Author Archives: Emily Nickerson

June 4 Ask Tim Anything: ConnectU Facebook Chat

Consumers ConnectU - Tim

As part of our Consumers ConnectU financial education series, Tim Kosak, our Consumer Lending Manager, will be taking your money management questions on our Facebook page on Wednesday, June 4 from noon to 1 pm. Do you want tips on making a realistic budget—and actually sticking with it? Strategies for starting an emergency fund? A better understanding of what your credit score is and how you can improve it? 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 … …continue

Leave a comment

Joven o mayor: Ayúdele a sus familiares tomar buenas decisiones sobre su automóvil

Teen Driver

Los jóvenes y ciudadanos de la tercera edad tienen algo en común cuando eligen un auto: no siempre toman la mejor decisión. Los jóvenes quieren autos de último modelo, rápidos, pero lo que necesitan son automóviles con potencia moderada y con buenos sistemas de seguridad. Las personas de edad avanzada tienen otras dificultades, pero tal como los jóvenes, necesitan mayor información para hacer su decisión. Muchos ciudadanos de la tercera edad no saben que existen marcas y modelos nuevos que pueden satisfacer sus necesidades. ¿Está pensando en el primer auto de su adolescente? Un problema común es el pensar: “¿Por qué no le doy a mi hijo el auto más grande—esos de por sí son más seguros?” Es una equivocación. Entre más grande sea el auto, puede ser más difícil de controlar y los adolescentes son las personas con menos experiencia de manejo. Es mejor darles un automóvil que sea … …continue

Leave a comment

Relationship Manager Business Services, Eric Stoll, to Compete in Ministry with Community’s Chefs Against Hunger

Eric Stoll
Relationship Manager
Business Services

On Thursday, June 5th, Eric Stoll, Relationship Manager Business Services at Consumers Credit Union, will be competing as a Sous Chef in Ministry with Community (MwC)’s 8th Annual Chefs Against Hunger at Cityscape in downtown Kalamazoo. The event brings together ten Executive Chefs from local restaurants to create three-course meals using ingredients from MwC’s own pantry with the assistance of a Sous Chef. To participate in the event, chefs collect sponsorships to support Ministry with Community, Kalamazoo’s only daytime resource center and shelter. The organization provides food, shelter, and fundamental services to Kalamazoo residents challenged with poverty, homelessness, substance abuse recovery, and mental illness. In 2013, MwC served 120,000 meals to their members, the individuals that they serve. Chefs Against Hunger highlights the challenges that MwC’s kitchen faces each day when preparing delicious, nutritious meals while relying on food donations—sometimes without staple ingredients like eggs, milk, or butter—for over 300 … …continue

Leave a comment

Is Refinancing Right For You?

Couple argue about money

The information in this post is provided by our partner Accel Financial Counseling. Accel’s counseling services and educational programs are available free to all Consumers members. When you are considering refinancing, the first question to ask is why am I doing this? Lower Interest Rates In the best scenario, refinancing your current mortgage with a lower interest rate mortgage loan can lead to a lower monthly mortgage payment and increased cash flow. You can use the extra cash to pay down debt or save more. You’ll have to pay closing costs when you refinance so you have to consider if you will live in the house long enough to recoup those costs. Let’s say that your closing costs are $2,400 and your new monthly mortgage payment after refinancing is $100 less than your current mortgage payment. You would need to live in the house for at least 24 months, or … …continue

Leave a comment

Congratulations, Graduates! What’s Next?

Graduate

Caps, gowns, and diplomas. Pomp and Circumstance. Memories of good times with friends and classmates mingling with dreams for the future. It’s graduation season! Consumers Credit Union would like to congratulate our many members graduating from high school over the next few weeks. You’ve worked hard, and it’s paying off. We’re proud of you and wish you all the best as you pursue your next steps! As you enter the next phase of your life, whether it’s college or career, we’re here for you. Our Seriously Free Checking and debit card are ready to go wherever you do with no minimum balance requirement or monthly service charge. Mobile Banking and TextBanking put your money right at your fingertips for account management on the go. And Online Banking makes it easy to transfer money to and from other Consumers members and outside financial institutions, i.e. Mom and Dad. Have questions about … …continue

Leave a comment

Tour de Taylor: Cycling for Make-A-Wish

Ron Martin, John Marshall, Scott Sylvester, and Scott Dobson represent TEAM Consumers on Team Taylor

