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KOFE

KOFE – St. Paul FCU

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Coaching

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New!

The 2026 Money Confidence Roadmap

A year-long guide to easing financial stress, improving credit, and regaining control over debt

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Courses

Want to become an expert in personal finance

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Budgeting

Budgeting is the key to success

Keep your finances in shape with this easy tool

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Taxes

The ABCs of the IRS: Taxes made simple

No one likes paying taxes. No one likes thinking about taxes. Here’s how to save money (and aggravation) in just a few minutes.

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Statistics for American households

51%

Only 51% of American adults are financially literate

Marketwatch

1 in 5

Nearly 1 in 5 credit card owners are borrowing 90% or more of their available credit – 15% of these are Gen Z borrowers who have the highest delinquency rates among all other demographics

New York Federal Reserve

55%

Small businesses accounted for 55% of job creation between 2013 – 2023

Bureau of Labor Statistics

1.54%

Only 1.54% of U.S. consumers have a perfect FICO Score of 850

Experian

15.5%

Only 15.5% of homes for sale in 2023 were affordable for the typical U.S. household—the lowest share on record – down from 45% in 2020

Redfin

$1,225

The average American consumer is paying $1,225 a month in credit cards, mortgages and auto loans

Experian

1 out of 3

1 out of 3 Americans believe they’ll never own a home (38%)

Redfin

$1,506

Americans lost an average of $1,506 in 2023 due to financial illiteracy

Financial Educators Council

Next Upcoming Webinar

Celebrate Smart: Your Holiday Spending Plan

Yes, you can save without skimping this holiday season.

11/11/2026 1:00 pm (EST)

In this free webinar, you’ll learn…

  • How to create a holiday spending plan – and stick to it
  • 6 ways to save on gifts without looking cheap
  • Why some of the most cherished gifts cost nothing at all
Register for the Webinar
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