For High Mileage, Don’t Forget Diesel
Use this article to tell your members about the newest option in fuel efficiency—diesel.

After-Market Extended Service Contracts: Buyer Beware
Help your members know what to look for in so-called extended car warranty offers with this article.

Win the Auto Leasing Game
Let members know you'll help them compare lease and purchase options, so they end up with the best deal.

STOP In For a Car Loan...
Remind members you're the place to go for their used- and new-car financing.

Does Your Auto Loan Stack Up?
Use this ad to tell members about better auto loan rates at the credit union.

What Happens When Your Car Lease is Up?
Help members decide the best route to take when their car lease is about to expire.

Benefits of Auto Refinancing
Help members get out from under a pricey car loan by refinancing at your credit union. [Editor's note: If you cite your own rates, you may trigger other disclosures.]

Front View of Car
Highlight your new car information, lending, or leasing services with this sporty art.

0% Financing--Not Just for Cars
Let members know that even though 0% isn’t just on car lots that those great deals might not be as great as they seem.

Auto Loan Markups Can Cost You
Warn members that some auto dealerships charge undisclosed finance and markup charges and that your credit union can offer them a better deal. Use with corresponding ad ID #8060.

Vehicle Images
Use these vehicles images with articles about auto loans; sports utility vehicle.

Car Parts Collage #1
Use this photo of automobile parts with articles about auto loans.

Taking Delivery of Your New Vehicle
Make sure your members know what to verify before signing a receipt and paying for a new car or truck.

Car Parts Collage #2
Use this photo of automobile parts with articles about auto loans.

Photo of man holding car keys
Caucasian male with striped shirt holding car keys in a car lot.

Tenemos Mejores Opciones de Prestamos para Comprar Automoviles (We Have Better Auto Loan Options)
Financing options can be confusing and expensive--members might be better off with conventional or home equity CU financing.

Avoid Being Upside Down in Your Car Loan
Let members know how to avoid being upside down in a car loan and how your credit union can help.

Photo of couple looking at window sticker on a new truck
Caucasian male and female pointing at window sticker in a new truck on an auto dealer lot.

Understanding Your Car Maintenance Schedule
Help members make sense of car maintenance schedules with this article.

Finding Out About Vehicle Incentives
Tell members how to find out about dealer incentives and that taking the rebate and financing at your credit union often is the better deal.

Our Rates Will Keep You Rolling
Tell members that your credit union has auto loans for their specific needs.

Precomputed Loan Equals Prepayment Penalty
Warn members about precomputed auto loans and encourage them to play it safe with an auto loan from your credit union.

Antes De Elegir Un Automovil--Before You Kick the Tires
The numerous advantages of stopping at the CU before shopping for a car. Corresponds with English version arl-199.

Before You Kick The Tires
The numerous advantages of stopping at the CU before shopping for a car. Corresponds with Spanish version arl-289.

Going Greener With Your Next Car
Use this article to help members make the best decision about buying a “green” car.

Steer Clear of Automobile Fraud
Use this article to help your members avoid becoming victims of automobile fraud.

Car Shopping With Credit Problems
Car dealers make money on people with bad credit. Teach members to follow these steps to avoid becoming victims.

Timing Your Trade-In
Inform members about the timing factor when trading in a used car for a new one.

Helping The Kids Buy Their First Car The Right Way
Here's a quick plan to rein in first-time buyers' enthusiasm and raise their negotiating skills.

Will Your Lease Cost More Than You Planned?
Excess mileage is the nightmare of lessees. Help members determine their potential penalty and reduce or do away with it.

Will A Hybrid Car Save You Money?
Use this article to help members make the decision about whether to buy a hybrid vehicle.

Buy Now and Save on Your Next Vehicle
Inform members about buying a new car and that now is a good time to buy.

Dealership Sales Incentives--Read the Fine Print
This article explains why it’s important for members to read the fine print on auto dealership sales incentives ads.

Auto Loans for First-Time Borrowers
Let members shopping for an auto loan know that your credit union is the place to start.

Shopping for Auto Rates? Can’t Beat the Credit Union’s
Tell members about your affordable auto-loan rates.

Car Seats and Keys
Rev up your vehicle loan portfolio with this versatile art.

Smart Research for Your Next Car or Truck
Show your members Web sites that can help with purchasing a new vehicle.

Save Time and Money: Contact Us Before You Hit the Road
Encourage members interested in a used vehicle to come to the credit union for loan preapproval.

