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We are available 24/7 at (413) 236-4000

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Young Adults

There is no time like now to get started on building your financial future!

Plan & Pay For College

There's tuition. Add to that books, room & board, lab fees, and supplies. Making a plan to finance college education can seem daunting at first. Greylock can help clarify your financing options and connect you with resources to get you headed full-speed into your future.

Here's how we can help

Greylock Federal has partnered with CU Student HELP to offer college planning services available through Collegiate Funding Solutions. There are two different prices for college - one for the informed buyer and one for the uninformed. Which price will you pay? Our mission is to help you save on your out-of-pocket college costs. 

Start your journey

College planning, student loans and refinancing, all available from your trusted partner, Greylock.

Explore college payment options

Buy a Car

Whether you need to get to school on time, ensure transportation to and from work, or help cut emissions, your vehicle is a big investment. Greylock can help you learn about auto costs, financing options, how to protect the value of your vehicle and negotiation techniques.

Looking for a new or used vehicle? As a Greylock member, you have access to deals and resources that other buyers don't—no matter how you roll.

Questions to Ask Before You Buy a Car
Do a little homework before you dive behind the wheel for a test drive, and you'll narrow your options to the cars you love and can afford.

8 Tips for Negotiating Your Car Purchase
Learn how to stay focused, who to talk to, and when to bend in this helpful article about getting the right price for your dream vehicle.

Know what you are getting into
Research a used car's history before you buy.

Greylock has auto loan options to fit your needs.

Car Loan Options
An auto loan is debt you'll likely be carrying around for 3 to 5 years, so take the time to find the loan that's right for you.

What Kind of Car Can You Afford?
You'll motor longer when you're prepared to cover the expenses that are a normal part of auto ownership.

Greylock Auto Loans

Gain Independence

When you move out or start to pay your own way in life, you naturally gain a bit of independence. But it doesn't mean you're on your own. Greylock is here to help with great guidance and online resources about how you can live, spend and save responsibly.

  • Do you spend more than you earn?

    Don't get into debt. Find out how to curb your expenses while socking away savings every month.

    Find a Checking Account
    When you shop for a checking account you want to select one that meets your needs and minimizes costs. Here's what to look for:

    • Free checking – Make sure it's really free!
    • Round Up checking - save while you spend!
    • Get overdraft protection or a Line of Credit to avoid returned check costs.
    • Free Online banking so you can review your accounts anytime you want.

    Pay Yourself First!
    Saving can be easy when it's seamless. The best way to get started is to set up an automatic withdrawal from your account and have it deposited directly into your retirement account. Figure out the amount that works best for your budget. Once you get everything set up, it's automatically done each month without you having to think about it. And you'll be pleased when you receive your statements and see how much you've saved!

    Save with CDs
    Admit it. A music CD is more exciting to buy than a Certificate of Deposit (CD). But, the great thing about a money CD is that you will earn interest with it. CD accounts earn higher rates than savings accounts because you agree to keep the money in the account for a specified period of time, such as 12 months. The longer term CD you choose, the higher the interest rate and the more money you make! Learn more about CDs.

    Save with IRAs
    Save for retirement now? It may seem like a crazy idea when you are young, but saving for retirement now makes the most sense. Starting an IRA at 18 gives you the best opportunity to earn more for later. With an IRA, you earn great interest, but even better, the interest you earn pays you even more money on top of that–that's called compounding interest! Start saving now to have what you need when you are ready to retire. Learn more about IRAs.

    A credit union is the perfect place to start building your own savings. And if you're ready to stop paying rent and start owning your own home, we're here to help first-time homeowners, too.

  • It's not too early to start investing

    The earlier you start investing for your retirement, the sooner you'll have the security to know your golden years won't be made of aluminum.

    Early Start on Saving Makes Comfortable Retirement a Reality
    When you picture your retirement, are you working in a fast food restaurant? If your future includes travel, hobbies, movies and time with friends and family, then you better start preparing today!*

    Which Retirement Accounts Are Right for You?
    There's no one-size-fits-all retirement account. Narrowing your choices down requires knowing something about all your options.

    How to Retire Early
    Here's how to design an early retirement plan if you want to get out on the golf course before your hair turns gray.

    Learn more about IRAs

    Learn more about CDs

    What's a 401K?

    A 401k is another great way to save for retirement. Some employers offer 401K plans that you can contribute to. You generally need to work at least a year at a company to be "vested” for employer contribution. When you are eligible, some employers will "match” what you contribute into your 401k, up to a certain amount or percentage. Now, that's wise investing.

  • A bad credit record can get in the way of a lot.

    At your age, you can take steps to ensure you establish a good credit history. Learn how to check your credit report and how to take action when needed to build a better credit score.

    Get Your Free Credit Report
    Order your free annual credit report online or call 877-322-8228. Maintaining good credit is important to getting ahead in life. What appears on your credit report affects whether you can get a credit card, a loan for a car or home, rent an apartment, buy insurance and even be selected for a job. Getting a copy of your credit report gives you a clear picture of what creditors see when accessing your credit. It will also help you identify and dispute credit discrepancies and can help guard against identify theft.

    Greylock Credit Cards:
    You'll discover the benefits of low rates only credit unions can offer, great rewards, and the added value of working with a financial institution you can trust.