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Annuity - Learn about annuity investments.

Balance checkbook - How to balance a checkbook and download our free checkbook register software.

Bank checking account - How to read a bank checking account statement.

Business loan - Get funding to start a small business or to finance a corporation.

How much money can I borrow - Input the amount you can afford to repay, whether bi-weekly or monthly installments, and the calculator will review the maximum loan amount you can afford to payback.

Card interest rates - Get current credit card interest rates from major issuers.

Card & Loan calculators - Calculate credit card interest, mortgage payments, home refinancing, and to manage and track expenses budgets, plus create a household budget.

Checkbook Register - Free CheckBook Register Software to Manage Expenses

Christmas credit card - Apply for a Christmas credit card to make gift purchases.

Christmas credit card debt - Options on how to get help with too much Christmas credit card debt.

Christmas credit card shopping - Tips for safe shopping with your credit card.

Consolidate student loan - Apply to refinance student loan debt for a lower interest rate and payments.

Counterfeit money - Spot counterfeit money and report fake money to the govt.

Create a will - How to create a will yourself and prepare a living will.

Credit card statement - How to read a credit card billing statement.

Credit and divorce - How divorce affects your credit score and bill payments.

Credit and loan prequalification - Prequalify for credit cards and loans based upon your credit score.

Espanol credito - Obtenga el crédito y los préstamos financieros. Algunos abastecedores del crédito no tienen traducción española. Tarjeta de crédito.

File bankruptcy - How to file bankruptcy, chapter 7, 11, 13.

Financial calculators

Free bank checking account - Apply for a no fee, online bank checking account.

Free bankruptcy forms - Free online chapter 7, chapter 11 and chapter 13 bankruptcy forms.

Free calculator downloads - Free financial calculators and software for budgets, interest, payments, and more.

Free checking account - Free internet checking accounts.

Free credit check - Rate your credit based upon your personal history.

Free credit offers - Financial newsletter membership for free credit offers by email.

Free IRS tax calculator - Quickly and easily calculate your estimated taxes and withholding.

Free money and gov grants - Instant access (no registration and no credit card) to government grant programs and applications.

Free online tax return filing - Qualify for free tax return filing.

Government debt consolidation loans - Truth about government loans to pay bills.

Government grant - Instant access to Government grant applications with no registration required.

Government assistance - Apply for government assistance programs.

Government grants for disabled - Apply for disability grants.

Government grant federal unclaimed money - Locate and claim unclaimed money.

Government grant foundations - Check to see if you qualify for a grant.

Government nontraditional grants - Review other types of grants.

Government pensions - Information about government retirement plans.

Government private grant foundations - Search for a grant from other foundations.

Government unclaimed funds - See if you are entitled to free money.

Government unclaimed money - See if someone owes you a refund.

Government veteran grant - Veteran grant programs.

Government women education grant - Educational grants for women.

Insurance - Get online quotes for life, home and auto insurance.

Interest Rates - Get current interest rates for loans and credit cards.

No collateral business loan - Quick cash for small businesses.

Personal budget - Download our personal budget software.

Personal budget software - How to use our personal budget software.

Personal finance - Keep track of personal finances with our services and resources.

Personal finance newsletter - Free personal finance management tips and special credit offers.

Plan retirement - Prepare for retirement with our tips.

Question and advice - Free online help, just submit your question and get an answer.

Reminders to pay bills - Free reminders so you pay bills on time.

Track expenses - Free software to track where you spend your money most.



Auto Loan: Good or bad credit auto loan quote. Apply for a new or used auto loan, or for car refinancing.

Credit Card: Search for a gold rewards or a bad credit card. To rebuild credit, get an instant approval credit card. Browse unsecured platinum and guaranteed credit card offers.

Credit Report: Free credit report help to fix credit report errors and improve credit score ratings.

Debt Counseling: Personal budget out of control? Nonprofit credit counseling, unsecured debt consolidation or free debt settlement.

Free Credit Offers: Get no obligation credit offers and receive tips and alerts to help manage your personal finances.

Home Loan: Stop paying rent and live the American dream.

Mortgage Refinancing: Fast 2nd mortgage loan quote for remodeling, equity cash out or a debt consolidation loan.

Payday Loan: Get a good or bad credit unsecured loan with no credit check and no collateral.