Auto Dealer Extras Cost Less at the Credit Union
Explain Gap and mechanical repair coverage to your members and let them know that your credit union offers these products--often at a substantially lower cost.

Used Wheels Might Be Best Deals
Tell members that if they’re shopping for a new car, a used car often is a better deal.

See What 0% Really Costs
Show members what 0% financing deals really cost, and encourage members to take the dealer’s rebate and finance through your credit union.

Choosing Make, Model, and Financing
Is a home equity loan a better deal than a conventional vehicle loan? Show members how to compare.

Hispanic male beside SUV
Use this photo of a Hispanic male beside an SUV to encourage Hispanic members to come to your credit union for their auto loan needs.

Shopping for Cars on the Web
This article has valuable information and resources for members who wish to shop for automobiles online.

Is Your Car Turning Into a Collector's Item?
Use this ad to encourage members to visit your credit union when they're considering purchasing a different vehicle.

Afile su lápiz y luego súbase a su Auto (Sharpen Pencils, Then Get Into Your Car)
This article helps Hispanic members assess their readiness to buy a car, and gives tips for confirming that car payments fit their budgets. See also English version ID #arl-1736.

Take the Sting Out of Car Payments
Use this ad to steer members to your credit union for car loans.

Lease-Look-Alike Loans
Tell members about the benefits of a lease-look-alike loan, and remind them that you can help them compare a loan with a lease.

Begin Auto Search With Manufacturers’ Web Sites
Alert members shopping for an automobile that visiting manufacturers’ Web sites is useful for researching cost, invoice, options, and features.

New Grads, Buy Your First Car
Help recent graduates make smart decisions when buying their first car out of college.

California Car Buyer’s Bill of Rights No Panacea
Use this article to inform members about the car buyer rights bill adopted by California last year.

Navigation Systems and iPod Plug-Ins Are the Latest New-Car Options
Use this article to inform members about useful new-car technology features.

Personalizing Your New Car
Give your members the scoop about some of the latest vehicle features and encourage them to come to your credit union for their auto financing.

The Best Time to Buy a Car
Use this article to help members understand the best times to purchase a new vehicle.

Ethanol: Home Grown, Less Polluting, But You’ll Pay More
Use this article to inform members about the costs and benefits of buying a flex-fuel vehicle.

The Beater's Gotta Go
Use this ad to steer members to the credit union for an auto loan.

Having a Hard Time Making Your Car Payment?
Use this ad to encourage members to refinance their auto loans at the credit union. Use with corresponding chart ID# arl-1493 and resource box ID# arl-1498.

Auto Auctions: Prices Influence What You Pay for Cars
Use this article to inform members about how the prices paid at auto auctions strongly influence what consumers pay for a used car or what their trade-in is worth.

True or False? Car Dealerships Can Run Credit Before a Test-Drive
Don’t let your members be conned into thinking a dealer must check their credit before a test-drive. Urge them to come to your credit union for a preapproved auto loan before they shop.

A Long, Cold Winter? Simple Energy Projects Can Save You a Bundle
Inform members about the essential tactics for saving energy at home.

Spot Art: Hybrid vehicle
Use this image with articles about hybrid vehicles. Use with corresponding article ID #arl-1375.

Autos: Lease or Buy?
Use this table to help members understand the differences between leasing and purchasing an automobile. Use with corresponding article ID #arl-1350.

One for the Money: Financing Your First Car
Use this article to tell young members how to prepare for buying a car.

Your Credit Union Gets the Wheels Turning
Use this ad to remind members of the benefits of getting preapproved for an auto loan from your credit union. Use with corresponding article ID #arl-1320.

Peace of Mind: Certified Used Vehicles
Tell members about the option of buying a certified used vehicle.

Photo of Car Keys
Use this photo of car keys with articles about auto loans, buying your first car, and teens and cars. Use with corresponding youth article ID #7114.

Borrow From the Credit Union--Right at the Dealership
Use this ad to promote your indirect lending program for new cars and trucks. Use with corresponding article ID #arl-1236

How to Find Your First Car
Provide teenage members with tips for finding the best car, and expert recommendations.

Big Rebates Don’t Always = Big Savings
Cash rebates on new vehicles don’t always add up to big savings. Take long-term factors such as the cost of fuel, insurance, and especially depreciation into consideration before reaching for the rebate.

