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Navy
Financial Counselor
Fleet & Family Support Center
966 Franklin Avenue
Naval Air Station
Lemoore, CA 93246-5001
559-998-4042
619-753-3163
559-998-2960
559-998-4040
312-949-4042
312-949-4040
Contact information for key programs and services at this installation.
Resources are available to help you understand and manage your finances, including one-on-one financial counseling to assist you and your family with financial readiness. Services are designed to focus on money management issues throughout your active-duty lifecycle and into retirement. Financial readiness educational opportunities range from basic planning to long-term investing. Check out the information below to see what’s available at your installation.
Car-buying strategies
Don't let buying your dream car become a nightmare. There's a lot more to it than just kicking the tires and making an offer. Learn how to do your homework, how to get the best price, find the best deal on financing and what to do about your old car.
Consumer awareness
Which describes you best – savvy consumer, totally clueless or something in between? With so many offers, schemes and deals out there, we all need a good understanding of the risks, pitfalls and long-term damage that can come when we sign on the dotted line. Learn about making sound buying decisions, combating fraud and rip-offs, and your legal rights as a consumer. Learn of the dangers of identity theft, how to handle it and how to prevent it. When it comes to spending your hard-earned money, knowledge is power!
Credit management
Planning to buy a car, furniture, jewelry or other big-ticket item? How about those pre-approved credit card offers? Getting and keeping credit is just as important as getting a good price and good after-the-sale service. Learn about credit reports and credit scores, how to shop effectively for credit, and how to pay it off early.
Developing a spending plan
Wouldn't it be nice to know how much money you will have in your account the day before payday? Set some goals, learn how to make ends meet without resorting to credit cards and loans to meet your normal monthly expenses. You can live well on Navy pay!
Home buying 101
Buying a home is still the American dream. But do words like points, loan origination fee or escrow sound like a foreign language? Learn how to determine your price range, how to select a real estate agent and how to choose the best financing plan. Learn about the market in the area, Veterans Affairs home loan guarantee and CalVet options.
Saving and investing
Making money with your money can be a very confusing idea. With so many different services, products and potential risks facing the first-time investor, a basic understanding of the principles can be worth a lot of money. It's not hard to become a millionaire on military pay. Come and see how it's done!
Retirement planning
What will your retirement years be like? Will there be enough income to live comfortably? Research shows that you'll need more than just your military retirement and social security to get by. Learn how to make decisions now to ensure your retirement funding needs are met in the future.
Your insurance needs
This workshop will teach the differences between life insurance options, the need for renters insurance and how to shop for auto and basic insurance. Other topics include deductibles, how much insurance is needed and the elements of insurance.
Paying for college
Want to earn a degree? Think you can't afford it? Think it will take too long to get a degree with the Tuition Assistance Program? This workshop provides information on funding for higher education focusing on financial aid resources, college savings plans and tax incentives. Learn about financial aid and how to submit a Free Application for Federal Student Aid and scholarship information, including what’s required for local schools. Discover student loan options and learn more about TAP and the GI Bill®. Already thinking about putting your kids in college? Learn more about the 529 and Coverdell college savings accounts too. Cal Grant, offered by the California Student Aid Commission, and information tailored to the local area will be covered too.
Other classes can be scheduled and tailored upon request. For further information on financial assistance, please call the financial specialist at 559-998-4042 or DSN 312-949-4042.
Did you know 31% of enlisted personnel have problems paying bills compared to 13% for comparable civilians? In addition, 78% of U.S. Navy security clearance denials and revocations are due to poor financial management.
Money problems affect not only your life, they can affect the lives of many around you. If you have financial problems, your job performance and your personal life will suffer. Just the stress alone can be a lot on a person and facing the risk of losing your security clearance or losing orders overseas can be tough. All of these factors directly affect unit readiness. It does not have to happen. If you take control of your finances, develop a realistic plan and do not spend more than you make you can gain better control and freedom of your financial future. Sounds easy! However, we all know that we can spend money faster than we can make it and it's easy to find ourselves in financial trouble.
See your command financial specialist or stop by the Lemoore Fleet and Family Support Center to get financial information or make an appointment with a financial specialist to build a practical spending plan. The below information is provided to assist you with some financial planning prior to your arriving to Naval Air Station Lemoore:
Advance Pay and Allowances
You may draw up to three months advance pay during your next permanent change of station. This benefit is designed for those service members who anticipate extraordinary expenses due to relocation. It is highly recommended that service members use extreme caution if they take advantage of this benefit. If you are planning to take advanced pay, please remember repayments will be automatically withdrawn from the service member's pay monthly. Planning for this in advance will eliminate the possibility of financial hardship.
Temporary Living Expense
A maximum of 10 days of TLE is authorized when completing a PCS move in the continental U.S. and five days for moves outside the continental U.S. It is in your best interest to make temporary lodging arrangements as soon as possible due to seasonal tourist events and limited availability. Reservations at the Navy Lodge can be made up to one year in advance with orders. To do so, call 800-628-9466.
Housing Costs
The cost and amenities to rent in Kings County can range from $1200 to $1,852 per month depending on size and location. The median cost of purchasing a typical three-bedroom, two-bathroom house starts at $360,000.
