Photo–Motorcycle image
Use this motorcycle photo to remind members their credit union has a variety of vehicle loans available.

Keep Your Old Car Running
Tell members how to keep their old cars rolling with proper maintenance and care. Encourage them to set up an auto-repairs savings account at the credit union.

Auto Refinancing Can Free Up Some Dough
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.]

Exclusive GM Savings for [name credit union] Members
If your credit union is participating in Invest in America, tell members about the latest offer, which expires June 30, 2009. Corresponds with ad #arl-2134. Marketers, for a complete array of support materials for the Invest in America campaign, see this link: http://www.lovemycreditunion.org/Marketing_Resources_148.html

So ‘So Long’ to the Gas Guzzler …
Gas prices go up and down, but many members are persuaded that fuel economy is best in the long run; encourage them to come to you for their new car loans.

Factors to Consider When Buying a Vehicle
Use this resource box with articles about purchasing--and financing--a vehicle.

If You Really Need an SUV, Think Used
Tell members about the savings when buying used SUVs instead of new, and encourage them to see you for financing

Getting Great Gas Mileage on Two Wheels
Tell members about the money-saving possibilities of motorcycles and scooters. Encourage them to see you for financing.

Are You Ready for a Really Small Car?
Tell members about the advantages of new really small cars and encourage them to see the credit union for loan options.

Drive Past the Gas Station With New Technology
Tell your members about the next environmentally friendly vehicles: plug-in electrics, compressed natural gas, and hydrogen-fuel cell vehicles.

Car Buying Tips
Give members this resource box as a guide for vehicle shopping.

How You Drive = What You Spend on Gas
Help your members manage steep gas prices with these fuel saving driving tips.

Direct Mail Letter: Finding a Fuel-Efficient Vehicle
Use this direct mail letter to encourage members switching to more fuel-efficient vehicles to come to the credit union for financing.

Scoot Around High Gas Prices
Use this ad to encourage members to go to your credit union for a scooter loan.

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.

Finance Your Car With Your House
Use this article to tell your members how their home equity can put them in the driver’s seat of a new car.

Avoiding the Rush to Sign--Take Your Time at the Dealership
Inform members about the important things to look for before signing a dealer contract.

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.

Car Buyers' Worst Mistakes
Help your members avoid classic car-buying errors--and save money.

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

Buy the Safest Car You Can
This article can help members decide which safety features are worth having in their new cars.

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.

Preapproval Makes Car Shopping Easy
Use this article to encourage members to get preapproved from your credit union before shopping for an automobile.

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.

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.

The Web--Good for Surfing but Not for Buying a Car
Shopping online for a vehicle can have its drawbacks. Remind members that your credit union can help them search for and finance a new car.

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

Photo of couple talking with car salesman
Caucasian male and female talking with salesman at an auto dealer lot

Photo of female talking with auto repairman
Caucasian middle-aged female with hands on her hips, talking with Caucasian auto repairman with car on lift in the background

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

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.

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

Tune Up Your Car Loan
Shows how much members can save by refinancing an auto dealership loan at their CU.

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.

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.

Drive Your Teen to an Auto Loan
This ad explains how an auto loan for your teen can be beneficial for you and the rest of your household.

Five Steps for Buying a Used Car the Right Way
The steps: Have a mechanic check it out, budget repairs as part of the price, negotiate up from loan value, talk warranty after the price is set, and include the credit union when shopping for rates.

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

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

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

The Lease is Up--Should You Buy the Car?
This article poses seven questions that will lead members to the right decision and then to your credit union for financing.

Auto Rebates: Who Gets the Money?
Tell members what's really happening when it comes to "cash back" promotions, and how to keep their rebate money.

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

Shopping for a Car? Skip the Legwork.
Remind members that the Web is a great resource for vehicle info--and to come to you first for the car loan.

When It’s Time to Get Rid of Your Old Car
Help your members decide when it’s time to get rid of their old junker cars.

Consumer Protection at Your Credit Union
Explain your policy about providing loan payoff information to dealers and to insurers and how your CU can offer trade-in value information.

Pare Auto Premiums for Teen Drivers
Inform members about ways to save money on teen auto insurance.

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

Car Buyers: Before You Sign on the Dotted Line
Encourage members to compare car dealers’ contracts with your credit union’s loan offer.

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

Hold Down Costs When Purchasing a Vehicle
Use this article to inform members how to save money when shopping for new or used vehicles.

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.

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.

Better Than New
Use this ad to encourage members to consider the financial benefits of buying a used car, and to finance new vehicle purchases through the credit union.

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.

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.

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

Cartoon vehicles
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.

Trying to Find Happiness With Higher Gas Mileage
Use this article to help members make fuel-efficient vehicle decisions.

Crash Ratings Coming to Window Stickers
Tell members about a new source for vehicle crash test data--right on the window sticker.

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

Car Spoiler
Remind members that credit union car experts are ready to help them get the best value for their money, with the loan and in the showroom.

Car Bumper
Remind members that credit union car experts are ready to help them get the best value for their money, with the loan and in the showroom.

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

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-2141 and resource box ID# arl-1498.

Prepare Before You Shop to Get the Best Car Deal
Use this article to let members know what to do before they shop for a vehicle.

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.

Worrying About the Warranty? Protection Against Costly Repairs Is Vital to Your Car Budget
Use this article to inform members about the different types of new car warranties.

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.

Big SUVs Take Backseat
Tell members about the alternatives to driving big SUVs.

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.

Photo: Front of Moving Car
Use this photo of a car with articles about auto loans and buying your first car.

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.

Test-Drive Tips for Car Shoppers
This list of test-drive tips will help members choose the car that’s right for them.

Don’t Get Trapped Upside Down in a Car Loan
Educate members about negative equity in their auto loan and encourage them to come to your credit union for a preapproved loan.

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.

Drive to the Credit Union for Auto Financing
Use this ad to encourage members to finance their cars through the credit union.

'Excellent' Credit Score is Higher Than You Think
Use this ad to warn members of tougher standards when it comes to earning an excellent credit rating. Corresponds with article #cr-2155 and tip #cr-2161.

A Credit Score of 760 is the New 720
Use this tip to let members know that they can get the best interest rates by taking good care of their credit score. Corresponds with ad #cr-2138 and article #cr-2155.

Guard Your Plastic Cards
Use this tip to give members advice about keeping their plastic cards safe.

The Confusing World of Credit Scores
Use this article to simplify the confusing world of credit scores, and encourage members to come to you with their questions.