Photo of auto repairman with car
Caucasian middle-aged female with her hand on her chin, talking with Caucasian auto repairman with car on lift in the background.

It’s Never a Bad Time to Get a Credit Union Car Loan
Inform members about the best time of the year to trade in their current vehicle for a new one and let them know it’s never a bad time to get a credit union loan.

Cartoon motorcycle
Use this image to show members the variety of vehicle loans available at your credit union.

Cartoon SUV
Use this image to show members the variety of vehicle loans available at your credit union.

Seis Reglas Para Manejar la Deuda de Su Tarjeta de Crédito (Six Rules for Managing Credit Card Debt)
A credit card can be a useful tool or a ticket to ruin. Help members master their debt load with these six key rules.

What’s Your Score? What Does It Mean?
Use this article to inform members about what a credit score is, how it’s calculated, and how to order it.

Avoid the 10-Year Credit Stain
Show members the way out when they find themselves in a financial tailspin. This article recommends National Foundation for Credit Counseling resources.

FICO vs. VantageScore: What's the Difference?
Use this article to help members understand the differences between a FICO credit score and VantageScore.

The Four C’s of Credit
Tell your members about the factors lending institutions consider when evaluating loan applications.

Audio Response
Spell out the benefits and encourage use of your CU's phone access to accounts.

Reduce Credit Card Debt: Pay Biweekly
Help members pay off credit card debt quickly by suggesting biweekly payments.

Ways to Boost Your Credit Score
Use this article to inform members about how they can improve their credit scores.

Store Cards: Seldom the Better Deal
Warn members to think twice before applying for credit cards from retail stores. Credit union credit cards have great rates.

Window Shopping Can Damage Your Credit
Tell members to avoid damaging credit scores by not applying for too many loans.

Our Rates Are Better
Remind members about your low credit card rates.

Card Surprises to Look Out For
Outline ways members pay more for credit cards than they need to, and how they can save with a credit union card.

A aquellos que se aprovechan de su buen historial de crédito: Ya no más (Piggybackers: No More Riding on Good-Credit Coattails)
Use this article to explain the practice of credit piggybacking and tell your Hispanic members about alternatives for establishing good credit.

Second Take--Your Credit Record
Your credit union offers members a second take at getting finances in shape or back on track.

Cuando un Reporte de Crédito ‘Gratis’ No Lo Es (When a 'Free' Credit Report Is Not Really Free)
Use this Q & A to help prevent your Hispanic members from falling victim to bogus or misleading Web sites offering free credit reports. See also English version cr-1887.

When it comes to your credit score, are you driving in the right direction?
Use this ad to remind members of good credit habits, and to steer them toward the credit union for better loan rates.

Rebuilding Good Credit
Use this resource box with articles about rebuilding a good credit history.

Piggybackers: No More Riding on Good-Credit Coattails
Use this article to explain the practice of credit piggybacking and tell members about alternatives for establishing good credit.

Basic Steps to Financial Fitness
Get members on track to reach their financial goals with these savings and debt-reduction guidelines.

Credit Counselors Help Before You Get in Too Deep
Help members control debt by using a credit counseling service vs. filing for bankruptcy.

Nail Credit Workout Details
Give your members tips on what to ask a credit-counseling agency before signing up for a debt-workout program.

Do You Need Credit Counseling?
Inform members about the benefits of credit counseling.

Remember: You Closed the Account
Tell members that when they close an account, the credit bureau should know too.

Employers Use Credit Reports to Hire and Fire
Alert members that employers increasingly check applicants’ credit histories during the hiring process.

Common Credit Report Mistakes Could Cost You
Tell members what common errors to look for in their credit reports and why they should order reports from the “big three” credit reporting agencies.

Know What You Owe
Encourage members to fill out this chart to find out how much they really owe to debtors.

Credit Savvy Key to Avoiding Costly Missteps
Use this article to help members avoid costly credit mistakes.

Donating to Charity through a Credit Card--Does it Pay?
How much do credit cards linked to charities donate back? Tell your members and let them decide if a CU card with a lower rate might serve them better.

Credit Cards: Switch and Save
This article encourages members to find out the details of their credit card contracts and switch to a credit union card to get the best deal.

Consejo: Pida un reporte de crédito (No Social Security Number? You Still Can Request a Free Credit Report)
Use this tip to inform Hispanic members without Social Security numbers that they can order a free annual credit report. Corresponds with English version ID #cr-1739.

