Author Archives: Emily Nickerson

Afile su lápiz y luego súbase a su auto

Couple buying a car

A una familia con una media de $51,413 de ingresos le toma 31.6 semanas al año comprar un auto nuevo. Esto es ciertamente interesante—pero no responde la pregunta. ¿Cuanto podría pagar por un automóvil? Así es como lo averigua: Verifique su presupuesto Liste todo su ingreso; haga un listado de sus gastos fijos y variables. Mantenga todos sus gastos mensuales—incluyendo su renta o hipoteca a menos de un 40% de su ingreso neto. Verifique otras metas de finanzas personales ¿Está ahorrando para el abono inicial de una casa? ¿Para los gastos de la universidad? ¿Puede demorar la compra de un auto y concentrarse en estas metas? Recuerde los otros gastos en que se incurre cuando se tiene un coche Vas a tener que pagar para la licencia, registro, seguro, combustible, mantenimiento y reparaciones…. Practique a ver si puede cubrir el nuevo pago Deposite la cantidad que espera pagar por su … …continue

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Got Projects? Get Going!

Kelsey E.

Make your home’s equity work for you! A low-interest home equity loan from Consumers gives you access to cash for life’s adventures—home remodeling and improvements, a new car or boat, college tuition, student loan payoff, travel, a vacation home, and more! Rates are as low as .99% APR* for the first six months on new home equity lines of credit with rates as low as 3.25% APR thereafter. Plus, pay no closing costs! How can you put your home’s equity to work? *Promotional, introductory Annual Percentage Rate (APR) applies only to new loans. The rate is effective as of April 1, 2014. Will become variable rate after the first six monthly billing cycles. Variable APR can range from 3.25%-18.00% APR. All loans subject to approval. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Property insurance is required. Early termination fee … …continue

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Consumers Credit Union Presented Elite Award For Compensation, Benefits and Employee Solutions

101 Best and Brightest 2014

Consumers Credit Union is honored to have received an Elite Award at the annual West Michigan’s 101 Best and Brightest Companies to Work For luncheon held May 8. The credit union received recognition in the category of Compensation, Benefits and Employee Solutions. Elite Award recipients demonstrate unique and creative thought processes with support from senior management and policy makers. In addition, they search for above-average programs, services, and solutions for employees given their work environment. The Compensation, Benefits and Employee Solutions category takes into consideration the provided compensation and benefits relative to comparable organizations, as well as the ability to provide unique, creative and customized solutions to employees. Shawn Premer, Vice President of Human Resources, says, “We value each and every one of our employees and focus on providing compensation that recognizes the important role staff play in the long-term success of the credit union.” The credit union’s Stakeholders Program … …continue

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Relay for Life: Fighting Cancer as a Team

Relay 1

Consumers Credit Union has participated in Relay for Life events for many years. We are once again a proud sponsor of this year’s event in Kalamazoo, where a team of over 60 employees will take to the track for 24 hours in the fight against this deadly disease. Relay for Life celebrates the lives of those who have battled cancer themselves, recognizes the caregivers who have supported their loved ones in the fight, and remembers friends and family members who have passed on. The event benefits the American Cancer Society. For many Relay for Life participants, the fight against cancer is personal. Glenna Kane and Jill Fricke co-chair the Consumers team. Glenna began taking part in Relay to fulfill a promise she made to her dad, who passed away of cancer in 2006. She says, “Since then, together with Consumers Credit Union employees and members, we have raised nearly $100,000 … …continue

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Consumers Credit Union Named 2014 Communities in Schools of Kalamazoo Champ

Clarence Lloyd and Derek Turtle accept the Champ Award from Communities in Schools of Kalamazoo

On Tuesday, May 6, Communities in Schools of Kalamazoo presented its seventh annual Champs Awards at a reception held at Cityscape. Consumers Credit Union is proud to be among the individuals and organizations honored as 2014 Champs and advance the important mission of Communities in Schools. This award recognizes the contributions of those in our community who work to support children in Kalamazoo Public Schools, empowering them to stay in school and achieve in life. 2014 is the second year that Consumers has partnered with Communities in Schools of Kalamazoo to provide after-school financial education to local middle and high school students. Topics covered include the why and how of making a budget, the importance of your credit score, and how good grades now can translate into dollars in your future. The program is designed to grow to include four sessions per school year, one per grade at the high … …continue

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Antes de elegir un automóvil