Utility Costs
The monthly utility payments can range from $100 for electricity in the winter months and can cost from $200-plus in the summer months due to the extreme hot weather. Gas prices average $50 in the winter months and somewhat lower in the summer months. Some rentals include water, sewage, cable and garbage as part of the rental payment. However, some do not and the minimum service through Kings County could cost $150 to $200 every other month.
Car Insurance
The minimum car insurance requirement for California is liability with the following limits: $15,000/$30,000/$5,000. Make sure your current insurance is valid in California. Also, verify if you have roadside assistance in the event of an emergency. If not, you may want to consider subscribing to American Automobile Association.
Payday Loans
Payday lending (sometimes called a cash advance) is the practice of using a post-dated check or electronic checking account information as collateral for a short-term loan. Most borrowers don't realize the cost involved with a payday loan. Interest rates on these loans can be anywhere from 400% up to 1,800%.
As of Oct. 1, 2007, and amended in 2015 congress passed a law (the Military Lending Act) capping payday loans, refund anticipation loans and vehicle title loans at 36% for military and their dependents, which is still too high. You should know that the Navy Marine Corps Relief Society offers 0% loans. It's 100% confidential and you will be a lot better off in the long run.
The Command Financial Specialist is a Military member who has been appointed by the commanding officer to provide financial education and training, counseling and information referral at the command level. Command Financial Specialists are trained to establish, organize and administer the command's personal financial management program. The CFS should be the first stop for the service member who has questions or issues about financial readiness.
NAS Lemoore does not have an American Red Cross Office located on base.
The American Red Cross offers confidential services to all members of the military, veterans, and their families by connecting them with local, state and national resources through our network of chapters in communities across the United States and offices on military installations worldwide.
Local Red Cross offices develop and maintain relationships with key community partners. Military families rely on the Red Cross to help them identify their needs and connect them to the most appropriate Red Cross and community resources. This key Red Cross service ranges from responding to emergency needs for food, clothing, and shelter, referrals to counseling services (e.g., financial, legal, mental health), respite care for caregivers and other resources that meet the unique needs of local military members, veterans and their families.
How to Contact the Red Cross for Assistance
The American Red Cross Emergency Communications Center is available to help 7 days a week 24 hours a day 365 days a year. Call 877-272-7337 toll-free.
If your family needs emergency assistance, you can submit a request online or call the American Red Cross at 877-272-7337
The Navy-Marine Corps Relief Society (NMCRS) is a world-wide nonprofit charitable organization designed to provide financial, educational, and other assistance to the members of the Naval or Marine Services of the United States, eligible family members and survivors when in need.
What the Society offers: 822 Hancock Circle, Lemoore, CA 93245. Monday through Friday 8:30 a.m. to 4:00 p.m. Phone: 559-998-4045
Thrift Shop: 860 Franklin Ave., Lemoore, CA 93246
Tuesday, 10 a.m. to 1 p.m. and Thursday 4 p.m. to 6 p.m. Call 559-998-4045 for availability.<
Visit NMCRS Thrift Shop to get great prices on clothing, uniforms, and household goods. Stretch your budget with gently used items that cost much less than the same items that are brand new. Thrift shops are a great place to get temporary or permanent items if you’ve just moved, or if you’re replacing items lost in a fire or natural disaster.
Volunteers have been the backbone of the Navy-Marine Corps Relief Society for more than 100 years. They make up more than 90 percent of our workforce. Volunteers make it possible for our donated funds to directly assist Sailors, Marines, and their families. Make a difference and be a Society Volunteer (reimbursement for mileage and child care).
Call our office or check out our links below for more information.
NMCRS Website
Find us on Facebook
To prevent unexpected and unwanted medical expenses, consult either the TRICARE service office or Military OneSource to verify who in the area accepts TRICARE. You can do this even before you leave, then keep the information with you in the event you should need medical care during your travel.
Navy-Marine Corps Relief Society
The Navy-Marine Corps Relief Society helps with meeting urgent financial needs though an interest-free loan or grant. By providing financial counseling, it will also help you plan for better financial stability. From everyday bills to unexpected expenses, our caseworkers are ready to help. If you’re approved for a loan or grant, you’ll get funds right away. There’s no application fee and the appointment is free. If you need $500 or less, you may be eligible for a Quick Assist Loans. NMCRS Lemoore is located in Building 822, Hancock Circle, or call 559-998-4045.
American Red Cross
Naval Air Station Lemoore does not have an American Red Cross office located on base. The Red Cross can be a great resource for obtaining the necessary paperwork in the event of a death in the family and you are requesting emergency leave. To obtain assistance, call the national ARC toll-free at 877-272-7337.
Volunteer Income Tax Assistance
The Volunteer Income Tax Assistance program offers free tax help to people who generally make $55,000 or less, persons with disabilities and limited-English speaking taxpayers who need help preparing their own tax returns. Internal Revenue Service-certified volunteers provide free basic income tax return preparation with electronic filing to qualified individuals. The VITA office is located at Building 730, Wing 3, January-April. Contact VITA at 559-998-2800.
For life-threatening emergencies, call 911.
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