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Current index contains 1756 items.

Auto Related Loans
IDTitleFormatPub Date
arl-2135
Car Dealers Are Dealing, We Are Lending
Bad news for car dealers holding high inventories means buying opportunities for your members. Remind them you have great loans to go with good car deals. [Image is American-made vehicle.]
ad 07/01/2009
arl-2147
Photo–Motorcycle image
Use this motorcycle photo to remind members their credit union has a variety of vehicle loans available.
photo 07/01/2009
arl-2146
Photo—car image
Feature this car image with auto articles and encourage members to seek auto related loans from the credit union.
spot art 06/01/2009
arl-2178
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.
article 06/01/2009
arl-2134
Save Money on a New Vehicle—and Invest in America!
This ad supports the Invest in America car-buying campaign. Corresponds with article #arl-2154. 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
ad 05/04/2009
arl-2141
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.]
chart 05/04/2009
arl-2145
Photo of American-made car
Encourage members to support the Invest in America Campaign. Use this photo with article #arl-2154.
photo 05/04/2009
arl-2154
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
article 05/04/2009
arl-352
Car Lot/Dealership -- Get a Loan; Drive one Home
Use this tabletop sign design to drive home that your credit union's low-rate auto loans are the keys to a new car.
spot art 04/01/2009
arl-2072
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.
ad 04/01/2009
arl-2074
STOP at your credit union for the best loan rate!
Use this ad to persuade your members to stop at your credit union for the best rate on an auto loan.
ad 04/01/2009
arl-2088
Factors to Consider When Buying a Vehicle
Use this resource box with articles about purchasing--and financing--a vehicle.
resource box 04/01/2009
arl-2125
Help Your Teen Driver Choose the Right Car
Use this article to help parents and teens find the right car for the new driver.
article 04/01/2009
arl-2132
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
article 04/01/2009
arl-2126
Hybrid Vehicles: Benefits Beyond Gas Savings
Hybrid benefits go beyond gas savings. Tell members about the advantages with this article.
article 03/04/2009
arl-2109
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.
article 01/06/2009
arl-2049
Think Sync: Phone and Music at Your Command
This article explains new Sync technology—hands-free phone and music options in your car.
article 01/05/2009
arl-2048
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.
article 12/18/2008
arl-2010
Car Dealers Are Dealing, We Are Lending
Bad news for car dealers holding high inventories means buying opportunities for your members. Remind them you have great loans to go with good car deals.
ad 11/03/2008
arl-2052
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.
article 11/03/2008
arl-1380
Spot Art: Hybrid vehicle
Use this image with articles about hybrid vehicles. Use with corresponding article ID #arl-1375.
photo 10/01/2008
arl-1965
Car Buying Tips
Give members this resource box as a guide for vehicle shopping.
resource box 09/26/2008
arl-1358
New Grads: Ready for a New Car?
Use this ad to let recent college graduates know about great auto financing options at your credit union.
ad 09/05/2008
arl-2002
How You Drive = What You Spend on Gas
Help your members manage steep gas prices with these fuel saving driving tips.
article 09/02/2008
arl-2003
Be Smart When It Comes to Car Rental
Help your members be smart when it comes to car rental with these tips.
article 09/02/2008
arl-1977
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.
direct mail 09/02/2008
arl-1022
Shopping for Cars on the Web
This article has valuable information and resources for members who wish to shop for automobiles online.
article 08/22/2008
arl-1994
Scoot Around High Gas Prices
Use this ad to encourage members to go to your credit union for a scooter loan.
ad 08/01/2008
arl-1903
Will A Hybrid Car Save You Money?
Use this article to help members make the decision about whether to buy a hybrid vehicle.
article 08/01/2008
arl-1943
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.
article 06/30/2008
arl-1944
For High Mileage, Don’t Forget Diesel
Use this article to tell your members about the newest option in fuel efficiency—diesel.
article 06/30/2008
arl-1945
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.
article 06/30/2008
arl-1988
Finding Your Way With a Portable GPS
Inform your members about portable GPS technology.
article 06/30/2008
arl-744
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.
article 06/19/2008
arl-394
Don't Get Taken for a Ride
Encourage members to contact the credit union before they take out a subprime loan somewhere else.
ad 06/17/2008
arl-439
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.
ad 06/17/2008
arl-1471
STOP In For a Car Loan...
Remind members you're the place to go for their used- and new-car financing.
ad 06/17/2008
arl-216
Car Buyers' Worst Mistakes
Help your members avoid classic car-buying errors--and save money.
article 06/16/2008
arl-1914
Does Your Auto Loan Stack Up?
Use this ad to tell members about better auto loan rates at the credit union.
ad 06/01/2008
arl-574
What Happens When Your Car Lease is Up?
Help members decide the best route to take when their car lease is about to expire.
article 06/01/2008
arl-1919
First Car Loan
Use this ad to encourage young members to check out your credit union for their first car loan.
spot art 06/01/2008
arl-1950
Buy the Safest Car You Can
This article can help members decide which safety features are worth having in their new cars.
article 06/01/2008
arl-389
Care and Feeding of First Car
Remind members to consider maintenance and insurance costs as well as monthly payments when choosing their first cars.
ad 05/05/2008
arl-905
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.
article 05/05/2008
arl-925
Preapproval Makes Car Shopping Easy
Use this ad to encourage members to get preapproved from your credit union before shopping for an automobile.
ad 05/05/2008
arl-933
Preapproval Makes Car Shopping Easy
Use this article to encourage members to get preapproved from your credit union before shopping for an automobile.
article 05/05/2008
arl-24
Car Parts
Use all or part of this flexible art to tell members about your vehicle loans.
spot art 05/02/2008
arl-217
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.
article 05/02/2008
arl-226
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.
article 05/02/2008
arl-288
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.
article 05/02/2008
arl-320
What Does Vehicle Depreciation Cost?
Explain the consequence of depreciation on both leases and purchases and offer three tips to minimize the impact.
article 05/02/2008
arl-460
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.
article 05/02/2008
arl-585
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.
article 05/02/2008
arl-848
Photo of man holding car keys
Caucasian male with striped shirt holding car keys in a car lot.
photo 05/02/2008
arl-849
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.
photo 05/02/2008
arl-850
Photo of couple talking with car salesman
Caucasian male and female talking with salesman at an auto dealer lot
photo 05/02/2008
arl-851
Photo of female talking with auto repairman
Caucasian middle-aged female talking with Caucasian auto repairman with car on lift in the background.
photo 05/02/2008
arl-852
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
photo 05/02/2008
arl-886
Selling Your Used Vehicle Online
Help members make the most of selling their used vehicles online.
article 05/02/2008
arl-955
Vehicle Images
Use these vehicles images with articles about auto loans; sports utility vehicle.
photo 05/02/2008
arl-989
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 article ID #8061.
ad 05/02/2008
arl-990
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.
article 05/02/2008
arl-1088
Car Parts Collage #1
Use this photo of automobile parts with articles about auto loans.
photo 05/02/2008
arl-1089
Car Parts Collage #2
Use this photo of automobile parts with articles about auto loans.
photo 05/02/2008
arl-1933
Understanding Your Car Maintenance Schedule
Help members make sense of car maintenance schedules with this article.
article 05/01/2008
arl-313
Tune Up Your Car Loan
Shows how much members can save by refinancing an auto dealership loan at their CU.
article 04/30/2008
arl-450
Our Rates Will Keep You Rolling
Tell members that your credit union has auto loans for their specific needs.
ad 04/30/2008
arl-588
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.
article 04/30/2008
arl-684
Reembolsos o Porcentajes Bajos: Escoja Uno--Rebate or Low Rate: Select One
Encourage members to take the dealer rebate and finance their auto loans through your credit union instead of being swayed by car dealers’ low-rate financing.
article 04/30/2008
arl-743
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.
article 04/30/2008
arl-924
See Us Before You Close That Car Deal
Use this ad to persuade members to bring the purchase agreement to your credit union before finalizing an automobile sale.
ad 04/30/2008
arl-1074
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.
ad 04/30/2008
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.
article 04/02/2008
arl-238
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.
article 04/02/2008
arl-289
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.
article 04/02/2008
arl-1908
Steer Clear of Automobile Fraud
Use this article to help your members avoid becoming victims of automobile fraud.
article 03/28/2008
arl-1895
Car Buying Made Easier: It's on the Sticker
Use this tip to educate members about the newly overhauled mileage sticker when shopping for a new car.
tip 03/28/2008
arl-1932
Going Greener With Your Next Car
Use this article to help members make the best decision about buying a “green” car.
article 03/28/2008
arl-232
Quality Used Vehicles--Guaranteed
Used-car "certification" programs carry widely varying standards--members should review the checklist carefully and check with the credit union for a low-rate loan.
article 03/24/2008
arl-218
Car Shopping With Credit Problems
Car dealers make money on people with bad credit. Teach members to follow these steps to avoid becoming victims.
article 03/01/2008
arl-244
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.
article 03/01/2008
arl-251
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.
article 03/01/2008
arl-256
A Money-Making Idea: Sell Your Old Car Yourself
When buying a new car, there is an alternative to trading in the old car. Nine steps guide members to selling a car.
article 03/01/2008
arl-280
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.
article 03/01/2008
arl-497
Los Peores Errores al Comprar un Automóvil (Car Buyer's Worst Mistakes)
Help members avoid classic car-buying errors.
article 03/01/2008
arl-682
Timing Your Trade-In
Inform members about the timing factor when trading in a used car for a new one.
article 03/01/2008
arl-1951
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.
article 03/01/2008
arl-1875
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.
ad 02/27/2008
arl-670
Buy Now and Save on Your Next Vehicle
Inform members about buying a new car and that now is a good time to buy.
ad 02/01/2008
arl-1901
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.
article 01/31/2008
arl-255
Choosing Make, Model, and Financing
Is a home equity loan a better deal than a conventional vehicle loan? Show members how to compare.
article 01/01/2008
arl-270
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.
article 01/01/2008
arl-434
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.
ad 01/01/2008
arl-462
Pare Auto Premiums for Teen Drivers
Inform members about ways to save money on teen auto insurance.
article 01/01/2008
arl-488
Shopping for Auto Rates? Can’t Beat the Credit Union’s
Tell members about your affordable auto-loan rates.
ad 01/01/2008
arl-522
Auto Loans for First-Time Borrowers
Let members shopping for an auto loan know that your credit union is the place to start.
ad 01/01/2008
arl-639
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.
chart 01/01/2008
arl-645
Car Buyers: Before You Sign on the Dotted Line
Encourage members to compare car dealers’ contracts with your credit union’s loan offer.
ad 01/01/2008
arl-649
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.
article 01/01/2008
arl-685
Smart Research for Your Next Car or Truck
Show your members Web sites that can help with purchasing a new vehicle.
article 01/01/2008
arl-1051
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.
photo 01/01/2008
arl-1056
Hold Down Costs When Purchasing a Vehicle
Use this article to inform members how to save money when shopping for new or used vehicles.
article 01/01/2008
arl-1067
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.
article 01/01/2008
arl-1104
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.
tip 01/01/2008
arl-1853
How to Cut the Cost of Driving
This article summarizes the costs of owning a vehicle, such as depreciation, maintenance, insurance, and gas.
article 11/02/2007
arl-1818
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.
ad 11/02/2007
arl-1763
It's OK to say goodbye
Use this ad to encourage members to visit the credit union for an auto loan when they need a car update.
ad 08/30/2007
arl-1784
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.
article 08/30/2007
arl-1789
Direct Mail Letter: Auto Loans
Use this direct mail letter to promote your credit union's auto loan programs.
direct mail 08/30/2007
arl-1177
Take the Sting Out of Car Payments
Use this ad to steer members to your credit union for car loans.
ad 08/18/2007
arl-1761
Park Your Wheels Here
An auto loan is an auto loan, but not at your credit union. Use this ad to encourage members to get a loan from your credit union for their new car.
ad 07/26/2007
arl-245
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.
article 07/01/2007
arl-903
Take a Hard Look at Extended Warranties
Help members who are interested in extended vehicle warranties know what to look for.
article 07/01/2007
arl-1136
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.
article 07/01/2007
arl-1176
Soaring Car Payments and 0% Financing: Know the Risks
Recommend that members check with you before signing up for 0% auto financing.
article 07/01/2007
arl-1718
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.
ad 06/29/2007
arl-1736
Sharpen Pencils, Then Kick Tires
Help members assess their readiness to buy a car by providing these tips for confirming that car payments fit their budgets. See also Spanish version ID #arl-1784.
article 06/29/2007
arl-1757
New Grads, Buy Your First Car
Help recent graduates make smart decisions when buying their first car out of college.
article 06/29/2007
arl-1758
Keep Car in Good Shape for Long-Term Payoff
Use this article to help members maximize the value of their car.
article 06/29/2007
arl-1756
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.
article 06/29/2007
arl-1792
Navigation Systems and iPod Plug-Ins Are the Latest New-Car Options
Use this article to inform members about useful new-car technology features.
article 06/29/2007
arl-566
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.
article 06/27/2007
arl-1734
Do Hybrid Vehicles Have Good Resale Value?
This article gives members a more realistic picture of the hybrid resale debate.
article 05/30/2007
arl-142
Front View of Car
Highlight your new car information, lending, or leasing services with this sporty art.
spot art 05/05/2007
arl-1747
The Best Time to Buy a Car
Use this article to help members understand the best times to purchase a new vehicle.
article 04/30/2007
arl-169
Cartoon vehicles
Use this image to show members the variety of vehicle loans available at your credit union.
spot art 04/02/2007
arl-170
Cartoon motorcycle
Use this image to show members the variety of vehicle loans available at your credit union.
spot art 04/02/2007
arl-172
Cartoon SUV
Use this image to show members the variety of vehicle loans available at your credit union.
spot art 04/02/2007
arl-339
Car Dice
Remind members that low auto loan rates aren't a thing of the past at your credit union.
spot art 04/02/2007
arl-1690
Trying to Find Happiness With Higher Gas Mileage
Use this article to help members make fuel-efficient vehicle decisions.
article 03/26/2007
arl-1704
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.
article 03/01/2007
arl-1677
Crash Ratings Coming to Window Stickers
Tell members about a new source for vehicle crash test data--right on the window sticker.
article 01/26/2007
arl-64
Back View of Car
Rev up your vehicle loan portfolio with this versatile art.
spot art 01/01/2007
arl-65
Car Seats and Keys
Rev up your vehicle loan portfolio with this versatile art.
spot art 01/01/2007
arl-66
Rev Up Your Loan Portfolio
Rev up your vehicle loan portfolio with this versatile art.
spot art 01/01/2007
arl-128
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.
spot art 01/01/2007
arl-129
Car Door
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.
spot art 01/01/2007
arl-130
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.
spot art 01/01/2007
arl-131
Alloy Wheels
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.
spot art 01/01/2007
arl-171
Cartoon car
Use this image to show members the variety of vehicle loans available at your credit union.
spot art 01/01/2007
arl-1605
The Beater's Gotta Go
Use this ad to steer members to the credit union for an auto loan.
ad 12/27/2006
arl-1490
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.
ad 09/01/2006
arl-1498
Get Out From Under Your Pricey Auto Loan
Use this ad to encourage members to refinance their auto loans at your credit union.
resource box 09/01/2006
arl-1582
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.
article 08/02/2006
arl-579
Conventional Auto Loan Often the Better Deal
Encourage members to take the dealer rebate and finance their auto through your credit union instead of being swayed by car dealers’ low-rate financing.
ad 08/01/2006
arl-1580
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.
article 06/07/2006
arl-1453
What’s the Real Price for That Used Car?
Used-car prices are all over the lot. Use this article to inform members where they can do their homework when buying or selling a used vehicle.
article 04/01/2006
arl-1457
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.
article 03/01/2006
arl-1418
Gas Pains Got You Down?
Use this ad to steer members to your credit union for a car loan when trading in your gas-guzzler.
ad 01/24/2006
arl-1401
A Long, Cold Winter? Simple Energy Projects Can Save You a Bundle
Inform members about the essential tactics for saving energy at home.
article 12/21/2005
arl-1378
New Cars Take Huge Depreciation Hit
Inform members about the cost of vehicle depreciation and urge them to come to your credit union for a used-car loan.
article 12/01/2005
arl-1391
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.
article 12/01/2005
arl-1350
Learn Facts About Leasing
Should you buy or lease? Use this article to let members know the facts about leasing. Use with corresponding chart ID #arl-1367.
article 10/27/2005
arl-1367
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.
chart 10/27/2005
arl-1388
One for the Money: Financing Your First Car
Use this article to tell young members how to prepare for buying a car.
article 10/27/2005
arl-1295
Big SUVs Take Backseat
Tell members about the alternatives to driving big SUVs.
article 09/30/2005
arl-1293
Peace of Mind: Certified Used Vehicles
Tell members about the option of buying a certified used vehicle.
article 09/01/2005
arl-1300
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.
ad 09/01/2005
arl-1320
Car-Buying Basics Help You Save on Financing
Tell members these car-buying basics to help them save money on financing.
article 09/01/2005
arl-1307
Photo: Front of Moving Car
Use this photo of a car with articles about auto loans and buying your first car.
photo 07/26/2005
arl-1253
How to Strike a Deal on a Used Car
Use this article to educate teens about the art of negotiating the best price on a used car. Use with corresponding photo ID #7117.
article 06/28/2005
arl-1256
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.
photo 06/28/2005
arl-1235
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
ad 04/29/2005
arl-1230
Test-Drive Tips for Car Shoppers
This list of test-drive tips will help members choose the car that’s right for them.
article 02/23/2005
arl-1130
How to Find Your First Car
Provide teenage members with tips for finding the best car, and expert recommendations.
article 12/16/2004
arl-1075
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.
ad 08/30/2004
arl-856
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.
ad 12/01/2003
arl-847
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.
photo 09/01/2003
arl-853
Photo: Caucasian female sitting inside new car
Caucasian female sitting inside new car with a 0% sticker hanging from the mirror.
photo 09/01/2003
arl-827
Drive to the Credit Union for Auto Financing
Use this ad to encourage members to finance their cars through the credit union.
ad 08/01/2003
arl-763
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.
ad 07/01/2003
Credit/Debit
IDTitleFormatPub Date
cr-2136
Running Ragged? Getting Nowhere?
Use this ad to illustrate to members how long it really takes to pay off credit card debt.
ad 06/01/2009
cr-2138
'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.
ad 06/01/2009
cr-2155
The New 'Good' FICO Score Jumped From 720 to 760
Use this article to raise awareness of tougher lending standards, particularly the need for a higher credit score to get the best rates. Corresponds with ad #cr-2138 and tip #cr-2161.
article 06/01/2009
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.
tip 06/01/2009
cr-1517
Plastic Card Safety Tip
Inform members to be careful when choosing personal identification numbers for their plastic cards.
tip 05/26/2009
cr-1741
Guard Your Plastic Cards
Use this tip to give members advice about keeping their plastic cards safe.
tip 05/26/2009
cr-2107
Su Prestamista Puede Usar una Calificación de Crédito distinta a la que Usted Compra (Your Lender May Use a Credit Score Different From the One You Purchased)
Be aware that not all credit scores are alike, and that your lender may use a credit score different from the one you purchased. See also English version #cr-2038.
tip 03/04/2009
cr-2097
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.
article 03/03/2009
cr-2087
Write to Credit-Reporting Agencies About Errors
Provide this resource box to members as a guide about how to write to credit-reporting agencies about errors on their credit report.
resource box 02/02/2009
cr-2021
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.
resource box 01/06/2009
cr-2038
Your Lender May Use a Credit Score Different From the One You Purchased
Be aware that your lender may use a credit score different from the one your purchased. See also corresponding resource box #cr-2021 and chart #cr-2016, and Spanish version #cr-2107.
tip 01/06/2009
cr-2019
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.
spot art 12/18/2008
cr-1954
Money-Savvy Collegians: Think Debit
Use this ad to steer college students to debit cards to avoid costly credit card debt.
ad 11/03/2008
cr-2044
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.
article 11/03/2008
cr-2053
Act Quickly to Correct Credit Report Errors
Help your members spot and correct credit report errors quickly.
article 11/03/2008
cr-1952
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.
ad 09/26/2008
cr-1980
Los Ciudadanos de la Tercera Edad y el Manejo de su Tarjeta de Crédito (Seniors and Credit Card Do's and Don'ts)
Help your mature adult Hispanic members stay clear of debt with this list of credit card do’s and don’ts. See also English version #cr-1231.
article 09/02/2008
cr-1964
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.
resource box 09/02/2008
cr-1978
¿Qué es un Reporte de Crédito? (What's in a credit report?)
Use this resource box to show your Hispanic members what type of information is included in a credit report. Use with corresponding English version #cr-1925.
resource box 08/01/2008
cr-908
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.
article 07/24/2008
cr-417
Tip: Debit Cards
Tell members the conveniences of debit cards while reminding them the importance of recording all transactions.
tip 07/21/2008
cr-922
Should You Get Paid With Plastic?
Use this article to tell members about payroll cards and encourage them to use direct deposit instead.
article 07/14/2008
cr-618
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.
article 07/07/2008
cr-657
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.
article 07/07/2008
cr-936
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.
article 07/03/2008
cr-492
What's Your Score?
Inform members about credit scores and how they can affect their finances.
article 07/01/2008
cr-249
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.
article 06/30/2008
cr-459
The Four C’s of Credit
Tell your members about the factors lending institutions consider when evaluating loan applications.
article 06/30/2008
cr-1925
What's in a Credit Report?
Use this resource box to show members what type of information is included in a credit report. Use with corresponding Spanish version #cr-1978.
resource box 06/30/2008
cr-1002
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.
article 06/30/2008
cr-1231
Seniors and Credit Card Do's and Don’ts
Help your mature adult members stay clear of debt with this list of credit card do’s and don’ts. See also Spanish version #cr-1980.
article 06/30/2008
cr-1593
FICO vs. VantageScore: What's the Difference?
