A+ YOU

Financial Literacy Month is here, and we’re celebrating by diving deep into what financial education really means—for kids, teens, adults, and entire communities.In this episode, Danielle and Amber sit down with Kelly Flaherty, Senior Manager of Consumer Lending at Affinity Plus and proud Affinity Plus Foundation board member. Together, they explore how financial education shows up at every stage of life—and why empowering people with financial knowledge is one of the most meaningful ways to strengthen communities.Kelly shares how his passion for financial literacy grew through years of volunteering with Junior Achievement, bringing money concepts to life for learners of all ages. From kindergarten classroom visits to BizTown and Finance Park simulations, he gives us an inside look at how early exposure builds lifelong habits around budgeting, credit, saving, philanthropy, and financial decision‑making.But financial education isn’t just for youth. The conversation also highlights:How the Affinity Plus Foundation supports adult learners through scholarships, housing stability grants, and community partnershipsThe wide‑ranging tools available in the Affinity Plus Financial Education Center, including budgeting modules, career exploration tools, and self‑paced coursesReal‑life impact stories—like a recent housing success that shows how financial education and community resources can literally open doorsThe emotional side of money, and how learning builds confidence, agency, and empowerment at any ageWhether you're just starting your financial journey or looking to expand your knowledge, this episode will leave you inspired to take your next step—and maybe even get involved in supporting financial education in your community.🎧 Tune in, learn something new, and feel empowered to take control of your financial future.Affinity Plus Federal Credit Union - federally insured by the NCUA

In this episode of A + You, hosts Danielle and Amber sit down with Brad Edwards, a Senior Phone Lender with nearly 20 years at Affinity Plus Federal Credit Union. Brad brings his deep experience in consumer lending to break down one of the most confusing—and often intimidating—topics in personal finance: credit scores.Brad explains why credit should be viewed as a journey, not a label of “good” or “bad.” He shares the key factors that make up a credit score—like payment history, credit utilization, and length of credit history—and offers clear, practical advice for building and maintaining strong credit. Listeners will learn why on‑time payments matter, how credit card usage affects scoring, and ways young people can begin establishing credit responsibly.The conversation also tackles real-life challenges: missed payments, emotional spending, and managing debt. Brad provides helpful guidance on using automatic payments, creating a realistic spending plan, and borrowing intentionally rather than impulsively. The hosts also highlight Affinity Plus tools like credit monitoring through the mobile app and resources available for financial coaching.Whether you’re starting your credit journey or looking to improve your financial habits, this episode offers approachable, judgment-free insights to help you make credit work for you—not the other way around.Affinity Plus Federal Credit Union - federally insured by the NCUA

In this Women’s History Month episode of the A+ You Podcast, Danielle and Amber sit down with Sarah Kuesel, Affinity Plus Federal Credit Union’s Senior Manager of Remote Services, for an honest and uplifting conversation about women’s financial wellness.With nearly three decades of experience in banking—and a personal journey that began as a young single mom—Sarah brings warmth, relatability, and deep expertise to the table. She opens up about the unique financial challenges women face, from caregiving responsibilities to career interruptions, and why confidence, empowerment, and independence are at the heart of true financial wellness.Together, the trio breaks down big concepts into approachable steps: • Why budgeting isn’t restrictive—it’s freeing • How to start your financial journey today, even if it’s with $10 • The power of saying “no” to spending that drains you • How to involve your kids in money conversations (and why you should!) • The importance of community, safe spaces, and trusted financial partners • Why it’s okay—and smart—to ask professionals for helpSarah also shares how Affinity Plus’ remote services give members access to real human support wherever they are, making financial guidance more accessible than ever.Whether you’re feeling behind, overwhelmed, or simply ready to level up your financial confidence, this encouraging conversation reminds women everywhere: you’re not alone, and it’s never too late to start.Affinity Plus Federal Credit Union - federally insured by the NCUA

February brings hearts, connection… and unfortunately, an uptick in online romance scams. In this episode of A+You, Danielle and Amber welcome back their first-ever returning guest: Jacquie Twedt, Director of Operations at Affinity Plus Federal Credit Union.Jacquie oversees payment operations and fraud monitoring—giving her a front‑row seat to how scammers operate, how they evolve, and how everyday people can protect themselves.Together, the team breaks down:Why romance scams spike this time of yearCommon red flags—from moving too fast emotionally to asking for secrecyHow scammers use emotional connection to manipulate victimsReal examples of the tactics fraud networks use (including money‑mule schemes)Why anyone can fall victim, regardless of age, education, or experienceHow to protect yourself and your loved ones onlineHow Affinity Plus monitors accounts and supports victims without judgmentThis is an empowering, judgment‑free conversation designed to help you stay safe while still embracing genuine online connection.Affinity Plus Federal Credit Union - federally insured by the NCUA

