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179 <div class="olb"> <div class="olb__trigger" role="button" tabindex="0" aria-label="Login"> <st-icon icon="lock"></st-icon> <span>Login</span> <st-icon icon="chevron-down" css-class="down-icon"></st-icon> </div> 
180
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199                            <a href="https://secure.adviacu.org/AdviaCreditUnionOnline/Uux.aspx#/login/resetPasswordUsername" target="_blank" aria-label="Forgot Password">Forgot Password</a>
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201                <a href="https://secure.adviacu.org/adviacredituniononline/sdk/UnlockUserResetPwd" target="_blank" aria-label="Unlock Login">Unlock Login</a>
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399                    <div class="category">Financial Tools &amp; Technology</div>
400                <h1>Is Your Financial Emergency Plan Ready?</h1>
401                <div class="date">09/2026</div>
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408        <p>When people think about emergency preparedness, they often focus on batteries, bottled water, and first aid kits. While those essentials are important, there’s another type of preparedness that deserves equal attention: financial preparedness.
409</p><p>September is National Preparedness Month, making it the perfect time to review your financial emergency plan and ensure you’re ready for unexpected expenses. Whether it’s a major home repair, an unplanned medical bill, a temporary loss of income, or a natural disaster, having the right financial tools in place can help you navigate challenges with greater confidence and less stress.
410</p><p>Here are a few steps you can take this month to strengthen your financial emergency preparedness:
411</p><h2>1. Build and Maintain an Emergency Fund
412</h2><p>One of the most important components of any financial emergency plan is an emergency fund. Having <a target="_blank" href="/personal/bank/savings">dedicated emergency savings</a> can help cover unexpected expenses without disrupting your everyday budget or forcing you to rely on high-interest debt.
413</p><p>Financial experts often recommend saving enough to cover three to six months of essential living expenses. But even small, consistent contributions can make a meaningful difference over time. To start building your emergency savings account:
414</p><ul><li>Set a monthly savings goal and automate contributions.
415    </li><li><a target="_blank" href="/personal/bank/savings/high-yield-savings">Direct a portion of each paycheck into savings</a>.
416 </li><li>Deposit tax refunds, bonuses, or other windfalls into your emergency fund.
417    </li><li>Gradually increase contributions as your budget allows.</li></ul><p>Digital Banking tools have made saving easier than ever. With <a href="/resources/banking-tools/digital-banking">Advia’s My Savings Goals</a>, you can create customized savings targets, schedule automatic transfers, and track your progress right from your phone or computer.
418</p><h2>2. Know Your Credit Before an Emergency Happens</h2><p>In an emergency, access to affordable financing may become important. That’s why understanding how to improve your credit score before a crisis occurs can help you prepare for future borrowing needs.
419</p><p>Tools like <a href="/resources/banking-tools/digital-banking/savvymoney">SavvyMoney</a>, available on Advia Digital Banking, allow you to monitor your credit score and receive personalized insights to help improve your overall financial health.
420</p><p>Regularly reviewing your credit can help you:
421</p><ul><li>Identify errors or inaccuracies
422    </li><li>Understand factors impacting your score
423    </li><li>Monitor changes over time
424    </li><li>Better position yourself for future loan applications
425    </li></ul><p>Strong credit can provide more borrowing flexibility when you need it most.
426</p><h2>3. Understand Your Emergency Financing Options
427</h2><p>Emergency savings should be the first line of defense whenever possible, but some situations require additional financial resources. Knowing your options ahead of time can help you make informed decisions during stressful circumstances.
428</p><p>Instead of scrambling to find a solution during an emergency, take time to understand available financing options before you need them.</p><h3>Personal Loans
429</h3><p>Unexpected expenses like medical bills, emergency travel, or urgent repairs can sometimes exceed available savings. <a href="/personal/borrow/personal-loans/signature-loan">Advia’s Signature Loan</a> is a fixed-rate personal loan with flexible terms. It’s one predictable payment that's great for emergency repairs, last-minute travel necessities, and other unplanned expenses.