How to Improve Your FICO Credit Score
Use this resource box with articles about credit scores. See also corresponding chart #cr-2016 and tip #cr-2038.

Spot art - Cellphone with text saying CALL CU 4 HELP
Use this spot art to remind your members that credit union services are just a phone call away.

Have Prepaid Travel Card, Will Travel
Tell members how prepaid travel cards work and why paying with a traveler’s check isn’t the preferred option anymore.

Pass Up Payday Loans
Use this ad to caution members about getting loans from payday lenders and encourage them to visit your credit union for much better alternatives.

To Develop a Nontraditional Credit History, Pay These and All Other Bills on Time
Use this resource box to remind members they don't need a credit card to develop a good credit history. They can develop one the old-fashioned way: simply by paying all bills on time.

Your Credit History Affects Your Loan Rate
Use this article to explain to your members the difference between prime, subprime, and credit union rates. This article encourages members to keep a clean credit history and to come to the credit union for better rates.

Should You Get Paid With Plastic?
Use this article to tell members about payroll cards and encourage them to use direct deposit instead.

Sea Cuidadoso al Usar Los Cajeros Automáticos--Staying Safe at the Cash Machine
Common-sense habits to keep members and their money safe while using ATMs.

What's Your Score?
Inform members about credit scores and how they can affect their finances.

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

Three-Digit Code Makes Shopping More Secure
Explain to members what a “three-digit” security code is and warn them to be smart when giving it out.

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

Paying Off High-Rate Credit Cards Pays Off
Show members how much extra they're paying when they routinely carry over a balance on a high-rate credit card.

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

Debit or Credit--What to Choose and When
Help members determine the wisest answer to the cashier question, "Is that debit or credit?"

Tarjetas de Crédito de Tiendas Departamentales: Muy raramente la mejor opción (Store Bought 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.

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.

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.

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.

Why Be Busy and Broke?
Consumer credit card debt is very high. Make sure your members know they can consolidate card balances and get a better deal at your credit union.

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

VantageScore vs. FICO Score
Use this illustration to show members the factors that contribute to different credit scoring methods.

Credit Trap
Don't let credit card debt trap you. Visit the credit union for information about wise credit use and money management.

Free Yourself From Debt
Help members resist the bankruptcy trap by better managing credit.

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

Middle-aged Caucasian male cutting up credit cards
Middle-aged Caucasian male cutting up credit cards.

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

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

Check for Common Errors in Credit Reports
Use this tip to tell members what common errors to look for in their credit reports.

Calculate Your Debt-to-Income Ratio
This guide gives members the tools to figure their debt-to-income ratio.

Credit Score Can Affect Auto Insurance Rates
Use this article to inform members about how their credit histories can be a factor in their auto insurance price.

Credit report spot art
Use this spot art with articles about credit and credit reports.

How to Evaluate Credit Card Offers
Consumers’ mailboxes bulge with card offers. Let them know to be wary: The cons outweigh the pros for many.

Making Sense of Plastic Promos
Members will see the clear advantage of a credit union credit card after learning how to evaluate card promotions.

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.

No Social Security Number? You Still Can Request a Free Credit Report
Use this tip to inform members without Social Security numbers that they can order a free annual credit report. Corresponds with Spanish version ID #cr-1740.

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

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

No Surcharge
Tell members your credit union does not charge a surcharge fee on certain ATM transactions.

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.

We're Doing Our Best to Help Protect You and Your Cards Against Fraud
Use this article to inform your members that the credit union is using protective measures to help guard their plastic cards against fraud.

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

Minimize ID Theft Risk When Ordering Credit Report by Mail
Use this tip to tell members how to safely order their free credit reports by mail.

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

Three major credit bureaus
This resource box gives contact information for the three major credit bureaus to help consumers get their free credit reports and to help fight fraud.

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

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.

Freezing Your Credit Report Puts ID Thieves on Ice
If your state has passed security freeze legislation, use this tip to encourage members to freeze their file and protect themselves from identity theft. Use with corresponding article ID #cr-1555 and spot art ID #cr-1553.

Credit score
Use this spot art with articles about how members can improve their credit scores. Use with corresponding article ID #cr-1427.

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.

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

Plastic Transactions Speed Checkout, Offer More Protection
Inform members of the benefits of signature-based debit card and credit card transactions.

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

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.

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.

Farmers Not Exempt From Plastic Pressures
For farmers, or anyone with short-term cash-flow problems, using a credit card may be a viable alternative to a quick loan. For these consumers, it’s easy to fall into the credit card trap.

Credit Cards: Not for Farm Financing
Farmers are using credit cards for short-term financing, often to their detriment. This article encourages more sensible sources of financing.

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

Card-Carrying 21-Year-Olds
This table reports details about college students and credit cards.

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.

Stop Paying Too Much for Credit Cards
Bank-issued card users are paying billions too much. Credit union cards average three percentage points lower.

What Happened at Lunch on Tuesday—or How I Joined the Credit Union
This article eavesdrops on "members" as they talk to some nonmembers about the benefits of joining a credit union.

You're No. 1 at Your Credit Union
Use this ad to remind members they're No. 1 at the credit union, and that bailout isn't an issue.

Credit Unions Top Satisfaction Survey
And the survey says … it's great to be a credit union member.

Estamos donde Usted Está (We Are Where You Are)
If your credit union is a member of the shared branching network, use this article to tout the benefits to your Hispanic members--especially the benefit of convenience.

Spot art of Supervisory Committee Report Header for Annual Meeting
Use this spot art of "Supervisory Committee Report" for your annual meeting materials.

Credit Union Accounts Insured to $250,000
Tell members about the increased insurance coverage amounts for credit union accounts.

Credit Unions: Changing Lives Worldwide
Use this article to share the spirit of credit unions with your members: people helping people, in the U.S. and around the world.

Credit Unions: Different by Design
During tough economic times, credit unions remain healthy and strong. Remind members their needs come first at the credit union.

Credit Unions Serve Consumers for 100 Years - Logo
The credit union centennial celebration offers an excellent opportunity to promote your credit union while telling members and potential members about the history and impact of credit unions on people’s lives. Please use this logo with corresponding article #cut-2035.

Billion-Dollar Banks Dwarf Billion-Dollar Credit Unions
Use this chart to show how billion-dollar banks dwarf billion-dollar credit unions.

You're Safe With Us--Little Man Symbol
Remind members of the key role they play in making your credit union a safe and attractive place to save and borrow.