Happy family in car ready for travel

Antes de ir a comprar su próximo automóvil, visite primero a su credit union. Le podemos otorgar un préstamo preliminar que le permita pagar el auto en efectivo, además de impartirle la información que usted necesita para sacar el mejor partido. Uno de nuestros oficiales de préstamo con mucho gusto se consultará con usted para que obtenga una línea de crédito aprobada por anticipado para comprar su próximo automóvil. Lo haremos hasta por teléfono, lo cual quitará parte de la presión de las negociaciones que comienzan en las salas del concesionario. En efecto, usted podrá decirle al vendedor que lleva dinero en efectivo. Si usted va a cambiar el auto que ya tiene contra el valor del nuevo, el oficial de préstamo le podrá decir cuánto vale. Las guías de precios muestran los valores al por mayor, al por menor y el valor con financiamiento. Por lo general, el concesionario … …continue

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Consumers Credit Union Proud to Help Bring Baseball Back to Kalamazoo as Founding Partner of the Growlers

Growlers

Consumers Credit Union is proud to announce its partnership with the Kalamazoo Growlers to help bring baseball back to Kalamazoo. As a Founding Partner and the Official Financial Institution of the Growlers, Consumers Credit Union is sponsoring Super Saturdays at the ballpark. Super Saturdays will be jam packed with entertainment acts like the Inflatamaniacs and theme nights like Scout Night. Says Lynne Jarman-Johnson, Chief Marketing Officer of Consumers Credit Union, “We look forward to bringing the community together around this great summer pastime and offering added benefits to our members.” With this partnership, Consumers Credit Union members will receive opportunities to take part in the action, as well as receive special benefits at all Saturday home games, such as concession and merchandise discounts and discounts on tickets to future games. Members will be able to enter to throw the first pitch at Super Saturday games, while the credit union’s youngest … …continue

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I Wouldn’t Go Anywhere Else

Josh H., joined 2010

When Josh H. joined Consumers, he was looking to save money. “I was looking for a loan through local banks because I wasn’t impressed with my original bank,” he says. When he landed at Consumers, he ended up paying an interest rate that was half of what he’d been offered elsewhere. “Needless to say, they definitely won my vote,” he comments, adding, “I noticed it as soon as I started there. No matter what I had, what needed to be done, they always did a great job helping me out.” Because of the savings—and the service—Josh decided to refinance the loan on his four-wheeler through Consumers. When it came time to buy a car, he immediately turned to the credit union. Shortly after that, he refinanced his mortgage at Consumers. “It’s saving us a lot of money,” he says. “A lot of money.” Josh adds, “It’s that easy. With service … …continue

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Join Us in Holland During Tulip Time!

Tulip Time Offical Sponsor - 2014

We’re pleased to sponsor this year’s Text To Vote for the Parade Choice Awards during Tulip Time. Join thousands of spectators downtown Holland to watch amazing floats, marching bands, and Dutch Dancers during the Volksparade and the GMB Muziekparade, then vote for your favorite groups! Volksparade – “People’s Parade” – May 7 at 2 pm (Street Scrubbing at 1:15) The Volksparade is led by the Governor of Michigan and thousands of locals dressed in Dutch costumes. This parade celebrates traditions brought from the Netherlands and kicks off with the official Street Scrubbing. Experience bands, floats, and Dutch Dance groups as they “Klomp” along the route in their authentic costumes complete with wooden shoes! GMB Muziekparade – “Music Parade” – May 10 at 2 pm The Muziekparade features floats, Dutch Dancers, marching bands and more! Over 4,000 participants from 170 units delight the crowds over the longest parade route in Michigan. … …continue

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Protect Yourself from Internet Explorer’s Security Vulnerability

Computer Security

Microsoft has announced a security vulnerability in Internet Explorer versions 6 through 11 that could expose users’ personal data, should they visit a malicious or compromised website. A security update is now available from Microsoft Support to resolve this vulnerability. Consumers Credit Union assures members that our network security blocks this vulnerability. In addition, all workstations, including Online Banking stations available to members in our offices, are protected with additional security software that blocks malicious websites. This vulnerability does not affect other browsers, such as Safari, Chrome, and Firefox, which are safe to continue to use. Those who use Internet Explorer on their personal computers should be aware that they are vulnerable if they visit a site that is compromised and have not installed Microsoft’s security update. For more information and to install the update, please visit Microsoft Support.

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