at your nearest branch to present your certificate
Aspire Checking Courses
$500 partially secured Platinum credit card:
Using credit cards responsibly – Credit card ownership comes with great responsibility—and losing sight of that responsibility can have repercussions. In this course, we'll start with the costs and benefits of consumer credit to help you assess whether you are ready for a credit card. To prepare you for ownership, we'll explain how credit cards work and break down terminology you should be familiar with when evaluating credit card agreements. You'll also learn strategies for managing your credit cards on a daily and monthly basis coupled with an interactive exercise to help you estimate how long it would take you to pay off any current credit card debt. Finally, we'll cover the ugly side of poor credit card management by discussing the risks involved, the effect your credit use has on your credit score, and how to recognize the warning signs of excessive consumer debt.
0.15% auto loan rate discount:
Creating a budget (and sticking to it) – The course begins with the basics: you will first learn why budgeting is a crucial component of any financial wellness effort, and what should be included when building a budget. Next, you will be guided through exercises to help you assess your own financial situation and to create a customized budget based on your unique goals. Lastly, the course looks ahead for opportunities to utilize your budget in everyday finance, to build solid spending and saving habits, and to make positive changes that will continually improve your financial health.
Opportunity Checking Courses
Graduate from an Opportunity Checking to a Choice Checking:
Understanding credit reports and scores – In this course, you will learn the basics of credit management, both holistically and practically. First, the course looks at credit as a whole, revealing the many types of products available, and how credit influences almost every other area of personal finance. Next, the course breaks down the various factors that influence your score, and how these may be used by lenders to assess your creditworthiness. Finally, the course offers guidance and tips on how to read and analyze your credit report, so you can avoid credit pitfalls, and take a proactive role in monitoring and managing your credit score.