Beware of Money-Hungry Credit Counselors
Warn members about credit counselors that charge fees, and give them advice about finding a reputable credit counselor.

The Nontraditional Route to a Positive Credit History
Use this article to tell members there's a nontraditional route to paving a good credit history.

Shredding Credit Card Offers Is Better Than Ripping Them Up
Caution members that tearing up preapproved credit card offers isn't enough to prevent ID theft.

No Pagues Extra por Esa Soda (Don't Pay Extra for That Soda)
Use this tip to warn Hispanic members about minimum purchase violations. English version #cr-1519

How to Pick the Right Card for College
Use this article to guide college students in the right direction when considering a credit card.

Warning Signs You Have Too Much Debt
Use this resource box in articles about consumer credit and debt.

Don't Pay Extra for That Soda
Use this tip to warn members about minimum purchase violations.

Spot Art: Collage of Credit Card Purchases
Use this image--a collage of credit card purchases--to show members how they can use credit cards for various purchases.

How to Order Your Credit Report
Use this resource box with articles about consumer credit reports.

Credit File Freeze
Use this spot art of a credit file in a block of ice to illustrate having a credit file frozen. Use with corresponding article ID #cr-1555 and tip ID #cr-1557.

Distintas formas de Mejorar su Calificación de Crédito (Ways to Boost Your Credit Score)
Use this article to inform Hispanic members about how they can improve their credit scores. Use with corresponding spot art ID #cr-1420.

Debit Card Debate: Check-Out Line Dilemma Reveals Real Differences
Use this article to inform members about when to choose “credit” or “debit” at the checkout lane.

Leave the Counseling to Us
Sway members away from the bad guys and urge them to visit your credit union for credit counseling.

Leave the Counseling to Us
Sway members away from the bad guys and urge them to visit your credit union for credit counseling.

El Incumplimiento Universal de Deuda: El Alto Precio del Omitir un Pago (Universal Default: The High Price of a Missed Payment)
Use this article to inform Hispanic members about what the universal default clause is and how it affects their credit rates and records. Corresponds with English version ID #cr-1321.

Direct Mail Letter: Credit Cards
Use this direct mail piece to explain the benefits of your credit card program.

Prudent Credit Makes for Prosperity
Use this essay to inform members about the positive role of credit in our society.

A Personal Debt Assessment: Your Financial Life Preserver
Use this article to encourage members to come in for a debt assessment--before they get into trouble. Use with corresponding ad ID #mm-1302.

Credit Cards: Pay More Than Minimum for Faster Payoff
Alert members that some credit card issuers have raised minimum payments on credit cards and show them that paying a higher minimum can help them in the long run. Use with corresponding chart ID #cr-1305.

Minimum Payment Affects Interest Expense
Use this chart to show members that making lower minimum monthly payments is more costly in the long term.

Students, Find the Best Credit Card Deal Right Here
Use this tip to encourage members to sign up for credit cards with their CU instead of with campus credit card solicitors. Use with corresponding ad ID #ed-1243 and article ID #cr-1248.

FICO Introduces New Credit Score
This article describes the FICO Expansion credit score.

Debit Cards: Keep Those Records
Tell members about the importance of good record keeping when using their debit cards.

We Love Our Debit Cards
Debit cards are popular for a reason. This article explains why.

Avoid Credit Card Traps
Warn members about the latest credit card traps that lead to hefty fees and interest rate hikes. Use with corresponding spot art ID #2048.

Universal Default is Latest Credit Card Trap
Use this article to inform members of the importance of paying all bills at least a week or more before the due date to avoid charges associated with universal default clauses.

Gift Cards Keep Giving--But Not Always to You
Let your members know the ins and outs of gift cards.

The Downside to Zero-Interest Credit Cards
Zero-interest credit cards might be tempting, but warn members they should know the rules if they’re going to play the game.

Improve Security Shopping Online
Inform members of new fraud-prevention measures online merchants are adopting by asking for an additional three digits of a member’s credit card number.

Choose “Credit” at Checkout
Use this ad to let members know they can use their debit card the same way as a credit card when shopping, and the money will still come out of their share draft/checking account.

Debit Card Can Be Alternative to Cash
A credit union debit card is a safe, convenient alternative to carrying cash.

Tip: Debit Cards
Tell members the conveniences of debit cards while reminding them the importance of recording all transactions.

