Financial Education

Get Educated, Pay Off Debt, Save More Money.

Whether you need help with your household budget or want to figure out the best way to save for a college education be sure to read about the latest financial strategies and to try our personal banking calculators.
Should I consolidate my debt?

Is this the right time to consolidate your debt? This calculator can help you decide. See what your monthly payment would be with or without a consolidated loan and how many months it will take to become debt free.

Cost of Credit

If you don't pay off your credit card balance every month, the interest assessed on your account means you may be paying more for the items you purchase than you expect. And if you spend beyond your means and add up considerable credit card debt, the extra money you pay in interest can be alarming! To find out how much extra you might pay on credit card purchases, use this simple calculator.

Building an Education Fund

Saving for college can be a tricky process. First, you need to determine your school of choice. Then there are expenses beyond tuition: books, materials, off-campus housing, food, etc. You also have to consider that as you save, prices will increase.

Please note, that by clicking on the "Practical Money Skills for Life" logo, you will be leaving

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Please note, that by clicking on the "Practical Money Skills for Life" logo, you will be leaving

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Please note, that by clicking on the "Practical Money Skills for Life" logo, you will be leaving

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Identity Theft Prevention

Learn how to protect yourself from identity theft.

Launch Video

Credit Reports and Credit Scores

Learn how to better understand your credit report and credit score, correct errors and obtain a free credit report.

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Identity Theft Prevention for your Small Business

Learn the steps to safeguard your business' private information.

Launch Video

Money Basics

Watch a short video on planning for your financial future and link to websites with additional financial tools.   

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These calculators are designed to be informational and educational tools only, and when used alone, do not constitute investment advice. We strongly recommend that you seek the advice of a financial services professional before making any type of investment. We also encourage you to review your investment strategy periodically as your financial circumstances change. This model is provided as a rough approximation of future financial performance. The results presented by this calculator are hypothetical and may not reflect the actual growth of your own investments.


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Time to Save

SpiritBank offers you a choice of three different types of Personal Savings Accounts. Which one is right for you? Learn More
Select a SpiritBank Interest Bearing Money Market Account and start making your money work harder for you. Learn More

FDIC Insurance up to $50 Million

Enjoy full FDIC coverage on accounts larger than $250,000, while still working with the bank you know and trust. Learn More