How to declutter your finances for the fall season
The first day of fall arrives on September 22, 2026, bringing the perfect opportunity to refresh your finances and build smarter habits for the season ahead.
Here’s how you can make the most of the season:
- Cancel forgotten subscriptions – Review your accounts for unused subscriptions or memberships and cancel them to free up more room in your monthly budget. You can then redirect those funds to your Savings Account or use them to pay down debt.
- Track your spending – Small purchases like coffee runs, online shopping or dining out can quietly drain your budget. Use our How Much Am I Spending Calculator to see where your money is going and identify opportunities to cut back. Taking a closer look at your spending habits will help you make more mindful choices moving forward and take the guesswork out of budgeting.
Smart financial tip: Put the money you save into a High-Yield Savings Account1 to watch your funds grow even faster.
- Check your credit – Use our Savvy Money tool, available through Digital Banking2, to access your credit score, full credit report, credit monitoring and financial tips—all for free. Regularly checking your credit helps you spot fraud early or catch reporting errors, both of which can hurt your score. Lenders use this information to determine your interest rates and loan terms. A clean report ensures you get the best loan terms possible, which translates to lower payments.
- Go paperless – Paper statements can pile up quickly and be a pain to keep up with. Digital Statements offer a simpler, more secure way to access and store your financial records. With Digital Statements, you can view your monthly statements instantly in Digital Banking and rest easy knowing your documents are housed in our password-secured banking portal. This also reduces the risk of your financial information being lost or stolen in the mail, keeping your accounts safer.
We hope these tips help you embrace the cozy season with confidence and financial clarity!
1Dividend rates are variable and may be changed or discontinued at any time. A blended APY is calculated based on balances in each earning tier, and the exact APY will depend on the balance in the account. Dividends paid and compounded monthly. Limit of one High Yield Savings Account per primary member’s Social Security Number. Available to both business and consumer Members. Subject to $10 Membership fee if not already a Member.
2Carrier rates may apply for data usage.
