Group sits together outside of a campsite.

Financial Empowerment

It's your money. It's your life. We'll help you make the most of both with these financial enrichment tools.

It's all in your hands

We're here to help, and we want to see you succeed, however you define it. That's why we provide various tools and resources that empower you.

Money Personality Assessment

Did you know your personality plays a big role in how you spend, save, and use your money? Find out what kind of spender and saver you are, and how emotions can sway your decisions. You can take this quick behavioral assessment and receive a free analysis of your money personality.

Common Cents

Looking for a convenient, one-stop location where you can find all sorts of financial education tools? Check out Common Cents. You can explore individual topics and access a variety of learning courses. It's a wealth of information that includes videos, articles, infographics, community forums, and more.


Commonwealth Credit Union is a full-service, not-for-profit financial institution with branches throughout Kentucky, serving as the official credit union of the University of Louisville.

5 Tips for Becoming FinancialLY Empowered

Know your income and expenses.
You don't need anything fancy. Just determine exactly how much money you have coming in and how much is going out. That means everything - bills and the fun stuff.
Revisit needs and wants.
It may sound simple, but start thinking about your expenses as needs and wants. Could cutting back on wants help you live more comfortably?
Expenses need to be less than your income.
If your expenses are more than your income -OR- they don't leave much wiggle room, it's time to make some adjustments. Either cut expenses or find a way to increase your income. #sidehustle
Make a plan.
Yes, we're talking about a budget. It doesn't have to be complicated. Find something that works for your situation. The important thing is being intentional in monitoring what's coming in and what's going out. 
Set goals.
Once you feel confident in your plan, start setting some goals. Big or small- it feels good to set and accomplish your goals. It's a momentum thing.
Opening Screen of The Components of a Budget video.

What's In a Budget?

You hear it a lot – make a budget, be sure you stick to your budget, be careful not to go over budget. But what all does that entail? This helpful video breaks it down for you so you can take control of your money.