Author Archives: Emily Nickerson

Vacations: Save Before You Set Sail

Sailboat

Your mind wanders to crisp-blue skies and romantic sunsets, salty ocean breezes, and sand between your toes. Then your telephone rings and you snap back to reality. There are no blue skies or ocean breezes, just your computer monitor staring you down. Do you need a vacation? Budgets are tight, but with some disciplined planning and money-saving tricks, that dream vacation can become a reality. Be careful with plastic. Don’t finance your entire vacation on your credit card. That doesn’t mean it’s off limits, but relying solely on plastic will only lead to stress and heavy interest charges down the road. Save, save, save. Try to set aside some of every paycheck in a special savings account. Decide how much you want to have on hand to start your trip. Divide that total by the number of paychecks until vacation, then save that amount in your vacation account. If you … …continue

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What to Expect When You’re Buying a House

For Sale

Looking for your first – or next – home? You probably have many questions. How do you find the right house at the right price? What’s involved in making an offer? How do you apply for mortgage? Knowing what’s involved in the process and having someone you trust to guide you takes away the stress. This infographic gives you a detailed overview of what to expect. Have more questions? Our mortgage loan officers are here with answers. Give us a call at 800.991.2221.                                        

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March 25 Ask Tim Anything: ConnectU Facebook Chat on Loans

Consumers ConnectU - Tim

As part of our Consumers ConnectU financial education series, Tim Kosak, our Consumer Lending Manager, will be taking your questions about loans on our Facebook page on Tuesday, March 25 from noon to 1 pm. Do you want to know what to expect when applying for a loan? The difference between secured and unsecured loans? Bring your questions! We’ll start the discussion with a post on our Facebook page. Comment on it with your questions, and Tim will respond as questions come in. Please remember that Facebook is a public forum. For your security and privacy, we ask that you never disclose any personal banking information online. Certain questions may require us to refer you to our Member Service Center for personal attention offline. If you have a question about your accounts with Consumers, please call us at 800.991.2221 for assistance.

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Research, Plan and Budget for That Special Vacation

Vacation Time

There are myriad ways to vacation, so to make the best use of your precious time and dollars, plan ahead. Start by deciding what you can afford, and then figure out what you want from the vacation. Do you want total relaxation? Intense sightseeing? Adventure? Something else? Then research likely destinations. You can do your own online research or try one-stop travel sites like Expedia.com, Travelocity.com, or Orbitz.com. You may consider consulting a professional travel agent. There’s no charge to you, and it could save significant time. If you do, make sure the agent is reputable. Ask family and friends for recommendations, and find out how long the agency’s been in business. After determining your ideal destination, consider these tips to get the most for your money: * Book your flight and hotel together as a package. The rates often are lower. * Search for airfare sales on Tuesday evenings … …continue

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You’re Invited! Complimentary Retirement Income Planning Seminar on March 19

Mike Smeenge

Are you interested in rolling over an investment account? Do you have questions regarding your current or future investments or retirement planning? On Wednesday, March 19, 2014, Consumers Credit Union’s Riley office is hosting a complimentary Retirement Income Planning Seminar at 6:00 pm to help you think through the above questions. This seminar will be presented by Mike Smeenge, a CFS* Financial Advisor at Consumers Credit Union. With a background in business and finance and a solid commitment to the financial well-being of each member, Mike is ready to help with retirement planning, educational planning, and investment management. To reserve your seat for this educational seminar, please register here. *Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the … …continue

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How Low Can You Go?

Black Credit Card - enlarged

How about zero? Take advantage of 0% APR* on all purchases and balance transfers made through March 31, 2014! After that, your standard variable APR of 8.99% – 22.99%, depending on your credit history, will apply. Save even more with no balance transfer fee! Don’t have a credit card at Consumers? Apply today and start saving. Call 800.991.2221 or stop in to get started. *APR = Annual Percentage Rate. Promotional 0% APR available for balance transfers and purchases made through March 31, 2014. The 0% APR is good for 6 billing periods from the date of the first purchase or balance transfer. Balance transfers will be processed as cash transactions and at the end of this promotional period, if a balance remains, will be subject to daily finance charges at your standard APR. The minimum payment will be applied to lowest rate balances first, while all payments exceeding the minimum … …continue

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Consumers Credit Union Hosting March 18 Career Fair in Grand Rapids

Photo Credit: Erik Holladay

Discover a career with Consumers Credit Union at our upcoming Career Fair. We are pleased to announce the building of two new locations in Grand Rapids in 2014 and are looking for the right individuals to join our team. Consumers is currently hiring for Office Managers and Member Service Representatives. To learn more, bring your resume, references, and questions out to our Career Fair. Dress for an interview. When: March 18, 2014 12 pm-6 pm Where: Cornerstone University, 300 E Beltline Ave NE Details on our open positions are also available online at ConsumersCU.org/Careers. You’ll love your job at Consumers Credit Union, a 2013 National Best and Brightest Companies to Work For Winner, named Michigan’s Healthiest Employer by Crain’s Detroit Business and MiBiz.

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Préstamos para Emergencias y Oportunidades

Breakdown iStock_000012922504Small

Los préstamos personales se destinan para aquellos gastos que llegan sin avisar. Puede ser el costo de la máquina del auto que se averío en la autopista o un gasto de viaje cuando surge de repente, pero es necesario Puede que haga buen uso de su dinero y aún así experimente un evento ocasional que afecte sus planes. Por ejemplo la lavadora que iba a durar 20 años…a veces se daña prematuramente y ya no cuenta con una garantía. A veces la vida presenta oportunidades demasiado buenas como para desperdiciarlas—muy buenas aunque no estén en su presupuesto en el momento. Los préstamos personales, son, pues, personales. He aquí algunos gastos que un préstamo personal pueda que cubra: • Servicios para la adopción • Tratamientos de infertilidad • Joyería • Instrumentos musicales • Cirugía electiva • Cirugía plástica electiva • Ortodoncia • Borrar un tatuaje • Proyectos de remodelación • Funerales … …continue

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Tired of Working 9 to 5? Take the Night Off with WMU Theatre!

9 to 5

Indulge yourself in the songs of Dolly Parton with the hilarious musical hit 9 to 5 presented by WMU Theatre and sponsored by Consumers Credit Union. As a Consumers member, you receive a 10% discount on all shows presented during the 2013-2014 season. Just show your Consumers debit or credit card or other proof of membership at the box office. Or purchase a discounted season pass for just $95 (regularly $122). Show Times March 13, 14, 15, 20, 21, 22 at 8 pm March 23 at 2 pm Learn more on The University Theatre’s website.

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Last Call for Dollars for Scholars Applications!

2013 Dollars for Scholars Winners

Calling all graduating high school seniors! Applications for our 2014 Dollars for Scholars Scholarship Program are due Saturday, March 15. Apply online today! In 2014, we will be awarding 20 scholarships of $1,000 and an iPad to Consumers Credit Union members who are graduating high school seniors. We’re proud to offer assistance to our members as they further their education! Consumers Credit Union’s Dollars for Scholars Scholarship Program has been helping student members achieve their dreams of attending college for over 20 years. More than 70 scholarships have been awarded since the program’s inception.  

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