Credit Unions: Safer Than Ever
Tell your members that credit union capital and the NCUSIF are in great shape--CUs are safer and sounder than ever.

Share Insurance Rises to Protect Your Accounts
Mail this letter to tell members that federal insurance covers their accounts to at least $250,000 upon passage of the Emergency Economic Stabilization Act of 2008. You also might post it on your Web site with a photo and signature of the CEO.

Spot art for the Little Gal
Remind your members that their credit union's philosophy is to stand up for its members with this art of the Little Gal.

Why should you join a credit union? Reasons to become a member
Use this article to show consumers the top 10 reasons to join your credit union.

Financial Steps to Take After a Disaster
Let members know that their money is safe with your credit union, even in times of uncertainty.

MEMBERS Financial Services Can Help You Plan
If your credit union has a MEMBERS Financial Services representative, use this article to explain the help your members can get from using this service.

United We Stand--America's Credit Unions
Let members know that through good times and bad, the credit union community stands together.

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.)

$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.

Vote
Remind members to support credit union friends in the general election--or that one benefit of membership is the chance to vote for your volunteer board of directors.

We Offer IRnet Services
Use this art to let your Hispanic members know that you offer IRnet services.

Credit Union Symbol
Use the popular credit union symbol--the little man under the umbrella--to encourage using direct deposit and payroll deduction for speedy delivery of members' funds.

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

Heard the Latest?
Run this ad in your SEG employees' newsletters or post it on bulletin boards to spread the word about the benefits of CU membership.

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

Service in Your Slippers
Banking (at the credit union, of course!) in your slippers--this photo demonstrates the convenience of online banking.

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

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

Open Sign
Use this art when posting your "open" sign.

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

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

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.

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.

Help Direct the Future
Recruit members for your board of directors with this ad.

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

We'll Guide You Through the Storm
Use this ad to urge your members to get help from your credit union before debt is out of control.

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.

A $10.9 Billion Benefit to Members
This article quantifies the financial benefits of being a credit union member--to the tune of $10.9 billion.

A Meeting With a Difference
Invite members to your annual meeting and emphasize that when they participate, the entire credit union benefits.

Let's All Cooperate
Explain the seven basic principles of all cooperatives and reinforce the fact that your credit union is a cooperative.

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.

Credit Committee Report Spot Art
Use this spot art of "Credit Committee Report" for your annual meeting materials.

Finance Report Spot Art
Use this spot art of "Finance Report" for your annual meeting materials.

Help Direct the Future
Recruit members for your board of directors with this article.

My Credit Union--I Own It License Plate
Use this spot art to promote credit union member-ownership.

Start something at the credit union
Your members can be your best ambassadors for a full-family membership policy, but only if you tell them about it.

Spot art -- Extended Hours
Use this spot art to encourage members to take advantage of your credit union's extended hours.

What Is a Credit Union?
Use this art when designing your credit union's Web site.

Colored IRnet
Use this logo to let members know that you offer IRnet services at your CU (color).

Clip art of Alphonse Desjardins
Use this image to show members an important player in the credit union movement, Alphonse Desjardins.

Notes
Use this art when designing your credit union's Web site or conventional newsletter.

Spot Art: License Plate I(heart)MYCU
Use this image of a license plate--with ILOVEMYCU--to promote credit union membership.

Newsletter Header
Use this nameplate when designing your credit union newsletter.

CU Locate Helps Us Connect in Disaster Situations
Use this article to tell members how to access information about your credit union in case of a natural disaster.

Annual Report
Use this emblem in your annual report.

Chairman's Report
Use this emblem in your annual report to highlight a report from your chairman.

Committee Report
Use this emblem in your annual report to highlight a report from your committee chairs.

Celebrate 20 Years
Celebrate your credit union's history by using this banner with your logo during your 20th anniversary year.

Celebrate 60 Years
Celebrate your credit union's history by using this banner with your logo during your 60th anniversary year.

Celebrate the Fourth of July
Make your credit union a star this July 4th, and announce your holiday hours.

10th Anniversary
Is your credit union celebrating its 10-year anniversary? Then this art is for you.

25th Anniversary
Is your credit union celebrating its 25-year anniversary or other significant milestone soon? Then this art is for you.

40th Anniversary
Is your credit union celebrating its 40-year anniversary? Then this art is for you.

Hours of Operation
Use this signage to display your hours of operation.

Closed Sign
Use this signage to let members know the credit union is closed.

Bilingual Automated Teller Machine
Use this spot art of an automated teller machine to let members know your ATMs are in both English and Spanish.

Losing Your Shorts?
Bank fees and penalties are taking an ever bigger bite of consumers' wallets. Remind members that the credit union has a better way.

We’re here to serve you
Use this poster to let Hispanic individuals in the community know that your credit union welcomes their business.

Photo of Paul Berry
Use this photo of Paul Berry, host of Home & Family Finance Radio, aired Sundays on Radio America Network, with articles inviting members, board, and staff to tune in to the radio show. Corresponds with spot art ID #cut-1723 and article ID #cut-1735.

Credit Union Members Belong
This art reminds members that they're more than just "customers."

Round-the-Clock Service
Highlight the convenience of your round-the-clock services.

Closed Sign
Use this art to tell your members that the credit union is closed.

The Credit Union Difference
Enhance your Statement of Commitment to Members with this art.

Familia
Use this spot art with articles targeted to the Hispanic audience.

Spot Art of Annual Meeting Header for Chairman’s Report
Use this spot art of chairman’s report for your annual meeting materials.

Animated Banner Ad to Encourage Attendance at Your Annual Meeting
Use this animated banner ad on your Web site to encourage members to attend your annual meeting. NOTE: Link the third banner of this ad to annual meeting logistics on your Web site.

Chairman's Report spot art
Use this spot art of chairman’s report for your annual meeting materials.

Committee Report spot art
Use this spot art of committee report for your annual meeting materials.

Annual Report spot art
Use this spot art of annual report for your annual meeting materials.

CUs: The Right to Choose
Reemphasize your credit union's role as the low-cost alternative to banks. Let members know that you want them--not bankers--to choose where they get their financial services.

Volunteers Are Important
Show your volunteers how much they're appreciated; use this art to advocate volunteerism.

Cooperativas de Ahorro y Crédito vs. Instituciones Bancarias (Credit Unions vs. Banking Institutions: Loan rate averages for 12 months ending November 2005)
Use this figure to show Hispanic members that your credit union generally offers better loan rates than other financial institutions.