430</p><h3>Home Equity Lines of Credit (HELOC)
431</h3><p>Homeowners may also consider opening a Home Equity Line of Credit (HELOC) as part of their broader financial preparedness strategy.
432</p><p>What is a HELOC? It provides access to a revolving line of credit based on the equity in your home. While it shouldn’t replace an emergency fund, it can serve as an additional financial resource for significant expenses such as major home repairs, storm damage, or other unexpected costs.
433</p><p>With <a href="/personal/borrow/home-equity-loans-lines/home-equity-line-of-credit">Advia’s low-rate HELOC</a>, you’ll enjoy competitive rates,  $0 annual or pre-payment fee, and interest-only payments for 10 years.&nbsp;Interest may be tax deductible, and you’ll have added peace of mind with an additional financial safety net for those extra expensive emergencie
433s.
434</p><h3>Credit Cards
435</h3><p>A credit card for emergencies can also play a role in emergency financial preparedness when used responsibly.
436</p><p>Having access to an <a href="/personal/borrow/visa-credit-cards">Advia Visa® Credit Card</a> can provide flexibility for qualifying emergency purchases when immediate payment options are limited. Our Visa® Platinum Credit Cards offer low rates, great rewards, and no annual fees.
437</p><p>Remember to use credit strategically and maintain a sturdy repayment plan to help avoid carrying long-term balances.
438</p><h3>Buy Now, Pay Later (BNPL)
439</h3><p>Not every unexpected expense requires a new loan. For smaller unplanned purchases, <a href="/personal/borrow/buy-now-pay-later">Buy Now, Pay Later (BNPL)</a> can provide additional flexibility.
440</p><p>Available on Advia Digital Banking, BNPL allows eligible members to split qualifying debit card purchases into manageable installment payments.<sup>1</sup>&nbsp;It also alerts you when a recent debit card purchase qualifies for split payments. It takes just a few clicks, and there’s no application or credit check.</p><table><thead><tr><th>Financial Emergency</th><th>Advia Solution That May Help</th></tr><tr></tr></thead><tbody><tr><td style="font-size: 16px !important">Sudden job loss or reduction in household income</td><td style="font-size: 16px !important">Dedicated emergency Savings Account</td></tr><tr><td style="font-size: 16px !important">Unexpected medical expenses</td><td style="font-size: 16px !important">Signature Loan for predictable payments and fixed terms</td></tr><tr><td style="font-size: 16px !important">Major home repair (roof, furnace, plumbing, storm damage)</td><td style="font-size: 16px !important">Home Equity Line of Credit (HELOC)</td></tr><tr><td style="font-size: 16px !important">Emergency vehicle repair</td><td style="font-size: 16px !important">Buy Now, Pay Later for eligible purchases</td></tr><tr><td style="font-size: 16px !important">Temporary cashflow gap while waiting for reimbursement or insurance claims</td><td style="font-size: 16px !important">Visa® Credit Card for short-term purchasing flexibility</td></tr><tr><td style="font-size: 16px !important">Concern about qualifying for future financing during an emergency</td><td style="font-size: 16px !important">SavvyMoney® credit monitoring to track and improve credit health</td></tr><tr><td style="font-size: 16px !important">Difficulty staying consistent with emergency savings goals</td><td style="font-size: 16px !important">My Savings Goals within Digital Banking to automate and track progress</td></tr></tbody></table><h3>Start Preparing Today
441</h3><p>National Preparedness Month is a great reminder that emergencies rarely come with advance notice. While no one can predict the future, taking proactive steps today can help reduce financial stress tomorrow.
442</p><p>Building emergency savings, monitoring your credit, and understanding available financing options are all important parts of a comprehensive financial emergency preparedness strategy. No matter where you are on your financial journey, small actions taken today can help create greater peace of mind for whatever tomorrow may bring.
