• Payroll Deduction puts your savings on autopilot. Each paycheck, your set amount will automatically transfer into your Savings Account. Set it, forget it, and watch your Savings start to grow with each paycheck!
• A Certificate Account is a great savings tool for those who struggle to save. Your investment is locked into a term you set (e.g. 2 years) and you cannot withdraw these funds without a fee or penalty. It forces you build your saving habits.
• Did You Know? Direct Deposit automatically deposits your paycheck into your account on payday. No need to wait in lines or worry about check fraud. Plus, if you’re out of town, you’ll have immediate access to your funds!
• Do you keep a sizeable amount of money in your regular Savings or Checking Account? Opening a Money Market or Certificate Account is a great way to earn more without adding risk to your investments.
• Investing Tip: If you have multiple CDs (Certificates of Deposit), ladder your investments. For example, have a variety of terms (1 yr., 2 yr., 3 yr., etc.) so your investments mature routinely. This helps prevent money being locked up for long periods & allows you to take advantage of rate increases over time.
• Enroll in e-statements & help the environment! Take a minute to sign up for e-statements and save the trees. Easily view, download, and print your statements 24/7 via secure Online & Mobile Banking.
• Build your Emergency Fund with Payroll Deduction. Automatically transfer a dollar amount you choose from each paycheck directly into your Emergency Fund. Set it, forget it & watch your balance grow on autopilot.
• Looking to earn more on your money? A money market account offers convenient access to your money and earns higher dividends than a savings account. You can make up to 6 transfers from this account each month.
• Did You Know? You can prevent overdraft fees by setting up alerts on your checking account. You will receive a notification if your checking account balance goes below the dollar amount you designate.
• Never be late on a Loan Payment again! Automatic Transfers allow you to set a date when your Loan Payment(s) will automatically be paid out of your credit union account. They’re quick & easy to set up.
• Do you have the right checking account? Make sure your checking account is aligned with your financial habits. Are you paying for services you rarely use? Is there a free option you could take advantage of instead?
• Courtesy Pay and Overdraft Protection are great tools to prevent returned checks and insufficient fund fees. However, make sure you’re aware of how these programs work and any possible fees associated with using them.
• Getting married? Start saving for the big day with a Money Market Account. You’ll still have the flexibility of withdrawing money when you need it, but you’ll also earn higher dividends vs a traditional savings account.
• Do you have extra money sitting idle in your savings account? Consider putting a portion into a short-term certificate account. You’ll earn higher dividends and eliminate the temptation of spending it.
• ATM fees can add up quickly. Avoid these fees by using your debit card at grocery stores or other available retailers. When checking out, use the “cash back” option to withdraw money just like at an ATM.
• Money Market Accounts are a great way to earn more on your investments, yet still have access to your money if you need it. Plus, rates are tiered – the more you save, the higher your rate.

3/10/25