Bring Us Your No-Account Relative
Encourage your members to bring their relatives to your credit union to join.

Quick Quiz: According to the law, what kind of people can CUs serve?
This Quick Quiz helps members understand what kind of people credit unions can serve.

Shared Branching: Convenience is No. 1
Explain what shared branching is and let members know that you’re part of a shared-branching network.

Direct Mail Letter: Inactive Accounts
Use this direct mail piece to notify members of their inactive accounts and your credit union policy about them.

Moving? Your Credit Union is Ready to Go
Remind members that even if they move, they still can belong to the credit union.

Share the Good News and the Wealth
Tell family members, friends, and co-workers about the benefits of belonging to a credit union.

Imagine …
Use this article to help members envision life without credit unions--using examples that compare the high fees charged by banks with those charged by credit unions. Use with corresponding chart ID #1139.

How Credit Unions Benefit Consumers
Use this chart to show how much better life is for three consumers because credit unions exist. Use with corresponding article ID #arl-1130.

Community Charter Benefits
Use this tip to let people know the advantages of a community-chartered credit union.

Family Membership in Credit Unions
Use this ad to let Hispanic individuals in the community know that if one person in the family is a member of your credit union, everyone in the family may join.

“People Helping People” Creates a Brighter Financial Future
Let members know that even if they hit some financial snags along the way, you’re there to help them through.

New Member Direct Mail Letter
Welcome new members with this direct mail letter and explain the benefits they’ll receive by becoming a credit union member.

What Is a Credit Union?
Use this art when designing your credit union's Web site.

Design for CU Web site
Use this art when designing your credit union's Web site.

What's New
Use this art when designing your credit union's Web site.

Services and Products
Use this art when designing your credit union's Web site.

Under Construction
Use this art when designing your credit union's Web site.

Full-Family Membership
Make sure members know their whole family belongs at the credit union.

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

La Membresia en la Cooperativa de Credito Vale Cientos de Dolares--Credit Union Membership Is Worth Hundreds
Credit union members earn more on savings and pay less for services than bank customers.

Getting Student Loans During the Credit Crunch
Even during the credit crunch, assure members there are student loan options available. Tell them about your loan options.

Tell 'em I sent ya!
Remind members to share your credit union's top-notch service and affordable products and services with all family members.

Préstamos para Estudiantes: Más Módicos que Nunca (Student Loans: More Affordable Than Ever)
Explain why recent legislation makes student loans a good deal, and how you can help your Hispanic members calculate what they'll need to borrow. See also corresponding English version of article at #ed-295.

Gap Year Offers Gains Before College
While it’s not for everyone, a gap year after high school graduation can offer a breath of fresh air for burned-out students. Tell young adult members about who can take one, what a gap year has to offer, and what to think about if considering this option

Student Loan Shopping Can Lower Your Credit Score
Caution student loan seekers that comparison shopping could affect their credit score.

College Costs: A Credit Union Loan Can Fill the Gap
As college costs rise and funding sources tap out, encourage members to come to you for a loan to fill the gap.

Welcome to Campus!
Use this ad to let college students know what services your credit union offers.

“Budget” Is Not a Four-Letter Word
Use these tips to inform college students about what they can do to stick to their budget.

Le Podemos Ayudar a Pagar su Carrera Universitaria (We Can Help You Pay for College)
Use this article to introduce college-bound Hispanic members--and their parents--to Stafford, PLUS, and home equity loan options to foot the college bill. See also English version #ed-246.

Paying for Grad School
Inform members about free money and loan options for financing graduate school.

Q & A: Should College Savings Be in My Name?
College savings accounts are popular, but did you know that financial aid eligibility is affected by whose name a savings account is in? This Q-and-A will explain why.

The Sooner the Better, When Applying for Financial Aid
Use this tip to tell young members about the benefits of applying early for student loans.

Tip: Qualifying for College Aid
Don't assume your income is too high to make your son or daughter eligible for financial aid.

Finance Your Return to School
Tell members about different ways to finance their return to school, and remind them that the best place to start is at your credit union.

Going to College? You Don’t Have to Leave Your Credit Union
Let young members know that no matter where they go to college, they always will be a member of your credit union.

Saving for School the Coverdell Way
Let your members know the benefits of saving for college using a Coverdell Education Savings Account and urge them to open one at your credit union.

Student Loans: More Affordable Than Ever
Explain why recent legislation makes student loans a good deal, and how you can help members calculate what they'll need to borrow.

Education IRAs Help Save for College
Explain the benefits of an Education IRA to members and tell them what it can be used for.

The Benefits of Consolidating Student Loans
Inform students about the benefits of loan consolidation.

Zip it up!
Use this ad to help members simplify their lives--and their budgets--by consolidating their student loans at your credit union.

Count On Us to Help You Finance Your Education
Use this ad to encourage college students to seek education loans at the credit union.

College Cost Act Tweaks Financial Aid Rules
Keep your members informed about the latest changes to rules regarding student financial aid.

Make Up for College Savings Shortfalls
This article explains several ways parents can save for their child’s college education—even on a short time frame.

Make the Most of College Campus Visits
Use this article to help prospective college students make the most of their campus visits.

Mid-Year Crisis
Make sure your credit union comes to members' minds when they're deciding how to pay for their education.

Using Excess Money in Education IRAs
Tell members what they can do if unused money remains in an Education IRA.

Coverdell Account is Good for College Savings
Encourage members to save for their children’s education by opening Education IRAs, now called Coverdell Education Savings Accounts.

Diploma and Mortar Board
Remind members that your credit union is ready to help with financial transitions--like starting a new job after graduation.

Direct Mail Letter to Parents: College Loan Programs
Use this direct mail letter--targeted to parents of future or current college students--to let them know about your credit union student loan offerings.

Homeschooling Can Bring Home Cost of Education
Use this article to highlight some homeschooling budget considerations.

Take Time to Pick a Computer for College
Buying the right computer for college takes time to consider what you really need and what you can afford. This article can help members choose what’s best for them.

Student loan repayment options
Use this figure to illustrate the differences among total amounts paid for different student loan repayment plans.

Recent Grads: Know What Skills Employers Look For
Use this article to let recent college graduates know what skills employers look for when hiring young grads and how they can obtain these skills.

Say “No” to the T-Shirt and Keep Your Credit Clean
Inform college-age members why they should avoid credit cards with free offers. Use with corresponding article ID #cr-1248 and tip ID #cr-1265.