Grab your bike and ride for a great cause at this year’s Tour de Taylor. The event honors the life and giving spirit of Taylor Grainger, who passed away of cardiac arrest in 2007 at age 14. Funds raised go to the Make-A-Wish Foundation of Michigan so that sick kids and families may enjoy some “Wish” time. Since 2008, Team Taylor has grown from seven cyclists to over 120 and has donated over $1 million to Make-A-Wish—that’s enough for 120 Wish Trips for sick kids and their families! In addition, Team Taylor has granted the wishes of seven local children and their families. Consumers has been a proud supporter of the Tour de Taylor’s annual fundraising efforts for the Make-A-Wish Foundation of Michigan for five years. Join us for a beautiful tour through Southwest Michigan on Saturday, June 14, 2014. Pre-register online at www.TourdeTaylor.org by May 29 to receive a … …continue

Leave a comment

Los peores errores al comprar un automóvil

Family going on road trip

¿Cuánto cree usted que una persona informada puede ahorrar al comprar un automóvil en comparación con una persona sin ninguna información? ¿Cinco mil dólares llaman su atención? Un “video escondido” en una agencia de automóviles demostró que los consumidores pagaron esa exorbitante diferencia en el mismo automóvil. Y usted se preguntará ¿Cuál es la diferencia en los clientes? Una pareja cometió el “grave error” que mencionamos en este articulo; la otra, no. Probablemente no llegue a ahorrar $5,000 pero se ahorrará muchísimo si evita estos errores clásicos al comprar un automóvil. 1. Mostrar entusiasmo. Si luce emocionado, los vendedores sabrán que tienen un producto único en el cual usted esta interesado. El precio sube inmediatamente. Reserva su entusiasmo hasta que ya esté manejando su automóvil camino a su casa. No les demuestre lo mucho que le gusta el automóvil. 2. Comprar de afán. Si usted compra en su primera visita … …continue

Leave a comment

Go Green! Win Green! Enroll in eStatements to Win $500 in Energy Cash!*

eStatements Logo, vector v2

eStatements are an easy way to reduce your use of natural resources, saving paper, postage, and delivery time and costs including fuel. eStatements are also faster and more secure than paper communications (no statement with account numbers sitting in your mailbox!). When you enroll in eStatements, you’ll automatically be entered in a drawing to win $500 in Energy Cash! Sign up today at ConsumersCU.org/Secure/eStatements. Already enrolled? You’re already entered for your chance to win. *This contest is open to all legal U.S. residents 18 years of age or older. Employees of Consumers Credit Union and their household members are not eligible to win. No purchase is necessary to enter. Entries must be received by November 30, 2014. Limit 1 entry per person. On or about December 5, 2014 the sponsor will select a winner(s) at random to receive a $500 cash deposit. The odds of being selected depend on the … …continue

Leave a comment

Me and My Car—New or Used? Lease or Buy?

Car Shopping

The information in this post is provided by our partner Accel Financial Counseling. Accel’s counseling services and educational programs are available free to all Consumers members. Buying a car can be one of the most exciting decisions you will ever make and one of the most confusing. How do you decide whether to buy a new or used car or whether you should purchase or lease it? Consider the advantages and disadvantages of each option to decide what is best for you. Should I Buy New or Used? Some people buy used cars all of their lives and others prefer to buy new. It’s an individual choice based upon many factors. Below are some of the pros and cons of buying a new or buying a used car. New Car Used Car Advantages You get the year, make, model, color and features you want   You will have less concern … …continue

Leave a comment

Get In the Game at Kalamazoo Growlers Super Saturdays!

Growlers

Consumers Credit Union is pleased to welcome the Kalamazoo Growlers to town and support the team as a founding sponsor! You’re not going to want to miss a game, especially on our Super Saturdays, which will be jam packed with entertainment acts like the Inflatamaniacs and theme nights like Scout Night. When you show your Consumers Credit Union debit or credit card at a Super Saturday game, you’ll receive special benefits and incentives, such as concession and merchandise discounts or tickets to future games. Plus, Consumers members have the opportunity to throw the first pitch or be a bat kid at a Super Saturday game! Super Saturday First Pitch* Enter to win 4 free tickets to a Kalamazoo Growlers baseball game! The chosen Consumers Credit Union member will go on the field to throw the first pitch of the game. Enter to be chosen for any Kalamazoo Growlers Super Saturday … …continue

Leave a comment