In this episode of the A+You Podcast, Danielle and Amber kick off the (still) new year with a conversation focused on financial fitness and building healthier money habits. They’re joined by guest Amanda Bruggman, who brings practical insights on navigating modern consumerism, setting realistic savings strategies, and using financial tools to your advantage.Together, they unpack how influencer culture and “buy now, pay later” trends shape spending habits, why saving often feels harder than spending, and how small systems—like cancel‑immediately subscriptions or round‑up savings—can make a big difference. Amanda also shares helpful perspectives on reducing task‑initiation anxiety around finances, leveraging employer benefits, and diversifying your savings without needing a full‑blown investment portfolio.From naming savings accounts for motivation to preparing financially for the unexpected, this episode is full of relatable stories, simple habits to try, and thoughtful encouragement for anyone looking to improve their financial well‑being in 2026.Plus, hear about the upcoming financial fitness webinar and how you can take the next step toward confident, stress‑free money management.Affinity Plus Federal Credit Union - federally insured by the NCUA

It’s a new year—and the perfect time for a financial tune‑up. In this episode of A+ You, hosts Danielle and Amber kick off 2026 with special guest Jamy Olson, exploring practical, realistic ways to get your finances on track without feeling overwhelmed.Jamy breaks down why big New Year’s resolutions often fall short and how small, intentional changes can lead to meaningful financial progress over time. From reframing the idea of budgeting as awareness—not restriction—to setting values‑based goals that actually stick, this conversation focuses on making money management approachable and personal.The trio dives into strategies like:Looking back at last year to plan ahead with confidenceBuilding a budget that reflects real life (not perfection)Using automation for bills, savings, and loan paymentsPreparing for seasonal expenses and building an emergency fundUnderstanding the emotional side of money and breaking unhelpful habitsJamy also shares helpful Affinity Plus resources—including financial coaches, budgeting tools, and an upcoming community webinar designed to help listeners take the next step with their money in a judgment‑free space.Whether you’re just starting out or looking to refine your financial habits, this episode is packed with encouragement, practical guidance, and reminders that progress doesn’t have to be complicated.🎧 Listen now and start 2026 feeling more confident about your money.Affinity Plus Federal Credit Union - federally insured by the NCUA

Ever wondered if carrying a balance really helps your credit score? Or why your bank sometimes texts you about suspicious transactions? Nic Peterson, VP of Payments at Affinity Plus, joins us to separate credit card fact from fiction!We dive into the world of payments—from traditional cards to tap-to-pay technology—and discuss how to use credit cards safely and strategically. Nick shares insider knowledge about rewards programs, fraud prevention, and why your cards are more secure than you might think.Plus, hear about an exciting merger bringing Affinity Plus services to Albert Lea, Minnesota, and get Nic's expert tips on protecting yourself from scams.Whether you're new to credit or a payment pro, this episode is packed with practical advice to help you navigate the ever-evolving world of payments with confidence.Topics Covered:Credit card myths debunkedRewards vs. non-rewards cardsFraud prevention and security tipsDigital payment evolutionHow to spot legitimate alerts vs. scamsLearn more at affinityplus.orgAffinity Plus Federal Credit Union - federally insured by the NCUA

Get ready to be inspired! Hosts Danielle and Amber sit down with Bill Fish, CEO of Special Olympics Minnesota, for an episode packed with exciting news, heartwarming stories, and a few polar plunge confessions.What You'll Discover:Why the 2026 USA Games in Minnesota will be the second-largest sporting event in North America (behind only the World Cup!)How 3,000 Special Olympics athletes will compete across 8 days of incredible competitionThe amazing "26 Weeks of Giving" initiative supporting inclusion-focused organizations statewideVolunteer opportunities that don't require you to be a sports expert (seriously, you just need to show up!)Amber's detailed ranking of her 19 polar plunges and why #7 was the bestDanielle's commitment to her very first plunge (with Amber as her elbow-throwing guide)Bill shares his 35 years of Special Olympics experience, from memorable moments with Prince at the 1991 World Games to why CEO Dave Larson went from polar plunge skeptic to annual participant. Plus, learn about unified sports partnerships, power lifting sponsorships, and how Affinity Plus continues to champion inclusion across Minnesota.Whether you're interested in volunteering, supporting local athletes, or just want to hear why jumping into freezing water is surprisingly rejuvenating, this episode celebrates the power of community, inclusion, and taking the plunge for a great cause.Key Topics: • 2026 USA Games (June 20-26, 2026) • 26 Weeks of Giving grant applications (due September 30th) • Polar plunge tips and techniques • Volunteer opportunities year-round • Unified sports partnerships • Power lifting competition sponsorshipConnect with Special Olympics Minnesota: specialolympicsminnesota.org Learn more about Affinity Plus: affinityplus.orgAffinity Plus Federal Credit Union - federally insured by the NCUA