Roth IRA at Graduation: What’s It Worth Down the Road?
Use this ad to show the long-term benefits of compounding yield when older children with earned income start saving for retirement sooner rather than later.

Unemployed? Here's What to Do
Give this resource box to members as a handy tool that can help if they become unemployed.

Unique Job Benefits Help Employees, Employers
Tell your members about unique benefits some employers are using to keep their best employees.

Pitfalls for the Online Job Hunter
Most employment services are reputable, and the Web can be a useful job search tool. But it pays to know the good guys from the bad guys and how to protect yourself from job scams, especially those online. This article helps point them out.

Click a Mouse, Find a Job. Maybe.
If you’re looking for a job, this article can help you understand how Web-based career sites work.

Sensible Steps Before, During Layoff Make It Easier to Cope
Use this article to tell members what they can do to prepare for and survive a layoff.

Find the Work You Love
Help your members make their next career move one they’ll love.

Laid Off From Your Job? We Can Help
News headlines tell us about fresh layoffs every day; reassure members who lose their jobs that your credit union still can help--and wants to.

How to Keep Your Job When You Become Ill
How would you hang on to your job if you were diagnosed with a chronic illness? Use this article to tell members about their rights and responsibilities when it comes to a chronic illness and their job.

Consider a Coach to Boost Your Career
This article explains what a career coach is and why one may be a valuable resource for professionals.

Time for a Fact Check!
Banks are crying foul, but this ad sets the record straight by comparing bank assets with credit union assets.

Who You Gonna Call? Where to Go With Your Consumer Complaints
Do you have a complaint about a company, product, or professional? This article explains where to go to make your voice heard.

Money Troubles? Let’s Talk About It
Reassure members experiencing financial trouble that your credit union has people who understand and can help.

What You Need to Know About the Federal “Do Not Call” Registry
The national “do not call” registry has been implemented. This article helps you inform members about what they need to know about it, and how to get in on it.

Credit Squeeze Got You?
The economy is delivering some hard knocks, so remind members that credit counseling can help.

Check Your Wallet: Abe Has a New Look
Use this Q & A to familiarize members with the newly redesigned $5 bill and why the changes are important.

Up to Your Cheeks in Debt?
Help your members from becoming bankruptcy statistics by offering bankruptcy alternatives.

Spot Art of Magnified Financial Statement
Use this spot art with articles that encourage members to look closely at their online financial statements for errors or signs of fraud.

Check casher sign with slash
This represents to your members that check-cashing outlets are ineffective.

Cross-Cut Shred It
Use this concise resource box to remind members to shred documents they no longer need that could disclose personal and financial information.

Protect Your Social Security Number
Use this resource box with articles about identity theft. Use with corresponding Resource Box # ft-1494.

Consumer Action Handbook
Tell members about the Consumer Action Handbook and how to obtain a free copy.

Clear Hard Drive of Sensitive Data
Use this tip to tell members how to get rid of sensitive data on a computer hard drive.

Tap Your Local Cooperative Extension System for Money Savvy Tips
Encourage members to tap into their local cooperative extension system for unbiased, research-based personal finance education.

The Inside Scoop on Financial Tools
This article lists several useful financial books, Web sites, and other resources recommended by experts in the field.

Faster Check Clearing Means “Float” is History
Make sure members aren’t caught off guard by check-processing changes that make “float” a thing of the past. Use with corresponding spot art ID #1118.

Image showing credit cards with a lock through them
Use this image to stress to members the importance of keeping credit card information safe.

What's the Most Common Way IDs Are Stolen? It's Still Your Wallet
Use this chart to highlight the importance of safeguarding wallets, which—when stolen—account for nearly half of all identity theft cases.

If You Get an E-mail From the IRS, Don't Open It
Use this tip to warn members about fraudulent e-mails that claim to come from the IRS.

Pawnshops Attracting New Demographic During Down Economy
Use this article about the risks of pawnshops to remind members to come to the credit union for help with short-term loan options.

Phishing Alert: Take Steps to Protect Yourself From Online Fraud
This article outlines several key steps members can take to avoid becoming a victim of phishing fraud.

Advance Fees Tip-Off to Loan Scam
Make sure members understand that some non-credit union loan offers can make their situation even worse.

Victim of ID Theft? Make 4 Phone Calls ... Fast
This ad shows members a streamlined system to deal with identity theft. Corresponds with chart #fr-930.

Cover Your Digital Footprint
Tell members what digital footprints are, how they’re tracked, and how to eliminate them.

Guard Against Home Repair Rip-Offs
This article includes useful tips to guard against home repair rip-offs.

“National Do Not E-mail Registry” a Hoax
Use this article to warn members of the “national do not e-mail registry” hoax that tricks consumers into giving personal information online.

Cutting Edge Guards You From Credit Card Fraud
Let cardholders know that MasterCard's new neural network system will alert the credit union when purchase patterns look suspicious.

Las Compras usando la Internet: ¿Debe usted hacer el “click” sin pensar?--Cybershopping: Should You Be Quick to Click?
These smart practices will help ensure that members shopping over the Internet protect their wallets and their privacy.

Carelessness Can Cost You
Help members avoid identity theft by advising them to shred their receipts.

Keep Your Identity to Yourself
Identity theft is the No. 1 consumer complaint. Encourage your members to take steps to protect their identities.

Simple Steps Enhance Computer Privacy, Security
There are significant consequences that can arise from connecting an unprotected computer to the Internet. This article describes the steps members should take to enhance their privacy and computer security and protect them from identity theft.

Identity Theft: You Have a Lot to Lose
Warn members of the rising incidence of identity theft and the impact it can have if it happens to them.

Protect Your Social Security Number
Tell members to protect their Social Security numbers as much as possible to avoid becoming victims of identity theft.

Don’t Sweat It--Shred It!
Use this tip to explain why it’s important to shred sensitive papers.

Can You Spot a Scam?
Use this tip to help members fight fraud. Encourage them to take the Grand Scam Challenge on FTC’s Web site.

Read Fine Print to Avoid Subscribing to a Scam
Help your members become aware of magazine subscription scams with this article.

Tenga cuidado con aparatos para descifrar sus claves en máquinas ATM (Watch for ATM Skimming Devices)
Use this tip to warn Hispanic members about skimming devices on ATMs. See also English version of tip ID #fr-1788.

Check Fraud Scams More Common Than You'd Think
Use this article to help members avoid becoming victims of the latest check scams.

Spot art of computer screen and padlock
Use this spot art of a computer screen and padlock with articles about Internet safety, online banking, online shopping, phishing, and spyware.