Use this article to help members understand the differences between a FICO credit score and VantageScore.
article 06/30/2008
cr-231
Be Smart About Credit Cards
Give members in their late teens and early 20s the hard facts about credit cards so they don't have to learn the hard way.
article 06/26/2008
cr-294
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.
article 06/26/2008
cr-317
Audio Response
Spell out the benefits and encourage use of your CU's phone access to accounts.
article 06/26/2008
cr-606
Reduce Credit Card Debt: Pay Biweekly
Help members pay off credit card debt quickly by suggesting biweekly payments.
article 06/26/2008
cr-1427
Ways to Boost Your Credit Score
Use this article to inform members about how they can improve their credit scores.
article 06/25/2008
cr-303
Debit or Credit--What to Choose and When
Help members determine the wisest answer to the cashier question, "Is that debit or credit?"
article 06/24/2008
cr-452
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.
article 06/24/2008
cr-635
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.
article 06/24/2008
cr-478
Cash In, Wherever You Are
Remind members that with your credit union's ATM card their money is as close as the nearest ATM.
ad 06/17/2008
cr-572
Window Shopping Can Damage Your Credit
Tell members to avoid damaging credit scores by not applying for too many loans.
article 06/17/2008
cr-1463
Our Rates Are Better
Remind members about your low credit card rates.
ad 06/17/2008
cr-204
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.
article 06/12/2008
cr-206
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.
article 06/12/2008
cr-1928
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.
article 06/01/2008
cr-286
NFCC Provides Online Credit Counseling
Direct members to a Web site that provides private credit counseling--one way to curb bankruptcy filings.
article 05/30/2008
cr-1927
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.
article 05/01/2008
cr-910
Put Debt in Perspective
The news would have us believe we’re all in debt up to our necks; there’s more to the story than headlines suggest.
article 05/01/2008
cr-470
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.
ad 04/01/2008
cr-1878
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.
ad 03/28/2008
cr-1884
Rebuilding Good Credit
Use this resource box with articles about rebuilding a good credit history.
resource box 02/27/2008
cr-1887
When a 'Free' Credit Report Is Not Really Free
Use this Q & A to help prevent members from falling victim to bogus or misleading Web sites offering free credit reports.
article 02/27/2008
cr-1695
VantageScore vs. FICO Score
Use this illustration to show members the factors that contribute to different credit scoring methods.
chart 01/02/2008
cr-1834
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.
article 01/02/2008
cr-87
Credit Trap
Don't let credit card debt trap you. Visit the credit union for information about wise credit use and money management.
spot art 01/01/2008
cr-318
Basic Steps to Financial Fitness
Get members on track to reach their financial goals with these savings and debt-reduction guidelines.
article 01/01/2008
cr-407
Free Yourself From Debt
Help members resist the bankruptcy trap by better managing credit.
ad 01/01/2008
cr-408
Remember: You Closed the Account
Tell members that when they close an account, the credit bureau should know too.
tip 01/01/2008
cr-594
Credit Counselors Help Before You Get in Too Deep
Help members control debt by using a credit counseling service vs. filing for bankruptcy.
article 01/01/2008
cr-665
Seeking Help in a Crowded Field: Check Out Credit Counselors
Inform members about how credit counseling agencies can help them manage their finances and how to know if a credit counseling agency is legit.
article 01/01/2008
cr-801
Middle-aged Caucasian male cutting up credit cards
Middle-aged Caucasian male cutting up credit cards.
photo 01/01/2008
cr-802
Middle-aged Caucasian male throwing away credit card
Middle-aged Caucasian male throwing away credit card.
photo 01/01/2008
cr-950
Nail Credit Workout Details
Give your members tips on what to ask a credit-counseling agency before signing up for a debt-workout program.
tip 01/01/2008
cr-1195
Stagger Free Credit Reports Throughout the Year
Advise members to stagger their requests for free credit reports throughout the year to monitor for signs of identity theft.
tip 01/01/2008
cr-1324
Employers Use Credit Reports to Hire and Fire
Alert members that employers increasingly check applicants’ credit histories during the hiring process.
article 12/31/2007
cr-1371
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.
article 12/30/2007
cr-1377
Check for Common Errors in Credit Reports
Use this tip to tell members what common errors to look for in their credit reports.
tip 12/30/2007
cr-1368
Spot Art: Credit report with magnifying glass
Use this image—of a man and woman holding a magnifying glass—to encourage members to examine their credit reports for errors.
spot art 12/21/2007
cr-752
Calculate Your Debt-to-Income Ratio
This guide gives members the tools to figure their debt-to-income ratio.
article 11/02/2007
cr-1819
Know What You Owe
Encourage members to fill out this chart to find out how much they really owe to debtors.
chart 11/02/2007
cr-1808
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.
article 09/27/2007
cr-1847
Credit Savvy Key to Avoiding Costly Missteps
Use this article to help members avoid costly credit mistakes.
article 09/05/2007
cr-1319
Credit report spot art
Use this spot art with articles about credit and credit reports.
spot art 09/01/2007
cr-1496
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.
spot art 09/01/2007
cr-911
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.
article 08/01/2007
cr-1314
Spot Art: Web Address for Free Credit Reports
Use this image to make sure members know where to get a credit report. Use with corresponding article ID# cr-1324.
spot art 07/26/2007
cr-297
Making Sense of Plastic Promos
Members will see the clear advantage of a credit union credit card after learning how to evaluate card promotions.
article 07/01/2007
cr-1466
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.
article 07/01/2007
cr-1795
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.
article 06/29/2007
cr-1553
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.
spot art 06/07/2007
cr-1739
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.
tip 05/30/2007
cr-1740
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.
tip 05/30/2007
cr-54
Second Take--Your Credit Record
Your credit union offers members a second take at getting finances in shape or back on track.
spot art 05/05/2007
cr-590
Beware of Money-Hungry Credit Counselors
Warn members about credit counselors that charge fees, and give them advice about finding a reputable credit counselor.
article 05/01/2007
cr-39
Debit Card Can Be Alternative to Cash
A credit union debit card is a safe, convenient alternative to carrying cash.
spot art 04/02/2007
cr-59
No Surcharge
Alert ATM users that your ATM doesn't impose a surcharge.
spot art 04/02/2007
cr-161
No Surcharge
Tell members your credit union does not charge a surcharge fee on certain ATM transactions.
spot art 04/02/2007
cr-1658
VantageScore vs. FICO Score
Provide these pie charts to members to compare the factors that make up both VantageScore and FICO scores.
chart 03/27/2007
cr-1680
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.
article 03/27/2007
cr-1676
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.
article 03/01/2007
cr-1679
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.
article 03/01/2007
cr-614
Reduce Credit Card Debt: Pay Biweekly
Help members pay off credit card debt quickly by suggesting biweekly payments.
article 01/01/2007
cr-1622
How to Pick the Right Card for College
Use this article to guide college students in the right direction when considering a credit card.
article 12/27/2006
cr-1626
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
tip 12/27/2006
cr-1630
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.
tip 12/27/2006
cr-1625
Señales que Tienes Demasiadas Deudas (Warning Signs You May Have Too Much Debt)
Use this resource box with articles about consumer credit and debt for your Hispanic members.
resource box 11/30/2006
cr-1502
Warning Signs You Have Too Much Debt
Use this resource box in articles about consumer credit and debt.
resource box 09/29/2006
cr-1592
The Purchasing Power of a Strong Credit History
Use this article to inform members about the importance of a strong credit history.
article 09/29/2006
cr-1500
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.
resource box 09/01/2006
cr-1515
El Debate de las Tarjetas de Débito: El dilema a la hora de pagar revela grandes diferencias (Debit Card Debate: Check-out line dilemma reveals real differences)
Use this article to inform Hispanic members about when to choose “credit” or “debit” at the checkout lane. Revised from English version #cr-1597.
article 09/01/2006
cr-1519
Don't Pay Extra for That Soda
Use this tip to warn members about minimum purchase violations.
tip 09/01/2006
cr-1501
How to Order Your Credit Report
Use this resource box with articles about consumer credit reports.
resource box 07/31/2006
cr-1597
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.
article 06/07/2006
cr-1555
Credit on Ice Doesn’t Thaw Quickly
Explain what freezing credit files means and tell members the pros and cons of doing so.
article 06/07/2006
cr-1557
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.
tip 06/07/2006
cr-1565
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.
article 06/07/2006
cr-1420
Credit score
Use this spot art with articles about how members can improve their credit scores. Use with corresponding article ID #cr-1427.
spot art 03/01/2006
cr-1416
Leave the Counseling to Us
Sway members away from the bad guys and urge them to visit your credit union for credit counseling.
ad 01/24/2006
cr-1423
Leave the Counseling to Us
Sway members away from the bad guys and urge them to visit your credit union for credit counseling.
article 01/24/2006
cr-1433
Errores Comunes en su Reporte de Crédito le Pueden Costar (Common Credit Report Mistakes Could Cost You)
Inform Hispanic members about common errors to look for in their credit reports and why they should order reports from the “big three” credit reporting agencies.
article 01/24/2006
cr-1383
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.
article 12/21/2005
cr-1398
Direct Mail Letter: Credit Cards
Use this direct mail piece to explain the benefits of your credit card program.
direct mail 12/21/2005
cr-1357
Prudent Credit Makes for Prosperity
Use this essay to inform members about the positive role of credit in our society.
article 10/27/2005
cr-1385
Evaluación de su Deuda Personal: Su Salvavidas Financiero (A Personal Debt Assessment: Your Financial Life Preserver)
Use this article with Hispanic members to encourage them to come in for a debt assessment—before they get into trouble. Corresponds with English versión ID #cr-1322.
article 10/27/2005
cr-1395
Plastic Transactions Speed Checkout, Offer More Protection
Inform members of the benefits of signature-based debit card and credit card transactions.
article 10/27/2005
cr-1322
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.
article 09/30/2005
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.
chart 07/26/2005
cr-1321
Universal Default: The High Price of a Missed Payment
Use this article to inform young adults about what the universal default clause is and how it affects them.
article 07/26/2005
cr-1323
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.
article 07/26/2005
cr-1248
Be Smart About Campus Credit Card Solicitors
Tell college-bound members and their parents about the risks of signing up for a credit card on campus just to get a “freebie.” Use with corresponding ad ID #ed-1243 and tip ID #cr-1265.
article 05/25/2005
cr-1265
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.
tip 05/25/2005
cr-1233
FICO Introduces New Credit Score
This article describes the FICO Expansion credit score.
article 04/29/2005
cr-1276
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.
article 04/07/2005
cr-1183
Debit Cards: Keep Those Records
Tell members about the importance of good record keeping when using their debit cards.
article 03/29/2005
cr-1138
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.
article 12/16/2004
cr-1139
Photo of credit card (mouse) trap
Use this photo of a credit card (mouse) trap with articles that warn of bank-issued cards with hidden fees and high costs. Use with corresponding article ID #cr-1132.
photo 11/29/2004
cr-1171
We Love Our Debit Cards
Debit cards are popular for a reason. This article explains why.
article 11/29/2004
cr-999
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.
article 05/26/2004
cr-1015
Card-Carrying 21-Year-Olds
This table reports details about college students and credit cards.
ad 05/26/2004
cr-972
What the New Debit Purchase Rules Mean for Consumers
Use this article to inform members of the new rules for debit card purchases following the 2004 lawsuit settlement between merchants and major card companies.
article 05/01/2004
cr-1000
Gift Cards Keep Giving--But Not Always to You
Let your members know the ins and outs of gift cards.
article 05/01/2004
cr-874
The Incredible Shrinking Grace Period
Credit card companies are squeezing customers by shrinking the grace period, making it more difficult for consumers, even those who pay off their balance regularly, to avoid interest charges.
article 01/01/2004
cr-923
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.
article 12/01/2003
cr-712
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.
tip 04/01/2003
cr-713
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.
ad 04/01/2003
cr-714
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.
ad 04/01/2003
cr-293
Stop Paying Too Much for Credit Cards
Bank-issued card users are paying billions too much. Credit union cards average three percentage points lower.
article 04/02/2001
CU Topics
IDTitleFormatPub Date
cut-1349
Happy Credit Union Day 2009
Use this article to promote International Credit Union Day 2009. Use with corresponding ICU Day items cut-1347, cut-1348, cut-1800, cut-1801, cut-1802, cut-1803, and cut-2009.
article 08/05/2009
cut-2158
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.
article 07/01/2009
cut-2167
Direct mail letter to nonmembers about the benefits of joining your credit union
This direct mail letter talks to nonmembers about the benefits of credit union membership. Corresponds with article #cut-2158.
direct mail 07/01/2009
cut-2139
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.
ad 05/04/2009
cut-2166
Direct Mail Letter: Lean On Us
Use this direct mail piece to let members know that your credit union is ready to assist them during these tough economic times.
direct mail 05/04/2009
cut-316
Credit Unions Top Satisfaction Survey
And the survey says … it's great to be a credit union member.
article 04/01/2009
cut-510
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.
article 04/01/2009
cut-2106
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.
article 04/01/2009
cut-2168
Spot art of Credit Committee Report Header for Annual Meeting
Use this spot art of "Credit Committee Report" for your annual meeting materials.
spot art 03/04/2009
cut-2169
Spot art of Supervisory Committee Report Header for Annual Meeting
Use this spot art of "Supervisory Committee Report" for your annual meeting materials.
spot art 03/04/2009
cut-2170
Spot art of Finance Report Header for Annual Meeting
Use this spot art of "Finance Report" for your annual meeting materials.
spot art 03/04/2009
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Credit Union Accounts Insured to $250,000
Tell members about the increased insurance coverage amounts for credit union accounts.
tip 02/02/2009
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We're Here for You
Reassure your members they can come to you for help in tough economic times or any time.
tip 02/02/2009
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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.
article 01/06/2009
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Spot art of family tree
Use this spot art to encourage the whole family to visit the credit union.
spot art 12/18/2008
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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.
article 12/16/2008
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We Are Where You Are
If your credit union is a member of the shared branching network, use this article to tout the benefits--especially the benefit of convenience.
article 12/03/2008
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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.
spot art 11/03/2008
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Credit Unions Serve Consumers for 100 Years
Even though your credit union is not 100--yet--celebrate this service milestone with your members and credit unions around the country. Use with corresponding spot art #cut-2067. For more information, please go to http://cuna.org/100years/.
article 11/03/2008
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Billion-Dollar Banks Dwarf Billion-Dollar Credit Unions
Use this chart to show how billion-dollar banks dwarf billion-dollar credit unions.
chart 11/03/2008
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Small Banks Have More to Fear From Fast-Growing Megabanks Than From Credit Union Competition
Use this chart to show that small banks have more to fear from fast-growing megabanks than from credit union competition. Use with corresponding article ID #1130.
chart 11/03/2008
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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.
ad 10/08/2008
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Why Do Credit Unions Talk Funny?
Defines common credit union terms and explains why they're used and the differences they represent.
article 10/07/2008
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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.
article 10/07/2008
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Your Credit Union Accounts Are Safe, Insured
Assure your members that their money is safe at your credit union.
article 10/07/2008
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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.
direct mail 10/07/2008
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Feliz Día de las Cooperativas de Ahorro y Crédito 2008 (Happy Credit Union Day 2008)
Use this article to promote International Credit Union Day 2008 to your Hispanic members. Use with corresponding logo IDs #cut-1347, cut-1801, cut-1802, cut-1803, article #cut-1349, and poster IDs #cut-1348 and cut-1800.
article 09/02/2008
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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.
spot art 08/01/2008
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Spot art for the Little Guy
Remind your members that their credit union's philosophy is to stand up for its members with this art of the Little Guy.
spot art 08/01/2008
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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.
article 07/14/2008
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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.
article 07/07/2008
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Financial Steps to Take After a Disaster
Let members know that their money is safe with your credit union, even in times of uncertainty.
article 07/07/2008
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.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.
article 07/07/2008
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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.
article 07/03/2008
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The National Credit Union Foundation
This article describes the National Credit Union Foundation's programs and its mission.
article 07/01/2008
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United We Stand--America's Credit Unions
Let members know that through good times and bad, the credit union community stands together.
spot art 06/30/2008
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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 first .gif graphic listed [1941_2.gif] is an animated banner.)
spot art 06/30/2008
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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.)
spot art 06/30/2008
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Bank Profits Soar
Clear up claims about bankers’ profits suffering from credit union competition with this chart.
chart 06/30/2008
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$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.
chart 06/30/2008
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E-Services Mean Maximum Convenience
Inform members about the benefits of using electronic services
ad 06/24/2008
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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.
spot art 06/23/2008
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Remember to Vote
Encourage members to vote--for board of directors or local candidates--with this art.
spot art 06/23/2008
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We Offer IRnet Services
Use this art to let your Hispanic members know that you offer IRnet services.
spot art 06/18/2008
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Take Your Credit Union With You -- Once a Member, Always a Member
Members can take credit union services along when they move; once a member, always a member.
spot art 06/17/2008
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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.
spot art 06/17/2008
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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.
spot art 06/17/2008
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Together Members Can Do Anything
Invite members to take part in their credit union's future by attending the annual meeting.
ad 06/17/2008
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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.
ad 06/17/2008
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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.
ad 06/17/2008
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Employee Benefit
Give this ad to your sponsor (including all select employee groups) for their newsletter or other employee correspondence to increase member penetration within SEGs.
ad 06/17/2008
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Discover the Cooperative Difference
Remind members that credit unions, unlike for-profit financial institutions, are democratically controlled financial cooperatives.
ad 06/17/2008
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Service in Your Slippers
Encourage members to use your 24-hour online banking service with this ad.
ad 06/17/2008
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Service in Your Slippers
Banking (at the credit union, of course!) in your slippers--this photo demonstrates the convenience of online banking.
photo 06/17/2008
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financial adviser with Caucasian couple
Caucasian male financial adviser with Caucasian couple--couple facing camera.
photo 06/17/2008
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Caucasian male financial adviser with Caucasian couple
Caucasian male financial adviser with Caucasian couple--adviser facing camera.
photo 06/17/2008
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Caucasian male adviser with Caucasian female client
Caucasian male adviser with Caucasian female client.
photo 06/17/2008
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Caucasian female adviser with African American couple
Caucasian female adviser with African American couple; side view.
photo 06/17/2008
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We Welcome You
Use this art to tell welcome your members.
spot art 06/17/2008
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Open Sign
Use this art when posting your "open" sign.
spot art 06/17/2008
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Hours of Operation
Use this art to tell your members about your hours of operation.
spot art 06/17/2008
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We Speak Spanish Here
Use this art to let your Hispanic members know that you speak Spanish at your credit unions.
spot art 06/17/2008
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We Offer Education Classes Here
Use this artwork to let your Hispanic members know that you offer educational classes.
spot art 06/17/2008
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We Accept the Matricula Card
Use this art to let your Hispanic members know that you accept the Matricula card.
spot art 06/17/2008
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We Welcome You
Use this art to let you Hispanic members know that they are welcome at your credit unions.
spot art 06/17/2008
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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.
article 06/17/2008
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FEE-Fi-Fo-Fum--CU Low Fees
Share draft accounts are a good deal for members and credit unions. Members get dividends and low fees; credit unions get members who are nearly six times as likely to use the credit union as their primary financial institution.
ad 06/17/2008
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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.
ad 06/16/2008
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Your Credit Union: It’s a Family Affair
Let members know that their whole family can join your credit union and enjoy the credit union services and savings.
article 06/16/2008
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Help Direct the Future
Recruit members for your board of directors with this ad.
ad 06/16/2008
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Su Cooperativa: Es un Asunto Familiar -- Your Credit Union: It’s a Family Affair
Let members know that their whole family can join your credit union and enjoy the credit union services and savings.
article 06/16/2008
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Credit Unions Meet Families' Needs
Let your members know that your credit union can meet entire families' needs.
spot art 06/12/2008
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Credit Union Membership is Worth Hundreds
Credit union members earn more on savings and pay less for services than bank customers.
article 06/10/2008
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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.
ad 06/01/2008
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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.
article 05/14/2008
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What’s Behind Credit Union Rate Decisions
Share the philosophy and business rationale between your rate-setting decisions with members.
article 05/14/2008
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What’s in It for You?
Welcome new credit union members, from SEGs or the community, and describe a few of the benefits they’ll receive by joining your credit union.
ad 05/14/2008
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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.
article 05/14/2008
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Yes, You Can Be a Member
Use this ad to let people know they can become members of your credit union and the advantages of a community-chartered credit union.
ad 05/14/2008
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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.
article 05/14/2008
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Ride the Credit Union Wayback Machine
Reinforce credit union principles by showing members when, how--and why--credit unions got started.
article 05/01/2008
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A Meeting With a Difference
Invite members to your annual meeting and emphasize that when they participate, the entire credit union benefits.
article 05/01/2008
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Online Banking Conveniences
Announce online banking to your members, and explain your safety features and common safe practices.
article 05/01/2008
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Let's All Cooperate
Explain the seven basic principles of all cooperatives and reinforce the fact that your credit union is a cooperative.
article 05/01/2008
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Share the Benefits of Credit Union Membership
Encourage members to let their loved ones know the benefits of belonging to a credit union.
article 05/01/2008
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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.
article 05/01/2008
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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.
article 05/01/2008
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Credit Committee Report Spot Art
Use this spot art of "Credit Committee Report" for your annual meeting materials.
spot art 02/01/2008
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Supervisory Committee Report Spot Art
Use this spot art of "Supervisory Committee Report" for your annual meeting materials.
spot art 02/01/2008
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Finance Report Spot Art
Use this spot art of "Finance Report" for your annual meeting materials.
spot art 02/01/2008
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Times Have Changed, but Our Service Hasn't
Promote the convenience of your automated phone system without losing the personal touch.
ad 01/01/2008
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Help Direct the Future
Recruit members for your board of directors with this article.
article 01/01/2008
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Get Out the Vote!
Use this article to persuade your members to vote and guide them to CUNA’s Web site for simple online registration.
article 01/01/2008
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My Credit Union--I Own It License Plate
Use this spot art to promote credit union member-ownership.
spot art 12/27/2007
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My Credit Union--I Belong License Plate
Use this spot art to promote credit union membership.
spot art 11/30/2007
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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.
ad 11/29/2007
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Open Sundays
Use this ad to encourage members to take advantage of your credit union's Sunday hours.
ad 11/02/2007
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Spot art -- Extended Hours
Use this spot art to encourage members to take advantage of your credit union's extended hours.
spot art 11/02/2007
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El programa ‘CU Locate’ nos Ayuda a Conectarnos en Situaciones de Desastre (CU Locate Helps Us Connect in Disaster Situations)
Use this article to tell Hispanic members how to access information about your credit union in case of a natural disaster. See also English version of article ID #cut-1780.
article 11/02/2007
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What Is a Credit Union?