Gas Station/Debit Card
Promote credit union debit cards by reminding members that they can fill up, pay, and go, without ever stepping inside a gas station.

Cómo Detectar Preguntas Falsas--Detecting Phony Requests
Reassure members that your requests for personal information ensure that only they access their account information.

.coop Reduces Fraud Risk
Have you seen the new domain name “.coop” on some Web sites? This article explains why it came into being and what it tells members about a Web site.

Por Que Las Cooperativas De Ahorro No Son Bancos--Why Credit Unions Aren't Banks
Tell your members how credit unions are different from banks.

The National Credit Union Foundation
This article describes the National Credit Union Foundation's programs and its mission.

$10.9 Billion a Year: Estimated Credit Union Member Financial Benefits
Use this chart to show members just how much their membership is worth--about $240 a year per household or $10.9 billion a year for all members.

Spot art of banner for voting
Use this banner ad on your Web site to encourage members to get out and vote in November. (Note: the second .gif graphic listed [1941_2.gif] is an animated banner.)

E-Services Mean Maximum Convenience
Inform members about the benefits of using electronic services

Remember to Vote
Encourage members to vote--for board of directors or local candidates--with this art.

Closed Sign
Use this art to let your credit union members know that you're closed.

Caucasian male adviser with Caucasian female client
Caucasian male adviser with Caucasian female client.

Service in Your Slippers
Encourage members to use your 24-hour online banking service with this ad.

We Speak Spanish Here
Use this art to let your Hispanic members know that you speak Spanish at your credit unions.

Money Recycling at Your Credit Union
Remind members that as financial cooperatives, you turn over profits to them in attractive rates and products and services.

Caucasian female adviser with African American couple
Caucasian female adviser with African American couple; side view.

financial adviser with Caucasian couple
Caucasian male financial adviser with Caucasian couple--couple facing camera.

We Offer Education Classes Here
Use this artwork to let your Hispanic members know that you offer educational classes.

Get Better Rates, Pay Fewer Fees at Your Credit Union
This article touts credit unions’ lower fees and higher rates compared with banks’. Use with corresponding chart ID #cut-1245.

Once a Member, Always a Member
Inform members that once they're a credit union member, they're always a member--their membership stays with them even when they retire or move.

Your Credit Union: The More You Use It, the More You Save
Give your members a sense of how much they save by being a credit union member vs. using any other financial institution.

We Accept the Matricula Card
Use this art to let your Hispanic members know that you accept the Matricula card.

Discover the Cooperative Difference
Remind members that credit unions, unlike for-profit financial institutions, are democratically controlled financial cooperatives.

Together Members Can Do Anything
Invite members to take part in their credit union's future by attending the annual meeting.

Nine Ways CUs Are Different
Explain the ways credit unions are different from other financial institutions and how they offer better service to their members.

Home-repair and Remodeling Blunders: Avoid These Mistakes
When you’re thinking about remodeling or doing some home repairs, you can screen out many problems by heeding some common-sense precautions available in this article.

Credit Unions Meet Families' Needs
Let your members know that your credit union can meet entire families' needs.

Credit Union Membership is Worth Hundreds
Credit union members earn more on savings and pay less for services than bank customers.

Credit Union Members Enjoy Low Fees
As consumers fight bankers' fees in court, remind members that they can keep fees down simply by using credit union services.

What’s Behind Credit Union Rate Decisions
Share the philosophy and business rationale between your rate-setting decisions with members.

Turn to Someone You Can Trust
Research by Forrester Research Inc. shows that financial services consumers often feel profit-driven banks only have the bottom line in mind, instead of the consumers best interest. Credit unions, however, rank much higher in consumer advocacy.

Las Cooperativas de Ahorro y Crédito a la Cabeza en Encuesta sobre Satisfacción (Credit Unions Top Satisfaction Survey)
Credit unions are top in customer satisfaction.

Credit Union or Bank: The Charter Matters
This article tells members why and how credit unions play such a strong role in their financial well-being.

Share the Benefits of Credit Union Membership
Encourage members to let their loved ones know the benefits of belonging to a credit union.

The Credit Union Difference: Reaching Out to Those In Need
Give your members a sense of how credit unions across the country reach out to low- and moderate-income members to improve financial well-being.

Online Banking Conveniences
Announce online banking to your members, and explain your safety features and common safe practices.

Save With a Credit Union Share Draft Account
A credit union share draft account can magically transport members from costly checking fees and high minimum balances.