Author Archives: Emily Nickerson

Como lograr que se le apruebe su préstamo para vivienda

Couple using a tablet computer

Para cualquier persona que haya soñado con tener su casa propia, la frase “su préstamo ha sido negado” puede sonar como el fin del mundo. Es muy fácil rendirse, especialmente si usted tiene deudas y vive de un sueldo modesto. Pero un poco de paciencia y trabajo duro pueden convertir su casa soñada en una realidad. La mejor estrategia es hacer una cita con un oficial de préstamos de su credit union y aprender el proceso para obtener un préstamo para vivienda antes de empezar a buscar la casa. La manera como los prestamistas examinan las solicitudes de préstamos es decidiendo si son o no buenos riesgos de crédito. En otras palabras, ¿podrá el candidato cumplir con sus obligaciones de la deuda o se atrasará en sus pagos y eventualmente no pagará? Los factores que pueden influenciar de manera negativa una solicitud para un préstamo de vivienda incluyen un porcentaje … …continue

Leave a comment

Walk MS: Each Step Closer to a World Free of MS

Walk MS copy

Consumers Credit Union has supported the National Multiple Sclerosis Society’s Walk MS for over eleven years. Multiple sclerosis is a chronic, often disabling, disease that attacks the central nervous system and affects over two million Americans. Funds raised in the event support research for a cure and help address the challenges of everyone affected by MS. This year’s Walk MS will be held May 3 and start at the Kalamazoo Institute of Arts. 2014 marks Consumers’ sixth year as the Kalamazoo site sponsor. “We are privileged to continue our long commitment of contribution to the MS Society in their mission to provide support, advocacy, and research for those affected by MS,” says Jeff Visser, Sales and Service Manager, who chairs our Walk MS Committee. Last year, our Walk MS team, made up of 13 employees and 19 friends and family members, raised over $6,000 for the cause. Join us in … …continue

Leave a comment

So Much Family Fun, So Little Money

Family on dock

A lot has changed in the world of kid-friendly, affordable vacations. Today, there are boundless ways families can vacation together at reasonable rates. A growing number of airlines, resorts, cruise lines, theme parks, entertainment centers, restaurants, and sports facilities have responded with discounts to attract families. Here are a few tips to consider. Travel off-season, and you may cut the cost of your trip in half. The best deals usually are at outdoor oriented destinations like ski resorts during the months of November and April and national parks in late fall or early spring. Don’t forget about using frequent flyer miles for free family travel. Did you know most airlines offer half-price seats for children younger than two? You may be able to use an unsold (free) seat for your toddler if you book your flight during an off-peak time, when the flight is less apt to be full. How … …continue

Leave a comment

Consumers Credit Union Introduces 2014 Board of Directors at 63rd Annual Meeting

Rod Adams and Brent Bassett were each re-elected to serve three year terms on the board.

Consumers Credit Union held its 63rd Annual Meeting on Monday, March 24, 2014 at its Stadium Drive Office in Kalamazoo, MI. At the meeting, the 2014 Board of Directors was introduced, including: Brad Lawton, Chairperson Rod Adams, Vice-Chair Patrick O’Connor, Secretary Kim Shook, Treasurer Brent Bassett, Director Kevin McPherson, Director Nick Zafer, Associate Director   Rod Adams and Brent Bassett were each re-elected to serve three year terms on the board. Rod Adams joined the Consumers Credit Union Board in 1979 and enjoys being a part of the credit union’s continued growth. He served as Chairman from 2004 to 2011 and is currently Vice-Chair. Rod retired from Consumers Energy in 2002 after 42 years of service. He and his wife, Char, have 5 children and enjoy traveling, golf and swimming in their pool with their grandchildren and great-granchildren. Brent Bassett has been a Director on the Board since 2010. He … …continue

Leave a comment

Consumers Credit Union Protected Against “Heartbleed” Bug

Computer Security

Consumers Credit Union has diligently investigated the recent OpenSSL vulnerability known as “Heartbleed,” which has affected many popular websites and services. Protecting your personal and financial information is one of our top priorities every day. Our technology team has confirmed that our servers were not susceptible to this vulnerability. We have also received responses from our major partners that they have taken measures to ensure that their systems are secure. For security, we recommend that members periodically change their passwords to all online accounts and use a unique password for each site, especially in light of the large number of popular websites potentially affected by this particular flaw. More information on the Heartbleed bug is available here.