Use this art when designing your credit union's Web site.
spot art 11/01/2007
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Rates
Use this art when designing your credit union's Web site.
spot art 11/01/2007
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Colored IRnet
Use this logo to let members know that you offer IRnet services at your CU (color).
spot art 11/01/2007
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Clip art of Edward Filene
Use this spot art to show members Edward Filene, an important player in the credit union movement.
spot art 10/30/2007
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Clip art of Alphonse Desjardins
Use this image to show members an important player in the credit union movement, Alphonse Desjardins.
spot art 10/30/2007
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Report
Use this art when designing your credit union's Web site or conventional newsletter.
spot art 10/01/2007
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Notes
Use this art when designing your credit union's Web site or conventional newsletter.
spot art 10/01/2007
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Manager's Desk
Use this art when designing your credit union's Web site or conventional newsletter.
spot art 10/01/2007
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Spot Art: License Plate I(heart)MYCU
Use this image of a license plate--with ILOVEMYCU--to promote credit union membership.
spot art 09/29/2007
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Newsletter Header
Use this nameplate when designing your credit union newsletter.
spot art 09/01/2007
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Newsletter Header
Use this nameplate when designing your credit union newsletter.
spot art 09/01/2007
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Ensuring a Smooth Move
Remind members that even when they move, they’ll always be credit union members.
article 09/01/2007
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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.
article 08/30/2007
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Why Credit Unions Aren't Banks
Tell your members how credit unions are different from banks.
article 08/01/2007
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Annual Report
Use this emblem in your annual report.
spot art 07/01/2007
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President's Report
Use this emblem in your annual report to highlight a report from your president.
spot art 07/01/2007
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Chairman's Report
Use this emblem in your annual report to highlight a report from your chairman.
spot art 07/01/2007
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Treasurer's Report
Use this emblem in your annual report to highlight a report from your treasurer.
spot art 07/01/2007
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Committee Report
Use this emblem in your annual report to highlight a report from your committee chairs.
spot art 07/01/2007
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Supervisory Committee Report
Use this emblem in your annual report to highlight a report from your supervisory committee.
spot art 07/01/2007
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Celebrate 20 Years
Celebrate your credit union's history by using this banner with your logo during your 20th anniversary year.
spot art 07/01/2007
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Celebrate 50 Years
Celebrate your credit union's history by using this banner with your logo during your 50th anniversary year.
spot art 07/01/2007
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Celebrate 60 Years
Celebrate your credit union's history by using this banner with your logo during your 60th anniversary year.
spot art 07/01/2007
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Celebrate 25 Years
Celebrate your credit union's history by using this banner with your logo during your 25th anniversary year.
spot art 07/01/2007
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Celebrate the Fourth of July
Make your credit union a star this July 4th, and announce your holiday hours.
spot art 07/01/2007
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Labor Day
Work this Labor Day art into an ad saluting your sponsor's workers or use it to publicize your holiday hours.
spot art 07/01/2007
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10th Anniversary
Is your credit union celebrating its 10-year anniversary? Then this art is for you.
spot art 07/01/2007
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20th Anniversary
Is your credit union celebrating its 20-year anniversary? Then this art is for you.
spot art 07/01/2007
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25th Anniversary
Is your credit union celebrating its 25-year anniversary or other significant milestone soon? Then this art is for you.
spot art 07/01/2007
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30th Anniversary
Is your credit union celebrating its 30-year anniversary? Then this art is for you.
spot art 07/01/2007
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40th Anniversary
Is your credit union celebrating its 40-year anniversary? Then this art is for you.
spot art 07/01/2007
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50th Anniversary
Is your credit union celebrating its 50-year anniversary? Then this art is for you.
spot art 07/01/2007
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Hours of Operation
Use this signage to display your hours of operation.
spot art 07/01/2007
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Open Sign
Use this signage to let members know the credit union is open.
spot art 07/01/2007
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Closed Sign
Use this signage to let members know the credit union is closed.
spot art 07/01/2007
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Newsletter Header
Use this nameplate when designing your credit union newsletter.
spot art 07/01/2007
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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.
spot art 07/01/2007
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Today's Rates
Use this signage to show members today's rates.
spot art 07/01/2007
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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.
ad 06/29/2007
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Closed Sign
Use this art to let your credit union members know that you're closed.
spot art 06/17/2007
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We’re here to serve you
Use this poster to let Hispanic individuals in the community know that your credit union welcomes their business.
spot art 06/17/2007
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Home & Family Finance Radio logo
Use this graphic with articles about Home & Family Finance Radio, aired Sundays at 3 p.m. EST on the Radio America Network. Use with corresponding photo ID #cut-1726 and article ID #cut-1735.
spot art 05/30/2007
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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.
spot art 05/30/2007
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Tune In for Talk About Your Money
Invite your members, board, and staff to tune in to Home & Family Finance Radio, the weekly personal finance radio show from America's Credit Unions. Use with corresponding spot art ID# cut-1723 and photo ID# cut-1726.
article 05/30/2007
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Credit Union Members Belong
This art reminds members that they're more than just "customers."
spot art 04/02/2007
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The Little Man Under the Umbrella
Explain your history and philosophy with this historic credit union art.
spot art 04/02/2007
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Round-the-Clock Service
Highlight the convenience of your round-the-clock services.
spot art 04/02/2007
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Open Sign
Use this art to tell your members that the credit union is open.
spot art 04/02/2007
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Closed Sign
Use this art to tell your members that the credit union is closed.
spot art 04/02/2007
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Project Differentiation
Enhance your Statement of Commitment to Members with this art.
spot art 04/02/2007
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The Credit Union Difference
Enhance your Statement of Commitment to Members with this art.
spot art 04/02/2007
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Credit Unions Are #1
Remind your members that credit unions are meant to serve their members, and they are known for achieving high customer satisfaction.
spot art 04/02/2007
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Familia
Use this spot art with articles targeted to the Hispanic audience.
spot art 03/01/2007
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Spot Art of Annual Meeting Header for President’s Report
Use this spot art of president’s report for your annual meeting materials.
spot art 01/28/2007
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Spot Art of Annual Meeting Header for Chairman’s Report
Use this spot art of chairman’s report for your annual meeting materials.
spot art 01/28/2007
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Spot Art of Annual Meeting Header for the Annual Report
Use this spot art of annual report for your annual meeting materials.
spot art 01/28/2007
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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.
spot art 01/28/2007
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President's Report spot art
Use this spot art of president’s report for your annual meeting materials.
spot art 01/26/2007
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Chairman's Report spot art
Use this spot art of chairman’s report for your annual meeting materials.
spot art 01/26/2007
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Treasurer's Report spot art
Use this spot art of treasurer’s report for your annual meeting materials.
spot art 01/26/2007
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Committee Report spot art
Use this spot art of committee report for your annual meeting materials.
spot art 01/26/2007
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Annual Meeting spot art
Use this spot art of annual meeting for your annual meeting materials.
spot art 01/26/2007
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Annual Report spot art
Use this spot art of annual report for your annual meeting materials.
spot art 01/26/2007
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Volunteers
Your member volunteers are just one of the many reasons credit unions are special. Use this art to attract volunteers or salute volunteer efforts.
spot art 01/01/2007
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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.
spot art 01/01/2007
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Annual Meeting Reminder
Remind members to join you for your annual meeting with this art.
spot art 01/01/2007
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Volunteers Are Important
Show your volunteers how much they're appreciated; use this art to advocate volunteerism.
spot art 01/01/2007
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Banks Are the Bullies On the Block
Members are hearing about banker attacks on credit unions in the press. Use this article to make sure they get the straight story from you and not from bank trade associations.
ad 09/29/2006
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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.
chart 07/05/2006
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Together We’ll Help a Good Cause
Tell potential members that you’ll make a donation to a specific charity if they open an account at your credit union. Doing this will show them you care about people and the community.
article 07/05/2006
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Bring Us Your No-Account Relative
Encourage your members to bring their relatives to your credit union to join.
ad 07/05/2006
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Quick Quiz
This Quick Quiz dispels the myth that credit unions and banks are the same and shows that voting rights make credit unions different from banks.
ad 07/05/2006
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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.
ad 05/26/2006
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Quick Quiz
This Quick Quiz makes the point that members are owners at their credit union; at a bank, they’re just customers.
ad 04/25/2006
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Shared Branching: Convenience is No. 1
Explain what shared branching is and let members know that you’re part of a shared-branching network.
ad 01/24/2006
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Shared Branching: We’re Looking Out for You
Explain what shared branching is and let members know that you’re part of a shared-branching network.
article 01/24/2006
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Direct Mail Letter: Inactive Accounts
Use this direct mail piece to notify members of their inactive accounts and your credit union policy about them.
direct mail 12/21/2005
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Direct Mail Letter: New Member/Checking Account
Use this direct mail letter to welcome new members and explain the benefits of your checking account.
direct mail 12/21/2005
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Moving? Your Credit Union is Ready to Go
Remind members that even if they move, they still can belong to the credit union.
tip 07/26/2005
cut-1335
Once a Member, Always a Member
Remind members--including military members--that if they move, they still can belong to the credit union.
tip 07/26/2005
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Share the Good News and the Wealth
Tell family members, friends, and co-workers about the benefits of belonging to a credit union.
ad 06/28/2005
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La diferencia de las cooperativas de ahorro y crédito: Satisfaciendo muchas necesidades (The CU difference: Reaching out to those in need)
Use this article in Hispanic newsletters to inform members how credit unions across the country reach out to low- and moderate-income members to improve financial well being. Translated from article ID #cut-1161.
article 06/28/2005
cut-1169
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.
article 01/28/2005
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Spot Art of Annual Meeting Header for Treasurer’s Report
Use this spot art of treasurer’s report for your annual meeting materials.
article 01/28/2005
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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.
chart 01/28/2005
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Yes, You Can Be a Member
Use this article to let people know they can become members of your credit union and the advantages of a community-chartered credit union.
article 05/01/2004
cut-952
Community Charter Benefits
Use this tip to let people know the advantages of a community-chartered credit union.
tip 05/01/2004
cut-978
Lobby
Use this photo to remind members that your credit union is eager to serve them and their families.
photo 03/01/2004
cut-985
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.
ad 02/01/2004
cut-875
Inactive Account Direct Mailer
Use this direct mail piece to notify members of their dormant accounts and your credit union policy about them.
direct mail 01/01/2004
cut-920
“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.
article 12/01/2003
cut-839
Annual meeting direct mail letter
Invite members to your credit union’s annual meeting with this direct mail letter.
direct mail 09/01/2003
cut-741
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.
direct mail 06/01/2003
cut-577
Join Us for Your Annual Meeting
Tell members about your annual meeting and the benefits of attending.
ad 02/01/2002
cut-535
What Is a Credit Union?
Use this art when designing your credit union's Web site.
spot art 12/01/2001
cut-536
To Join
Use this art when designing your credit union's Web site.
spot art 12/01/2001
cut-537
Design for CU Web site
Use this art when designing your credit union's Web site.
spot art 12/01/2001
cut-539
Art for designing a CU Web site
Use this art when designing your credit union's Web site.
spot art 12/01/2001
cut-540
What's New
Use this art when designing your credit union's Web site.
spot art 12/01/2001
cut-541
Credit Union News
Use this art when designing your credit union's Web site.
spot art 12/01/2001
cut-542
Services and Products
Use this art when designing your credit union's Web site.
spot art 12/01/2001
cut-543
Rates
Use this art when designing your credit union's Web site.
spot art 12/01/2001
cut-544
Under Construction
Use this art when designing your credit union's Web site.
spot art 12/01/2001
cut-546
What Is a Credit Union?
Use this art when designing your credit union's Web site.
spot art 12/01/2001
cut-106
Full-Family Membership
Make sure members know their whole family belongs at the credit union.
spot art 04/02/2001
cut-338
Safe Deposit Box
Let members know their valuables are safe with a credit union safe deposit box.
spot art 04/02/2001
cut-361
Credit Unions Meet Families' Needs
Let your members know that your credit union can meet entire families' needs.
spot art 04/02/2001
cut-362
Credit Unions Meet Families' Needs
Let your members know that your credit union can meet entire families' needs.
spot art 04/02/2001
cut-427
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.
article 04/02/2001
Education & College
IDTitleFormatPub Date
ed-2160
Have You Considered a Community College?
With education costs on the rise, many students are turning to lower-priced community colleges. Inform college-age members about this option and what to consider when choosing their educational path.
article 06/01/2009
ed-2128
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.
article 03/04/2009
ed-2037
Buscando Oro: Como Encontrar Becas Universitarias (Digging for Gold: How to Find College Scholarships)
Use this article to inform prospective undergrads where to look for scholarships and give them tips to improve their chances of landing one. See also corresponding English version of article at ed-703.
article 01/06/2009
ed-435
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.
tip 01/01/2009
ed-2050
Postcollege Life Requires Financial Transition
Encourage parents to use this postcollege checklist to help graduates during their financial transition.
article 12/18/2008
ed-2036
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.
article 12/03/2008
ed-2046
Paying for Graduate School
Inform members about free money and loan options for financing graduate school.
article 12/03/2008
ed-2064
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
article 12/03/2008
ed-1190
What New Grads Need to Know About Money
Use this article to inform members what money skills young adults need to know before they’re on their own.
article 11/07/2008
ed-2039
Student Loan Shopping Can Lower Your Credit Score
Caution student loan seekers that comparison shopping could affect their credit score.
tip 11/03/2008
ed-738
Struggling to Pay College Expenses? Your Credit Union Can Help
Tell members you can help them foot the bill for college with a private education loan.
ad 11/01/2008
ed-1370
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.
article 10/30/2008
ed-1414
Want to Be an Entrepreneur? Your Credit Union Can Help
Two-thirds of college students expect to be entrepreneurs at some point during their careers. Post this ad at local college campuses to steer college-age entrepreneurs to the credit union, or use it for any small-business person.
ad 10/30/2008
ed-1573
Welcome to Campus!
Use this ad to let college students know what services your credit union offers.
ad 10/30/2008
ed-1574
College Prep 101
Use this article to help incoming college students prepare for the school year.
article 10/30/2008
ed-1576
“Budget” Is Not a Four-Letter Word
Use these tips to inform college students about what they can do to stick to their budget.
tip 10/30/2008
ed-1577
Direct Mail Letter: Gen Y Products and Services
Use this direct mail piece to notify Gen Y members about the young adult programs and services you offer.
direct mail 10/30/2008
ed-1981
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.
article 09/26/2008
ed-1187
Gift Cards Make the Perfect Graduation Gift
Gift cards make great graduation gifts. Tell members how to make gift card purchases carefully.
article 09/22/2008
ed-2004
Paying for Grad School
Inform members about free money and loan options for financing graduate school.
article 09/02/2008
ed-746
Get More Money for Your Old Textbooks
In addition to rising tuition costs, students face hefty textbook bills. Want to cut some of those book expenses? Sell your used textbooks on Amazon.com--this article explains how.
article 07/14/2008
ed-893
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.
article 07/14/2008
ed-1072
Tips for Parents of College-Bound Students
Parents of college-bound students will benefit from these tips to teach financial independence.
article 07/10/2008
ed-458
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 06/19/2008
ed-262
Learn More, Earn More
Show young members and their families the value of a college education with median earnings from high-school dropouts to advanced degrees; article also directs families to your credit union to save for college.
article 06/17/2008
ed-390
Tip: Qualifying for College Aid
Don't assume your income is too high to make your son or daughter eligible for financial aid.
ad 06/17/2008
ed-447
Hardly a Revolutionary Idea
Let members know that you're there to help with student loans.
ad 06/17/2008
ed-567
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.
article 06/17/2008
ed-630
CU Scholarships for You
Let your members know that your credit union offers scholarships to help with their or their families’ education needs.
article 06/17/2008
ed-705
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.
article 06/17/2008
ed-718
Plan Ahead to Get College Financial Aid
The financial aid process is simplified by early decision making. This article provides a timeline for parents and students to use when applying for aid.
article 06/17/2008
ed-900
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.
article 06/17/2008
ed-246
We Can Help You Pay for College
Introduce college-bound members--and their parents--to Stafford, PLUS, and home equity loan options to foot the college bill.
article 06/01/2008
ed-295
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.
article 06/01/2008
ed-703
Digging for Gold: How to Find College Scholarships
Use this article to inform prospective undergrads where to look for scholarships and give them tips to improve their chances of landing one.
article 06/01/2008
ed-430
Education IRAs Help Save for College
Explain the benefits of an Education IRA to members and tell them what it can be used for.
ad 05/12/2008
ed-504
Ideas to Stretch Your College Dollars
Tell your members about easy ways to save money in college. Remind them that your credit union offers low-interest student loans and charges fewer fees than banks.
article 04/01/2008
ed-631
The Benefits of Consolidating Student Loans
Inform students about the benefits of loan consolidation.
article 04/01/2008
ed-965
Nine Steps to Financial Success for New Grads
These nine steps will help recent college graduates build a solid foundation for financial independence and success.
article 04/01/2008
ed-1125
Zip it up!
Use this ad to help members simplify their lives--and their budgets--by consolidating their student loans at your credit union.
ad 04/01/2008
ed-693
Cost of College in the Next 20 Years
Use this chart to show members the cost of college in the next 20 years.
chart 03/28/2008
ed-1877
Count On Us to Help You Finance Your Education
Use this ad to encourage college students to seek education loans at the credit union.
ad 03/28/2008
ed-1888
Scholarship Can Be Sweet Deal, But Applicants Must Use Caution
Use this article to alert scholarship candidates to potential scams while encouraging them to apply for scholarships your credit union may offer.
article 03/28/2008
ed-1909
College Cost Act Tweaks Financial Aid Rules
Keep your members informed about the latest changes to rules regarding student financial aid.
article 03/28/2008
ed-1911
Need a Student Loan? Ask [[NAME OF CREDIT UNION]]
Encourage members to get loans for college from their credit union.
article 03/28/2008
ed-1600
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.
article 03/14/2008
ed-1898
Student Loan Consolidation Can Be One-Time Opportunity
Use this article to tell members about the importance of timing when consolidating student loans.
article 01/02/2008
ed-1835
Make the Most of College Campus Visits
Use this article to help prospective college students make the most of their campus visits.
article 01/02/2008
ed-1840
FAFSA: Free Application for Federal Student Aid
This tip tells students when to apply for college financial aid and tells where to find the FAFSA.
tip 01/02/2008
ed-445
Mid-Year Crisis
Make sure your credit union comes to members' minds when they're deciding how to pay for their education.
ad 01/01/2008
ed-1578
College Costs Update
Use this article to inform young members and parents about college costs and what they can expect to pay for a four-year degree.
article 12/05/2007
ed-433
Using Excess Money in Education IRAs
Tell members what they can do if unused money remains in an Education IRA.
tip 09/25/2007
ed-1807
Parents Often Miss Deductions, Credits for College Costs
Use this article to help members stay up-to-date on the latest rules on tax deductions and credits aimed at helping parents pay for higher education.
article 08/30/2007
ed-432
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.
article 07/12/2007
ed-36
Paying for a College Education
When education expenses add up, a loan is as close as the credit union.
spot art 06/19/2007
ed-101
Diploma and Mortar Board
Remind members that your credit union is ready to help with financial transitions--like starting a new job after graduation.
spot art 04/02/2007
ed-1709
Improve Your Eligibility for Financial Aid
Use this article to help parents and students qualify for more financial aid.
article 03/27/2007
ed-1689
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.
direct mail 03/27/2007
ed-1688
Direct Mail Letter to Students: College Loan Programs
Use this direct mail letter--targeted to college students--to let them know about your credit union student loan offerings.
direct mail 03/01/2007
ed-1640
Homeschooling Can Bring Home Cost of Education
Use this article to highlight some homeschooling budget considerations.
article 10/25/2006
ed-1642
Homeschooling on a Budget
Use this article to give members helpful ideas about how to homeschool on a budget.
article 10/25/2006
ed-1579
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.
article 07/31/2006
ed-1535
Coverdell Education Savings Account: Who Can Contribute?
Use this resource box to show members income limits for contributing to a Coverdell Education Savings Account.
resource box 07/05/2006
ed-1419
Student loan repayment options
Use this figure to illustrate the differences among total amounts paid for different student loan repayment plans.
chart 04/01/2006
ed-1440
Ant and Grasshopper Graduate From College
Each spring thousands of college graduates enter the professional working world. Use this article to let young members realize the importance of making informed financial decisions--and how these decisions can have long-term implications.
article 01/25/2006
ed-1429
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.
article 01/24/2006
ed-1359
Parents, We Can Fill the Gap
Use this ad to let parents know you can fill the gap—between the higher cost of college and decreasing financial aid funds—with private loans from the credit union. Use with corresponding article ID #2068.
ad 10/27/2005
ed-1243
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.
ad 05/25/2005
ed-1151
The Benefits of For-Profit Colleges
Use this article to educate members about the benefits of for-profit colleges.
article 11/01/2004
ed-926
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.
ad 03/01/2004
Employment Related
IDTitleFormatPub Date
er-2149
¿Se encuentra desempleado? Cosas que puede hacer (Unemployed? Here's What to Do)
Give this resource box to your Hispanic members as a handy tool that can help if they become unemployed. See also English version #er-2150.
resource box 07/01/2009
er-2150
Unemployed? Here's What to Do
Give this resource box to members as a handy tool that can help if they become unemployed.
resource box 07/01/2009
er-2137
Uneasy Talking About Your Finances?
Tell your members—those who've lost jobs and those fearing they will lose jobs—how your credit union can help.
ad 05/04/2009
er-2110
Unique Job Benefits Help Employees, Employers
Tell your members about unique benefits some employers are using to keep their best employees.
article 01/05/2009
er-2041
Layoffs and How Your Credit Union Can Help
Use this direct mail letter to remind members that if they experience a layoff, the credit union can help.
direct mail 11/03/2008
er-835
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.
article 07/14/2008
er-569
Financial Considerations of a Career Change
Help members weather the storm of a career change and remind them that even though they may switch jobs, they can remain members of your credit union.
article 06/17/2008
er-691
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.
article 06/17/2008
er-1047
Tips to Stretch Your Budget and Benefits After a Job Loss
Use this article to help members protect their financial well-being following a job loss.
article 06/17/2008
er-1934
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.
article 05/01/2008
er-1864
HR an Excellent Retirement Planning Resource
Use this article to remind members to visit their employer’s human resources department for help with retirement planning.
article 03/28/2008
er-1910
Find the Work You Love
Help your members make their next career move one they’ll love.
article 03/28/2008
er-1843
¿Separado de su Trabajo? Le podemos ayudar (Laid Off From Your Job? We Can Help)
News headlines tell us about fresh layoffs every day; reassure Hispanic members who lose their jobs that your credit union still can help--and wants to. See also English version of article ID #er-1781.
article 11/29/2007
er-1781
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.
article 09/27/2007
er-1702
Negotiate Before Accepting Your Employer’s Buyout Offer
Use this article to explain members’ options if they’re offered employer buyouts.
article 01/26/2007
er-1345
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.
article 12/06/2005
er-1384
Mantenga su Trabajo Cuando se Enferma (How to Keep Your Job When You Become Ill)
Use this article to tell Hispanic members about their rights and responsibilities when it comes to a chronic illness and their job. Corresponds with English versión ID #er-1345.
article 12/01/2005
er-1070
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.
article 07/01/2004
Financial Institutions
IDTitleFormatPub Date
fi-281
Reaching Out With Project Differentiation
Introduce members to Project Differentiation and your Statement of Commitment to Members.
article 07/01/2007
fi-1184
Time for a Fact Check!
Banks are crying foul, but this ad sets the record straight by comparing bank assets with credit union assets.
ad 02/23/2005
fi-279
Problems Arise After Bank Mergers
Tell members what the recent increase in bank mergers, and the resulting megabanks, mean for consumers.
article 04/02/2001
Financial Literacy
IDTitleFormatPub Date
ft-1623
Nuts and Bolts: Tools for Today's Economy
Use this article to tell members about the Federal Trade Commission's National Consumer Protection Week (NCPW) March 1-7, 2009. The NCPW Web site is consumer.gov/ncpw/.
article 02/02/2009
ft-760
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.
article 01/15/2009
ft-1344
Where Should You Go With Your Consumer Complaint?
Use this article to inform members about where to go to get consumer information, and let them know about various state resources available to lodge a complaint against a business or licensed professional.
article 01/15/2009
ft-1957
Money Troubles? Let’s Talk About It
Reassure members experiencing financial trouble that your credit union has people who understand and can help.
ad 09/26/2008
ft-658
Cómo Detectar Preguntas Falsas--Detecting Phony Requests
Reassure members that your requests for personal information ensure that only they access their account information.
article 07/14/2008
ft-822
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.
article 07/14/2008
ft-252
Detecting Phony Requests
Reassure members that your requests for personal information ensure that only they access their account information.
article 06/30/2008
ft-1915
Credit Squeeze Got You?
The economy is delivering some hard knocks, so remind members that credit counseling can help.
ad 06/30/2008
ft-592
Danger: Remote Gambling's 24/7 Access
Warn members of the hazards of online gambling and offer ideas about what to do if they think a family member--or friend--has a possible gambling addiction.
article 05/02/2008
ft-1889
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.
article 03/28/2008
ft-1883
It's a Sweet Deal
Use this ad to remind members that you can help them when they are starting their future together.
ad 01/31/2008
ft-437
Up to Your Cheeks in Debt?