Personal Loan: Short or long term personal loan.

Personal Finance: How to file bankruptcy and get free bankruptcy forms. Create a household personal budget and balance a checkbook. Get our free personal budget software.

Financial Help: Get the latest financial news. Search Credit Federal for credit card, debt help, auto loan, home loan, mortgage refinancing, payday and personal loan applications and information.

Interest rates: view national averages of credit card, mortgage, refinancing and auto loan interest rates.


Checking & Savings Account Tips: Checking and savings accounts vary among banks and that is why benefits must be compared to be able to get the perks and plans that will fit your financial needs. Nearly all checking accounts give a free check card to use, electronic statements, free checks, the use of ATM machines, and 24 hour banking by phone. Banks are constantly trying to find ways to beat their competition by offering many free services. Banks like to get new customers, especially good ones.


Checking accounts can also offer added benefits when the account is upgraded. Some examples of free services might include overdraft protection, bill pay, free money orders and cashiers checks, notary services, free safe deposit box, free ATM use, overdraft protection, accidental death insurance, and even preferred loan rates. Since there are many banks with different fees and services available, it is best to read all the terms and conditions that go along with their fees.


Some banks try to lure in new customers by offering cash. For example, they may require a consumer to open an interest bearing account, and if a specific balance is maintained for a specific period of time, the account holder may be able to get a $50 or $100 cash reward. There would probably be a deadline for opening the account. Checking accounts come with different features, free benefits, and services that may or may not require fees. Be sure to check out all features you are interested in and would use the most. Compare that information with other banks.


Free CheckBook Register Software to Manage Expenses. You can categorize and itemize your bills to see where you spend money most. Our software is valued at over $6,000 but it's yours, 100% FREE!


 Free CheckBook Register Software to Manage Expenses

Free CheckBook Register Software

100% Safe & Virus Free - View Reports    View Manual


2nd Chance Bank Account


To Qualify:

*Your employer must offer direct deposit.

*You cannot have any existing checking or savings account with any bank.




Credit Federal's Free Personal Finance Center:

Manage your checkbook register and more easily balance your account using our free software. It's simple to use, operates on Windows computers and requires 16MB of disk space. Download to your home or mobile computer.

Download Instructions: Click on the download link, select 'Open'. Follow download instructions (accept cookies, agree to Terms, etc). The CreditFederal software will download first, then the Sun J2SE software. Both programs are necessary for the Personal Finance Center to function. After both downloads are complete, an Icon will appear on your main Windows display. To launch, double-click the Icon on your main Windows screen.

Click for instructions on how to use the free software.

CheckBook Register
- Easily manage your checkbook and balance your checking account. Our checkbook calculator automatically adds all of your deposits and subtracts all debits, and gives you details about where you spend your money most. Quickly sort and view expenses by categories such as medical, credit card bills, personal expenses, etc. You can easily edit, add and delete checkbook expense entries.


Our software is more powerful than regular, paper checkbook registers. In addition to making it easier to manage your checking account expenses, the software also offers you other free functions.

Credit Tips
- our software will help you analyze your expenses and will offer you tips on how you may be able to improve your credit score.

No AdWare
- our software does not contain any AdWare, and there are absolutely no popups. If you desire to apply for a credit card or loan, our software will offer you links to the Credit Federal web site.

Easy Install and Un-Install
- The software is easy to download, and contains a quick uninstall function should you desire to remove it from your computer.

No credit card required
- Our checkbook register software is absolutely 100% free and without any obligations. Our software does not require you to enter sensitive personal information such as back account or credit card information.


Get your free checkbook register software.  It's like an electronic checkbook register template, because instead of using a pencil and eraser, you use your computer number-pad and delete key. Our software will automatically calculate your total checkbook entries; including deposits (credits) and debits, plus it will total categories of expenses. A regular, paper checkbook ledger won't automatically do that for you! Credit Federal's free personal budget software will itemize how much you spend in each category for any date range. For example, you can view how much you spent on rent for the past year, or how much you've spent on utilities for the past six months. You can view all of your income (deposits) for the past year, or for just the last several weeks. Our software is 100% free and operates directly from your personal computer (Windows Required). Download our free software.



If you are a freeware site, include our checkbook software via our PAD file.


Read our latest information about personal finance.



