Financial Tools

Financial Calculators

Take advantage of these calculators to help you (plan for) and meet your financial goals.

Credit Resources

Request Your Credit Report Online
Under the FACT Act amendments to the Fair Credit Reporting Act you are entitled to one no-cost credit file disclosure (credit report) from each nationwide credit reporting agency every 12 months.

It's quick, easy, and secure. If you are eligible for a no-cost credit report, you will be able to view it and print it after your identity is verified. This website allows you to request a no-cost credit report once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

Click HERE to view a video on why it's important to check your credit report!

Click HERE to obtain your FREE credit report. Once you receive a copy, you may need help understanding the details.  If so, we are here to help!

Good Credit Has its Rewards
Many things in your life are based on your credit score. Whether you are buying a car, a house, renting an apartment, or even applying for a job, your credit is being reviewed. Having poor credit can have a negative impact on your life in a variety of ways. Best Reward Credit Union wants to help you increase your credit score to save you money and improve your financial well-being. Our loan professionals will meet with you one-on-one and review your credit report to show you: what makes up your score, what actions can and cannot hurt your score, and how to improve your score. The higher your credit score, the better the rate you will receive on loans, which can save you thousands of dollars over the life of the loan. We are committed to helping you build good credit.

Contact us to set up an appointment!

Credit Score Information
The FICO® Score is calculated from several different pieces of credit data in your credit report. This data is grouped into five categories as outlined below. The percentages in the chart reflect how important each of the categories is in determining how your FICO Score is calculated.

myFICO is the consumer division of Fair Isaac, the company that invented the FICO® credit risk score that lenders use. Starting in the 1960s, Fair Isaac sparked a revolution by pioneering credit risk scoring for the financial services industry. This new approach to lending enabled financial institutions to improve their business performance and expand consumers’ access to credit. Today Fair Isaac’s FICO® score is widely recognized as the industry standard for lenders. Learn more about credit scores at the FICO website, click here.

Financial Education

Household Budget Worksheets
Below are links to printable household budget worksheets. The weekly spending worksheet helps you track how much you spend in any given week so that you can put your monthly budget worksheet in place. The monthly budget worksheet is designed to assist you in creating a monthly budget so you can pay all of your bills on time and save money. If you need assistance in developing a budget, please contact us and we would be happy to assist!

National Endowment for Financial Education (NEFE)
The National Endowment for Financial Education (NEFE) is the leading private nonprofit 501(c)(3) national foundation dedicated to inspiring empowered financial decision making for individuals and families through every stage of life. Click here to visit their website for resources that are non-commercial and frequently updated to ensure credible, reliable information for consumers.

Federal Trade Commission (FTC)
The Federal Trade Commission (FTC) is the nation’s consumer protection agency. The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace. Click here to visit their website to learn more about Money, Credit, and more.

Identity Theft

  • Click here for information on preventing identity theft and what to do if you believe your identity has been stolen or compromised.

Money Matters
The Federal Trade Commission (FTC) created this website to help you tackle some money issues head-on. Click here to visit their website to find tips and resources on money matters.

Ohio Housing Finance Agency (OHFA)
The Ohio Housing Finance Agency provides homeownership and rental assistance to Ohio residents. OHFA's programs also support developers and property managers of affordable housing throughout the state. Whether you are a renter or homebuyer, a developer, or a property manager, find out how OHFA’s programs can help you by clicking here.

Auto Buying, Selling, and More

Auto Buying Center

Did you know that the average person will spend 4 months researching cars before making a purchase? Most of that time is spent online, using a variety of resources to find accurate information. Don’t waste time searching through a dozen different websites!

Find all that you need with our Auto Buying Center where you can locate local inventory, read reviews, view videos, compare vehicles, and get your pre-approval all in one place.

  • Free CARFAX Reports
  • Find & Price Local Inventory
  • Right Fit Auto Build
  • Used Car Values
  • Refinance Calculator
  • Multi-Vehicle Comparison Tool
  • “My Cars” Save Feature

Click HERE to view a video for more information.

Click HERE to get started today!

Buying a Car? The AskAuto® App Can Help!

We’ve got a powerful tool that can help make your shopping experience easier.

With the AskAuto App, you can:

  • Scan VINs to get average retail cost and EPA mileage estimates on vehicles you like.
  • Compare, rank and save notes on vehicles you might want to buy.
  • Learn which loans might be best for you.
  • Apply for a loan anytime, anywhere using your mobile device. Just scan your driver’s license* and the AskAuto app prefills our loan application with your personal information and the vehicle information for the car you’re interested in purchasing.

Click HERE to view a video for more information.

Want to take AskAuto for a test drive? Click HERE to download our FREE App today. Be sure to select Best Reward Credit Union on the startup screen.

*Driver’s license scan not available in all states.

0% Financing - Know the Facts

Some members think that they are better off with 0% financing. Well, that may not be the case. Click HERE to learn a few things that you may not know about 0% financing offers.

Buying vs. Leasing
Each has its advantages and disadvantages. If you’re interested in saving money, buying a vehicle is more economical. Examine your needs, preferences, and lifestyle to determine what’s best for you. Click HERE to learn more about the pros and cons of each.

Industry Links

National Credit Union Administration (NCUA)
Best Reward Credit Union is federally insured by the NCUA. To learn more about the NCUA visit their website by clicking here. To learn more about the federal insurance click here.

Credit Union National Association (CUNA)
The premier national trade association serving United States credit unions. Learn more by clicking here.

CUNA Mutual Group
A mutual insurance company that provides financial services to cooperatives, credit unions, their members, and other customers. Learn more by clicking here.

Ohio Credit Union System
A state trade association whose mission is to foster the success of credit unions, and the credit union philosophy in Ohio. Learn more by clicking here.

World Council of Credit Unions (WOCCU)
The leading international trade association and development agency for credit unions. Learn more by clicking here.

Government Links

State of Ohio
Obtain information regarding tourism, recreation, education, employment, and more by clicking here.

Internal Revenue Service (IRS)
The IRS is the U.S. government agency responsible for tax collection and tax law enforcement. Click here to visit their website to learn more about filing your taxes, making payments, tracking your refund, accessing downloadable tax forms, and more.

Social Security Administration (SSA)
The Social Security Administration is an independent agency of the U.S. government that administers a social insurance program consisting of retirement, disability, and survivors' benefits. Click here to visit their website  to apply for benefits, estimate future benefits, find frequently asked questions, contact information, and more.

Go Direct®
If you still receive a paper check for your Social Security or other federal benefit payments, you are out of compliance with the law. The Treasury Department requires federal benefit payments to be made electronically - through direct deposit or the Direct Express® Debit MasterCard®. Click here to learn more about payment options, enroll online, find FAQ's, contact information, and more.

My Credit Union
Learn about credit unions, protect your finances, access financial tools & resources, the NCUA Consumer Assistance Center, and more by clicking here.

My Money
Learn the basics about financial education. Whether you are buying a home, balancing your checkbook, or investing in your 401(k), clicking here provides information by the U.S. government that can help you maximize your financial decisions.

Federally Insured by NCUA Equal Housing Lender

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Best Reward Credit Union is actively working to increase accessibility and usability of its website in accordance with ADA standards and guidelines. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us toll free at 877-232-9540. All products and services available on this website are available at all Best Reward Credit Union branches or by calling 877-232-9540.