443</p><p><strong>About Advia Credit Union:</strong> Our mission is to provide financial advantages to our members. With nearly $4 billion in assets, Advia seeks to provide quick and easy access to money and time-saving financial tools to nearly 200,000 members in <a href="/about/branches-atms/michigan">Michigan</a>, <a href="/about/branches-atms/wisconsin">Wisconsin</a>, and <a href="/about/branches-atms/illinois">Illinois</a>. Advia's team of over 600 professionals delivers excellent service and innovative products at 34 locations and via digital and mobile platforms. Advia is guided by its <a href="/about/company-profile/core-values">core values</a>: driving progress, acting with integrity, building and strengthening relationships, and keeping people at the core. Visit <a href="/homepage">adviacu.org</a> to learn more about how Advia provides Real Advantages for Real People.™ </p><p style="font-size: 10px !important"><strong>1</strong> Eligibility for the Buy Now, Pay Later program options is subject to qualifying amounts, and existing account relationship(s). Membership account must be in good standing with verifiable deposits. You can only participate in the BNPL program if you receive an offer within Advia’s online banking portal. Must be 18 or older to apply. All offers and rates are subject to change at any time. Advia is an Equal Opportunity Lender.
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581    <iframe class="close" id="receiver" scrolling="auto"
582      data-src="https://adviacu2.amelia.com/Amelia/ui/advia_external/chat?domain=adviacucustomerfacing"
583      frameborder="0" width="100%" height="100%"
584      allow="geolocation; microphone; camera">
585      <p>Your browser does not support iframes.</p>
586    </iframe>
587
588  </div>
589</div>
590
591<script>
592function closeConversation() {
593  console.log("close conversation");
594  sendMessage({actionType: 'endConversation'});
595}
596
597function resetConversation() {
598  sendMessage({ actionType: "resetConversation" , "actionData": true});
599}
600
601function callBpnWithEchoMessage(bpnName, message) {
602  sendMessage({actionType: 'ameliaBpn', actionName: bpnName, actionData: {message: message}});
603}
604
605function callBpn(bpnName) {
606  sendMessage({actionType: 'ameliaBpn', actionName: bpnName, actionData: {submission: {shouldEcho: false}}});
607}
608
609function sendUserUtterance(utterance) {
610  sendMessage({actionType: 'ameliaSay', actionData: utterance});
611}
612
613function sendConversationAttribute(key, value) {
614  let data = {};
615  data["actionType"] = "ameliaConversationAttributes";
616  let entry = {};
617  entry[key] = value;
618  data["actionData"] = entry;
619  console.log("Send data: " + JSON.stringify(data));
620  sendMessage(data);
621}
622
623function logout() {
624  sendMessage({actionType: 'logout'});
625}
626
627function receiveMessage(e, data) {
628  var url = e.data.url;
629  console.log("Event received: " + JSON.stringify(e.data));
630  if (e.origin !== 'https://adviacu2.amelia.com/Amelia/ui/advia_external/chat?domain=adviacucustomerfacing')
631    return;
632
633  if (e.data.action === "checkout" && e.data.additionalData) {
634    window.location.href = "/checkout/?additionalData=" + e.data.additionalData;
635  }
636}
637
638function sendMessage(jsonData) {
639  console.log(" data inside send message: " + JSON.stringify(jsonData));
640
641  if (isAppStarted) {
642    const iframe = document.getElementById("receiver");
643    iframe?.contentWindow?.postMessage(
644      jsonData,
645      "https://adviacu2.amelia.com "
646    );
647  }
648}
649
650var isAppStarted = false;
651
652window.addEventListener("message", (res) => {
653  if (
654    res?.data?.notificationType === "conversationNew" ||
655    res?.data?.notificationType === "conversationJoined"
656  ) {
657    isAppStarted = true;
658  }
659});
660
661
662// ✅ UPDATED: Lazy load logic added here
663function openChatOverlay(receiverElem) {
664  const iframe = document.getElementById('receiver');
665  const targetSrc = iframe.getAttribute('data-src');
666
667  // Inject src only once