People with poor credit may keep damaging scores just by getting deeper into debt or keeping debts. Those who want to find an answer to financial problems often seek a consolidation service. It is best to search one that has experience helping those with credit challenges. Many of these services, do require clients to have a certain credit score to qualify, yet there are some requirements to be eligible.


Some consolidation companies require borrowers to have a minimum level of unsecured debt, no existing enrollments in debt consolidation programs, and be willing to cancel credit cards included in the consolidation. People with excessively high levels of debt may not be able to qualify.


Having debts with high interest typically leads to credit problems, which can prevent some consumers from being able to consolidate. People with excellent credit, usually are able to get approved for a home equity, debt consolidation loan. When there are blemishes on credit records from the burdens of overwhelming debts, some debt relief programs may not be an option. 


However, there are many debt consolidation services who can assist those with bad credit and credit challenges. Lenders define "bad credit" in various ways, but a score of 620 or below is usually classified as poor. For scores like this, it can be next to impossible to get loans to pay bills from traditional banks and credit unions. Applicants are considered a sub-prime borrower, and few lenders are willing to assume that risk.


Consumers with poor credit do have some options to put a stop to constantly damaging credit scores. There are choices like credit counseling, consolidation loans, debt settlement, and the last solution could be bankruptcy. Finding the right service for individual debt needs can take some thought and research, which can be started by using online sources. Using online resources provides privacy and the ability to compare services. It can be one of the quickest ways to get a quote or check out a company to see if they are reputable.


Having bad credit usually does not disqualify people from receiving debt consolidation services. However, some consolidation companies may require that payments are no more than three months behind. For people who have more serious delinquencies, debt settlement or debt negotiation may be an option to consider. 


Some lenders offer debt consolidation loans with less eligibility criteria. Many debtors with bad credit can use these loans and pay off high-interest debts. These loans may have high interest rates, yet most loans for bad credit people do anyway. There are hundreds of choices for using professional services, the important thing is to start early, before debts and late fees are out of hand. Quotes are usually free, and it may be a step in the right direction to get one. Debt relief can help ease some of the stresses of life and may eliminate some sleepless nights.

How do I stop charges to my credit card account for a free offer I had cancelled during the trial period? I cancelled the free trial, but the company keeps charging and my bank says to contact the billing company:

First, send a certified letter (with return receipt) to the offending merchant who keeps charging your credit card, and direct them to stop charging. Include any documents you may have (copy of email, cancellation number, etc) to prove you had cancelled the trial offer within the required time range.

Afterwards, notify your bank in writing about the charge(s) you feel were in error. (Use the billing error instructions, which should appear on the back of the periodic credit card statement. This address is usually different from where you send your payment.) Also inform them that you had sent a cease letter to the merchant. The bank must receive your notice of billing error within 60 days of its having sent you the first monthly statement containing the unauthorized charges.

Before you Freeze Your Credit Report with Bureaus, Review these Pros and Cons.
Really free credit scores from credit card company.
Review these free tips which offer debt help for unemployed people.
With Extra Payments, You Can Save Interest Money and Payoff Debt Faster. Use our Free Credit Card and Loan Extra Payment Calculator.
You can remove a credit freeze permanently, amd you may also request a temporary lift of a freeze.
Bank Free Credit Score - The Consumer Financial Protection Bureau (CFPB) is imploring banks to offer free credit scores to their members.
Apply for the Best Back to School Credit Card for Savings Rewards on Clothes, Shoes, Notebooks and All Supplies
Debt Collectors on Facebook Social Media to Locate Delinquent Account Payers for Collections
It's important to properly balance checking accounts with your bank so you don't overdraft or bounce a check. Free guide how to balance a checkbook.
Financial education should begin early to avoid bad credit habits. Free tips and advice to teach kids about credit, plus our free electronic checkbook register software.
Consumers Pay the Price for Check Fraud Scams. Read our tips on how to avoid credit scams and download our free checkbook register software.
Our proprietary Personal Finance Center software has received multiple awards, and yet we still give it away 100% free. Download your electronic checkbook register copy.
The Federal Deposit Insurance Corporation (FDIC) issued its newest list of state nonmember banks. Apply for a bank checking account and use our free checkbook register software.
Take control of your personal budget to cut expenses immediately. Download our free checkbook manager to track expenses.
Banks report more suspicious and potentially fraudulent account activities to the federal government. Read about scams and download our free checkbook register software.
Banks flaunt free checking accounts with no monthly service fees, yet increase other charges. Download our free checkbook register software.