International Scams Seek to Steal American Dollars
Use this article to inform members about international money fraud.

Private--Keep Out
Use this spot art with articles about identity theft on the Internet.

Watch for ATM Skimming Devices
Use this tip to warn members about skimming devices on ATMs.

Padlock Spot Art
Use this spot art of a padlock with articles about identity theft and computer privacy.

Counterfeit Check Scams Come in Many Guises
Use this article to warn members about counterfeit check fraud and show them what they can do to avoid becoming a victim. Use with corresponding resource box ID #fr-1772.

Cybershopping: Should You be Quick to Click?
These smart practices will help ensure that members shopping over the Internet protect their wallets and their privacy.

You’ve Got Mail: Be Careful
The same scams that have been conducted by conventional mail or phone now can be found on a new medium--the Internet. Caution members about two hoaxes that may be popping up in their e-mail in-boxes.

Identity Theft: Getting Back to Square One
Use this article to help victims of identity theft get back on their feet and prevent future fraud.

Share Draft Fraud
These share drafts show how, with a few pen strokes, thieves can alter share drafts.

If the IRS Calls, Hang Up
Give members this tip to warn them about calls supposedly from the IRS.

Watch Out for Vishing--the New Scheme in Town
Alert members about the new scheme in town--vishing--and explain how not to become a victim.

Don’t Fall Victim to Mail Fraud
Use this article to alert members to the latest mail fraud scams.

Good Habits Protect Your Plastic Cards Against Fraud
Help members safeguard their plastic cards and identity from the risk of exposure. Show “good habit” examples to keep them and their cards safe.

Stay Safe at the Cash Machine
Help members keep themselves and their money safe when using an ATM.

Spot art: “Evil twin” image depicting risks of wireless connections
Use this “Evil Twin” image to inform members of the risks of connecting to open Internet networks. Use with corresponding article ID #4071.

Phishing Alert: Credit Union Members Urged to Take Precautions
If your CU gets phished, use this direct mail letter to let members know how they can protect themselves.

Spot Art of Wolf Sitting at Computer
Use this spot art of a wolf sitting at a computer with articles about phishing and ID theft to warn members of the dangers of online phishing attacks.

Catching the Bad Guys: Credit Unions Look Out for Members’ Safety
Use this article to inform members how credit unions play a role in helping the government bring terrorists, money launderers, computer hackers, and counterfeiters to justice.

Thieves Using ‘White Card’ Fraud on ATMs
Use this article to inform members about a new type of fraud--white card fraud--and to tell how people can help protect themselves from being a victim.

Cuídate de Fraudes (Shield Yourself from Swindles)
Educate Hispanic members about the latest scams involving checks, ATMs, and the Internet.

Shield Yourself From Swindles
Educate members about the latest scams involving checks, ATMs, and the Internet

Don’t Get Hooked by a Phishing Attack
Warn members of the dangers of online phishing attacks, how to avoid them, and where to go for help.

Beware of Travel Scams: Turn to Your Credit Union for Help
Use this ad to alert members to the rise in travel scams and remind them to turn to your credit union for a vacation loan.

Telephone-Initiated Debits Convenient for Thieves
Warn members of the risks of giving checking account information to telemarketers.

Ag Loans
Use this ad to remind local agricultural producers that your credit union is in the ag lending business, and convey that you're interested in building relationships with them for all their agribusiness needs.

Servir de Fiador no es Cuestión de Broma--Co-Signing is Serious Business
Spell out the responsibilities and risks members take on when they co-sign.

Payday Loans: Hard Truth About
Expose paycheck cash-advances for what they are--loans with interest rates from 470% APR! See also Spanish version #gl-282.

Fulfilling the Dream to Ride: Motorcycle Loans
Promote motorcycle loans with this sales copy that leaves room for your current rates; also steer members to Web sites for used-cycle pricing.

Las Cuatro C's del Crédito--The Four C’s of Credit
Explain to members what affects the decision to approve or decline a loan application.

Too Many Debts Weighing You Down?
Use this ad to encourage members who need to get a handle on high-cost debt payments to come to you for a consolidation loan.

Need an ag loan?
Use this attention-getting ad to let the community know that your credit union provides ag loans.

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

Now You Can Calculate the True Cost of Payday Loans
Arm members with a calculator—explained in this article--that they can use to determine the abusive rates payday lenders offer.

Loan Rate Averages for 12 months ending November 2005
Use this figure to show members that your credit union generally offers better loan rates than other financial institutions.

Rentar para Comprar (“Rent-to-Own”): Las Cuotas Bajas Ocultan el Costo Real
Use this chart, which highlights the striking difference between the cash price of a television with the high cost of rent-to-own, to encourage Hispanic members to finance personal loans through the credit union. Corresponds with English version ID #gl-12

Rentar para Comprar: El Atractivo Costoso de los Bajos Pagos Semanales (Rent-to-Own: The Costly Allure of Low Weekly Payments)
Inform Hispanic members of the high cost of rent-to-own financing compared with a loan from the credit union. Corresponds with English version ID #gl-1247.

Encuentra la Solución Adecuada a Cualquier Necesidad de Crédito (Find the Right Solution for any Borrowing Need)
Use this article to highlight your credit union’s loan programs and encourage Hispanic members to borrow responsibly. Use with corresponding ad ID #gl-1237.

Rent-to-Own: The Costly Allure of Low Weekly Payments
Inform members of the high cost of rent-to-own financing compared with a loan from the credit union. Use with corresponding tip ID #2061 and chart ID #2058.

Need a Makeover?
Use this ad to promote any-purpose loans. Use with corresponding article ID #gl-1238.

Credit Unions Change Ag Lending Landscape
Use this article to inform members about how the credit union philosophy fits with agricultural lending, and to promote your ag loan services.

El Consumidor Paga Mas cuando Arrienda con Opcion a Compra (Consumers Pay More for Rent-to-Own)
Warn members about the pitfalls of rent-to-own chains.

Financing the Boat of Your Dreams
Let members know you'll float them a loan for the boat of their dreams.

Advance Directives Give You the Final Say
Encourage members to complete an advance directive to make end-of-life wishes known.

Medical Bills Could Hurt Your Credit
Let your members know that medical bills can affect their credit and inform them how to obtain their credit report.

Medical Bills Could Hurt Your Credit
Let your members know that medical bills can affect their credit and inform them how to follow up.

