Wouldn't it be awesome to have your own car?  The following six steps could help you slip into the driver's seat.

• Park some cash for a down payment.  Every dollar counts.  Buying less CD  or pair of shoes at the mall puts you closer to getting behind the wheel.  Sock money away in your share account at the credit union and you won't be tempted to spend it.
  
  
• Drive carefully.  Maintaining a good driving record shows that you can handle the responsibility of owning a car.
  
  
• Get good grades.  Many insurance companies offer good student discounts to students who have a "B" or better grade point average.
  
  
• Do your car homework.  Research different makes and models.  Which ones get better gas mileage?  Which ones are more reliable?  Safer?  How much do they cost?  Figure out what your total costs will be including your car payment, insurance gas, and maintenance.
  
  
• Take some test drives.  Then ask you parents/guardian for help with your final decision. Roll by the credit union.  Find out what the interest rates are and how to qualify for a car loan.
  
  

Turn to OECU when you're ready to purchase your first car. Our 16- and 17-year old members learn financial responsibility by making payments toward their own vehicle with a parent or guardian as a co-signer.