Help your members from becoming bankruptcy statistics by offering bankruptcy alternatives.
tip 01/01/2008
ft-625
Changing the $5 bill and releasing Presidential $1 coins
Inform members of coming changes in U. S. currency, including the addition of presidential $1 coins.
article 01/01/2008
ft-1724
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.
spot art 06/29/2007
ft-1738
Skip Probate With POD Accounts
Remind members that their credit union accounts can bypass probate if they fill out simple POD (payable on death) forms.
tip 04/30/2007
ft-979
Check casher sign with slash
This represents to your members that check-cashing outlets are ineffective.
spot art 03/01/2007
ft-1660
What to Keep and What to Throw Away
Use this chart to help members figure out what documents to keep--and for how long--and which ones to shred.
chart 03/01/2007
ft-1669
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.
resource box 03/01/2007
ft-1494
When to Give Your Social Security Number and When Not To
This resource box tells members when they should give out their Social Security Number and when not to. Use with corresponding Resource Box #ft-1503.
resource box 07/31/2006
ft-1503
Protect Your Social Security Number
Use this resource box with articles about identity theft. Use with corresponding Resource Box # ft-1494.
resource box 07/31/2006
ft-1513
Guía de Acción del Consumidor (Consumer Action Handbook)
Tell Hispanic members about the Consumer Action Handbook and how to access this valuable information on the Internet. Revised from English version ID#ft-1196.
article 07/31/2006
ft-1196
Consumer Action Handbook
Tell members about the Consumer Action Handbook and how to obtain a free copy.
article 05/01/2006
ft-1441
Bankruptcy Becomes Harder, But There are Options
Bankruptcy has more consequences than most people think. Use this article to let members know that credit counseling is one option that can steer them away from filing for bankruptcy.
article 01/25/2006
ft-1437
Clear Hard Drive of Sensitive Data
Use this tip to tell members how to get rid of sensitive data on a computer hard drive.
tip 01/24/2006
ft-1356
Steer Clear of Credit Counseling Bad Guys
How can you steer clear of unscrupulous credit counselors? This article highlights important questions to keep in mind when looking for a credit counselor.
article 12/01/2005
ft-1173
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.
article 11/29/2004
ft-1153
Financial Literacy Quiz--What's Your Score?
Use this quiz--either in total, or a few questions and answers at a time--in your newsletter to test members' financial knowledge. You could print answers upside down on a different page of your newsletter, or direct members to your Web site for answers.
article 11/01/2004
ft-1116
The Inside Scoop on Financial Tools
This article lists several useful financial books, Web sites, and other resources recommended by experts in the field.
article 10/01/2004
ft-1155
Como usar una Caja de Segurida (How to Use a Safe Deposit Box)
Guide Hispanic members in determining whether the original or a copy belongs in a safe deposit box, and encourage an annual inventory of contents.
article 10/01/2004
ft-1156
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.
article 10/01/2004
Fraud
IDTitleFormatPub Date
fr-2142
How do identity thieves steal information?
Show members how thieves steal their identity with this data from the annual Javelin Strategy & Research Identity Fraud Report. Adapted with permission.
chart 07/01/2009
fr-2144
Image showing credit cards with a lock through them
Use this image to stress to members the importance of keeping credit card information safe.
spot art 07/01/2009
fr-2157
Watch Out for Cyberscams
Warn members of an increase in Internet-based financial scams and offer advice about how to protect confidential information.
article 07/01/2009
fr-1719
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.
chart 06/01/2009
fr-2159
Don't Get Suckered by Ponzi Promises
Remind members that Ponzi promises can't come true. This scam can drain a victim's life savings, putting future financial security at risk.
article 06/01/2009
fr-2102
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.
tip 04/01/2009
fr-2033
Old Electronics Could Hand Crooks Your Identity
Use this article to tell members about the importance of erasing sensitive data before they dispose of old electronics.
article 12/18/2008
fr-2051
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.
article 12/03/2008
fr-1547
Ask Questions to Avoid Fake-Check Scams
Tell members to be alert for check scams.
article 12/01/2008
fr-1556
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.
article 11/30/2008
fr-1617
Phraud Takes New Phorms
Technology scams and lingo change all the time. Give members this fraud dictionary to keep them in the know--and safe.
article 11/30/2008
fr-1969
Advance Fees Tip-Off to Loan Scam
Make sure members understand that some non-credit union loan offers can make their situation even worse.
article 09/26/2008
fr-1970
What's Your Liability if You're a Victim of Card Theft?
Use this tip to remind members about their credit and debit card liability, and to inform them of your own policy.
tip 09/26/2008
fr-1953
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.
ad 09/02/2008
fr-930
States With Highest Rates of Identify Theft
Use this chart from the Federal Trade Commission to show which states have the highest numbers of ID theft. Use with corresponding ad #fr-1953.
chart 09/02/2008
fr-2000
Cover Your Digital Footprint
Tell members what digital footprints are, how they’re tracked, and how to eliminate them.
article 08/01/2008
fr-1998
Freeze Out Thieves
Inform your members about credit freezes and other options to help prevent identity theft.
article 08/01/2008
fr-1046
Guard Against Home Repair Rip-Offs
This article includes useful tips to guard against home repair rip-offs.
article 08/01/2008
fr-814
El Descuido Puede Costarle Caro--Carelessness Can Cost You
Help members avoid identity theft by advising them to shred their receipts.
article 07/14/2008
fr-1005
“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.
article 07/14/2008
fr-702
College Students Easy Targets for ID Thieves
Identity theft is a growing problem in the U.S., and college students are some of the most vulnerable targets. Here are some reasons why students are targeted and tips for how they can protect their identity.
article 07/10/2008
fr-240
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.
article 07/07/2008
fr-419
Tip: Keep PINs Private
Remind members that even though ATM cards and debit cards are convenient, it's important to keep PINs private.
tip 07/07/2008
fr-428
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.
article 07/07/2008
fr-664
Scam and Spam: What a Tangled Web They Leave
Inform members about how to discern fake e-mails from factual ones to help save them time and unnecessary concern.
article 07/07/2008
fr-627
Carelessness Can Cost You
Help members avoid identity theft by advising them to shred their receipts.
article 07/03/2008
fr-506
Beware of Charity Scams
Inform members about how to safely contribute money to a charity.
article 06/30/2008
fr-673
Keep Your Identity to Yourself
Identity theft is the No. 1 consumer complaint. Encourage your members to take steps to protect their identities.
ad 06/30/2008
fr-628
Online Security Program Enhances Safety
Inform members of a new online security program called Verified by Visa.
article 06/24/2008
fr-819
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.
article 06/24/2008
fr-233
Protect Your Financial ID
Nine steps members can take to prevent their identity from being stolen.
article 06/17/2008
fr-248
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.
article 06/17/2008
fr-483
Watch Out for Odometer Fraud
Tell members to watch out for odometer fraud and the importance of having a mechanic inspect a used car before purchasing it.
tip 06/17/2008
fr-661
Protect Your Social Security Number
Tell members to protect their Social Security numbers as much as possible to avoid becoming victims of identity theft.
article 06/17/2008
fr-1004
Identity Theft Victim Checklist
Use this article to inform identity theft victims of the steps to take if their personal information is misused or stolen.
article 06/17/2008
fr-1105
Don’t Sweat It--Shred It!
Use this tip to explain why it’s important to shred sensitive papers.
tip 06/17/2008
fr-931
How Identity Thieves Misuse Victims' Information
Use this chart from the Federal Trade Commission to show which types of ID theft are most prevalent, and how victims' information is used.
chart 05/01/2008
fr-1559
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.
tip 05/01/2008
fr-1891
¿Qué Hacen Los Pillos Con Su Información Personal? (What Do Crooks Do With Your Personal Information?)
Use this resource box to educate Hispanic members about ID theft, and what crooks do with their personal information. See also English version #fr-1773.
resource box 05/01/2008
fr-1930
Read Fine Print to Avoid Subscribing to a Scam
Help your members become aware of magazine subscription scams with this article.
article 03/28/2008
fr-1899
Medical ID Theft: An Awareness Alert
Use this article to warn your members about the serious consequences of medical identity theft.
article 01/02/2008
fr-1844
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.
tip 01/02/2008
fr-1870
Pick the Right Mover: Save Money, Skip Stress
Use this article to help members chose a legitimate moving company when moving into a new home.
article 01/02/2008
fr-1871
Check Fraud Scams More Common Than You'd Think
Use this article to help members avoid becoming victims of the latest check scams.
article 01/02/2008
fr-409
Are You a Private I?
Help members protect their financial identity.
ad 01/01/2008
fr-1144
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.
spot art 12/16/2007
fr-1143
Spot art for phishing articles
Use this spot art of a fish about to take the phishing bait with articles about spoofing, spamming, and phishing.
spot art 11/29/2007
fr-1856
International Scams Seek to Steal American Dollars
Use this article to inform members about international money fraud.
article 11/02/2007
fr-1369
Spot Art: Wolf at ATM
Use this image--of a wolf in sheep’s clothing at an ATM--with articles about ATM safety.
spot art 10/27/2007
fr-1771
Private--Keep Out
Use this spot art with articles about identity theft on the Internet.
spot art 09/27/2007
fr-1773
What Do Crooks Do With Your Personal Information?
Use this resource box with articles about ID theft to warn members of the various ways crooks can misuse their personal information.
resource box 09/27/2007
fr-1788
Watch for ATM Skimming Devices
Use this tip to warn members about skimming devices on ATMs.
tip 09/27/2007
fr-1083
Phishing Lure Spot Art
Use this spot art of a lure reeling in a computer laptop and printer with articles about phishing and identity theft.
spot art 08/30/2007
fr-1084
Padlock Spot Art
Use this spot art of a padlock with articles about identity theft and computer privacy.
spot art 08/30/2007
fr-1772
Watch Out for Counterfeit Check Scams
Provide this resource box to members so they are aware of counterfeit check scams.
resource box 08/30/2007
fr-1779
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.
article 08/30/2007
fr-1778
Back From the Grave: Postmortem Identity Theft
This article explains what postmortem identity theft is and offers several steps to prevent it.
article 07/26/2007
fr-261
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.
article 07/02/2007
fr-1142
Got Spam? Send It to the FTC
Tell members where to forward deceptive spam messages and how to reduce the amount of spam in their in-boxes.
article 07/02/2007
fr-607
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.
article 07/01/2007
fr-937
Con Artists Go Online to Snare Your Savings
Use this article to help members protect themselves from online scams.
article 07/01/2007
fr-1754
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.
article 05/30/2007
fr-1748
Social Networking: Five Steps to Protecting Your Identity Online
This article highlights the potential risks of using social networking sites and encourages members to protect themselves against fraud.
article 04/30/2007
fr-18
Share Draft Fraud
These share drafts show how, with a few pen strokes, thieves can alter share drafts.
spot art 04/02/2007
fr-1685
Block Spim, Prevent Spyware
If you--or your child--communicate via IM (instant messaging), be on guard against opportunistic links.
tip 03/01/2007
fr-1686
If the IRS Calls, Hang Up
Give members this tip to warn them about calls supposedly from the IRS.
tip 01/26/2007
fr-1615
Warning Signs You May Be a Victim of ID Theft
Use this resource box with articles about identity theft and fraud to highlight the warning signs.
resource box 11/30/2006
fr-1627
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.
tip 11/30/2006
fr-1628
Regular Check-Ups Help Prevent ID Theft
Use this tip to remind members to check their account statements regularly for signs of fraud.
tip 11/30/2006
fr-1636
Don’t Fall Victim to Mail Fraud
Use this article to alert members to the latest mail fraud scams.
article 10/04/2006
fr-1516
Alerta Phishing: No Se Confunda (Phishing Alert: Don’t Take the Bait)
Use this tip—in your newsletters or on your electronic message board—to warn Hispanic members about fraudulent phishing expeditions.
tip 09/29/2006
fr-1594
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.
article 09/29/2006
fr-1598
Financial Elderly Abuse: Do You Know the Signs?
Use this article to inform members about what to watch for and how to get help if they suspect financial elderly abuse is going on.
article 09/29/2006
fr-1509
Stay Safe at the Cash Machine
Help members keep themselves and their money safe when using an ATM.
article 09/01/2006
fr-1569
Young Adults Prime Target for Identity Theft
Use this article to let members know what simple steps they can take to avoid becoming a victim of identity theft.
article 08/02/2006
fr-1267
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.
spot art 05/25/2006
fr-1558
Phishing Alert: Don’t Take the Bait
Use this tip—in your newsletters or on your electronic message board—to warn members about fraudulent phishing expeditions.
tip 05/01/2006
fr-1560
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.
direct mail 05/01/2006
fr-1454
Scams Continue to Trip Up Consumers
Use this article to remind members to never give their account numbers and other personal information to unsolicited callers, e-mailers, and pop-up ads. This article offers several actual incidents that will show them why.
article 04/01/2006
fr-1205
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.
spot art 03/29/2006
fr-1450
Don’t Have a Credit Card? Someone May Have Beaten You to It
Use this article to let young adult members know about identity theft—and that they’re target No. 1.
article 01/24/2006
fr-1402
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.
article 12/21/2005
fr-1354
Breaches Leave Cardholders Asking, “What Next?”
Use this question-and-answer format article to let members know answers to common questions concerning credit card safety in the wake of recent computer security breaches.
article 10/27/2005
fr-1376
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.
article 10/27/2005
fr-1275
You’ve Been Phished--Now What?
Use this article to tell members steps they can take if they think they’ve been phished.
article 07/26/2005
fr-1288
Cuídate de Fraudes (Shield Yourself from Swindles)
Educate Hispanic members about the latest scams involving checks, ATMs, and the Internet.
article 04/28/2005
fr-1181
A Thief Took Your Debit Card. What's Your Liability?
Use this ad to inform members about liability limits if their debit card is lost or stolen.
ad 03/29/2005
fr-1212
Shield Yourself From Swindles
Educate members about the latest scams involving checks, ATMs, and the Internet
article 12/16/2004
fr-1121
You’ll never catch us phishing
Use this ad to reassure members that credit unions don’t send e-mail messages asking for personal information. If they get messages like that, they’re likely phishing attacks and could lead to identity theft.
ad 11/29/2004
fr-1097
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.
article 08/30/2004
fr-1098
Save Your Identity With E-Statements
Inform members of the benefits of e-statements.
article 08/30/2004
fr-996
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.
ad 05/01/2004
fr-982
Are Relatives Using Your Identity?
Use this article to remind members to check their credit reports and guard their personal information from theft and fraud.
article 03/01/2004
fr-655
Telephone-Initiated Debits Convenient for Thieves
Warn members of the risks of giving checking account information to telemarketers.
article 01/01/2003
General Lending
IDTitleFormatPub Date
gl-2171
Furlough Loan Can Help in Time of Need
Use this article to promote your credit union's furlough loan program. Edit article with your program's details.
article 05/04/2009
gl-2012
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.
ad 12/18/2008
gl-282
Prestamos de dia de Pago: la Dura Verdad Sobre el (Payday Loans: Hard Truth About Easy Money)
Warn your Hispanic members about paycheck cash-advances for what they are--loans with interest rates from 470% APR!. See corresponding English article #gl-296.
article 07/07/2008
gl-586
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.
article 07/03/2008
gl-283
'Blocking' Can Tie Up Your Accounts
Educate members about the merchant practice of charging against future purchases on credit and debit cards, and show them ways to avoid it.
article 06/24/2008
gl-296
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.
article 06/24/2008
gl-310
Workout Loans Can Save You From Bankruptcy
Direct members experiencing financial difficulties to your credit union for a manageable loan to get back on track.
article 06/24/2008
gl-321
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.
article 06/24/2008
gl-203
Make Sure Your Loan is Approved
Explain why some loans are turned down and provide tips for getting future applications approved.
article 06/17/2008
gl-599
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.
article 06/17/2008
gl-481
Consumers Pay More for Rent-to-Own
Warn members about the pitfalls of rent-to-own chains.
article 05/05/2008
gl-1913
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.
ad 05/01/2008
gl-1816
Big Plans? We Can Help
Use this ad to encourage members to visit your credit union if they will need to borrow money for big projects.
ad 11/29/2007
gl-1762
Need an ag loan?
Use this attention-getting ad to let the community know that your credit union provides ag loans.
ad 08/30/2007
gl-30
The Benefits of Signature Loans
Tell your members to take note--signature loans are great for many purchases.
spot art 04/02/2007
gl-173
Cartoon boat on trailer
Use this image to show members the variety of vehicle loans available at your credit union.
spot art 04/02/2007
gl-1624
Ahora Puedes Calcular el Costo Real de los Préstamos tipo “Payday” (Now You Can Calculate the True Cost of Payday Loans)
Arm your Hispanic members with a calculator—explained in this article—that they can use to determine the abusive rates payday lenders offer.
article 10/30/2006
gl-1506
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.
article 09/29/2006
gl-1561
Borrowers Click Into Trouble With Online Payday Loans
Warn members about online payday lenders. Use this article to let members know there are better options--like going to their credit union for help.
article 05/01/2006
gl-1523
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.
chart 02/22/2006
gl-1362
Make Your Fairytale Wedding Come True
Use this ad to promote your lifestyle loans.
ad 12/21/2005
gl-1330
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
chart 12/01/2005
gl-1363
Thinking of Adding On?
Use this ad to promote your lifestyle loans.
ad 12/01/2005
gl-1331
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.
article 09/30/2005
gl-1333
Utiliza la Cooperativa de Ahorro y Crédito para Financiar tu Automóvil (Borrow From the Credit Union—Right at the Dealership)
Use this Spanish article to explain and promote your indirect lending program to Hispanic members. This article is a Spanish translation of ID #arl-1235.
article 09/01/2005
gl-1332
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.
article 07/26/2005
gl-1246
Rent-to-Own: Low Payments Hide Truest Cost
Use this chart, which highlights the striking difference between the cash price of a television set with the high cost of rent-to-own, to encourage members to finance personal loans through the credit union. Highly recommended for defense and campus CUs.
chart 06/28/2005
gl-1247
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.
article 06/28/2005
gl-1264
Steer Clear of High-Cost Rent-to-Own
Insert this tip in your newsletters or on your Web site to steer members away from costly rent-to-own contracts. Use with corresponding chart ID #2058 and article ID #2059.
article 06/28/2005
gl-1237
Need a Makeover?
Use this ad to promote any-purpose loans. Use with corresponding article ID #gl-1238.
ad 05/25/2005
gl-1238
Find the Right Solution for Any Borrowing Need
Use this article to highlight your credit union’s loan programs and encourage members to borrow responsibly. Use with corresponding ad ID #gl-1237.
article 05/25/2005
gl-1211
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.
article 12/16/2004
gl-1102
Parents: Consider Your Co-signing Accountability
This article encourages parents and children to contemplate the responsibilities associated with co-signing a loan before they agree to sign.
article 08/01/2004
gl-1053
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.
article 05/01/2004
gl-466
If You're Eyeing It, We Can Finance It
Remind members that your credit union has a low-rate loan to help them purchase whatever they have in mind.
ad 08/01/2001
gl-37
Financing the Boat of Your Dreams
Let members know you'll float them a loan for the boat of their dreams.
spot art 04/02/2001
Health
IDTitleFormatPub Date
he-1290
Health Savings Accounts: First Aid for Health-Care Bills
Health savings accounts are designed to give consumers more control over their health coverage. This article explains some details and what medical costs are covered.
article 04/01/2009
he-1094
Advance Directives Give You the Final Say
Encourage members to complete an advance directive to make end-of-life wishes known.
article 01/01/2009
he-1993
Preparing for Medical Tourism
Use this article to let members know you can help with travel loans for medical tourism, or any other personal loan.
article 09/26/2008
he-812
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.
article 07/14/2008
he-669
Cutting Through Medicaid Myths
Help clarify to your members the difference between Medicare and Medicaid and debunk the myths of Medicaid.
article 07/07/2008
he-813
Medical Bills Could Hurt Your Credit
Let your members know that medical bills can affect their credit and inform them how to follow up.
tip 06/30/2008
he-1949
Patient Advocates Are on Your Side
Inform your members about patient advocates and help them know what to look for when choosing one.
article 06/01/2008
he-959
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.
article 03/01/2008
he-1904
Full-Body Screenings: Are They Right for You?
Keep your members informed about the risks and benefits associated with the latest advance in health care: full-body screenings.
article 02/27/2008
he-1206
Now’s the Time to Max Out Flex Spending
Remind members to use up contributions left in their flex-spending accounts.
article 01/01/2008
he-1838
Flex Spending: Use It or Lose It
This tip reminds members to use all their flex-spending dollars before March 15, and tells them how to find the list of eligible expenses.
tip 11/02/2007
he-1765
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.
ad 09/27/2007
he-1797
Does Your Generic Drug Make the Grade?
Use this article to help members understand the differences between brand-name drugs and generic drugs, and the differences between different kinds of generics.
article 07/26/2007
he-1229
How to Handle the High Cost of Retiree Health Care
Encourage members to plan for the high costs of health care.
article 04/15/2007
he-1562
Who Pays for Hospice Care?
Use this article to let members know what they can expect if they or a family member wants to enter a hospice program.
article 05/01/2006
he-1334
Don’t Forfeit Your Flex Spending Account
Use this tip to inform members about what is covered in their flex-spending account.
tip 09/30/2005
he-1325
Advance Directive Q & A
This Q & A answers members’ questions about advance directives for health-care decisions.
article 09/01/2005
he-1217
Going Solo With Health Insurance
Help members decide what is better: staying with their employer health plan or buying individual health insurance.
article 01/28/2005
he-1208
Who Needs Gap Protection?