Get ready for some delicious financial wisdom! In this fun-filled episode of A + You, hosts Danielle and Amber team up with Affinity Plus Cambridge Branch Manager Kari Krummel to serve up essential money management tips with a tasty state fair twist.While dreaming about fresh-cut french fries, Sweet Martha's cookies, and corn on the cob, our trio explores four crucial financial "tips on a stick":🎪 Budgeting - Your ticket into financial success (and the fair!) 🎢 Managing Debt - Avoiding the financial equivalent of flying off the giant slide 💰 Building Savings - Setting up automatic savings accounts and learning about Affinity Plus's WIN Incentive Savings 🎡 Avoiding Financial FOMO - Resisting the urge to spend just because everyone else isKari brings her 23 years of credit union expertise to help listeners understand how to create a financial plan that works for their unique goals and values. Plus, you'll get insider tips on Affinity Plus services like financial coaching and member consultations.Whether you're saving for next year's state fair adventure or planning for bigger financial goals, this episode will help you budget wisely and avoid getting in over your head. Fair warning: you might leave this episode craving some kettle corn!Affinity Plus Federal Credit Union - federally insured by the NCUA

It’s back-to-school season, and we’re diving into the money matters that matter most for students! Hosts Amber and Danielle are joined by Morgan Wuebker from Affinity Plus’s Mankato campus branch to talk all things student finances — from opening your first checking account to building credit and saving smart.In this episode, you’ll learn:💳 How to manage your first bank account like a pro📈 Simple strategies to build and protect your credit💰 Budgeting tips (yes, even on a ramen budget!)🏦 Why an emergency fund is a student’s best friend🎯 How to set your own financial pace and focus on YOUR goalsWhether you’re a freshman just starting out or a returning student planning for life after graduation, this conversation is packed with practical advice, relatable stories, and a few laughs along the way.Affinity Plus Federal Credit Union - federally insured by the NCUA

🎙️ A+ U Podcast Presented by Affinity Plus Federal Credit UnionGuest: Jacquie Twedt, Director of Operations & Foundation Board ChairIn this special episode, hosts Danielle and Amber sit down with Jacquie Twedt, Director of Operations at Affinity Plus and Board Chair of the Affinity Plus Foundation. They dive into the mission and growing impact of the Foundation—from addressing housing and food insecurity to expanding financial education and access to education across Minnesota.🌟 In this episode, you’ll learn:What the Affinity Plus Foundation is and why it existsThe four key pillars guiding the Foundation’s work: housing stability, food security, financial well-being, and access to educationHow strategic partnerships are helping people access safe housing and homeownershipWays the Foundation supports youth through scholarships and Junior Achievement initiativesThe story behind a historic $1 million in grants awarded through the Federal Home Loan BankHow you can support the Foundation during its 25th anniversary donation match campaign, in partnership with VisaWhether you’re a long-time member or new to Affinity Plus, this episode offers inspiring insight into how the Foundation is building stronger communities—and how you can be part of the impact.🔗 Learn more and get involved at affinityplus.org/25yearsAffinity Plus Federal Credit Union - federally insured by the NCUA

Brought to you by Affinity Plus Federal Credit UnionMinneapolis music legend Nur-D joins hosts Danielle and Amber for a high-energy, heart-filled episode of A+ You! 🎤✨A proud Affinity Plus member, Nur-D talks about his journey as an artist, what it means to give back to the community, and how building his own studio led to the creation of his upcoming 10th album, Chunkadelic—a funk-meets-hip-hop celebration of joy, soul, and self-expression.💥 Hear behind-the-scenes stories about his favorite concerts, how he flipped the meaning of “nerdy” into his stage name, and why being part of a values-driven credit union has made such an impact in his life.🎶 Album Drops: July 23🎉 Chunkadelic Release Party: July 25 @ The Fillmore Minneapolis🔗 More from Nur-D: https://nur-drocks.comSubscribe: https://youtube.com/@AffinityPlusFederalCreditUnionConnect with Affinity Plus:💻 Website https://Affinityplus.org Affinity Plus Federal Credit Union - federally insured by the NCUA

In this episode of A+ You, brought to you by Affinity Plus Federal Credit Union, hosts Danielle Johnson and Amber Shanley are joined by Tara Rutz, Mortgage Servicing and Origination Manager, to help simplify the often overwhelming world of homeownership.From buying your first home to making long-term improvements, Tara offers clear explanations, helpful tips, and relatable stories about the journey of owning a home. Whether you’re just starting out or already settled in, this episode will help you feel more informed—and empowered.Listeners will learn about:The difference between appraisals and inspectionsWhat escrow really means and how it worksDown payment expectations (hint: it’s not always 20%)What mortgage insurance is and when it appliesHow to prepare financially for homeownershipThe step-by-step home buying processHome equity loans vs. HELOCs (home equity lines of credit)What to expect during the closing processThe role of Affinity Plus in supporting members beyond the mortgageWhether you’re exploring your first home or planning a renovation, this episode helps make the process feel a little more approachable—and a lot more exciting.Affinity Plus Federal Credit Union - federally insured by the NCUA

