A+ YOU

In this episode of the A Plus You Podcast, Danielle and Amber sit down with Senior Product Manager Marissa Pedginski to introduce Affinity Plus Federal Credit Union’s BundleUp Checking—a new account designed to bring more value, convenience, and everyday support to members. 

Instead of a traditional checking account, BundleUp Checking offers a bundle of benefits all in one place for a low monthly cost. The team breaks down standout features like:

• Telehealth access with zero co-pay, including medical and mental health support for you and your family
• Cell phone protection covering up to four devices on your plan
• Roadside assistance to quickly connect you with help when you need it most
• Identity theft protection with dark web monitoring, alerts, and recovery support
• Travel, dining, and entertainment discounts both locally and nationwide 
• You’ll also learn how easy it is to access these benefits directly through the Affinity Plus digital banking app, making it simple to get support anytime, anywhere
• Beyond BundleUp Checking, the episode highlights other account options like Simply Free Checking and the Spending Account, helping you choose the best fit based on your financial needs—from no monthly fees to added budgeting guardrails. 
• Plus, there’s a bigger impact: a portion of each BundleUp Checking subscription helps support local communities through the Affinity Plus Foundation. 
• If you’re looking for a checking account that goes beyond the basics and supports your everyday life, this episode gives you a full breakdown of how BundleUp Checking delivers real value.

Affinity Plus Federal Credit Union - federally insured by the NCUA

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 partnerships
• The wide‑ranging tools available in the Affinity Plus Financial Education Center, including budgeting modules, career exploration tools, and self‑paced courses
• Real‑life impact stories—like a recent housing success that shows how financial education and community resources can literally open doors
• The emotional side of money, and how learning builds confidence, agency, and empowerment at any age

Whether 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 help

Sarah 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 year
• Common red flags—from moving too fast emotionally to asking for secrecy
• How scammers use emotional connection to manipulate victims
• Real examples of the tactics fraud networks use (including money‑mule schemes)
• Why anyone can fall victim, regardless of age, education, or experience
• How to protect yourself and your loved ones online
• How Affinity Plus monitors accounts and supports victims without judgment

This 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 confidence
• Building a budget that reflects real life (not perfection)
• Using automation for bills, savings, and loan payments
• Preparing for seasonal expenses and building an emergency fund
• Understanding the emotional side of money and breaking unhelpful habits

Jamy 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 debunked
• Rewards vs. non-rewards cards
• Fraud prevention and security tips
• Digital payment evolution
• How to spot legitimate alerts vs. scams

Learn more at affinityplus.org

Affinity 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 competition
• The amazing "26 Weeks of Giving" initiative supporting inclusion-focused organizations statewide
• Volunteer 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 best
• Danielle'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 sponsorship

Connect with Special Olympics Minnesota: specialolympicsminnesota.org Learn more about Affinity Plus: affinityplus.org

Affinity Plus Federal Credit Union - federally insured by the NCUA

Get ready for a role reversal! In this special episode, KDWB radio hosts Falen and Colt flip the script and become our guest hosts, bringing real financial questions from their listeners to Affinity Plus experts Danielle and Amber.

From "what happens if I don't pay back a personal loan?" to "how do I invest an $800K settlement?" - no question is off limits. We dive deep into student loan strategies, retirement account confusion (401k vs. IRA vs. Roth IRA), and the age-old dilemma of how much to save each month.

Falen and Colt bring their signature humor and relatability to personal finance, sharing their own struggles with money management and their hopes for setting up their kids for success. Plus, hear Amber explain her genius multiple savings accounts system and why finding the right financial advisor is like finding the right therapist.

This episode proves that financial literacy doesn't have to be boring or intimidating. Whether you're drowning in debt, sitting on savings, or somewhere in between, you'll find practical advice you can actually use.

Topics covered: 

• Personal loan defaults and consequences • Student loans: private vs. government options
 • Investment strategies for large settlements • Saving for your children's future (529 vs. UTMA accounts) 

• How much income should go to savings • Retirement accounts explained simply 

• Finding the right financial advisor

Got a financial question? We'd love to hear it! Connect with us at AffinityPlus.org.

Affinity Plus Federal Credit Union - federally insured by the NCUA