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Welcome to Financial 4.0, brought to you by MSU Federal Credit Union. A FREE resource that provides financial education, resources, and tools to help you achieve your goals and dream BIG. From blogs, podcasts, quizzes, and calculators, all created by certified financial educators, this is your hub for financial learning.

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What is Credit?

VIDEO | CREDIT

5 min | January 27, 2025

Credit is essential for getting loans, renting an apartment, or getting a job. Watch now to learn about the differences between a credit report and a credit score, different factors that make up your credit score, and tips to create healthy credit habits.

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Recent Content

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Social Media Safety

BLOG | FRAUD

2 min read | May 8, 2025

Social media platforms are a great place to share our experiences and interests, as well as communicate and coordinate events. Unfortunately, they are also a potential gold mine for identity thieves. 

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Tips and Tricks to Become an Expert Networker

BLOG | CAREER

2 min read | May 6, 2025

Networking is important and can make a big difference in your professional life. Here are a few things to be conscious of while doing your best networking.  

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No Credit vs. Poor Credit

BLOG | CREDIT

2 min read | May 1, 2025

You may be told you’re not approved for a loan because you don’t have a credit history, but the reasoning is not the same as someone who is denied because of poor credit history. And the steps toward approval are quite different.

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Get to Know the Credit Bureaus

BLOG | CREDIT

3 min read | April 29, 2025

Credit bureaus collect and track consumer and business financial data. They create credit reports from their collected data, which are then used to generate credit scores. Learn about them and how they use information to build your score.

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Business and Job Opportunity Scams

BLOG | FRAUD

2 min read | April 24, 2025

Scams related to business and job opportunities are more common than you might think. This article covers how fraudulent companies take advantage of those seeking new employment and ways you can protect yourself.

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Image for Wallet Watch: The Evolution of Fraud

Wallet Watch: The Evolution of Fraud

PODCAST | FRAUD

22 min | April 23, 2025

At some point in our lives, we have all experienced some form of fraud, an unauthorized charge on our account or a phishing email attempt. Jamie Smathers, VP of Fraud Prevention and BSA at MSU Federal Credit Union joins us to talk about fraud.

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Always read the fine print.

Predatory lenders often prey on people who are desperate for quick cash, making it important for you to understand exactly what you’re signing up for when you hear that a lender approves everyone regardless of credit!

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