Sustainability Update: As the Grass Greens, So Do We

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Exciting plans are being laid by Consumers’ Committee for Sustainability to push new initiatives out to all our 15 buildings, including initiatives for a Sustainability Champion at each office, reducing paper consumption, encouraging recycling, and reusing office supplies. We’re also researching new ideas for making future building projects lean and green. We’ve also been taking a look at the things that we’re already doing well. Ordering supplies containing post consumer recycled content From January to October of 2013, our post consumer recycled content represented a savings or reduction of 323.14 lbs of greenhouse gas emissions equivalent, 2.47 trees, 1,483.31 gallons of water, 17.67 gallons of oil, and 2,473,397.46 BTUs of energy. DocuSign In 2013, Consumers launched a new program for signing and transmitting documents securely and electronically. Early estimates of resource savings are anywhere from 40,000 to 100,000 pieces of paper a year, as well as hundreds of staff hours. … …continue

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More Questions from Our Members: Budgeting

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As part of our Consumers ConnectU financial education series, Tim Kosak, our Consumer Lending Manager is hosting monthly “Ask Tim Anything” chats on our Facebook page. In our most recent chat, he answered several member questions about budgeting. Have questions yourself? Stop in any of our offices or give us a call at 800.991.2221 for a personalized answer. And keep an eye on our Facebook page for our next Consumers ConnectU Facebook chat with Tim! Q. Are there steps to follow or a guide to look through to start a good budget plan and start putting some money away? A. Yes! Our partners at Accel Financial Services are available to help any of our members create a personalized budgeting plan, and their services are free to all Consumers members. The FTC website also offers many good resources for getting started. Here is a link to their budgeting worksheet. They key … …continue

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Movies Under the Stars Sponsored by the Consumers Sunburst Run

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Looking for summer fun for the whole family? Enjoy free movie nights al fresco! Bring a blanket or lawn chair, bug spray, and a flashlight (the park is not lighted) for a movie in Oshtemo Township Park each month this summer. Summer Features Thursday, June 19: DisneyNature’s Chimpanzee Thursday, July 17: His Girl Friday Thursday, August 21: Ghostbusters All showings begin at dusk, weather permitting. These free events are open to the public and cosponsored by Alamo Draft House Cinema and Oshtemo Friends of the Park, which is supported by proceeds earned from the Consumers Sunburst Run. Each year, proceeds from the run are used in partnership with local organizations that support our parks and family program. The run has helped fund the 2014 Flescher Field renovation project and Kalamazoo River Valley Trail’s Trick or Trail event, in addition to Movies Under the Stars.

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Questions from Our Members: Debt and Loans

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As part of our Consumers ConnectU financial education series, Tim Kosak, our Consumer Lending Manager, is hosting monthly “Ask Tim Anything” chats on our Facebook page. In our most recent chat, he answered several member questions about debt and loans. Have questions yourself? Stop in any of our offices or give us a call at 800.991.2221 for a personalized answer. And keep an eye on our Facebook page for our next Consumers ConnectU Facebook chat with Tim! Q: Is getting a personal loan a good option for consolidating your credit card debt? A: Yes, a personal loan can be a great way to consolidate. This is especially true if you can lower your interest rate. Another popular method for paying down credit card debt without consolidation is the “snowball effect.” With this method you pay off the lowest balance loan first and then apply that payment to the next lowest … …continue

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20 Ways To Celebrate Father’s Day—Without Breaking The Bank!

