$mart money moves
Your Path to $marter $avings
$mart Money Moves You Can Make Today
$mart Money Moves is our year-long financial wellness series designed to help you take control of your money, one smart decision at a time. Throughout 2026, we’ll share practical tools and guidance to help you build confidence and make progress toward your financial goals.
Your Path to Financial Wellness
As a member of Certified Federal, you have access to Balance Financial Wellness, an easy-to-use platform with budgeting tools, educational articles, and financial coaching designed to help you reach your goals and feel confident about your finances.
Debt Consolidation:
Your First $mart Money Move
One of the easiest ways to start strong is by consolidating your debt. By combining multiple balances into one payment, you can simplify your finances and create a clearer path forward.
Why it works:
- One monthly payment instead of many
- Potentially lower overall interest
- Easiest to stay organized and on track
Use our free Debt Consolidation Calculator, powered by Balance, to see if this option makes sense for you.
Questions? Call 323.859.2250, Option [1], Monday-Friday, and speak with one of our experienced loan officers.
$mart Money Moves: Tools & Teaching Guides
Budgeting & Spending
Understand where your money is going and create a realistic budget that supports your goals without feeling restrictive.
Credit & Financial Health
Learn how your credit works, what impacts your score, and how small changes can improve your overall financial health over time.
Saving & Emergency Funds
An emergency fund can help you stay on track without relying on credit. Learn simple, realistic ways to start saving and build consistency.
These tools are provided to our members through Balance, our trusted financial wellness partner, so you can make $mart Money Moves at every stage.
This information is provided for educational purposes only, and is not intended as financial, legal, or tax advice.