Presented by Affinity Plus Federal Credit UnionIn this insightful and approachable episode of A+ You, hosts Danielle Johnson and Amber Shanley are joined by Kotchi Prosper, Director of Investment & Retirement Services at Affinity Plus Federal Credit Union. From laughs over spilled coffee to smart savings strategies, the conversation makes financial planning feel less intimidating and a lot more human.Kotchi shares his unique personal story (spoiler: he’s never had coffee!) and breaks down the role of the Investment Center at Affinity Plus. He explains how their advisors work hand-in-hand with credit union staff to support members’ goals—whether that’s saving a few dollars a month or preparing for retirement.Listeners will learn about:What an investment advisor really does (no suit required)Why market volatility is normal—and how it can work in your favorThe power of habits in financial successInvestment tips for beginners, including how to start with as little as $5A sneak peek at Affinity Plus’s upcoming DIY investing appThe benefits of 529 college savings plans—and why your retirement should come firstWhether you’re just getting started or rethinking your approach, this episode offers calm, clarity, and a little humor along the way. No pressure, no fees—just helpful, human advice.Affinity Plus Federal Credit Union - federally insured by the NCUA

In this episode of A+ You, hosts Danielle and Amber sit down with Jake Kuester, Director of Business Services at Affinity Plus, to celebrate Small Business Month and dive into the vital role small businesses play in our communities. Jake shares inspiring stories of local entrepreneurs, discusses common challenges faced by small business owners, and highlights the resources and financial tools available through Affinity Plus to help businesses thrive—from startup support to commercial real estate lending. Whether you’re running a burrito shop out of your home or pivoting a business model during a global pandemic, this episode is packed with insight, inspiration, and heart.Affinity Plus Federal Credit Union - federally insured by the NCUA

Episode 4: Financial Education, Part 2 – Real Tips for Real LifeGuest: Anthony KueflerPresented by: Affinity Plus Federal Credit UnionIn part two of our financial education series, Anthony Kuefler (Tony) returns to share practical, real-life strategies for taking control of your finances. From the importance of “paying yourself first” to using the snowball or avalanche method for debt payoff, this episode is packed with actionable tips for every stage of life.We also explore how financial planning evolves through different life phases, the emotional side of money, and how budgeting doesn’t have to be scary—it’s empowering. Whether you’re new to managing your money or looking to refine your approach, this conversation offers inspiration, clarity, and a few laughs along the way.🎧 Topics covered:Budgeting basics and tipsDebt payoff strategies: Snowball vs. AvalancheFinancial decision-making through different life stagesThe emotional side of money and empowermentDon’t forget to subscribe and check out Episode 1 with Anthony! Affinity Plus Federal Credit Union - federally insured by the NCUA

In this special Financial Literacy Month episode, hosts Danielle Johnson and Amber Shanley are joined by Anthony Kuefler, a Financial Coach from Affinity Plus’s Bemidji branch. Together, they dive deep into what it means to truly understand financial education—and how Affinity Plus is helping members across all stages of life build stronger financial futures.Anthony shares a powerful and emotional story about a member he worked with for three years, helping her recover from a $15,000 scam and ultimately celebrate a triumphant debt payoff. It’s a story of resilience, financial empowerment, and the kind of member-first support that defines Affinity Plus.Whether you’re just starting your financial journey or refining your plan, this episode offers practical advice, real-life inspiration, and a whole lot of heart.Affinity Plus Federal Credit Union - federally insured by the NCUA

In this episode of the A+ YOU Podcast, hosts Danielle Johnson and Amber Shanley sit down with Brian Volkmann, CFO of Affinity Plus Federal Credit Union, to discuss how interest rates impact personal finances, loans, and savings.Brian shares insights on how Affinity Plus determines rates for mortgages, auto loans, and credit cards, while also explaining the role of the Federal Reserve and inflation in shaping financial markets. The conversation highlights the importance of credit scores, down payments, and loan terms in securing better rates.Whether you’re considering buying a home, refinancing a loan, or improving your savings strategy, this episode provides expert insights and practical advice to help you make informed financial decisions.Affinity Plus Federal Credit Union - federally insured by the NCUA

Dave Larson, CEO of Affinity Plus, shares his 31-year journey in finance and what makes credit unions unique - they're not-for-profit, focused on serving members, not maximizing profits. Affinity Plus Federal Credit Union - federally insured by the NCUA