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Navy
Financial Counselor
Fleet & Family Support Center
966 Franklin Avenue
Naval Air Station
Lemoore, CA 93246-5001
559-998-1837
619-753-3163
559-998-4042
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.
One-on-One appointments and other classes can be scheduled and tailored upon request. For further information on financial assistance, please call the financial specialist at 559-998-1837.
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 (CFS) is a military member who has been appointed by their commanding officer to provide financial education, training, counseling, and information referral at the command level.
CFSs are trained to:
The CFS should be the first stop for a service member who has questions or concerns about their 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. This includes support through their network of chapters in communities across the United States and military installations worldwide.
Local Red Cross offices:
Red Cross services include:
How to Contact the Red Cross for Assistance The American Red Cross Emergency Communications Center is available 24/7, 365 days a year.
Call 877-272-7337 (toll-free) or submit a request online if your family needs emergency assistance.
The Navy-Marine Corps Relief Society (NMCRS) is a worldwide nonprofit organization that offers financial, educational, and other assistance to eligible members of the Naval or Marine Services, their families, and survivors.
Office Location 822 Hancock Circle, Lemoore, CA 93245
Services Include:
Thrift Shop 860 Franklin Ave., Lemoore, CA 93246
The NMCRS Thrift Shop offers quality secondhand items at affordable prices, including uniforms, clothing, and household goods. It’s a great resource for newly relocated families or those recovering from a crisis.
Volunteer Opportunities Volunteers are the backbone of NMCRS, making up over 90% of its workforce. Volunteering is a meaningful way to give back to the community—with mileage and childcare reimbursement available.
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.
For life-threatening emergencies, call 911.