Use this article to inform members about gap coverage--what it is, who needs it, and where to find it.
article 12/16/2004
he-410
Tip: Carbon Monoxide Detectors
Tell members to keep their families fume free and safe by using a carbon monoxide detector.
tip 04/02/2001
Holidays
IDTitleFormatPub Date
hd-2030
Cut Holiday Expenses, No Scrooge Required
Use this article to help cash-strapped members make the transition--positively and creatively--to a less expensive holiday season.
article 11/03/2008
hd-2018
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.
spot art 11/03/2008
hd-2017
Spot art for holiday account
Use this festive spot art to remind members to save for the holidays with a credit union account.
spot art 11/03/2008
hd-2025
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.
activity 11/03/2008
hd-659
Shop From a List
Urge members to shop from a list this holiday season to avoid impulse purchases.
tip 07/14/2008
hd-668
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.
article 07/07/2008
hd-641
Smart Holiday Shopping Takes Planning and Control
Let your members know that it can be easy to stay financially fit, even during the busiest shopping season of the year. This article gives tips to help consumers shop wisely this holiday season.
article 06/12/2008
hd-1641
Deck the Halls Without Much Money
This article contains tips for smart holiday spending and staying within budget.
article 05/30/2008
hd-1860
Holidays Happier for Shoppers Avoiding Unpleasant Surprises
Use this article to tell members how to avoid unpleasant shopping experiences this holiday season.
article 11/29/2007
hd-1147
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.
spot art 11/01/2007
hd-1170
Holiday 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.
spot art 11/01/2007
hd-1085
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.
spot art 10/01/2007
hd-1318
Spot art: Holiday-season piggy bank
Use this spot art with articles about youth and the holiday season. Use with corresponding article #yt-1329.
spot art 09/01/2007
hd-179
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.
spot art 04/02/2007
hd-1473
Happy Holidays
Extend holiday goodwill with this festive design.
spot art 04/02/2007
hd-1478
Happy Holidays
Wish your members a happy holiday.
spot art 04/02/2007
hd-1198
Cinco de Mayo Spot Art
Use this spot art of a Cinco de Mayo celebration with article ID# hd-1198 to educate non-Hispanic members about the history and tradition of this Mexican holiday.
spot art 02/23/2007
hd-1621
Make SMART New Year's Resolutions
Use this article to suggest financial New Year's resolutions to your members.
article 10/30/2006
hd-81
Feliz Navidad
Wish your members a Feliz Navidad.
spot art 04/02/2006
hd-356
Santa Reading List
"Ho, ho, uh-oh!" Tell members about credit union loans to help them consolidate unruly holiday debt.
spot art 04/02/2006
hd-1475
Presidents' Day
Let George and Abe announce your holiday hours or a special Presidents' Day promotion.
spot art 04/02/2006
hd-1304
‘Tis the Season to Be Saving
Encourage members to open a Christmas Club account and save in advance for holiday spending.
ad 09/01/2005
hd-1339
‘Tis the Season to Be Saving
Encourage members to open a Holiday Club account and save in advance for holiday spending.
ad 09/01/2005
hd-1328
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.
article 07/26/2005
hd-1185
Cinco de Mayo Celebrates Mexican History
Use this Q&A to tell members about the history and tradition of Cinco de Mayo. Use with corresponding spot art ID #hd-1185.
article 02/23/2005
hd-1080
Our Gift to You: Security
Let your members know a credit union credit card comes with the gift of security this holiday season.
ad 10/01/2004
hd-1100
Shop at Home for the Holidays
This article gives tips for protecting your privacy while shopping online during the holiday season.
article 10/01/2004
hd-1106
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.
tip 10/01/2004
hd-489
Holiday Club Accounts Spread Cheer to Santa’s Savers
Help your members save for the holidays by telling them about Holiday Club accounts.
ad 09/01/2001
hd-1477
Holiday Hours
Tell members about any changes in your credit union's business hours around the holidays.
spot art 04/02/2001
Insurance
IDTitleFormatPub Date
in-2163
Smarter Driving Habits? You Might Qualify for Better Insurance Rates
Give members this tip to help them save money on auto insurance.
tip 07/01/2009
in-1210
Long-Term Care Insurance: Think Before You Leap
Encourage members to consider several factors before purchasing long-term care insurance.
article 01/01/2009
in-70
Your Savings Are Insured
Use this National Credit Union Administration (NCUA) logo to let members know their savings are insured.
spot art 10/07/2008
in-272
Some Accounts Boost Coverage
Give members peace of mind by explaining NCUA insurance rules for joint and payable-on-death accounts.
article 10/07/2008
in-274
Share Insurance Protects Your Savings
Tell members how you safeguard their hard-earned savings with the National Credit Union Share Insurance Fund.
article 10/07/2008
in-646
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.
ad 10/07/2008
in-1027
Te Protegemos (We Have You Covered)
Use this article to reassure Hispanic members that their money is safe and insured at your credit union.
article 10/07/2008
in-681
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.
article 07/14/2008
in-637
Before Remodeling, Check Your Insurance
Help members make the right remodeling decisions by reminding them to check their insurance first to see how the project will increase the value of their house.
article 07/07/2008
in-220
Keep Your Dream Insured
Explain to members that avoiding a "forced placement of physical damage" insurance policy is in their best interest.
article 06/24/2008
in-225
Insurance Tips for Young Adults
Tell young members about the three types of coverage they really need, and provide money-saving tips.
article 06/24/2008
in-263
Auto Insurance: You'd Better Shop Around
Members can save on auto insurance with these eight tips from the Insurance Information Institute.
article 06/24/2008
in-563
Ask for Auto Insurance Price Breaks
Clue members in to ways to cut auto insurance premiums.
article 06/24/2008
in-818
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.
article 06/24/2008
in-1906
Short-Term Disability Insurance a Safety Net for Ill, Injured Workers
Help your members understand the importance of preparing for unexpected injuries and illnesses with this article about short-term disability insurance.
article 02/27/2008
in-1896
Finding Extra Savings on Auto Insurance
Use this article to tell members how to find extra savings on auto insurance rates.
article 01/02/2008
in-1868
Finding Health Insurance for Retirement
Use this article to help your members maintain health insurance for retirement.
article 01/02/2008
in-1710
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.
article 03/27/2007
in-1706
Life Settlements: Proceed with Caution
Use this article to inform members about advantages and disadvantages of life settlements.
article 03/01/2007
in-1701
Will Insurance Consumers Benefit From Modernization?
Use this article to inform members about potential changes in the insurance industry.
article 01/26/2007
in-1614
Save on Car Insurance
Use this resource box within newsletter articles about car insurance to show members different ways they can save money.
resource box 12/27/2006
in-1638
Deciding When to File an Auto Insurance Claim
Use this article to help members decide when it is appropriate to file auto insurance claims.
article 10/25/2006
in-1639
Safeguard Your Digital Dossier
Use this article to tell members how to safeguard their medical records and where to go for help if records fall into the wrong hands.
article 10/25/2006
in-1425
The Scoop on Flood Insurance
Inform members about flood insurance and that they should evaluate purchasing it.
article 01/24/2006
in-1174
Does Your Homeowners Insurance Policy Have a Replacement Cap?
Encourage members to check the replacement cap on their homeowners insurance policy, and to make sure they have sufficient coverage to rebuild in the event of a total loss.
article 11/29/2004
in-398
Tip: Protect Yourself With Renter's Insurance
Tell members renter's insurance can offer them peace of mind in unfortunate circumstances.
tip 04/02/2001
Investments
IDTitleFormatPub Date
iv-2162
Nest Egg Withdrawal Rules Change for 2009
Use this tip to inform members about the suspension of required minimum distributions for 2009. Corresponds with article #iv-2130.
tip 05/04/2009
iv-2129
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.
article 03/04/2009
iv-2130
Nest Eggs Get a Break--But Only for 2009
Use this article to remind older members that, for 2009, they can request a suspension of required minimum distributions from traditional IRAs and 401(k)s.
article 02/09/2009
iv-2061
Lifecycle Investing*
Use this article to educate members about lifecycle funds and how to determine whether they’re a viable investment option.
article 02/02/2009
iv-1219
Diversify Beyond Your Investment Portfolio*
Let members know the importance of keeping a balanced portfolio.
article 12/01/2008
iv-1081
Investor Challenges in a Changing Market*
Inform members about investment responses--both good and bad--during volatile financial markets.
article 11/01/2008
iv-2054
Money Market Share Accounts at CUs Are Insured*
Provide this article to members to help them distinguish between money market share accounts and money market mutual funds.
article 09/26/2008
iv-1972
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.
article 08/01/2008
iv-643
Bondholders Experience Loss Due to Uncashed Savings Bonds
Remind members about savings bonds they have that might have matured, and tell them where to go for help.
article 07/21/2008
iv-891
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.
article 07/14/2008
iv-899
It’s Time in the Market, Not Timing the Market*
There is no way to guess the right time to get into the stock market, or the right time to get out. Use this article to encourage members to ride the market out, instead of jumping in and out every time it rises or falls.
article 07/14/2008
iv-224
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.
article 06/26/2008
iv-239
Diversify Your Portfolio in the Comfort of Your Credit Union*
Explain how CUSOs allow credit unions to provide an array of financial services including investment vehicles.
article 06/26/2008
iv-300
Playing the Market Online--the Rewards and Risks*
Help members decide if online investing is really for them.
article 06/26/2008
iv-755
Avenging Your Broker's Blunders*
If your investment losses are the result of broker wrongdoing--and you can prove it--you may be able to recover part of your losses. But your case must meet certain criteria. This article explains what those criteria are.
article 06/26/2008
iv-610
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.
article 06/17/2008
iv-615
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.
article 06/17/2008
iv-273
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.
article 06/16/2008
iv-737
Is Your 401(k) Turning Into a 201(k)?
Many consumers have seen their 401(k)s shrink in recent months. Use this ad to encourage members to come to the credit union for advice on their investments.
ad 05/12/2008
iv-617
College Savings? Stress Less With a Roth IRA
Let members know another way to save for college is by investing in a Roth IRA.
ad 05/07/2008
iv-642
Attribute IRA Contributions to Correct Year
Educate members about how to attribute prior-year IRA contributions.
tip 05/07/2008
iv-753
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.
ad 05/07/2008
iv-754
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.
article 05/07/2008
iv-1013
Young Adults Realize Benefit of Opening IRA
Use this ad to encourage young adults to open an IRA at your credit union.
ad 05/07/2008
iv-1055
The Benefits of Starting a Roth IRA Early*
Tell young members about the benefits of starting a Roth IRA early.
article 05/07/2008
iv-1061
Give the Power of a Roth IRA*
Encourage young adults to start a Roth IRA using money received as graduation gifts.
article 05/07/2008
iv-1873
Climb This Ladder to the Best Yields
Show savers how they can make the most of their deposits by laddering share certificates. Corresponds with chart ID# iv-1880, spot art ID# iv-1882, and article ID# iv-1890.
ad 01/31/2008
iv-1880
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.
chart 01/31/2008
iv-1882
Laddering CDs
Use this spot art with articles about CD laddering; it corresponds with ad #iv-1873, chart #iv-1880, and article #iv-1890.
spot art 01/31/2008
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.
article 01/31/2008
iv-1846
A Different Type of Investment*
Use this article to teach members about tangible investments, and the need for education and patience.
article 09/05/2007
iv-182
Eggs in Shopping Cart
Unbalanced asset allocation could leave members vulnerable; encourage them to diversify with this art.
spot art 07/01/2007
iv-1271
Spot Art of Money Seeds Growing in a Money Garden
Use this spot art of dollar bills growing from seeds in a money garden with articles about investing. Use with corresponding article ID #iv-1249.
spot art 06/28/2007
iv-1272
Spot Art of Asset Allocation
Use this spot art depicting asset allocation with articles about investing. Use with corresponding article ID #3067.
spot art 06/28/2007
iv-404
Have Your Cake and Eat It Too
Tell members how to "ladder" certificates to make the most of their money.
ad 06/01/2007
iv-1269
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.
spot art 04/29/2007
iv-1270
Spot Art of Bull and Bear
Use this spot art of a bull and bear with articles about investing.
spot art 04/29/2007
iv-1742
Sizing Up Your Financial Adviser*
Use this article to help members choose the right financial adviser for their needs.
article 03/27/2007
iv-1249
Investment Vocabulary*
Use this basic investment glossary to help members understand investing vocabulary. Use with corresponding spot art ID #3072.
article 06/28/2005
iv-1252
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.
article 06/28/2005
iv-1251
Build a Solid Foundation--Invest Now for Security Later in Life*
This article will help young members get in the habit of saving to invest. Use with corresponding spot art ID #3070 and ID #3071.
article 04/29/2005
iv-1263
Spread It Around*
Use this investment tip to warn members not to invest too much in their own company’s stock.
article 04/29/2005
iv-1124
IRAs: They’re not just for retirement anymore
Encourage members to ask you whether they qualify to use IRAs for higher education or purchase of a home.
ad 12/16/2004
iv-1134
Women: Will You Live Too Long?*
Alert your female members to their unique lifetime financial challenges, and caution them against being too conservative.
article 12/16/2004
iv-1112
Tips for Evaluating a Broker
This article offers tips for investors on how to evaluate a broker.
article 10/01/2004
iv-957
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.
article 01/22/2004
iv-904
It’s Time in the Market, Not Timing the Market
There is no way to guess the right time to get into the stock market, or the right time to get out. Use this tip to encourage members to ride the market out, instead of jumping in and out every time it rises or falls.
tip 10/01/2003
iv-834
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.
article 09/01/2003
iv-736
The Power of Compounding
Show your members the power of compounding with this chart.
chart 07/01/2003
Laws
IDTitleFormatPub Date
lw-862
Transfer, Schmansfer--There’s a Limit
Regulation D is a federal law that limits the number of times a member may transfer money between their accounts to six times per month. Exceeding that limit is breaking a law.
article 07/21/2008
lw-652
Our Security Efforts Protect You
Inform members about the USA PATRIOT Act and how it will change procedures at your credit union.
article 07/07/2008
lw-740
Nuestros Esfuerzos de Seguridad le Protegen -- Our Security Efforts Protect You
Inform members about the USA PATRIOT Act and how it will change procedures at your credit union.
article 07/07/2008
lw-311
Right of Rescission: The Cooling-Off Rule
Explain this right to members and tell them where to turn for more information.
article 07/03/2008
lw-858
In the Know
The USA PATRIOT Act requires credit unions to verify the identity of everyone doing business with them. The Act is intended to protect the nation from money laundering and terrorist financing.
ad 06/30/2008
lw-689
Class-Action Lawsuits Carry Risks, Rewards
This article explains how class-action lawsuits work and the rewards and risks involved.
article 05/14/2008
lw-1804
Arbitration Clause Denies You Your Day in Court
Use this article to inform your members about binding mandatory arbitration clauses and why it’s important to understand how to preserve their rights.
article 08/30/2007
lw-767
What You Should Know About Bankruptcy
Give members information about how bankruptcy will affect their financial records, and provide alternate suggestions.
article 07/01/2007
lw-177
E-Signature
With this art, let members know that they can sign their name electronically due to the E-Sign Act.
spot art 04/02/2007
lw-1355
What Bankruptcy Reform Means to You
Use this article to inform members how the new bankruptcy reform law affects them.
article 10/27/2005
lw-1159
Fact Act Helps Consumers Build Credit, Prevent Fraud
Inform members about the new Fair and Accurate Credit Transactions Act (FACT Act) of 2003 and what it means for them.
article 11/01/2004
lw-1010
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.
article 05/26/2004
lw-1064
Mandatory Arbitration Clauses Deprive Consumers of Rights
Use this article to inform members that mandatory arbitration agreements--usually buried in the fine print--leave consumers who have a dispute at a disadvantage.
article 05/26/2004
lw-582
Wake Up Your Dormant Accounts
Inform members about escheat and how they can find out if they’re owed unclaimed money or property.
tip 03/01/2002
Military
IDTitleFormatPub Date
mi-507
A War Can Damage Reservists’ Finances
Inform members about the Servicemembers Civil Relief Act.
article 07/03/2008
mi-672
Reservists Financially Prepare for Activation
This article focuses on how to be financially prepared for military activation.
article 07/03/2008
mi-1947
Services, Sites Help Veterans Navigate Benefits Maze
Help your members who have served in the armed forces take advantage of veterans benefits.
article 06/01/2008
mi-1751
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.
article 05/30/2007
mi-1568
Defense Credit Unions on Front Line With Members
Credit unions are all about helping their members; military credit unions really show what it’s like to go above and beyond.
article 06/07/2006
mi-1145
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.
photo 12/16/2004
mi-1095
Returning From Active Duty to Face Financial Battles
Inform members of the financial challenges faced by returning Guard and military reservists.
article 08/30/2004
mi-960
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.
article 01/22/2004
Money Management
IDTitleFormatPub Date
mm-2165
Los Hechos de las Finanzas (The Financial Facts of Life)
Use this article to tell Hispanic members about the financial facts of life, and encourage them to visit your credit union for all their money management needs. See also English version of article at #mm-2093.
article 07/01/2009
mm-1607
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.
chart 06/01/2009
mm-2151
Home Maintenance Tips
Use this resource box to remind members of home maintenance tips to save money and stay safe.
resource box 06/01/2009
mm-2164
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.
article 06/01/2009
mm-2152
It's Never Too Late to
Use this resource box to remind members they can perform spring cleaning on finances, too.
resource box 05/04/2009
mm-2176
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.
article 05/04/2009
mm-2093
The Financial Facts of Life
Use this article to tell members about the financial facts of life, and encourage them to visit your credit union for all their money management needs.
article 04/01/2009
mm-2095
Safe Deposit Boxes Practical, Have Limitations
Clarify how safe deposit boxes protect members’ documents and valuables, but do not afford deposit protection.
article 04/01/2009
mm-2131
Protect Paycheck by Paying Off Debt
Use this article to explain wage garnishment. Encourage members to visit the credit union to explore ways to get out of debt and avoid garnished wages.
article 04/01/2009
mm-120
Spot Art for Electronic Payroll Deduction
With the emphasis on electronic payments, let everyone know you offer payroll deduction.
spot art 03/04/2009
mm-2092
Financial Tips for Turbulent Times
Use these tips to help battered investors formulate a plan to tough out turbulent times.
article 03/04/2009
mm-2101
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.
tip 03/04/2009
mm-2127
Couples and Money: Reconciling a Spender-Saver Marriage
In any marriage, family finances create conflict at least occasionally. Help members reconcile their spender-saver marriages with this article.
article 03/04/2009
mm-2099
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.
article 02/02/2009
mm-2024
'Go Green' With Your Personal Finances
Use this resource box to encourage members to "go green" and sign up for your online banking services.
resource box 01/06/2009
mm-2111
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.
article 01/05/2009
mm-2063
Social Lending: What to Consider When Friends or Family Ask to Borrow
Tell your members what to watch for when considering social lending—lending to friends or family members.
article 12/03/2008
mm-2031
Shop Safe Online, for Convenience and Bargains
This article shares online shopping benefits--and a few prudent cautions--with your members.
article 11/03/2008
mm-2020
Spot art--VISA Gift Card Image
Promote VISA gift cards around the holidays with this image.
spot art 11/03/2008
mm-2055
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.
article 11/03/2008
mm-2060
Beware Buying Gift Cards From Online Auction Sites
Inform members about online gift card scams—called cyber money laundering, or e-fencing—and caution them against purchasing gift cards from auction sites such as eBay.
article 11/03/2008
mm-1959
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.
chart 09/26/2008
mm-1960
Use of Financial Tools by Gen X, Gen Y
Use this chart to encourage more 20- and 30-somethings to use the financial tools available to them, and to come to you for help with their personal finances.
chart 09/26/2008
mm-1967
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.
article 09/26/2008
mm-2005
Gas, Groceries on Credit a Slippery Slope
Use this article to warn members about the dangers of using credit cards to make ends meet and how to get debt under control.
article 09/02/2008
mm-1974
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.
tip 09/02/2008
mm-1997
TV, Phone, Internet: Can a Bundle Save You One?
Tell members about pros and cons of bundling telecommunications services
article 08/01/2008
mm-1999
Gouged by Groceries
Help members manage their grocery bills with these money saving tips.
article 08/01/2008
mm-1048
Tips for Renting a Car Online
This article contains tips on how to make the online car rental experience as pleasant and predictable as possible.
article 08/01/2008
mm-687
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.
article 07/21/2008
mm-749
Government Auctions: Deals, not Steals
Don't let scams give government auctions a bad name. Government auctions are great places to shop for almost anything. This article explains how to find government auctions.
article 07/21/2008
mm-750
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.
article 07/21/2008
mm-241
Two Paychecks: What Money Goes Where
Describe the accounts and services couples can use to help them blend or separate finances as needed.
article 06/26/2008
mm-242
Time to Trade in Your ARM?
Provide these important factors for members to consider before they convert to a fixed-rate mortgage.
article 06/26/2008
mm-327
Blending Money and Marriage
Counsel members about the option of keeping separate accounts, even in marriage.
article 06/25/2008
mm-329
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.
article 06/25/2008
mm-331
Co-Signing is Serious Business
Spell out the responsibilities and risks members take on when they co-sign.
article 06/25/2008
mm-118
Debt Consolidation Loan
Tell members a credit union debt consolidation loan can help them pay off holiday spending and manage debt all year long.
spot art 06/16/2008
mm-1025
Foreclosed Property: Is It Really a Deal?
Use this article to inform members about the pros and cons of purchasing foreclosed property.
article 06/16/2008
mm-1026
Tips for Parents Whose Kids Move Back Home
This article gives useful tips to parents whose adult children move back home.
article 06/16/2008
mm-1049
Used-Car Buying Tips
This article gives useful tips to members who choose to purchase a used vehicle.
article 06/16/2008
mm-1054
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.
article 06/16/2008
mm-1058
Gasoline Costs: Check Your Miles Per Dollar
Use this article to help members get a handle on the cost of gasoline per miles driven.
chart 06/01/2008
mm-716
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.
article 05/12/2008
mm-332
Repair or Replace: The Old-Car Dilemma
Give members key points to consider when deciding; article sends members to CU for car valuation and loan options.
article 05/05/2008
mm-494
Ways to Cut the Cost of Fuel
Offer advice to your members about cutting the cost of fuel.
article 05/05/2008
mm-598
Maneras de Reducir el Costo de su Gasolina--Ways to Cut the Cost of Fuel
Offer advice to your members about cutting the cost of fuel.
article 05/05/2008
mm-604
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.
article 05/05/2008
mm-876
Weight Loss for Car Bodies
Increasing use of aluminum, advanced plastics, and other new weight-reducing substitutes for steel helps determine gas mileage, crashworthiness, and what an auto body shop will charge for repairs if your members’ car is in an accident.
article 05/05/2008
mm-1923
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.
tip 05/01/2008
mm-1935
Can You Really Offset Your Energy Use?
Use this article to help your members understand carbon offsetting before they invest.
article 05/01/2008
mm-701
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.
article 04/01/2008
mm-708
Give Your Debts a Financial Health Check
This article explains your debt-to-income ratio, why it’s important to you and to lenders, and how to calculate it.
article 03/01/2008
mm-717
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.
article 03/01/2008
mm-836
Evaluating the Experts: Choosing a Professional Planner
If you’ve had trouble staying the course with personal finance goals and objectives, a financial planner could help you focus. This article helps you choose the right planner.
article 03/01/2008
mm-243
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.
article 02/27/2008
mm-1894
Going Green Tips
These tips will help your members save the environment--and money, too.
tip 02/27/2008
mm-1905
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.
article 02/27/2008
mm-1907
Sell, Scrap, or Give: Useful Advice for Your Useless Stuff
Use this article to help members clean out the stuff in their lives, and let them know about ways this stuff can make them money.
article 02/27/2008
mm-1902
Finding a Reliable Pest Contractor
Help members choose the best pest contractor to eliminate unwanted critters.
article 01/31/2008
mm-1857
Take the Direct Deposit Quick Quiz
Use this quiz to educate members about the benefits of direct deposit, particularly if you are--or soon will--participate in Treasury's Go Direct campaign. Use with corresponding Go Direct logo ID# ta-1722, article ID# ta-1733, and ad ID# 1715.
article 01/02/2008
mm-1817
Way to Go Slugger!
Use this ad to encourage members to set up direct deposit, online bill payment, and other services at the credit union.
ad 01/02/2008
mm-103
Baby Cradle
Remind members that the credit union is ready to help with financial transitions--like starting a new family.
spot art 01/01/2008
mm-196
Getting Advice on Money Matters
Outline some situations when members should seek help and tell them where to find it.
article 01/01/2008
mm-197
Don't Rush Into Bankruptcy
Explain how filing bankruptcy damages credit histories and list other ways to get out of debt.
article 01/01/2008
mm-236
Five Steps to Organizing Your Finances
This action plan will help members take control of their money with tips on financial filing, records gathering, sizing up the situation, charting a course, and learning money management basics.
article 01/01/2008
mm-589
Understanding Power of Attorney
Tell members what a power of attorney is and why they should consider getting one.
tip 01/01/2008
mm-678
Prime Time for Financial Planning?