Prescription Drug Patient Assistance Programs: How They Work and Who Qualifies
Use this article to alert members to the availability of prescription drug patient assistance programs and who may qualify.

Now’s the Time to Max Out Flex Spending
Remind members to use up contributions left in their flex-spending accounts.

We'll Help You Save for the High Cost of Health Care
Use this ad to encourage members to set up a health savings account at the credit union.

How to Handle the High Cost of Retiree Health Care
Encourage members to plan for the high costs of health care.

Don’t Forfeit Your Flex Spending Account
Use this tip to inform members about what is covered in their flex-spending account.

Going Solo With Health Insurance
Help members decide what is better: staying with their employer health plan or buying individual health insurance.

Tip: Carbon Monoxide Detectors
Tell members to keep their families fume free and safe by using a carbon monoxide detector.

Spot art--image of credit cards wrapped in a bow
Use this image of a debit or credit card wrapped in a bow with holiday-spending articles, or to promote your credit union's rewards program.

Searching for the Perfect Gift
Use this fun word search to encourage 7- to 12-year-olds to give creative, homemade gifts during the holidays.

Tip Your Helpers for the Holiday
The holiday season means goodies for many service providers. This article suggests tip amounts during this time and throughout the year.

Deck the Halls Without Much Money
This article contains tips for smart holiday spending and staying within budget.

Christmas Club
Use this spot art with articles about holiday shopping to remind members to use credit unions savings vehicles to save for their holiday purchases.

Thanksgiving Horn of Plenty Spot Art
Use this spot art of a horn of plenty with articles around Thanksgiving to let members know you’re thankful for their participation.

Start the New Year Off Right With Your Credit Union
Help members start their New Year off right with financial tools and tips from your credit union. This art represents the first item they'll need to get done--remind them to talk with someone at your credit union.

Happy Holidays
Wish your members a happy holiday.

Make SMART New Year's Resolutions
Use this article to suggest financial New Year's resolutions to your members.

Santa Reading List
"Ho, ho, uh-oh!" Tell members about credit union loans to help them consolidate unruly holiday debt.

‘Tis the Season to Be Saving
Encourage members to open a Christmas Club account and save in advance for holiday spending.

Need a Halloween Costume? Make It and Save
Use this article in your youth newsletter to tell young members how to create an inexpensive Halloween costume.

Our Gift to You: Security
Let your members know a credit union credit card comes with the gift of security this holiday season.

Be Merry and Bright--Shop Wisely Online During the Holidays
This tip tells how holiday season online shoppers can ensure they are visiting secure Web sites.

Holiday Hours
Tell members about any changes in your credit union's business hours around the holidays.

Long-Term Care Insurance: Think Before You Leap
Encourage members to consider several factors before purchasing long-term care insurance.

Some Accounts Boost Coverage
Give members peace of mind by explaining NCUA insurance rules for joint and payable-on-death accounts.

No Worries: Your Money Is Safe at Your Credit Union
Reassure members that their money is safe and insured at your credit union. Use with corresponding item #in-70--the NCUA logo.

Crash Course in Auto Rental Insurance
Before stepping in line at the auto rental desk, credit union members should make sure they know what insurance arrangements to make. This article helps them decide about auto rental insurance.

Keep Your Dream Insured
Explain to members that avoiding a "forced placement of physical damage" insurance policy is in their best interest.

Auto Insurance: You'd Better Shop Around
Members can save on auto insurance with these eight tips from the Insurance Information Institute.

Students, Protect Your Property
Use this article to inform college students and parents about what they need to know to make the right decision about insuring student’s property.

Finding Extra Savings on Auto Insurance
Use this article to tell members how to find extra savings on auto insurance rates.

What You Should Know About Continuing Group Health Coverage Under COBRA
Use this article to inform members about COBRA, a federal law that may help families continue health insurance under certain circumstances.

Will Insurance Consumers Benefit From Modernization?
Use this article to inform members about potential changes in the insurance industry.

Deciding When to File an Auto Insurance Claim
Use this article to help members decide when it is appropriate to file auto insurance claims.

The Scoop on Flood Insurance
Inform members about flood insurance and that they should evaluate purchasing it.

Tip: Protect Yourself With Renter's Insurance
Tell members renter's insurance can offer them peace of mind in unfortunate circumstances.

In a Down Market, It Pays to Know the Financial Risks*
Guide your members towards a reasonably safe, prosperous investment strategy by making them aware of varying types of financial risk.

Lifecycle Investing*
Use this article to educate members about lifecycle funds and how to determine whether they’re a viable investment option.

Investor Challenges in a Changing Market*
Inform members about investment responses--both good and bad--during volatile financial markets.

Dollar-Cost Averaging: A Smart Way to Invest*
Let members know that even during tough economic times, dollar-cost averaging is a smart way to invest.

Investing Your Home Equity in Stocks*
Tell members the pros and cons of investing their home equity in stocks, and help them mitigate their risks.

What's Your Investment Style?*
Identifying and adopting an investment style that's a good fit is your members' first step toward securing their financial future.

Playing the Market Online--the Rewards and Risks*
Help members decide if online investing is really for them.

Rollover IRAs Put You in Control*
Let members know the benefits of rolling over a 401(k) account into an IRA at your credit union.

Saving For Life's Milestones With New IRAs
Summarize the contribution limits, tax deductibility, and withdrawal requirements for education and Roth IRAs, and compare them with the traditional account.

College Savings? Stress Less With a Roth IRA
Let members know another way to save for college is by investing in a Roth IRA.

Think Small: Investing With Little Scratch
Let members know they can invest in an IRA from your credit union for a few hundred dollars or less.

Young Adults Realize Benefit of Opening IRA
Use this ad to encourage young adults to open an IRA at your credit union.

Give the Power of a Roth IRA*
Encourage young adults to start a Roth IRA using money received as graduation gifts.

Ladder Your Way to Better Yield
This table illustrates the benefit of laddering share certificates vs. simply investing in and renewing single-term certificates. Corresponds with ad #iv-1873, spot art #iv-1882 and article #iv-1890.

Small Ladders Reach to Bigger Savings*
Encourage members with even small amounts in savings to use share certificate laddering as a tool to make their money grow. See corresponding ad ID# iv-1873, chart ID# iv-1880, and spot art ID# iv-1882.

Eggs in Shopping Cart
Unbalanced asset allocation could leave members vulnerable; encourage them to diversify with this art.

Spot Art of Asset Allocation
Use this spot art depicting asset allocation with articles about investing. Use with corresponding article ID #3067.