Gift for Dad

We all want to show our dads that we care on Father’s Day. Many people panic and run straight for the ties. But, unless your father is a necktie aficionado and you can land him the rarest of rare finds in men’s fashion, you may want to consider something else that shows how well you know and appreciate your dad. Here are 20 ways you can honor your father this Father’s Day: 1. Get fishing licenses for both of you and go fishing! 2. College mascot-branded duct tape for the sports fan/handy man. 3. Take in a minor league baseball game. 4. Detail his car interior with a vinyl cleaner and a vacuum. 5. Take a trip to the driving range together. 6. Dust and sort his toolbox – don’t forget to label the wrenches and sockets! 7. Tackle the mowing, raking, or other yard work. 8. Personalize a coffee … …continue

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Errores comunes en su reporte de crédito le pueden costar

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Si no ha pedido una copia de su reporte de crédito, hay muchas razones por las cuales lo debería hacer. Varios estudios muestran que un gran porcentaje de reportes de crédito del consumidor contienen errores. Un cuarto de dichos informes contienen errores serios que podrían causar hasta la negación del crédito a su dueño. ¿Cuáles son los errores más comunes? 1. Errores ortográficos en el nombre 2. Número de seguro social errado 3. Fecha de nacimiento equivocada 4. Información de cónyuge incorrecta 5. Información de domicilio no actualizada 6. Cuentas “cerradas” listadas como “abiertas” 7. El mismo préstamo o hipoteca listados dos veces 8. Ausencia de un crédito grande o hipoteca u otra cuenta que pueda dar fe de que usted es un buen sujeto de crédito. ¿Cómo suceden estos errores? La mayor parte de los errores puede atribuírsele a los acreedores que reportan información equivocada a los burós de … …continue

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PLAY with Extra Cash This Summer!

PLAY with Extra Cash

Keep your cash for summer fun in the sun! Members with qualifying loans can skip one monthly loan payment per loan in June, July, or August. Use the cash to get caught up with bills or fund your summer vacation! To initiate your skip, log into Online Banking and select “Skip a Loan Payment” under the “Accounts” tab or give us a call at 800.991.2221. If your loan is scheduled for automatic payments, please submit your skip request at least 7 days prior to the payment date. Skips will be processed approximately two weeks prior to your payment due date. For payments of less than $500, the fee to skip a payment is $35; for payments of $500 or greater, the fee is $50. *Deferment of payment will extend the life of the loan and may cause an increase in the final payment amount. Offer only available on CONSUMER vehicle … …continue

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Las cuatro C’s del crédito

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Cuando usted solicita un préstamo, hay cuatro consideraciones primarias que afectan la decisión de aprobar o rechazar su solicitud de préstamo. Estas calificaciones demuestran que el prestamista (o usted) es una persona responsable; es decir, que piense y puede pagar el préstamo. Son conocidas como las cuatro C’s del crédito y son: Capacidad ¿Qué habilidad tiene para pagar el préstamo? ¿Tiene usted un trabajo o alguna otra fuente de ingresos? ¿Ha permanecido en su trabajo por un tiempo determinado? ¿Tiene otras deudas? Carácter ¿Pagara usted su deuda? ¿Ha usado crédito anteriormente? ¿Paga usted sus cuentas a tiempo? Colateral Si usted no paga su deuda, ¿tiene usted algo de valor que se podría utilizar como colateral o fianza? Por ejemplo, si usted está comprando su primer carro, el mismo carro sería el colateral para asegurar que usted pague su préstamo. Si deja de hacer los pagos, usted pierde su carro. Capital … …continue

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Congratulations to our 2014 Dollars for Scholars Winners!

2014 Dollars for Scholars

Consumers Credit Union is pleased to announce the winners of our annual Dollars for Scholars Scholarship Program. The credit union has been helping student members achieve their dreams of attending college for over 20 years. More than 90 scholarships have been awarded since the program’s inception. The Dollars for Scholars program is funded by staff on “Casual for a Cause” Fridays, as well as from coin machine revenue. This year, Consumers awarded 20 graduating seniors scholarships of $1,000 along with an iPad. Scholarship winners are not only exemplary students; they are excellent citizens in our community. Each applicant is evaluated with equal emphasis on academic achievement, community service, essay content, and letters of recommendation. On Tuesday, June 3, this year’s Dollars for Scholars winners were honored in a reception held at the credit union’s Stadium Drive corporate office in Kalamazoo. 2014 Dollars for Scholars winners represent thirteen local high schools, … …continue

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