How do you know when you need the services of a financial adviser? This article helps members decide, and helps them select the right one.
article 01/01/2008
mm-690
Life Change To-Do Lists
This article informs members about how to adjust their financial and personal documents when they have a major life change such as getting married, having children, or the death of a family member.
article 01/01/2008
mm-757
Visit Your Credit Union When Life Changes
Marriage, divorce, death, a new baby--all change a person’s life dramatically. Use this article to remind members to stop by the credit union when they have a major life change.
article 01/01/2008
mm-1071
Four Money Mistakes Every Couple Should Avoid
Educate members about the four money mistakes every couple should avoid.
article 01/01/2008
mm-1571
Budget for Your Pet's Lifelong Care
Given increased pet pampering, new veterinary procedures, and longer-lived pets, tell members how the average family can fit pet expenses into their budgets.
article 01/01/2008
mm-1820
Net Wealth Comparison Over 10 Years: Homeowner vs. Renter
Use this chart to highlight the difference in wealth accumulation between homeowners and renters.
chart 11/29/2007
mm-1855
Making Sure Merchants Measure Up
Use this article to inform members about how their weights and measures departments work to save them money.
article 11/02/2007
mm-1827
Smart Online Shopping
Use this resource box in preholiday newsletters to help members stay safe when shopping online.
resource box 11/02/2007
mm-1764
When It Comes to Your Finances, There's No Quick Fix
Use this ad to steer members to the credit union for a variety of financial products and services.
ad 09/27/2007
mm-1805
Start an Energy Diet: Save Money Around Home
Use these ideas to help your members save money by reducing energy consumption.
article 08/30/2007
mm-213
10 Smart Money Moves for Your 20s
Make the most of your working years and prepare early for your life's goals.
article 08/20/2007
mm-667
New Telephone Options Connect Consumers to Savings
Let members know that by exploring telephone plan options and comparing packages, they might be able to cut their telephone bill and save hundreds of dollars.
article 08/13/2007
mm-330
Realtor vs. Sell it Yourself
Explain what's involved in selling a home without an agent; article sends members to the CU for a mortgage or investment.
article 08/10/2007
mm-1001
Gift Cards--Read the Fine Print
Let your members know the ins and outs of gift cards.
tip 07/31/2007
mm-1799
Recognize, Minimize Financial Risks of Living Together
Use this article to inform unmarried couples about adequately planning their financial lives.
article 07/26/2007
mm-1737
Moving Tips: What to Do, and When to Do It
This article has useful tips on what to do--and when--to make your move a smooth one.
article 04/30/2007
mm-1749
Knowledge, Experience Quell Women’s Money Fears
Use this article to help female members take control of their finances and feel more confident with money.
article 04/30/2007
mm-1651
These Eggs Are for Cracking
Encourage members to keep some liquid savings in high-yield money market accounts.
ad 03/27/2007
mm-1672
Distintas maneras de crear riqueza y reducir las deudas (Ways to Build Wealth and Reduce Debt)
Use this resource box to inform your Hispanic members about how to build wealth by reducing debt. Corresponds with English version #mm-1613.
resource box 03/27/2007
mm-1673
Pitfalls That Drain Your Budget
Use this resource box with articles about budgeting, tracking spending, and spending leaks.
resource box 03/27/2007
mm-1744
Home Inventory Software Helps Prepare for Disaster
Use this article to show members the benefits of using home inventory software to conduct a home inventory in case of a disaster.
article 03/27/2007
mm-1745
Cooperatives Provide Value, Community
This article highlights the benefits of several different kinds of cooperatives.
article 03/27/2007
mm-1678
How to Fill Out Beneficiary Designation Forms
Use this question and answer format to explain to members how to properly fill out beneficiary designation forms.
article 03/01/2007
mm-1550
See How Inflation Erodes Your Purchasing Power
Use this table to show members how inflation erodes their purchasing power over time.
chart 12/27/2006
mm-1646
Net-Worth Statement Reveals Financial Progress
Use this article to help members calculate their net worth and understand what it means to them.
article 12/27/2006
mm-1647
Track Spending to Reach Your Goals
Use this article to help members become aware of small expenditures that hinder larger savings.
article 12/27/2006
mm-1648
Debt-to-Income Ratios Yield Budget Insight
Use this article to help members calculate a debt-to-income ratio and determine how much debt they can afford.
article 12/27/2006
mm-1691
Say ‘I Do’ Without the Debt
Use this article to help members make the most of their wedding day without breaking the budget.
article 12/27/2006
mm-1613
Ways to Build Wealth and Reduce Debt
Use this resource box to inform members about how to build wealth by reducing debt.
resource box 11/30/2006
mm-1620
More Than $60 Billion Waiting to Be Claimed
Use this article to tell members how they can collect unclaimed property and missing money held by government agencies.
article 11/30/2006
mm-1643
Live Simply to Reap Savings
Use this article to show the power of living beneath your means.
article 11/30/2006
mm-1650
Money and Spending in Other Cultures
Use this article to teach members about how people from different cultures view money differently.
article 11/30/2006
mm-1549
How Does Inflation Affect Your Nest Egg?
Use this chart to show your members how inflation affects the value of their nest egg over time.
chart 10/30/2006
mm-1612
Set SMART Goals to Build Wealth
Use this resource box within articles about goal-setting or building wealth.
resource box 10/30/2006
mm-1619
Home Ownership is Best Route to Build Wealth
Use this article to stress the importance of home ownership as a key strategy to build wealth.
article 10/30/2006
mm-1634
Collaborative Divorce Softens Sting of Split
Use this article to inform members about collaborative divorce, an attractive alternative for couples trying to avoid the high costs of a litigated divorce.
article 10/01/2006
mm-1518
Don't Leave Flex Spending Dollars on the Table
Use this tip to remind members to spend all the money in their flex-spending accounts.
tip 09/29/2006
mm-1599
Four Strategies to Bring Out the Millionaire in Everyone
Encourage members to use these four simple strategies that can make anyone a millionaire.
article 09/29/2006
mm-1586
Eight Essential Estate-Planning Tips
Use this article to help your members outline estate planning steps for the future.
article 08/02/2006
mm-1587
How to Own Property: Multiple Choices
Use this article to inform members about property ownership misconceptions.
article 08/02/2006
mm-1489
Up To Your Eyeballs In Debt?
Use this ad to inform members about the benefits of credit counseling.
ad 07/31/2006
mm-1504
Keep Your Checkbook in Check
Use this article to inform members about ways to avoid bouncing checks.
article 07/31/2006
mm-1514
Deudas Viejas Pueden Arruinar su Reporte de Crédito (Past Debts Could Come Back to Haunt Your Credit Report)
Use this article to tell Hispanic members how past debts could hurt their credit score, and how your credit union services can help.
article 07/31/2006
mm-1572
Make a Will to Have the Last Word
Use this article to explain to members why having a will might be a smart move.
article 07/31/2006
mm-1554
Past Debts Could Come Back to Haunt Your Credit Report
Use this article to tell members how past debts could hurt their credit score, and how your credit union services can help.
article 07/05/2006
mm-1545
Heads or Tails: Is Flipping Houses Too Good to Be True?
Use this article to inform members about what they should consider if they’re thinking of flipping houses.
article 06/07/2006
mm-1566
Disaster-Proof Your Important Papers
Use this article to inform members about what they would need to do if they had to evacuate their home.
article 06/07/2006
mm-1541
Recharge Your Home’s Efficiency
Let members know that remodeling their homes can bring a high rate of return.
article 05/01/2006
mm-1542
Give Your House an Energy Checkup
Inform members about how they can give their home an energy checkup.
article 05/01/2006
mm-1563
Debt Settlement Sets a Costly Trap
Debt-settlement companies promise many things--some too good to be true. Use this article to inform members what they’re getting into before signing on the dotted line.
article 05/01/2006
mm-1564
Permítanos aconsejarle (Leave the Counseling to Us)
Sway members away from the bad guys and urge them to visit your credit union for credit counseling.
article 05/01/2006
mm-1447
Make Financial Room for Baby
There’s no doubt that starting a family is a wonderful step in a couple’s life--and an expensive one. This article tells how to create a baby budget to help reduce money stress.
article 04/01/2006
mm-1455
All “Stuffed” Up, the Infirmity of Affluenza
People can get caught up seeking the lifestyles of the rich and famous. Use this article to inform members about the “gotta have it now” mentality called affluenza.
article 04/01/2006
mm-1442
Five Resolutions to Trim Spending and Reduce Stress
Help members commit to save more money with these five New Year’s resolutions.
article 01/25/2006
mm-1426
Being Good Can Be Bad for Your Credit Rating
Tell members not to rely on intuition when it comes to using credit responsibly.
article 01/24/2006
mm-1393
“Remarried, With Children” Brings Special Financial Challenges
Use this article to let members know the financial challenges that go with remarrying with children.
article 12/01/2005
mm-1394
Protect Your Assets With a Trust Agreement
Use this article to let members know how trusts work and how to start and fund one.
article 12/01/2005
mm-1382
Suddenly Solo--Life After Losing a Mate
Use this article to inform members what they should do if they lose a spouse or life partner.
article 10/27/2005
mm-1302
Debt Assessment: Your Financial Life Preserver
Use this ad to encourage members to come in for a debt assessment--before they get into trouble. Use with corresponding article ID #cr-1322.
ad 09/30/2005
mm-1337
My Personal Net Worth
Use this chart in newsletters and on your Web site to encourage members to figure their own personal net worth.
chart 09/30/2005
mm-1336
Check Your Net Worth at Year-end
Use this tip to encourage members to check their net worth at the same time each year--preferably at year-end. Use with corresponding article ID #6243.
tip 09/01/2005
mm-1338
Back-to-School: Plan Your Budget
Help members plan for back-to-school related expenses with these quick tips.
tip 07/26/2005
mm-1242
For All Your Questions, We Have Answers
Let members know that for all their personal finance questions, you have answers.
ad 06/28/2005
mm-1291
Savvy Shoppers Know “Minimum Advertised Price” Isn’t Always the Bottom Line
Shoppers who understand how “minimum advertised pricing” works know that the advertised price isn’t always the bottom line; they often walk away with the deal they were looking for all along.
article 06/28/2005
mm-1257
Photo: Hands of bride and groom
Use this photo--of the hands of a bride and groom overlapping in front of a floral money arrangement--with articles about prenuptial agreements and personal finance for couples.
photo 05/25/2005
mm-1284
Prenups Clarify “Yours, Mine, and Ours”
Tell members that a prenup isn’t just for the rich and famous; some regular folks can benefit as well. Use with corresponding photo ID #arl-1257.
article 05/25/2005
mm-1299
Un buen indicador de deuda (What’s a Comfortable Debt-to-Income Ratio?)
Use this tip to inform Hispanic members about a comfortable debt-to-income ratio.
tip 05/25/2005
mm-1240
Toasters May Be “Toast” in Luring New Accounts
Inform members that gifts for opening an account might not be such a good deal. Use with corresponding article #mm-1241.
ad 04/29/2005
mm-1241
Toasters May Be “Toast” in Luring New Accounts
Inform members that gifts for opening financial accounts might not be such a good deal. Use with corresponding ad #mm-1240.
article 04/29/2005
mm-1191
Life Got You Down? Debt Cancellation Can Help
Tell members what debt cancellation coverage is and how it can help them get through life’s unforeseen events.
article 03/29/2005
mm-1214
Hispanic Couple
Use this photo of a Hispanic couple with articles about money management to encourage members to come to your credit union for all their financial needs.
photo 03/29/2005
mm-1274
Internet Resources for Special Needs Adults
Internet resources for members with special needs adult children.
tip 03/29/2005
mm-1228
Farmers and Consumers Connect Through CSA
Inform members about the benefits of community supported agriculture.
article 02/23/2005
mm-1164
Photo of Dollar Bill--Origami Butterfly
This image of a dollar bill--folded into a butterfly using origami techniques--can be inserted in your newsletter with articles about money management.
photo 01/28/2005
mm-1197
What’s a Comfortable Debt-to-Income Ratio?
Use this tip to inform members of the 28/36 debt-to-income ratio.
tip 01/28/2005
mm-1120
Trapped in a money maze?
Let your members know you can help them find the way out of their debt maze with this ad.
ad 12/16/2004
mm-1209
Toolbox Basics for Home Repair
Tell members what tools are essential for basic home repairs.
article 12/16/2004
mm-1163
Photo of Dollar Bill--Origami Fan
This image of a dollar bill--folded into a fan using origami techniques--can be inserted in your newsletter with articles about money management.
photo 11/01/2004
mm-1113
What an Interest Rate Hike Might Mean for You
This article explains how an increase in interest rates will affect you and your finances.
article 10/01/2004
mm-1117
The Gift of Getting Organized
Use this article to encourage members to get their financial records organized—it’s a gift of peace of mind.
article 10/01/2004
mm-1090
Hispanic Family With a Money Pattern in the Background
Use this photo of a Hispanic family with articles in Spanish about money management.
photo 08/30/2004
mm-1150
Sepa lo que Tiene (Take Stock of Your Stuff)
This article contains tips to help Hispanic members create a household inventory and encourages them to store that list in a credit union safe deposit box.
article 08/30/2004
mm-1101
Boomers Confused About Finances
A 2004 AARP study highlights the challenges baby boomers face as they try to manage an increasingly complex marketplace.
article 08/01/2004
mm-1024
Safety Tips When Lightning Strikes
Use this article to inform members how to protect themselves and their homes in the event of a lightning strike.
article 03/30/2004
mm-963
Wealth Managers Targeting Mass Affluents
Use this article to inform members about wealth managers and whom they work with.
article 02/25/2004
mm-956
Money Images
These images of coins and currency can be inserted in your newsletter with articles on topics related to money management.
photo 02/01/2004
mm-889
Saying “I Don’t” to Wedding Debt
Encourage members to follow these tips to avoiding postwedding money troubles.
article 01/01/2004
mm-751
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 ad to encourage members to plan for back-to-school spending year-round.
ad 06/01/2003
mm-475
Get Help Before You Can't Get Out
Encourage members who are having a hard time keeping up with finances to seek intervention before their problems worsen.
tip 10/01/2001
mm-234
Housing: Should You Buy or Rent?
Help members determine whether buying or renting works better for their immediate needs and their pocketbook.
article 04/02/2001
mm-363
Credit Unions Help Newlyweds
Let your members know that your credit union can help newlyweds get their finances in order.
spot art 04/02/2001
mm-1469
Need Some Advice?
Remind members that you offer sound financial advice, and services to help them manage their money.
ad 04/02/2001
Mortgage Loans
IDTitleFormatPub Date
ml-1698
Protect Yourself and Your Home From Predators
Predatory lenders and other opportunists check the county records regularly to find homeowners in financial trouble. Help your members spot a scam and avoid falling victim.
article 07/01/2009
ml-2218
New Government Program Keeps Borrowers in Their Homes
Help members who are struggling with mortgage payments understand their options, including the Making Home Affordable program.
article 07/01/2009
ml-424
Los Préstamos sobre el valor liquido de su propiedad puede ayudarle a hacer mejoras (Home Equity Loans Give You Room For Improvement)
Tip off members to the home renovations that provide the greatest return; then help them determine how much they can borrow through a credit union. See also English version #ml-285.
article 06/01/2009
ml-2172
Think Carefully Before Becoming a Landlord
When buying a new house, many people are choosing to rent out their old homes and weather the grim housing market before selling. Give your members factors to consider and encourage them to seek financial advice from their credit union
article 05/04/2009
ml-2122
Appraisers Home in on Value
Tell members about the objective role an appraiser plays in determining home values in the housing market.
article 04/01/2009
ml-2123
Stage Your Home For a Fast Sale
Give your members advice about how to stage and sell a home—even in a down economy.
article 04/01/2009
ml-2124
Foreclosure Crisis Spawns Scams
Warn members to steer clear of foreclosure scams and direct their mortgage worries to their credit union.
article 04/01/2009
ml-2075
Home Equity ...
Use this ad to steer members to the credit union for home equity loans.
ad 03/04/2009
ml-2076
Once the economic dust settles ...
Use this ad to steer members to the credit union for mortgage loans or refinancing.
ad 03/04/2009
ml-2078
The Housing Bubble Has Popped--Nominal Annual Home Price Increases
Use this chart with articles about the housing market, foreclosures, and bankruptcy to show the trend in housing prices from 1975 through 2008.
chart 03/04/2009
ml-2082
Image: CU loans can help with home maintenance
Use this image to tell members that a loan from their credit union can help with renovations and all their home maintenance needs.
spot art 03/04/2009
ml-2086
Sample Closing Costs
Use this resource box to inform members in the home-buying market about closing costs.
resource box 03/04/2009
ml-2118
Design For All
Help senior members live independently in their homes for as long as possible and help younger members plan ahead. Explain the benefits and dispel myths about universal design features.
article 03/04/2009
ml-2098
Mortgage Closings: Understand Four Key Documents
Advise your members to scrutinize and understand four key documents when closing on a house.
article 03/03/2009
ml-2108
Direct Mail Letter: Reverse Mortgages
Send this direct mail letter--which explains how a reverse mortgage works--to members who may be eligible, and encourage them to come to you for help.
direct mail 02/02/2009
ml-2013
Sick With a Toxic Home Loan? We Have the Cure
Reach out to members snagged by the mortgage mess; invite them to repair the damage with a credit union home loan.
ad 12/03/2008
ml-2022
When Buying a House, Be Prepared for Upfront Costs
Use this resource box to inform members about the upfront costs of purchasing a house.
resource box 11/03/2008
ml-396
Tip: Kitchen Spruce Up
Let members know that remodeling a kitchen can bring them a high rate of return.
tip 10/01/2008
ml-1986
Reverse Mortgage
Use this article to inform your members about the costs of reverse mortgages.
article 09/26/2008
ml-1956
Are Gas and Food Prices Putting the Squeeze on Your Mortgage Payment?
This ad lets members know you're there to help if money is tight, especially if they're having problems making their mortgage payment.
ad 09/02/2008
ml-821
Seniors Plug Income Gaps With Reverse Mortgages
Older Americans are looking for extra funds. One option is a reverse mortgage. This article describes reverse mortgages and what members should be aware of before obtaining one.
article 09/02/2008
ml-1955
Key Benefits of Refinancing
Remind members that mortgage rates still leave room for prudent refinancing. [Use with the appropriate equal housing logo.]
ad 08/01/2008
ml-1188
Borrowing Against Your Home Requires Discipline
Caution members about the discipline required when borrowing against their home.
article 08/01/2008
ml-909
Steer Clear of Interest-Only Loans
Use this article to warn members about interest-only loans, where the only payment the borrower makes for the first few years is on the interest, not on the principal.
article 07/21/2008
ml-914
The Homestretch: Paying Off a Mortgage With a Home Equity Loan
With a home equity loan, members could be throwing that mortgage-burning party sooner than they think.
article 07/21/2008
ml-697
It's On the House
Let members know that home equity loans can be used for more than just a remodeling project.
article 07/14/2008
ml-511
Como lograr que se le apruebe su Prestamo para Vivienda--How to Become Mortgageable
Encourage low- and moderate-income members to contact the credit union to learn about home buying and the "Three Cs" test before they start looking.
article 07/07/2008
ml-570
Prequalified or Preapproved: Know the Difference When House Shopping
Explain to members the difference of being prequalified for a mortgage and being preapproved, and encourage them to come to your credit union for both.
article 07/07/2008
ml-973
Preparing Your Home for Sale: Small Improvements Make Big Impact
This article contains several valuable tips to help members get the best price possible when selling their house.
article 07/07/2008
ml-1917
Smart Home Owners Use Equity
Assure responsible home owners that they still qualify for home equity loans. (Observe proper disclosure requirements and use the equal housing opportunity/lender logo.)
ad 06/30/2008
ml-461
Building a Dream Home Is Easy
Help members build their dream homes by telling them about the different loan options available at your credit union.
article 06/30/2008
ml-1065
Finance Your Home With a Construction Loan
Use this article to describe the different types of construction loans available to members who plan to build their homes.
article 06/30/2008
ml-1942
Loan Modification Might Solve Mortgage Woes
Tell your members how a mortgage loan modification might be a good option for them.
article 06/30/2008
ml-1990
Pay Off Your Mortgage Sooner...or Later?
Inform your members about the pros and cons of mortgage prepayment.
article 06/30/2008
ml-230
Turning Your Home's Equity Into a Car
Home equity can help members finance home improvements, college tuition, a home-based business, and even a car. Explain how equity in their homes can work for them.
article 06/26/2008
ml-253
True or False: It's Always Smart to Prepay Your Mortgage
Help members determine the impact on their other finances of prepaying a mortgage.
article 06/26/2008
ml-259
The Smart Way to Sell a House
Tips help members set a price, tackle repairs, plan an open house, and send potential buyers to the credit union.
article 06/26/2008
ml-278
Put Your Home Equity to Work
Explain what home equity loans are, how they work, and why they're financially beneficial.
article 06/26/2008
ml-305
High Loan-to-Value Loan: Friend or Foe?
Warn members of the risks with HLTV mortgages and remind them that your credit union offers safe alternatives.
article 06/26/2008
ml-333
Sold sign
Tell members your credit union's low mortgage rates can make owning "more" house a reality.
spot art 06/26/2008
ml-431
Jump on Board to Refinance
Explain to members what refinancing can do for them and encourage them to refinance through your credit union.
ad 06/26/2008
ml-456
Help With Your First Mortgage
Let members know your credit union can help with their first mortgage.
ad 06/26/2008
ml-463
Refinanciamiento: ¿Es beneficioso para usted? (Refinancing: What's in It for You)
Outline the chief reasons to refinance, how to compare costs with benefits, and how the credit union can help.
article 06/26/2008
ml-583
Home Equity Makes it Happen
Let members know the benefits of a home equity loan.
ad 06/26/2008
ml-593
The Ins and Outs of Reverse Mortgages
Inform members about reverse mortgages and where they can learn more about them.
article 06/26/2008
ml-711
What’s Your Home Worth?
Use this article to tell members the importance of knowing their home’s value. It especially will help them when they want to sell their house or borrow against equity.
article 06/26/2008
ml-285
Home Equity Loans Give You Room For Improvement
Tip off members to the home renovations that provide the greatest return; then help them determine how much they can borrow through a credit union home equity loan. See also Spanish version of article #ml-424.
article 06/24/2008
ml-150
Don't Move, Improve!
Tell members not to move but to improve their homes with home equity loans from your credit union.
spot art 06/23/2008
ml-756
Home Equity Direct Mail Letter
Let members know about the home equity loans you offer with this direct mail letter.
direct mail 06/23/2008
ml-395
Own a Home and Make Memories
Your credit union's low mortgage rates are the key to members' home ownership.
ad 06/17/2008
ml-440
Protect the Roof Over Your Head
Your credit union's low loan rates will help make members' home improvements affordable.
ad 06/17/2008
ml-505
Home Improvement Scammers: When They Come Knockin’ Send ‘Em Walkin’
Help your members ward off home improvement scam artists by telling them what to watch for. Direct them to your credit union for a home equity loan so they can afford to have their repairs done right.
article 06/16/2008
ml-587
Home Equity Can Be Tax Deductible
Tell members that home equity loans usually are tax deductible, but there are some limitations.
tip 06/16/2008
ml-724
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.
article 06/16/2008
ml-725
Pay Off Your Mortgage With a Home Equity Loan
With interest rates so low, everyone wants to refinance. Use this ad to encourage members to get a home equity loan to pay off their existing mortgage.
ad 06/16/2008
ml-733
Buy a House--For Your Kid
Tell members about buying a house or duplex for their college student to live in. Inform them about the money-making opportunity, as well as the chance to teach kids to become responsible homeowners.
article 06/16/2008
ml-811
Q & A: Should I Use a Home Equity Loan to Pay Off My Mortgage?
With interest rates so low, everyone wants to refinance. Use this article to let members know they can use a lower-rate home equity loan to pay off a small mortgage balance.
article 06/16/2008
ml-901
How to Choose a Home Warranty
Use this article to explain what a home warranty is and to help members decide if they should purchase one.
article 06/16/2008
ml-902
Selecting a Real Estate Selling Agent
Help your members select the right real estate selling agent to help them sell their home.
article 06/16/2008
ml-1008
Follow Your Path to Wealth: Home Ownership
Use this ad to encourage lower income and minority members to save for a home and build personal wealth. Use with corresponding article ID #5053.
ad 06/16/2008
ml-1948
Rethinking Home Equity Loans
Help your members understand the risks and benefits of borrowing against their home equity with this article.
article 06/01/2008
ml-1916
Home Loan Opportunity Knocks Twice
Bad housing news presents an opportunity to capture some members' mortgage refinancings. This ad can help. (Observe proper disclosure requirements and use the equal housing lender/opportunity logo.)
ad 05/01/2008
ml-1924
Will a Refi Save You Money?