668  if (!iframe.getAttribute('src') && targetSrc) {
669    iframe.setAttribute('src', targetSrc);
670  }
671
672  iframe.classList.add("open");
673  iframe.classList.remove("close");
674  document.getElementsByClassName('chat-overlay')[0].classList.add("chat-overlay-open");
675  document.getElementsByClassName('chat-overlay')[0].classList.remove("chat-overlay-closed");
676  document.getElementsByClassName('chat-overlay-header')[0].classList.remove('close');
677  document.getElementsByClassName('btn-chat')[0].classList.add('hide');
678  document.getElementsByClassName('btn-scroll-to-top')[0].classList.add('hide');
679
680  localStorage.setItem('chatOverlayOpen', true);
681}
682
683function closeChatOverlay(receiverElem) {
684  document.getElementById('receiver').classList.add("close");
685  document.getElementById('receiver').classList.remove("open");
686  document.getElementsByClassName('chat-overlay')[0].classList.add("chat-overlay-closed");
687  document.getElementsByClassName('chat-overlay')[0].classList.remove("chat-overlay-open");
688  document.getElementsByClassName('chat-overlay-header')[0].classList.add('close');
689  document.getElementsByClassName('btn-chat')[0].classList.remove('hide');
690  document.getElementsByClassName('btn-scroll-to-top')[0].classList.remove('hide');
691
692  localStorage.setItem('chatOverlayOpen', false);
693}
694
695function toggleChatOverlay() {
696  var receiverElem = document.getElementById('receiver');
697
698  if (receiverElem.classList.contains('close')) {
699    openChatOverlay(receiverElem);
700  } else {
701    closeChatOverlay(receiverElem);
702  }
703}
704
705document.addEventListener('DOMContentLoaded', event => {
706  var chatOverlayHeaderElem = document.getElementsByClassName('btn-chat')[0];
707  chatOverlayHeaderElem.addEventListener('click', toggleChatOverlay);
708
709  var chatOverlayHeaderMinimize = document.getElementsByClassName('chat-bot-minimize')[0];
710  chatOverlayHeaderMinimize.addEventListener('click', toggleChatOverlay);
711
712  var chatOverlayHeaderClose = document.getElementsByClassName('chat-bot-close')[0];
713  chatOverlayHeaderClose.addEventListener('click', (e)=> {
714    resetConversation();
715    toggleChatOverlay();
716  });
717
718  var chatOverlayHeaderRefresh = document.getElementsByClassName('chat-bot-refresh')[0];
719  chatOverlayHeaderRefresh.addEventListener('click', resetConversation);
720
721  var pageType = document.querySelector('.page-type');
722  var iframe = document.querySelector('#receiver');
723
724  iframe.onload = () => {
725    if (pageType) {
726      sendConversationAttribute('onPage', pageType.value);
727    }
728  };
729});
730</script>
vendor: 2 bytes, line 730
730
731<script type="text/javascript">
732document.write(unescape("%3Cscript src='//munchkin.marketo.net/munchkin.js' type='text/javascript'%3E%3C/script%3E"));
733</script>
vendor: 1 bytes, line 733
733
734<script>Munchkin.init('032-NHF-366', {"wsInfo":"j1RQ"});</script>
734
735
736
737
738
739
740
741    </div>
742</div>
743 </div> </div> </div> </div> </div> <div class="banner"> <div class="container-fluid"> <div class="row"> <div class="col-12 col-lg-6"> <div class="banner-content"> 
744 <div class="banner-info"> 
745
746 </div> </div> </div> <div class="col-12 col-lg-6"> <div class="banner-content"> 
747 <div class="banner-info"> 
748 </div> </div> </div> </div> </div> </div> <div class="bottom-row"> <div class="container-fluid"> <div class="util-footer"> 
749<div class="app-generic-content" >
750    <div ><a href="/sharemyscreen" style="margin-right: 0" title="Share My Screen" target="_blank"><img sf-custom-thumbnail="true" src="/images/default-source/specialty-icons/sharescreen.svg?sfvrsn=c26f772e_2" style="float: left" sf-constrain-proportions="true" width="30" alt="Share My Screen" sf-size="652"></a></div>
751</div> </div> </div> </div> </app-footer> </footer> 
751<script type="application/json" id="PersonalizationTracker">
752	{"IsPagePersonalizationTarget":false,"IsUrlPersonalizationTarget":false,"PageId":"6c490d56-bdaa-4d7a-8d95-4b488be96546"}
753</script>
