SmartMoney Online

SmartMoney Online is a free financial guidance center providing more than 30 short interactive learning experiences in areas such as budgeting, auto loans, credit scores, credit cards, buying a home, and retirement planning. Select one of the categories below to get started.

Learning Modules

What is a Credit Score?

Original Post By Julia Kagan Investopia What Is a Credit Score? A credit score is a statistical number that evaluates a consumer's creditworthiness and is based on credit history: number [...]

What is Interest?

Ever wonder why you have to pay a fee to borrow money? Learn all of the ends and outs of interest here.

Credit Unions vs. Banks: How to Decide

Original Post By Devan Goldstein Nerdwallet If you’re choosing between credit unions and banks, look at key differences like profit models, interest rates and branch access to figure out which aspects are most important to [...]

Certificate of Deposit: What is a CD?

CDs can have higher rates than standard savings accounts, but your cash isn't as accessible. What is a CD? Definition: A certificate of deposit, or CD, is a type of federally [...]

Understanding Your Credit Report

When you apply for a loan or a credit card, your credit score is one of the things a lender will consider in deciding whether to approve you and what rate you [...]