Leave a comment

Las tasas sobre hipotecas todavía son muy buenas

Keys to House iStock_000020391690Small

¡Las tasas hipotecarias están subiendo! ¡Y se nos cae el cielo! Ciertos titulares recientes en las noticias nos hacen creer que las tasas de interés están aumentando y la bonanza ha terminado. Mantengamos la perspectiva—las tasas de interés todavía son excelentes y deben mantenerse de esa forma por muchos meses. El Wall Street Journal es de la opinión que aunque las tasas estén al 5%, las viviendas todavía son asequibles con base a medidas históricas. A principio de los 80s los consumidores pagaban hasta el 18% de interés al comprar una casa—algo que no se puede ni imaginar hoy día. Hay tres clases de consumidores que están prestando atención a la actividad de las tasas: vendedores de casas, compradores de casas y aquellos que quieren refinanciar la hipoteca existente. Hay buenas noticias para todos ellos a pesar de las subidas en las tasas. Los vendedores temen la estampida de los … …continue

Leave a comment

It’s Been Smooth Sailing

Kelsey-E-9690

When you buy your first home, you’re likely experiencing a mixture of emotions. The excitement you feel as you picture what your life would look like in the homes you tour mixes with the concern that you choose just the right one. After all, you’re probably making the biggest purchase of your life so far! Member Kelsey E. and her husband recently purchased their first home after applying online for a mortgage pre-approval with Consumers. She says, “It was agonizing going up against three other buyers, but our offer won!” Kelsey’s convinced that having the pre-approval in hand when presenting their offer played a role in the sellers’ decision. Kelsey also appreciated the personal attention they received throughout the mortgage application process. “Brad emailed me all the time to make sure everything was good. It was reassuring and comforting.” “It’s been smooth sailing,” she adds. “We’re in our new house. … …continue

Leave a comment

Your Financial To-Dos

Antwan_B_9668

Consumers Credit Union wants you to find financial success—without the stress. That’s why we’re bringing you our monthly list of financial to-dos. Just complete these tasks to stay on top of your finances all year long. April: File your taxes (if you haven’t already). Don’t forget that Consumers members can take advantage of a discount on TurboTax federal products! Visit ConsumersCU.org/MemberBenefits/Discounts. May: Plan your home maintenance and repairs. If you need to replace your roof, have been meaning to improve your home’s energy efficiency, or want to add a deck for summer fun, now’s the time to explore your financing options and set your budget. June: Time for a summer getaway! If you haven’t already made your vacation plans, keep an eye out for last minute deals—and make sure your car is in shape for your road trip! Follow us on Facebook and Twitter for reminders and encouragement to complete … …continue

Leave a comment

Cruise for a Bargain

Cruise iStock_000016617793Small

Cruise prices dropped during the recession, but have since been edging back up. If you didn’t jump on board with cruise line rock bottom prices, you still can find a good deal by comparison shopping. There’s great variation in pricing, so you have to do some research to get the best deal, and to find the cruise that’s right for you. You can research cruise options at sites such as Cruisemates.com or AllThingsCruise.com. Mainstream cruise lines that have very large ships that carry thousands of passengers are the least expensive. If you’re a first-time cruiser, you may want to try one of these. You also can find deals on upscale cruise lines. These usually come in the form of incentives like free airfare and shore excursions, complimentary liquor, or cabin credits to use for onboard services. Your cruise fare covers food, accommodations, entertainment, and port of call destinations. Once you’re … …continue

Leave a comment

Consumers Credit Union Named to “101 Best and Brightest Companies to Work For”

Consumers CU  Relay for Life

Consumers Credit Union is proud to once again receive the honor of being named one of “West Michigan’s 101 Best and Brightest Companies to Work For” by the Michigan Business and Professional Association (MBPA). In 2013, the credit union was recognized with both the regional and the national “101 Best and Brightest” awards. This year’s honorees represent many industries as diverse as automotive, insurance, hospitality, communications, and nonprofit. All will be honored on Thursday, May 8 at the MBPA’s annual symposium and awards program. “The selection, recognition and awarding of this year’s Best and Brightest companies allows our organization to showcase their best practices. The honorees have clearly demonstrated why each of them would be an ideal place for employees to work,” says Jennifer Kluge, MBPA President. “The companies that we are recognizing this year are an example of exceptional human resource practices and represent high standards in today’s economic … …continue

Leave a comment