Spot Art of the Word “Invest”
Use this spot art of the word “invest” with articles about investing. Use with corresponding articles ID #iv-1251 and ID #rt-1282.

Sizing Up Your Financial Adviser*
Use this article to help members choose the right financial adviser for their needs.

Financial Decisions After a Death*
Give members practical suggestions--such as whom to contact and what financial documents to gather--following the death of a loved one.

Spread It Around*
Use this investment tip to warn members not to invest too much in their own company’s stock.

Women: Will You Live Too Long?*
Alert your female members to their unique lifetime financial challenges, and caution them against being too conservative.

Five Questions to Ask About Your Mutual Fund*
In the aftermath of the recent mutual fund scandal, encourage members to ask tough questions about their mutual funds.

Investment Clubs Welcome Profits but Focus on Education*
If you enjoy investing, want to learn more about it, and have time to get involved, an investment club could be just for you. This article describes investment clubs and if club membership is right for you.

Our Security Efforts Protect You
Inform members about the USA PATRIOT Act and how it will change procedures at your credit union.

Right of Rescission: The Cooling-Off Rule
Explain this right to members and tell them where to turn for more information.

Class-Action Lawsuits Carry Risks, Rewards
This article explains how class-action lawsuits work and the rewards and risks involved.

What You Should Know About Bankruptcy
Give members information about how bankruptcy will affect their financial records, and provide alternate suggestions.

What Bankruptcy Reform Means to You
Use this article to inform members how the new bankruptcy reform law affects them.

Check 21 Speeds Checking, Sinks Float
Tell members about this new law and explain what it means to them. Use with corresponding spot art ID #lw-1060.

Wake Up Your Dormant Accounts
Inform members about escheat and how they can find out if they’re owed unclaimed money or property.

Reservists Financially Prepare for Activation
This article focuses on how to be financially prepared for military activation.

New Law Helps Military Servicemembers Avoid Financial Exploitation
Use this article to inform military servicemembers about the Military Personnel Financial Services Protection Act, which helps to protect them from financial predators.

Collage of military photos
Use this collage of photos with articles that encourage military members and their families to use your services and protect their finances--before, during, and after deployment.

Young Troops Returning Home Face Financial Challenges
Use this article to help returning troops understand the importance of managing and saving money they accumulated while deployed, and to seek help from credit unions instead of predatory lenders.

Be Ready for Anything: Checklist
Make this chart available to members and encourage them to prepare themselves and their loved ones for a natural disaster, attack, or other emergency.

Consejos Financieros en Tiempos Turbulentos (Financial Tips for Turbulent Times)
Use these tips for your Hispanic members to help battered investors formulate a plan to tough out turbulent times. See also English version of article at #mm-2092.

Petroleum Fills More Than Your Gas Tank
Tell your members how they can help the environment and use less oil by decreasing their use of petroleum-based products.

Safe Deposit Boxes Practical, Have Limitations
Clarify how safe deposit boxes protect members’ documents and valuables, but do not afford deposit protection.

Spot Art for Electronic Payroll Deduction
With the emphasis on electronic payments, let everyone know you offer payroll deduction.

Creditors Pounce on Sloppy Bill Payers
Remind members of the importance of paying bills on time if they want to build and keep a high credit score.

Pulling Back From the Brink of Bankruptcy
Use this article to encourage members to ask for help before they get to the financial point of no return.

Gen Xers: You Can Ditch Your Debt
Studies show Generation X is heavy on debt. Encourage members of this generation to manage money wisely and visit their credit union for financial advice.

Shop Safe Online, for Convenience and Bargains
This article shares online shopping benefits--and a few prudent cautions--with your members.

What Happens to Unused Gift Card Cash?
Use this article to caution members about some pitfalls of gift cards and to explain why both givers and receivers need to be diligent.

Our Debt Payments Keep Climbing
Show members graphically how much our collective debt payments have been climbing since 1980. Use with corresponding articles mm-1967 or cr-910.

Old Advice Is Still Smart: Live Within Your Means
Remind members that simple methods can undo debt problems, if they don't neglect them too long. Use with corresponding chart #mm-1959.

Tired of Junk Mail, Spam, and Telemarketers? Get Off Lists
Let your members know about the fastest way to get off junk mail lists, reduce spam, and stop telemarketing phone calls.

Gouged by Groceries
Help members manage their grocery bills with these money saving tips.

Spring Break on a Budget
Spring break doesn’t have to cost an arm and a leg. The trick to finding a value-packed vacation is advance planning.

Make Back-To-School Spending Part of Your Plan
The back-to-school season is the second largest consumer spending time of the year. Use this article to encourage members to plan for back-to-school spending year-round.

Time to Trade in Your ARM?
Provide these important factors for members to consider before they convert to a fixed-rate mortgage.

How to Use a Safe Deposit Box
Guide members in determining whether the original or a copy belongs in a safe deposit box, and encourage an annual inventory of contents.

Debt Consolidation Loan
Tell members a credit union debt consolidation loan can help them pay off holiday spending and manage debt all year long.

Tips for Parents Whose Kids Move Back Home
This article gives useful tips to parents whose adult children move back home.

Haga los Gastos de Inicio del Ano Escolar Parte de Su Plan (Make Back-to-school Spending Part of Your Plan)
Use this article to encourage Hispanic members to plan ahead for back-to-school spending.

Six Ways You Burn Money on Your Car
Bad habits mean wasted money on a car. This article points out ways consumers waste money on cars and how to avoid it.

Ways to Cut the Cost of Fuel
Offer advice to your members about cutting the cost of fuel.

Saving for Auto Repairs: A “Christmas Club” for Your Car
Inform members about how opening a savings account for car repairs can help them avoid serious car problems and financial headaches.

Net Worth: Are You on Target?
Use this tip to encourage members to figure their net worth and determine whether they're on target or way short.

Nightmare in the Auto Shop: Dealing With the Intermittent Auto Problem
Clunk. Squeal. Rumble. This article is about intermittent car problems and tips for trying to deal with them.

Shop for the Right Auto Dealer
Help members choose the right auto dealer that will get them the best price for a new or used car.

How to Handle Roommate Finances
Educate young adult members about ground rules that help ensure all parties on a lease meet their obligations, despite differences in financial habits.

Payday Borrowing Pokes a Hole in Your Pocket
Help members get out of the trap of payday lending and let them know about the alternative loans offered by credit unions.

Finding a Reliable Pest Contractor
Help members choose the best pest contractor to eliminate unwanted critters.