Tell members--with this tip--that you can run the numbers to see if a mortgage refinance is right for them.
tip 05/01/2008
ml-334
Equal Housing Lender Logo
Use this symbol on your mortgage- and home equity-related promotions. State chartered credit unions have to use the Equal Housing Opportunity logo, while federal credit unions may use either the Equal Housing Lender or Equal Housing Oppportunity logo.
spot art 04/02/2008
ml-898
Refinancing Checklist
This checklist can help members who have the refinancing bug prepare to refinance.
article 04/01/2008
ml-1931
Devise a Down-Payment Plan
Even in a shaky housing market, your members can become first-time home buyers. Use this article to let them know about ways to build a down payment.
article 03/28/2008
ml-1218
Reverse Mortgage: A Loan With a Different Twist
This articles explains what a reverse mortgage is and helps members decide if one is right for them.
article 03/01/2008
ml-1876
Rate Adjustment Looming? We Can Help.
Use this ad to encourage members facing a rate adjustment to visit your credit union to refinance or for help with a budget. Use with CARTX tip ID# ml-1893.
ad 01/31/2008
ml-1893
How an ARM Adjustment Affects Your Monthly Mortgage Payment
Use this tip to show members how a rate adjustment can affect their monthly mortgage payment. Use with corresponding ID# ml-1876.
tip 01/31/2008
ml-1900
Buying Foreclosed Houses Not a Slam-Dunk Deal
Tell members how to get a good deal on a foreclosed property—caution required.
article 01/31/2008
ml-1815
Make It Your Own
Single women buy as many as 22% of houses these days. Tell this significant market segment about your home loan services.
ad 01/02/2008
ml-1828
Moving? What to Do and When to Do It
Use this resource box to help members know what to do and when as they prepare for a big move.
resource box 01/02/2008
ml-1869
Land Contract an Option in Unsure Mortgage Market
Use this article to help your members understand what land contracts are and when they may be one option for selling a house.
article 01/02/2008
ml-1546
Tap Your Home's Equity
Use this article to inform members about the benefits of a home equity loan or home equity line of credit (HELOC).
article 01/01/2008
ml-1848
Longevity on the Home Front: How Long Will That Furnace Last?
Use this article to help members gauge the longevity of their home’s structural and mechanical components. Use with corresponding chart #ml-1852.
article 11/29/2007
ml-1852
Longevity of Home Components
Give this chart to members to help them gauge the longevity of their home’s structural and mechanical components. Use with corresponding article #ml-1848.
chart 11/29/2007
ml-1858
Before You Sign a Lease …
Use this article to help members know what to do before signing a lease for rental property.
article 11/29/2007
ml-1841
Direct Mail Letter--We're a Home Lender You Can Trust
Turn the mortgage crisis into an opportunity by reminding members you wear the white hat in home loan lending. [Observe proper disclosure requirements and use the equal housing logo with this direct mail letter.]
direct mail 11/02/2007
ml-1785
‘Exótico’ Significa ‘Riesgoso’ Cuando se Habla de Hipotecas ('Exotic' Means 'Riskier' When Talking Mortgages)
Use this article to warn your Hispanic members about the traps of exotic mortgages. See also English version #ml-1753.
article 09/27/2007
ml-1806
What to Do When Your ARM Is Due
Use this article to help your members devise a plan for when their fixed-rate period draws to an end on their adjustable-rate mortgage (ARM).
article 08/30/2007
ml-1760
Relax--Welcome Home
Bad mortgage news may have members thinking this is not a good time to apply. Use this ad to tell them otherwise.
ad 07/26/2007
ml-1315
Spot Art: House Key on Paper Money
Remind members that your credit union offers home equity loans, with all of the benefits.
spot art 07/26/2007
ml-1783
Ventajas de Tener una Vivienda Propia (Benefits of Home Ownership)
Use this resource box to help your Hispanic members understand the benefits of home ownership. See also English version ID #ml-1729.
resource box 07/26/2007
ml-1716
Welcome Home
Use this ad to let members know that your HLPR program can help them open the door to affordable housing.
ad 05/30/2007
ml-1717
American Dream Might Be Closer Than You Think
Use this ad to let members know that your credit union offers mortgage programs that can help them buy a home of their own.
ad 05/30/2007
ml-1729
Benefits of Home Ownership
Use this resource box to help members understand the benefits of home ownership. See also Spanish version ID #ml-1783.
resource box 05/30/2007
ml-1753
'Exotic’ Means ‘Riskier’ When Talking Mortgages
Use this article to warn members about the traps of exotic mortgages.
article 05/30/2007
ml-111
REFI Loans
Promote your low rates and the benefits of refinancing with this design.
spot art 04/02/2007
ml-354
New House Framing
Use this art to tell members your low-rate first mortgage loans help them build a new home and financial security.
spot art 04/02/2007
ml-1700
Construction and Bridge Loans Match Special Needs
Use this article to inform members about how to use construction and bridge loans wisely.
article 03/01/2007
ml-1712
Equal Housing Opportunity Logo
Use this symbol on your mortgage- and home equity-related promotions. State chartered credit unions have to use the Equal Housing Opportunity logo, while federal credit unions may use either the Equal Housing Lender or Equal Housing Oppportunity logo.
spot art 02/20/2007
ml-1693
Proactive Homeowners Most Likely to Prevent Foreclosure
Use this article to encourage members to visit your credit union if they start to fall behind in their mortgage payments or experience a financial bump in the road.
article 12/27/2006
ml-1488
Do You Need a Washing Machine Loan?
Use this ad to promote home equity loans for members looking to revamp and remodel their houses.
ad 09/29/2006
ml-1487
Do You Need an Icky Bathtub Loan?
Use this ad to promote home equity loans for members looking to revamp and remodel their houses.
ad 09/01/2006
ml-1507
Half-Century Mortgages: Do They Make Sense?
Use this article to encourage members to come to your credit union for help deciding which mortgage product is best for them.
article 09/01/2006
ml-1585
Prefab Housing Becoming Pretty Fabulous
Use this article to inform members about the growing trend of manufactured housing.
article 08/02/2006
ml-1486
Do You Need a Television Loan?
Use this ad to promote home equity loans for members looking to revamp and remodel their houses or update their electronics.
ad 07/31/2006
ml-1543
Home Equity Loans: Low-Cost, Tax-Advantaged Credit
Use this article to highlight your credit union’s home equity loans and encourage members to borrow responsibly.
article 06/07/2006
ml-1544
The Down-Payment Debate: Can You Afford No or Low Down Payments?
Use this article to give your members the details of no- or low-down-payment mortgages.
article 06/07/2006
ml-1415
HLPR Loan Can Make Your Dream a Reality
Advertise your new HLPR loan program to help your eligible members.
ad 04/01/2006
ml-1432
El Préstamo HLPR Puede Hacer su Sueño de Tener una Casa Realidad (HLPR Loan Can Make Your Dream of Home a Reality)
Tell members about your new HLPR loan mortgage program.
article 04/01/2006
ml-1399
Direct Mail Letter: Home Equity
Use this direct mail piece to tell members about your home equity loan program.
direct mail 01/24/2006
ml-1417
Some Homeowners Are Getting Stuck With High-Cost Loans. Don’t be one of them.
Use this ad to warn members about the dangers of high-cost mortgage loans from independent brokers.
ad 01/24/2006
ml-1422
HLPR Loan Can Make Your Dream of Home a Reality
Tell members about your new HLPR loan mortgage program.
article 01/24/2006
ml-1424
Beware Mortgage Foreclosure Rescue Scams
Warm members about the dangers of mortgage foreclosure rescue scams.
article 01/24/2006
ml-1443
Direct Mail Letter: Home Equity Line of Credit
Use this direct mail piece to tell members about your home equity line of credit program.
direct mail 01/24/2006
ml-1341
Is a Hybrid Mortgage Right for You?
Help members understand what a hybrid mortgage is and how it provides the features of both a fixed-rate and adjustable-rate mortgage.
article 12/31/2005
ml-1306
Compare Mortgage Costs and Benefits
Use this chart to inform members about the benefits and costs of varying mortgage terms.
chart 09/01/2005
ml-1342
Home Remodeling: What Questions Should You Be Asking?
Thinking about renovating your home? Use this article to let members know what kinds of questions they should be asking themselves and contractors before remodeling.
article 09/01/2005
ml-1262
Photo of House Frame
Use this photo of a house under construction with articles about your construction and mortgage loan programs.
photo 06/28/2005
ml-1286
Home Value Search Engines Show Home’s Equity
Show members how home value search engines can help estimate the equity in their house.
article 05/25/2005
ml-1261
Photo of Builder and House Frame
Use this photo of a house under construction with articles about your construction and mortgage loan programs.
photo 04/29/2005
ml-1178
Buying a House? Get a Head Start
Use this ad to let members know your credit union can help them prepare for buying a house.
ad 02/23/2005
ml-1194
Collage of House Photos
This collage of house photos can be inserted in your newsletter with articles about obtaining a mortgage.
photo 02/23/2005
ml-1091
Hispanic Mother and Son in Front of Home
Use this photo of a Hispanic mother and son with articles in Spanish about home ownership and money management.
photo 10/01/2004
ml-1096
The Low-Down on Low Down Payments
Encourage members to talk to your credit union’s mortgage lender about the risks before considering a low- or no-down-payment mortgage.
article 08/30/2004
ml-1076
Building a House? We’ve Been Down This Road
Encourage members who are planning to build a house to come to your credit union for a construction loan.
ad 08/01/2004
ml-1103
Real-Estate Agent Direct Mail Letter
Use this direct mail piece to market your products and services to local real-estate agents and encourage them to refer home buyers to you.
direct mail 08/01/2004
ml-1007
Home Ownership is Path to Wealth
Use this article to encourage members to save and build wealth through home ownership. Use with corresponding ad ID #ml-1008.
article 05/26/2004
ml-941
Predatory Mortgage Lending Victimizes Working Poor
Use this article to educate members about the dangers and different kinds of predatory lending practices.
article 04/01/2004
ml-970
Looking for Trouble: Home Inspections 101
Use this article to inform members of the importance of a home inspection--not only for prospective buyers, but also for homeowners who have lingering concerns about condition or safety.
article 03/30/2004
ml-929
Need More Room?
Use this ad to educate members about home equity loans and their availability from your credit union.
ad 03/01/2004
ml-940
Understand Mortgage Preapproval and Prequalification
Use this article to help members understand the difference between preapproval and prequalification when applying for a loan.
article 03/01/2004
ml-861
Small Mortgage Balance? Here's How to Pay it Off
For members with small mortgage balances, this table can help determine which loan type might be best.
chart 11/01/2003
ml-916
Mortgage refinancing direct mail letter
Inform members about the possibility of refinancing a mortgage at your credit union with this direct mail letter.
direct mail 11/01/2003
ml-840
Photo of woman and toddler opening door to new house
African American woman with African American toddler girl opening door to new house.
photo 09/01/2003
ml-841
Photo of family entering new home
African American couple with African American toddler girl entering a new house.
photo 09/01/2003
ml-842
Photo of couple entering new home
African American couple entering a new house.
photo 09/01/2003
ml-843
Photo of couple resting on front porch of home
Caucasian middle-aged couple resting on the porch of a new house. Caucasian female is waving.
photo 09/01/2003
ml-844
Photo of couple moving boxes into new home
Caucasian middle-aged couple moving boxes into a new house.
photo 09/01/2003
ml-845
Photo of couple resting on front porch of home
Caucasian middle-aged couple resting on front porch--taking a break from moving into a new house.
photo 09/01/2003
ml-846
Photo with couple and toddler sitting on front porch of new home
African American couple with African American toddler girl sitting on the porch of a new house.
photo 09/01/2003
ml-824
What Will My Monthly Mortgage Payment Be?
Use this table to help members get an idea of what their mortgage payments will be, and the total interest paid over the life a 30-year mortgage.
chart 08/01/2003
ml-825
What Will My Monthly Mortgage Payment Be?
Use this table to help members get an idea of what their mortgage payments will be, and the total interest paid over the life a 20-year mortgage.
chart 08/01/2003
ml-826
What Will My Monthly Mortgage Payment Be?
Use this table to help members get an idea of what their mortgage payments will be, and the total interest paid over the life a 15-year mortgage.
chart 08/01/2003
ml-730
A Home Equity Loan Can Finance Your Remodeling Project
Use this photo to show members your credit union provides home equity loans to help remodel or expand their house.
photo 05/01/2003
ml-698
Your Mortgage: Pay Off or Pay Up?
Help members decide whether to pay off their mortgage or not.
article 03/01/2003
ml-699
Is a Shorter Mortgage Smarter?
Help members decide if a shorter mortgage term is best for them with this article.
article 03/01/2003
ml-647
Take Advantage of Record Low Rates
Tell members to take advantage of good rates and get a home equity loan or open a home equity line of credit.
ad 11/01/2002
ml-397
Your Home: Your Silent Partner
With low interest rates, remind members it's a great time to put the equity in their homes to work for them.
ad 10/01/2001
ml-491
Home Equity Loans Mix the Memories With the Modern
Tell your members about using home equity loans to renovate their homes.
ad 09/01/2001
ml-451
Don't Just Use a Band-Aid; Really Fix It
Members save money when they finance their remodeling projects with a low-rate loan from the credit union.
ad 07/01/2001
ml-400
Make Your House Your Castle
Remind members they can use the equity in their houses for home improvements and more.
ad 04/02/2001
ml-1468
How to Become Mortgageable
Encourage low- and moderate-income members to contact the credit union to learn about home buying and the "Three C’s" test before they start looking.
article 03/01/1998
Retirement
IDTitleFormatPub Date
rt-2217
Play Catch-Up to Make Up for Nest Egg Losses
In the wake of stock market losses and/or company cutbacks, give members strategies that can boost their savings and salvage retirement plans.
article 09/01/2009
rt-1068
Retirement: How Much Do You Need to Save?
Educate members about what to know and do to help make sure they have enough money for retirement.
article 06/26/2009
rt-1831
On Your Road to Retirement Glossary
Give members this handy glossary to help them understand retirement-related financial terms. Encourage them to visit your credit union to invest in many of the products listed.
article 06/01/2009
rt-2119
Volunteer—Feel Better by Doing Good
Inform adult members about the health benefits associated with volunteering before and during retirement and help them get started.
article 05/04/2009
rt-1750
SEP, SIMPLE Plans Help Entrepreneurs Reach Retirement Goals
Use this article to encourage entrepreneurs to plan for retirement.
article 04/30/2009
rt-403
IRA Update Will Help Avoid Probate
Tell members the importance of keeping their IRA's designated beneficiaries up-to-date.
tip 04/02/2009
rt-474
Tax-Deductible, Tax-Deferred
Explain to members the tax benefits that IRAs offer.
ad 04/01/2009
rt-2116
Retirees Share Lessons Learned
Help adult members prepare for retirement with these valuable lessons learned by retirees.
article 04/01/2009
rt-2081
Image showing calendar with April 15 date--Make IRA Contribution today
Remind members they have until April 15 to make contributions to their traditional or Roth IRA (Individual Retirement Account) for the 2008 tax year and still write it off on their income tax return.
spot art 02/02/2009
rt-2112
401(k) Loans Put Nest Egg on the Line
Encourage cash-strapped members to consider options other than borrowing from their retirement plan funds.
article 01/05/2009
rt-1962
Spot art for IRA Catch-ups
Use this art to inform members about the IRA catch-up provision.
spot art 09/26/2008
rt-1975
Do You Know What Your 401(k) Plan Is Charging You in Fees?
Use this tip to encourage members to calculate their 401(k) management fees.
tip 09/02/2008
rt-495
IRA “Catch-Ups” Earn Big Bucks
Tell your members 50 and older to take advantage of playing IRA “catch up.” Use with corresponding spot art #rt-1962.
article 09/02/2008
rt-1984
How To Retire Early
Use this article to encourage your members to plan ahead if they’re considering early retirement.
article 09/02/2008
rt-1961
IRA spot art
Encourage members to grow their nest egg and invest in an IRA with this spot art.
spot art 09/02/2008
rt-1996
Avoid Conversion Confusion With Roth IRAs
Help members prepare for retirement and notify them of the 2008 rule change regarding conversion of an employer retirement plan to a Roth IRA.
article 08/01/2008
rt-1499
Contributing to a Traditional IRA—For 2008 Tax Year
Use this resource box to show members tax deduction amounts if they contribute to a traditional IRA.
resource box 08/01/2008
rt-734
More Than a Retirement Plan: Social Security Offers Benefits for Younger Workers Too
Let members know that Social Security benefits younger workers too.
article 07/21/2008
rt-890
Five Steps to an Early Retirement
Help your members plan for an early retirement with these five steps.
article 07/21/2008
rt-299
Moms, Don't Give Up Your Retirement Goals
Add deposits by reminding members that stay-at-home moms can contribute to IRAs.
article 07/07/2008
rt-501
The Easy Way to Contribute to an IRA
Let members know how easy it is to contribute to an IRA through payroll deduction.
article 07/07/2008
rt-611
Baby Boomers Plan Active Retirements
Tell members about new trends in retirement spending.
article 07/07/2008
rt-580
IRS Promotes New Retirement Savings Tax Credit
Tell members about the new retirement savings tax credit and explain how it might benefit them.
article 07/01/2008
rt-208
IRA Direct Rollovers Make Sense
Today's workers average six job changes during their work lives. Help your members avoid taxes and penalties on pension funds by establishing an IRA at your credit union.
article 06/30/2008
rt-1922
One Way to Avoid Early Withdrawal Penalty
Use this tip to tell members about using equal periodic payments to avoid the 10% early withdrawal penalty on traditional IRAs.
tip 06/30/2008
rt-558
Is the Nest Too Large for Two?
Let members know when downsizing their homes, your credit union can help.
ad 06/26/2008
rt-298
10 Steps to Creating a Financial Plan for a Secure Retirement
Simple process launches members toward saving for the future.
article 06/25/2008
rt-457
Retirement Age on the Rise
Tell members that the retirement age for full Social Security benefits is increasing from 65 to 67.
article 06/25/2008
rt-675
Your Pension Plan: An Owner’s Guide
This article encourages employees to learn about their pension plans before retirement so they can make good decisions now.
article 06/25/2008
rt-1464
IRA Safe Place
Make sure members think of your credit union as a safe place for their retirement dollars to grow.
ad 06/17/2008
rt-735
Following the Rules: Withdrawing From Your IRA
The rules that govern minimum required distributions from IRAs (individual retirement accounts) are among the most complicated in our tax code. This article gives a brief overview of those rules.
article 06/16/2008
rt-1921
Got Roth?
Use this tip to tell members about the benefits of opening a Roth IRA.
tip 06/01/2008
rt-31
IRA Rollovers
Explain the advantages of rolling over a retirement plan payout to a credit union IRA.
spot art 05/12/2008
rt-500
Tax Change Means Larger 401(k) Contributions
Tell your members how the new tax bill will affect their employers’ 401(k) plans and how the maximum contribution amounts are changing.
article 05/12/2008
rt-810
IRA Contributions Direct Mail Letter
Inform members about your IRA programs and how easy it is with direct deposit using this direct mail letter.
direct mail 05/12/2008
rt-107
Make a Roth IRA Work for You
Use this artwork to spell out the advantages of a Roth IRA.
spot art 05/07/2008
rt-221
Roth IRAs: Right For You?
Explain the rules and benefits of this new account to help members decide if it's the right place for their savings.
article 05/07/2008
rt-257
IRAs and [NAME CREDIT UNION]: A winning formula
Remind members the key rules of owning an IRA and how to roll over an IRA into a credit union certificate.
article 05/07/2008
rt-556
Roth IRA Benefits
Tell members the benefit of opening a Roth IRA.
article 05/07/2008
rt-640
IRA Contributions Mean Thousands in Dividends
Use this chart to show members how compounding interest helps their IRA grow.
chart 05/07/2008
rt-1059
Roth IRA chart
Use this chart to show your members how regular contributions to a Roth IRA add up.
chart 05/07/2008
rt-912
Roth IRA--Good for Your Savings Plan
Use this article to show members the benefits of opening a Roth IRA at your credit union.
article 05/01/2008
rt-1865
Is Retiring Abroad Right for You?
Use this article to help members explore the possibility of retiring abroad.
article 05/01/2008
rt-609
Saving Can Continue After Retirement
Tell members how they can save, even after retirement.
article 03/01/2008
rt-953
Savings catch-up plan
Encourage members 50 and older to take advantage of catch-up provisions to boost retirement savings.
tip 03/01/2008
rt-1862
Part-Time Work Proves Rewarding for Retirees
Use this article to help members determine if part-time work after retirement is right for them.
article 02/27/2008
rt-1863
Can You Count on Social Security?
With the uncertain future of social security, advise your members to start saving more money for retirement.
article 01/31/2008
rt-1866
Retirement Living: What Will It Cost?
Use this article to help members determine the cost of living expenses in retirement.
article 01/31/2008
rt-1659
Limits for Retirement Account Contributions
Give members updated limits for SIMPLE and IRA investments, including catch-up provisions.
chart 01/02/2008
rt-878
What Does It Take to Retire?
This calculation can help members determine how much money they’ll need to live in retirement.
article 01/01/2008
rt-1215
Inheriting an IRA: Big Money at Stake
Help members understand the rules of inheriting an IRA.
article 01/01/2008
rt-1534
Roth IRA: Who Can Contribute?
Use this resource box to show members income restrictions for contributing to a Roth IRA.
resource box 01/01/2008
rt-1861
401(k) Fees: Know What You’re Paying, What You’re Getting
Use this article to warn members about costly 401(k) fees and expenses that can negatively affect plan performances.
article 11/29/2007
rt-1057
Increase Contributions to Build a Bigger Nest Egg
Use this article to encourage members to make incremental increases to their company-sponsored retirement plans.
article 10/01/2007
rt-1798
401(k) Rollovers at Retirement
Retiring members face choices about what to do with retirement funds; remind them that your credit union has investment opportunities for them
article 07/26/2007
rt-1720
Financial Effect of IRA Contribution Change
This chart shows members how the IRA "catch-up" provision increases their investment return over the years.
chart 05/30/2007
rt-1743
Senior Homesharing a Win-Win
Use this article to explain the benefits of homesharing to members.
article 03/27/2007
rt-360
CUs Can Help With Retirement
Remind members that your credit union can help them achieve a leisurely, comfortable retirement.
spot art 01/01/2007
rt-1692
Roth IRA Early Withdrawals May Prompt Penalties
Use this article to help members examine all aspects of early Roth IRA withdrawals.
article 12/27/2006
rt-1601
Put Your Money Where Your Mouth Is
Help members get and stay on track to meet retirement goals with your IRA products.
ad 10/30/2006
rt-1510
Delaying Retirement by One Year Boosts Income by 5%
Use this article to help late savers find ways to save for their retirement years.
article 09/29/2006
rt-1595
Mark These Key Birthdays in the Coming Years
Use this article to alert members about actions to take at certain ages as they approach retirement.
article 09/29/2006
rt-1539
Did You Leave a Retirement Plan at a Former Job?