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.

Top Well Known Credit Unions by Membership
1. Navy Federal Federal Credit Union - Merrifield, VA. 3,194,292 members.
2. State Employees Credit Union - Raleigh, NC. 1,498,062 members.
3. Pentagon Federal Credit Union - Alexandria, VA. 864,803 members.
4. The Golden 1 Credit Union - Sacramento, CA. 694,836 members.
5. Security Service Federal Credit Union - San Antonio, TX. 681,353 members.
6. Boeing Employees Credit Union - Tukwila, WA. 588,755 members.
7. America First Federal Credit Union - Ogden, UT. 484,291 members.
8. Suncoast Schools Federal Credit Union - Tampa, FL. 471,441 members.
9. Schoolsfirst Federal Credit Union - Santa Ana, CA. 400,721 members.
10. Digital Federal Credit Union - Marlborough, MA. 370,309 members.
11. Desert Schools Federal Credit Union - Phoenix, AZ. 364,261 members.
12. Pennsylvania State Employees Credit Union - Harrisburg, PA. 350,812 members.
13. Alaska USA Federal Credit Union - Anchorage, AK. 348,933 members.
14. Vystar Credit Union - Jacksonville, FL. 347,123 members.
15. Wescom Central Credit Union - Pasadena, CA. 340,620 members.
16. Mountain America Federal Credit Union - West Jordan, UT. 319,361 members.
17. Redstone Federal Credit Union - Huntsville, AL. 304,825 members.
18. Municipal Credit Union - New York, NY. 301,068 members.
19. ESL Federal Credit Union - Rochester, NY. 298,288 members.
20. Patelco Credit Union - San Francisco, CA. 297,626 members.
21. GECU Credit Union - El Paso, TX. 281,983 members.
22. Randolph-Brooks Federal Credit Union - Live Oak, TX. 278,971 members.
23. Citizens Equity First Credit Union - Peoria, IL. 261,360 members.
24. Teachers Credit Union - South Bend, IN. 254,871 members.
25. San Antonio Federal Credit Union - San Antonio, TX. 248,548 members.
26. State Employees of Maryland Credit Union - Linthicum, MD. 245,115 members.
27. Alliant Credit Union - Chicago, IL. 234,003 members.
28. Kinecta Federal Credit Union - Manhattan Beach, CA. 228,439 members.
29. Arizona Federal Credit Union - Phoenix, AZ. 224,865 members.
30. Hudson Valley Federal Credit Union - Poughkeepsie, NY. 214,769 members.
31. American Airlines Federal Credit Union - Ft. Worth, TX. 212,362 members.
32. Eastern Financial Florida Credit Union - Miramar, FL. 206,744 members.
33. GTE Federal Credit Union - Tampa, FL. 203,376 members.
34. San Diego County Credit Union - San Diego, CA. 201,254 members.
35. Tinker Federal Credit Union - Tinker Afb, OK. 196,717 members.
36. Ent Federal Credit Union - Colorado Springs, CO. 193,449 members.
37. Keesler Federal Credit Union - Biloxi, MS. 191,474 members.
38. Onpoint Community Credit Union - Portland, OR. 191,006 members.
39. Teachers Federal Credit Union - Farmingville, NY. 189,227 members.
40. Coastal Federal Credit Union - Raleigh, NC. 187,790 members.
41. Kern Schools Federal Credit Union - Bakersfield, CA. 187,385 members.
42. Bellco Credit Union - Greenwood Village, CO. 186,978 members.
43. Grow Financial Federal Credit Union - Tampa, FL. 186,348 members.
44. Virginia Credit Union, Inc. Credit Union - Richmond, VA. 185,718 members.
45. Community America Credit Union - Kansas City, MO. 184,042 members.
46. Founders Federal Credit Union - Lancaster, SC. 183,968 members.
47. Delta Community Credit Union - Atlanta, GA. 181,259 members.
48. Truliant Federal Credit Union - Winston-Salem, NC. 181,191 members.
49. Wright-Patt Credit Union - Fairborn, OH. 172,822 members.
50. North Carolina Local Government Federal Credit Union - Raleigh, NC. 170,523 members.

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