753<script type="text/javascript" src="/WebResource.axd?d=NjxTqR2bqTw1rewxxlkHPu_eoPiFkyaXKOcoU-qwAaOiZrzE2yIiFAcviiy2WtClNiVhKY8lnZC4vnm2ldpCBwOi8fmQLrKeUxJAi9tsSNB_UjlYMUvBRy3JfN0CQHn2GPZy2wqrqJpR23KSHsmjTuhyCKSjJX8fXTCy9qGQv6ze-DCgEV62dAj9ADNH3DOgofhIs9WqAPpqMlvRaf1ogGWrdNGEHHzLg4eOo8RD90g1&amp;t=639231728620000000">
754
755</script>
755<script type="text/javascript">
756date = new Date();
757year = date.getFullYear();
758month = date.toLocaleString('en-US', { month: 'long' });
759day = date.getDate();
760
761if(document.getElementById("current_date")) {
762  document.getElementById("current_date").innerHTML = month + " " + day + ", " + year;
763}
764</script>
764<script type="text/javascript">
765date = new Date();
766year = date.getFullYear();
767
768if(document.getElementById("current_year")) {
769  document.getElementById("current_year").innerHTML = year +" ";
770}
771</script>
771<script type="text/javascript">
772<script type="text/javascript" src="/docs/default-source/java-scripts/iframeresizer.min.js?sfvrsn=5881d613_1"></script>
vendor: 1 bytes, line 772
772
773<script type="text/javascript">
774			/*
775			 * If you do not understand what the code below does, then please just use the
776			 * following call in your own code.
777			 *
778			 *   iFrameResize({log:true});
779			 *
780			 * Once you have it working, set the log option to false.
781			 */
782
783	iFrameResize({
784		log                     : true,                  // Enable console logging
785		inPageLinks             : true,
786		resizedCallback         : function(messageData){ // Callback fn when resize is received
787			$('p#callback').html(
788				'<b>Frame ID:</b> '    + messageData.iframe.id +
789				' <b>Height:</b> '     + messageData.height +
790				' <b>Width:</b> '      + messageData.width +
791				' <b>Event type:</b> ' + messageData.type
792			);
793		},
794		messageCallback         : function(messageData){ // Callback fn when message is received
795			$('p#callback').html(
796				'<b>Frame ID:</b> '    + messageData.iframe.id +
797				' <b>Message:</b> '    + messageData.message
798			);
799			alert(messageData.message);
800			document.getElementsByTagName('iframe')[0].iFrameResizer.sendMessage('Hello back from parent page');
801		},
802		closedCallback         : function(id){ // Callback fn when iFrame is closed
803			$('p#callback').html(
804				'<b>IFrame (</b>'    + id +
805				'<b>) removed from page.</b>'
806			);
807		}
808	});
809</script>
809
810</script>
810 </div> 
810<script>
811        // Cookie accepted script
812        var onCookieAccept = function () {
813            TrackingConsentManager.updateUserConsent(true);
814        };
815    </script>
815 
815<script defer="" type="text/javascript" src="https://cds-sdkcfg.onlineaccess1.com/common.js" async=""></script>
815 
815<script type="text/javascript">
816            window.addEventListener('scroll', function () {
817                if (window.innerWidth < 1200) {
818                    if (window.scrollY > 150) {
819                        document.querySelector('.btn-chat').classList.add("fade-in");
820                        document.querySelector('.btn-scroll-to-top').classList.add("fade-in");
821                    } else {
822                        document.querySelector('.btn-chat').classList.remove("fade-in");;
823                        document.querySelector('.btn-scroll-to-top').classList.remove("fade-in");;
824                    }
825                }
826            });
827        </script>
827 <app-speedbump return-text="Return" continue-text="Continue" default-message="The website you have selected is an external one located on another server. Advia Credit Union has no responsibility for any external website. It neither endorses the information, content, presentation, or accuracy nor makes any warranty, express or implied, regarding any external site. Privacy and security policies may differ from those practiced by Advia Credit Union." headline-message="You are about to leave adviacu.org." action-message="Are you sure you want to leave our website?" class="app-load-defer"> </app-speedbump> <div class="menu-overlay"></div> </body> </html>

Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.