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We are having a free trust seminar hosted by our financial partner, First Community Trust, on February 13th. This is open to all of our members and you are encourage to attend! You will be able to get some great information on a variety of financial services including retirement planning and asset management. We hope to see you there. You can give us a call to learn more about where and when this event will take place. We would be happy to answer any questions you have.

trust

More about First Community Trust

Our partner, First Community Trust allows us to offer retirement and trust services to our credit union members. The professionals at First Community Trust have the experience to provide you with the best asset management services. They can provide you with estimate administration, retirement planning, 401(k) and IRA rollovers, trust services, and investment management. You can be more informed and ready to take on the future with help from our financial partner, First Community Trust.

The great thing about First Community Trust is that there is no obligation when you use their free services. They believe in a non-heavy sales approach, so you do not need to feel pressured when you approach them for advice or help. Outside of the free trust seminar, you can also meet with their representatives at a place that is comfortable for you. We understand that our members are all ages and abilities, so we want to make sure we can provide everyone with great service. Contact us today to make your appointment or to learn more about our free trust seminar! We definitely recommend you attend the free trust seminar if you are looking to learn more about asset management or retirement planning. It will be greatly informative to everyone who attends.

As a local credit union our goal is to help our community succeed. We believe in nurturing personal and educational growth, and that is why we offer scholarships for students in the Quad City area. For members of our credit union and their family members, we offer a variety of scholarships. As of right now we have three different scholarships available. You can apply for these scholarships up to their deadline in April.

Kevin Post Memorial Scholarship

The Kevin Post Memorial Scholarship is given to one credit union member or a family member entering or attending an accredited University or College. The deadline is April 1st and the gift is paid July 2nd. Submit your application by email or to any Family Credit Union office. As long as you are attending a University or College, you can apply for this scholarship. There’s no reason not to apply for this scholarship! Apply with the application here.

Keith Ruefer Memorial Scholarship

The Keith Ruefer Memorial Scholarship is given to one of our members or their family member entering or attending the University of Iowa. The deadline is April 1st and the gift is paid July 2nd. You can submit the application through email or to any Family Credit Union office. All you need for this scholarship is basic information about yourself and the letter of acceptance or proof of attendance. You can access the application for this scholarship here.

The Family Scholarship for Hispanic Students

Our last scholarship we are offering is the Family Scholarship for Hispanic Students. The Family Scholarship is given to one credit union member or family member of Hispanic heritage entering or attending an accredited University or College. The deadline is April 1st and the gift is paid July 2nd. Submit your application via email or to any Family Credit Union office. You can access the application here.

More About Our Scholarshipsscholarship

The awards of these scholarships are based on:

  • Need
  • Academics
  • Extracurricular Activities

If you are applying for these scholarships, please make sure to get them in by their deadlines. If you have questions or want to know more about the scholarships, do not hesitate to give us a call. We would be happy to help in any way we can.

 

Stay Healthy with a Health Savings Account

It’s the beginning of a new year, and it’s a great time to start thinking about a health savings account. A health savings account, also known as an “HSA“, goes hand-in-hand with a high deductible health plan (HDHP). This savings account is NOT an insurance plan, and it could lower your health care costs through its ability to pay for day-to-day eligible medical expenses. This tax-advantaged plan works like a normal savings account; withdraw cash and transfer money to a checking account so you can pay for medical expenses.

Works for You for the Rest of Your Life

health savings accountCreate an HSA today to protect your family and yourself from overwhelming health care costs. It gives you more freedom of choice when selecting a health care plan. Flexibility can be useful when looking at plans. It also moves with you, no matter what job you have! This option is also great for anyone who wants to plan ahead for retirement, as well. The HSA can be used even after you retire! The health savings account will continue to grow, tax-free, even if you don’t pay into it regularly. There are a number of benefits to an HSA including:

  • No Minimum Balance
  • Monthly Dividends
  • Tax Savings (consult your tax advisor for specifics)
  • Balances will rollover from year to year
  • A year-end statement for tax purposes

If you would like to learn more about a health savings account, or if you are interested in opening one with us here at The Family Credit Union, just give us a call. A representative will help answer your questions or begin the process of opening one for you! We hope to hear from you soon.

It’s the Beginning of a New Yearnew years resolution

Now that 2019 is here, everyone is making New Years resolutions. Have you made one? If you haven’t, we might have a few suggestions for you. Maybe your resolution could be to go back to school, get a car, buy a house, go on a vacation, or simply work towards paying off your debt. There’s something in common with all of these; we can help you achieve each of them. From student loans and vehicle loans to debt consolidation and savings accounts, we have the tools to help you work towards your New Years resolution.

Going Back to School?

College isn’t just a time investment, it’s a financial investment as well. We can help you along. We offer private student loans for the costs that aren’t covered by financial aid. These private loans come with a variety of benefits including no prepayment penalties, interest rate reductions for certain loan borrowers, and lower rates when signing as a creditworthy borrower or cosigning with a creditworthy borrower. These loans are a great option for someone looking to further their education in 2019.

