Credit Problems

Check your credit once per year for irregularities that may be affecting your credit
Talk with our Asset Protection department about any lending issues that you foresee. They can help you manage your payments before it is a problem.
Try financial counseling through Lutheran Social Service of MN (LSS). You have access to up to six free sessions each year!
Utilize FinanceWorks (available within Internet Branch) to help set up budgets based on your current spending habits
Set up recurring payments with Online Bill Payment to help avoid late fees and keep payments consistent with your payment plan.
Transfer credit card balances to a USFCU Visa Credit Card for a lower interest rate and fewer bills to keep track of

All loans are subject to credit approval.