Getting a Car?

Your resolution this year could be to work towards getting a new car. We can help you with a vehicle loan. The Family Credit Union has vehicle loans available for new or used autos, boats, motorcycles, or recreation vehicles. So even if it’s not a car, but a boat or motorcycle, we are here to help. Qualified pre-approvals make it easy for you to get a better arrangement with the dealer knowing you have the cash up front. We’ll help you achieve your goal. Just give us a call today and tell us how we can help you.

saving money on vacation

Summertime is finally here which means it’s time for vacation! Traveling can be expensive. Those transportation costs, hotels, and restaurant meals begin to quickly add. According to CreditDonkey, the average vacation costs $1,145 per person. The Family Credit Union has created a list to help you save money on your vacation this summer.

1. Look for Free Activities

Before going on vacation, take time to do some research on your destination. Often times you can find many free activities to do while you’re there. Whether it be a farmers market or listening to free live music outside, these activities are entertaining and save you money.

2. Get a Room with a Refrigerator/Microwave or Kitchen Area

While most people don’t want to cook while they are on vacation, eating smaller meals like breakfast and lunch in the room can be a huge money saver. Stop by a grocery store and pick up some essentials like granola bars, lunch meat, and bread. You’ll be able to splurge more on dinner this way.

3. Don’t Choose the Best Room

How often will you be in your room anyway? Choosing a simpler room can save you extra money to spend towards something else on your trip.

4. Stay Outside the City

Staying in the city can often be much more expensive. You can do the attractions during the day, and then when you are finished come back and sleep.

5. Apply for a Rewards Credit Card

If you take yearly vacations, consider applying for a rewards credit card and use it with your vacation in mind. Reward points add up quickly. Don’t overspend on your rewards card, but take advantage of the points you earn from regular spending.

The Family Credit Union

The Family Credit Union staff hopes your family enjoys their vacation. Contact us today to learn more about what we offer or how we can make your life easier.

Quad City River Bandits If you’ve taken advantage of the great deals that are part of our Family Fun Dollar Days, you know that The Family Credit Union provides you with fun activities from all over the Quad Cities. We’re proud to announce our newest partner is The Quad Cities River Bandits!

New for 2018, the River Bandits offers Baseball Mondays. On June 25th and July 9th, you can buy a General Admission ticket for only a $1.00 and also ride the beautiful Ferris Wheel for only a $1.00! What a deal!

Catch a game at scenic Modern Woodmen Park and enjoy a summer night with America’s pastime.

Other Family Fun Dollar Days Deals

Between June 4th and July 9th, you can visit the following locations for only one dollar*:

*Visit our Family Fun Dollar Days page for details

The Family Credit Union wants you to make the most of your hard-earned money, so take advantage of all the Family Fun Dollar Days deals this summer!

Was your holiday season hard on your wallet? For many us, we spend more than we should and end up having to cut back in other ways. Fortunately, there’s an easy way to solve the problem with The Family Credit Union’s Christmas club!

christmas club“Isn’t the holiday season over, though?” you might ask. “Can’t we just forget about the stress and bustle for a few months?” Unfortunately, that’s how we end up with our wallets hurting and a lot of financial stress come November and December.

A Christmas club is an account that you set aside money in over the year to use in the holiday season. The funds are deposited to your savings account on November 1st, and you are then free to spend as you please with all the money you’ve saved during the year. Don’t be discouraged thinking that you have to put in large amounts of money to really make a difference. As little as $10 a week for the year can make a massive difference for your finances come holiday time. These accounts can be deposited into with payroll deduction, direct deposit, Voice Response, or Home Banking to make them easy to use and hard to dismiss as being too difficult.

“Why can’t I just set aside money myself without the help of The Family Credit Union?”

You can definitely set aside money yourself, and it can be a great idea to get you started. However, sometimes it’s hard to stick to a Christmas club if a “once in a lifetime” trip comes up or that couch you wanted goes on sale. The Family Credit Union’s Christmas club accounts help you stick to your resolution and make sure that you are ready for the holidays and financially healthy.

“How do I set up an account?”

Open a Christmas club savings account at The Family Credit Union. Current members and new members can open accounts online using a secure online site or by logging into Home Banking. You will need the following items when opening your account:

  • Address and phone number
  • Social Security Numbers for you and any joint members on the account
  • Driver’s License or State Issued ID
  • Birth date for all people on the account

You will be asked to come into a credit union within 30 days of opening an account by this means so that we can get your account funded and verify your identification.

Visit our website for more information or to talk to a representative who can help you through the process. Though the holiday season is over, we encourage you to think about your 2018 holidays before they sneak up on you!

What do our Quad Cities kids want to save money to buy? Some of their answers are probably the same as yours! They know what they want to buy, but do they know how to buy it. Do YOU know how to save or get a loan?

The Family Credit Union can help you make those purchases. We can offer Savings Accounts with better rates than normal and we offer a variety of loans that can help you out when you need a little extra!