Use this article to inform members about retirement saving options.
article 07/31/2006
rt-1533
Investing: Starting at Age 25 vs. Age 35
This figure shows the difference between starting to invest at age 25 vs. age 35.
chart 07/05/2006
rt-1538
To Convert or Not to Convert … to a Roth IRA
Use this article to help members decide whether to convert from a traditional IRA to a Roth IRA.
article 07/05/2006
rt-1537
Looming Pension Crisis: Plan Ahead
Warn members about the looming pension crisis, and let them know about five factors to consider as they build their retirement nest egg.
article 06/07/2006
rt-1548
Inflation Squeezes Your Nest Egg
Use this article to show members how inflation can squeeze their nest egg.
article 06/07/2006
rt-1551
If Your Pension Goes Belly-Up, Do You Have a Backup?
Use this ad to promote your credit union IRAs in response to a looming pension crisis.
ad 05/26/2006
rt-1445
Introducing the Roth 401(k)--A New Workplace Savings Opportunity
This article explains the new Roth 401(k) and its differences from the 401(k) and Roth IRA plans.
article 02/22/2006
rt-1374
Retirement Blunder: Cashing Out Your 401(k)
Warn members about the dangers of cashing out their 401(k), and encourage them to come to you for a direct rollover to an IRA.
article 12/01/2005
rt-1310
Photo: Elderly couple
Use this photo of a Caucasian mature adult couple, standing with tennis racquet and camera, with articles about saving for retirement.
photo 09/01/2005
rt-1258
Retired and Returning to Work
Use this article to help your senior members who are contemplating returning to the work force.
article 06/28/2005
rt-1244
Chart: Social Security retirement age
Use this chart to show members the age at which they can receive full Social Security benefits, based on their year of birth.
chart 05/25/2005
rt-1282
Design an IRA Strategy That’s Right for You
Remind members that a simple IRA (individual retirement account) can be a powerful addition to their retirement plans. Use with corresponding spot art ID #iv-1269.
article 05/20/2005
rt-1277
Investing for Retirement: Five Time-Tested Techniques
Help members invest for retirement.
article 03/29/2005
rt-1172
Sorting Out Your IRA Options
Help members evaluate their IRA options with these general guidelines.
article 11/29/2004
rt-1152
How to Tap Your Retirement Nest Egg
Help members determine how much they can annually withdraw from their retirement savings, in both good and bad economic times.
article 11/01/2004
rt-1079
Save Your Identity With E-Statements
Help members reduce fraud risk by receiving their statements electronically.
ad 08/30/2004
Savings
IDTitleFormatPub Date
sv-2140
Your Savings--A Soft Place to Land
Use this ad to show members the comfort of having savings. Corresponds with article #sv-2156.
ad 07/01/2009
sv-2156
Savings Cushion Gives Soft Place to Land During Economic Downturn
Use this article to show members the importance of having a savings cushion. Corresponds with ad #sv-2140.
article 07/01/2009
sv-207
All Savings Are for Spending
The advantages of CU share savings, money market accounts, and certificates.
article 06/01/2009
sv-2073
America Saves Week 2009
Participate in America Saves Week. Use this ad to promote member savings. See corresponding articles #sv-2090 and #sv-2091.
ad 02/02/2009
sv-2079
Personal Savings Rate
This figure shows how the nation is saving as a whole and shows what factors have attributed to this crisis.
chart 02/02/2009
sv-2090
Step Up Your Savings During America Saves Week
Encourage your members to participate in America Saves Week. See corresponding ad #sv-2073 and article #sv-2091.
article 02/02/2009
sv-2091
Step Up Your Savings During Military Saves Week
Encourage your credit union's military members to participate in the Military Saves campaign. See corresponding ad #sv-2073 and article #sv-2090.
article 02/02/2009
sv-1958
Budget for Infrequent Expenses
Give this table to members as a guide for budgeting for infrequent expenses. Use with corresponding article # sv-1936.
chart 09/02/2008
sv-222
Truth in Savings: Deposit Wisely
Explain APY and provide questions that will help members make apples-to-apples comparisons when they're looking for a place for their savings.
article 07/21/2008
sv-209
The Money Market Advantage
Credit union money market accounts typically offer higher dividends than regular share accounts and readily available cash.
article 07/07/2008
sv-141
Members Benefit By Comparing Interest Rates
Make sure members know that T-I-S benefits them by making interest rates easy to compare.
spot art 07/01/2008
sv-472
Jump Start Your Savings
Depositing part--or all--of an income tax refund can be a big boost to a member's savings account.
ad 06/30/2008
sv-210
Make Share Draft Safety Routine
Eight simple habits to help members use their share draft accounts safely.
article 06/24/2008
sv-276
Save Time and Money With Direct Payments
Tell your members that direct payments are a quick, safe, and convenient method of paying bills.
article 06/24/2008
sv-325
Brokered CDs Cause Some Problems
Explain the difference between insured share certificates from the CU and brokered CDs that may be called if rates fall.
article 06/23/2008
sv-326
Another Easy Way to Pay Online
Give members five smart tips to follow when debiting online using ACH.
article 06/23/2008
sv-23
Balancing Piggy Bank
Remind members that saving money pays off with a credit union savings account.
spot art 06/19/2008
sv-88
Piggy Bank Face-Off
Remind members to bulk up short-term savings with share certificates or money market accounts.
spot art 06/19/2008
sv-167
Plan Ahead for Holiday Spending
Remind members to set up a special savings account so they won't have empty pockets during the holidays.
spot art 06/19/2008
sv-211
Checking Out Share Draft Accounts
Compare minimum monthly balance, dividend rate, and fees to find the best checking deal.
article 06/19/2008
sv-258
Put Savings on Automatic
Promote direct deposit and payroll deduction.
article 06/19/2008
sv-345
Money Muscles
Use this art to show members the earning power that comes with your credit union share certificates.
spot art 06/19/2008
sv-425
Todos los Ahorros son para Gastarlos--All Savings Are for Spending
The advantages of CU share savings, money market accounts, and certificates.
article 06/19/2008
sv-426
Automatice Sus Ahorros! (Put Savings on Automatic)
Show members how to overcome four common excuses for not saving money; article promotes direct deposit and payroll deduction.
article 06/19/2008
sv-405
Money Markets Make Sense
Use this ad to create awareness of your money market accounts.
ad 06/17/2008
sv-406
The Sooner, the Bigger
Explain to members the benefits of starting to save early.
ad 06/17/2008
sv-1936
Stop Denying, Start Saving to Cope with Infrequent Expenses
Use this article to help members understand the importance of budgeting for infrequent expenses.
article 05/01/2008
sv-473
New Year, New Start
A new year is a great time to encourage members to develop new financial habits. Make saving at your credit union one of them.
ad 04/30/2008
sv-1317
Spot art: Saving for a rainy day
Use this spot art of a dollar sign under an umbrella with articles that emphasize the importance of emergency savings. Use with corresponding article ID #3079.
spot art 09/30/2007
sv-109
Direct Deposit Is Convenient
Direct deposit is convenient, and with this artwork, it's easy to encourage your members to use it.
spot art 09/01/2007
sv-132
Safety, Liquidity, Yield--Save at Your Credit Union
Credit union representatives can spell out what safety, liquidity, and yield mean to members and put them together in a savings program that meets member needs.
spot art 09/01/2007
sv-260
Take Stock of Your Stuff
Members can rest easy after following these tips to create a household inventory and storing that list in a credit union safe deposit box.
article 07/01/2007
sv-275
Certificate Laddering: A Strong Alternative for Your Savings
Show members the advantages of spreading certificates over various maturities.
article 06/01/2007
sv-152
Savings Special Cuts
Members can build savings in many different ways at your credit union.
spot art 04/02/2007
sv-166
Check Signature
Alert members to prudent check-writing habits. A forger easily can change the amount or payee on a written share draft.
spot art 04/02/2007
sv-1655
Teach Your Kids to Reach Their Dreams
Use this ad to encourage parents to teach their children to save money, and why it's so important.
ad 03/01/2007
sv-1656
We'll Pay You to Save Money
Use this ad in youth newsletters to encourage kids to save money at the credit union.
ad 03/01/2007
sv-422
Good Savings Rates
Use this ad to tell members that your credit union pays higher interest rates than the competition.
ad 01/01/2007
sv-1491
Credit Unions Offer Higher Rates on Share Certificates
Use this graph to show members how much more money they can earn with a credit union share certificate vs. a bank certificate of deposit (CD).
chart 09/29/2006
sv-108
SLY--We're Here to Help You Save
This illustration emphasizes the benefits of saving at the credit union.
spot art 09/01/2006
sv-1505
Saving Practices Made Easy
Use this article to tell your members about convenient tricks to save money.
article 09/01/2006
sv-1268
Spot art: Safety, liquidity, yield
Use this image to educate members about the three primary savings objectives. Use with corresponding article ID #3066.
spot art 05/25/2006
sv-1532
It Pays to Start Investing Early
Use this figure to show young members that it pays to start investing early and what compounding will do for their savings.
chart 04/25/2006
sv-1439
Pension Participants: Expand Retirement Savings for Future Security
Use this article to let members know how important it is to understand what could go wrong with their pension plan and how termination of their company’s pension plan might affect them.
article 01/25/2006
sv-1327
Use Net Worth Statement to Track Financial Progress
Use this article to tell members what a net worth statement is and how to make one.
article 09/01/2005
sv-1250
SLY--Credit Union Members Save
Use this article to inform members about the primary saving objectives: safety, liquidity, and yield. Use with corresponding spot art ID #3069.
article 05/25/2005
sv-1234
Savings Create a Financial Safety Net
Tell members the importance of having emergency savings and let them know about credit union products that can help them save.
article 04/29/2005
sv-1140
Photo of Hispanic family with money in the background
Use this photo of a Hispanic family with articles that encourage saving.
photo 12/16/2004
sv-1137
Resolve to Budget, Save, and Invest in the New Year
Encourage members to take stock of their personal finances for the New Year, and to come to you for help with their budgeting, saving, and investing needs.
article 11/01/2004
sv-453
Emergency Savings Account Can Save You
Tell members that everyone should have an emergency savings account for those unexpected expenses.
ad 06/01/2001
Senior Adult
IDTitleFormatPub Date
sa-2115
Family Matters: When Mom and Dad Move In
Use this article to help members who are—or are considering—living in adult children/aging parent households to establish ground rules and avoid potential conflicts.
article 07/01/2009
sa-2042
Ask for the Senior Discount
Whether you’re a baby boomer or beyond, it pays to search for discounts. Know where to look—and get in the habit of asking—for what’s rightfully yours.
article 01/06/2009
sa-1114
Help Senior Parents Manage Their Money
This article gives tips on how adult children can help their parents manage money.
article 08/26/2008
sa-1985
Taking Care of Aging Parents, Relatives
Use this article to help your members prepare themselves to care for aging parents and relatives.
article 08/01/2008
sa-887
Frauds Against the Elderly: Protecting Yourself From Identity Theft
Protect your elderly members from being victims of identity theft. This article tells what to watch out for.
article 07/30/2008
sa-629
Seniors Are Drowning in Debt
Give your senior members advice about how to stay out of debt and let them know your credit union is there to guide them along the way.
article 05/07/2008
sa-1897
Information, Planning Key to Managing Costs of Assisted Care
Use this article to help your members understand the costs of assisted living facilities for the elderly.
article 01/02/2008
sa-1790
Direct Mail Letter: Senior Services
Send this direct mail letter to your older members to promote credit union products and services targeted to their financial needs, and to emphasize the benefits of membership.
direct mail 09/27/2007
sa-1521
Direct Mail Letter: Promote Share Certificates to Mature Market
Use this direct mail letter to promote your share certificate products to preretirees and retirees.
direct mail 09/01/2006
sa-1456
Grandparents Pitch in With Financial Help
Grandparents derive great pleasure from doing whatever they can to enrich their grandkids' lives. This article talks about the various ways grandparents provide financial support for their grandchildren.
article 04/01/2006
sa-1428
Phony Drug Plans Bilk Unsuspecting Seniors
Use this article to warn members about phony Medicare prescription drug plans marketed by scam artists.
article 01/24/2006
sa-1392
Woulda, Coulda, Shoulda: What Retirees Wish They Had Done Differently
Use this article to let members know what retirees wish they had done differently, and how workers today can learn from their mistakes.
article 12/01/2005
sa-1115
Financial Discussions Between Adult Children and Aging Parents
This article gives tips to grown children and their aging parents on having important discussions about the parents’ financial affairs--before a physical or mental condition creates a crisis situation.
article 10/01/2004
Small Business
IDTitleFormatPub Date
sb-2066
Loan Scams Lure ‘Fees’ From Unwary Business Owners
Warn small business owners about loan scams offering quick access to hard-to-find funding.
article 12/03/2008
sb-816
Working Together to Put You in Business
Credit unions have established a relationship with the Small Business Administration (SBA) to expedite loans to credit-worthy small businesses. This article explains that relationship and SBA loans.
article 07/21/2008
sb-1073
Financial Statements Crucial to Small-Business Success
This article explains components of the three fundamental financial reports crucial to small business owner success.
article 07/14/2008
sb-622
Credit Unions Help Make Dreams Come True
Encourage members to come to your credit union for business loans.
ad 06/12/2008
sb-817
Helping to Put You in Business
Let members know your credit union can help put them in business with a small business loan.
ad 06/12/2008
sb-823
We Want to Put You in Business
Inform members about the new relationship that CUNA has formed with the Small Business Administration (SBA) to help your credit union provide SBA loans.
ad 06/12/2008
sb-832
Your Credit Union Can Put You in Business
Encourage members to turn to your credit union for small business loans.
article 06/12/2008
sb-838
Helping to Put You in Business
Credit unions have established a relationship with the Small Business Administration (SBA) to expedite loans to credit-worthy small businesses. This tip encourages members to come to your credit union for an SBA loan.
article 06/12/2008
sb-877
Could You Be an Entrepreneur?
Help members decide what it personally takes to be their own boss. Use this article to help answer some questions about starting your own business.
article 06/12/2008
sb-964
Home-Based Business Tips
Use this article to inform members who are small business owners to keep good records and take advantage of all allowable tax deductions.
article 06/12/2008
sb-1929
Sending Out an S.O.S.—Finding Help for the Small-Business Owner
Use this article to let small-business owners know how much they can benefit from letting someone else take over routine tasks.
article 03/28/2008
sb-1752
Nontraditional Farm Businesses Help the Family Farm
Use this article to help farm-owning members discover creative new ways to sustain the family farm.
article 05/30/2007
sb-1707
Launching Your Own Business: Are You the Type?
Use this article to help members evaluate whether or not they should start their own business.
article 03/01/2007
sb-1199
Collage of Small Businesses
Use--in whole or in part--this collage depicting four separate small businesses in newsletter articles targeted at small business owners/members.
spot art 02/23/2007
sb-967

article 12/31/2005
sb-881
Small-Business Owners Prefer Debit
Use this ad to steer small-business owners to your debit card program.
ad 09/30/2005
sb-1227
Small Businesses Benefit from Multiple Account Relationship
Inform small-business members about the benefits of having all their accounts--business and personal--at your credit union.
article 02/23/2005
sb-1158
Business Succession: Planning for the Next Generation
Encourage members who are small business owners to develop a succession plan that helps them achieve their goals--whether it’s continuing a family operation into the next generation, or being able to take a day off.
article 11/01/2004
sb-1092
Four Basic Rules for Small-Business Bookkeeping
Inform small business owners of the four basic rules of small-business bookkeeping.
article 08/30/2004
sb-997
Launch Your Business Now
Let members know why now is a great time to start a business and that your credit union is there to help. Use with corresponding ad ID #sb-998.
article 07/01/2004
sb-998
Launch Your Business Now
Let members know why now is a great time to start their own business and that your credit union is there to help them do so. Use with corresponding article ID #sb-997.
ad 07/01/2004
sb-971
Home Equity: Be a Better Borrower
Encourage members to take advantage of low-cost home equity lines of credit to pay off high-cost debt.
article 03/01/2004
sb-885
How to Get a Business Loan
Help members seeking business loans create a business plan by answering these questions.
article 01/01/2004
sb-768
Asian owners of a Chinese restaurant set the table.
Asian owners of a Chinese restaurant set the tables.
photo 07/03/2003
sb-769
Female worker at quilt shop helps a female shopper
A Caucasian female worker at a quilt shop helps an older Caucasian female customer.
photo 07/03/2003
sb-770
Female worker at quilt shop helps a female shopper
A Caucasian female worker at a quilt shop helps an older Caucasian female customer check out.
photo 07/03/2003
sb-771
Asian owners pose inside their Chinese restaurant
The Asian owners of a Chinese restaurant pose inside their business.
photo 07/03/2003
sb-774
Photo: Caucasian female teller helps older Caucasian male credit union member
A Caucasian female teller helps an older Caucasian male member at the credit union drive-up window.
photo 07/03/2003
sb-778
Photo: Caucasian female teller with older Caucasian male member
A Caucasian female teller helps an older Caucasian male member at the credit union drive-up window.
photo 07/03/2003
sb-787
Photo of female quilt shop worker helping a female customer
Caucasian female quilt shop worker helps Caucasian female customer choose fabric.
photo 07/03/2003
Tax related
IDTitleFormatPub Date
tr-1006
Sales-Tax Holiday Provides Relief to Back-To-School Shoppers
This article describes the back-to-school sales-tax holiday that exists in some states, providing relief to shoppers in the form of a temporary sales-tax exemption on certain items.
article 04/30/2009
tr-1018
Sales-Tax Holiday Benefits Back-To-School Shoppers
This tip informs your members about the sales-tax holiday that provides tax relief to back-to-school shoppers in some states.
tip 04/30/2009
tr-1023
Win the Rebate Runaround
Use these tips to help members improve their odds of receiving a manufacturer’s rebate.
article 04/30/2009
tr-2113
2008 Tax Breaks for Consumers
Tell members filing their 2008 taxes about these new tax provisions.
article 03/03/2009
tr-2114
Where There's a Will, There's a Way
Remind members about the importance of having an updated will, and where to go for help.
article 02/02/2009
tr-1123
Give your tax refund a boost …
Encourage members to combine their tax refunds with home equity lines of credit for big purchases such as cars or home remodeling.
ad 01/30/2009
tr-1133
Tax Records: What to Keep, What to Toss
Use these tips to help members get organized for tax season; they’ll learn what records to toss, and what to keep for how long.
article 01/30/2009
tr-707
“Innocent Spouses” Can File for Tax Relief
The Innocent Spouse Doctrine typically comes into play when one spouse deceives the other about income, tax payments, or both. This article gives examples of when the IRS has granted Innocent Spouse relief and gives criteria for qualifying for relief.
article 07/21/2008
tr-502
Don’t Lose Tax Refund to Sharks
Inform members about opportunistic lenders who take refund checks and charge exorbitant fees on loans your credit union can offer at lower rates.
article 07/03/2008
tr-306
Make Child Care Less Taxing
If child-care costs are putting the squeeze on your paycheck, consider one of two tax-saving options.
article 06/12/2008
tr-309
Take a Tax Break
Inform members about tax breaks they may be eligible for, including $500 child credit, Hope Scholarship Credit, and Lifetime Learning Credit.
article 06/12/2008
tr-688
Should You File Electronically?
It’s growing in popularity, but is electronic tax filing for you? Find out here.
article 06/01/2008
tr-939
Five Biggest Summer Spending Blunders
Use this article to help members avoid these summer spending mistakes.
article 05/30/2008
tr-471
Time Flies When You're Having Fun...
With tax time just around the corner, remind members about your credit union's options for individual retirement accounts.
ad 05/07/2008
tr-1404
Understanding the Alternative Minimum Tax
Inform members about the alternative minimum tax.
article 05/01/2008
tr-307
Tax Write-Offs for College
Tell members about the tax credits, deductions, and lower capital gains rates available as a result of changes for the 2007 tax year.
article 03/24/2008
tr-576
What Should You Do With Your Tax Refund?
Inform members about the different options to invest their tax refund.
ad 02/01/2008
tr-1881
Refund anticipation loan -- cartoon
Use this cartoon to show members the humor behind refund anticipation loans.
spot art 01/31/2008
tr-1649
Make the Tax Season Less “Taxing”
Use this article to tell members how they can benefit from some key tax credits and programs.
article 01/24/2008
tr-1821
Spot art -- Deposit Your Tax Refund Here!
Use this spot art to encourage members to save their tax refund at your credit union.
spot art 01/02/2008
tr-308
Managing Your Parents' Money
Taking over your parents' finances may allow them to enjoy an independent lifestyle longer.
article 01/01/2008
tr-1823
Volunteer Income Tax Assistance
Use this spot art to highlight that your credit union offers volunteer income tax assistance (VITA).
spot art 11/29/2007
tr-1824
Earned Income Tax Credit
Use this spot art to encourage members to take advantage of the earned income tax credit offered by the government this tax season. Use with corresponding article ID #tr-1850 and resource box ID #tr-1826.
spot art 11/29/2007
tr-1850
Earned Income Tax Credit May Help You
Inform members about the Earned Income Tax Credit and if they qualify for it. Use with corresponding resource box ID #tr-1826 and spot art ID #tr-1824.
article 11/29/2007
tr-1675
Split Your Refund ... Boost Your Savings
Tell members how to boost their savings with this article about split income tax refunds. Corresponds with ad ID #tr-1653 and tip ID #tr-1684.
article 11/02/2007
tr-1714
Don't Let Your Pig Waste Away
Use this ad to encourage members to boost savings with their tax refunds.
ad 04/30/2007
tr-1653
Split Your Refund ... Boost Your Savings
Use this ad to encourage members to direct at least part of their tax refund to a credit union savings account. Corresponds with article ID #tr-1675 and tip ID #tr-1684.
ad 01/26/2007
tr-1657
Getting a Tax Refund? Steer Clear of RALs
Use this ad to persuade members to steer clear of refund anticipation loans during tax season and instead visit your credit union for a small consumer loan.
ad 01/26/2007
tr-1670
Valuation Guides for Donations
Help members find the value of goods they're donating to charity.
resource box 01/26/2007
tr-1684
Boost IRA Savings With Tax Refund
Use this tip to tell members they can have all or part of their refund direct deposited into an IRA. Corresponds with ad ID #tr-1653 and article ID #tr-1675.
tip 01/26/2007
tr-1567
Estate Planning Myths
Use these prevailing myths about estate planning to inform members about what they need to consider when preparing an estate plan.
article 05/01/2006
tr-1403
Tax-Favored Ways to Save for College
Use this article to inform members about several tax-advantaged ways to help them save on college costs.
article 12/21/2005
tr-1280
Personal Property Appraisers Distinguish Between Trash and Treasure
Let members know when they might need a personal property appraiser and how to hire one.
article 04/29/2005
tr-1279
Boost Savings, Pare Debt With Tax Refund
If you’re lucky enough to be getting a tax refund this year, use it wisely to help your finances.
article 03/29/2005
tr-1180
What Can You Do With a Tax Refund?
Give members ideas for using their tax refunds.
ad 01/28/2005
tr-1182
What Can You Do With a Tax Refund?
Give members ideas for using their tax refunds.
article 01/28/2005
tr-1213
Tax Time: Early Birds Catch a Breather
Help your members get a jumpstart on this year’s tax preparation with these helpful hints.
article 01/28/2005
tr-958
Find the Right Tax Preparer
Use this article to inform members about what questions to ask when shopping around for tax preparers.
article 01/22/2004
Technology
IDTitleFormatPub Date
tn-2175
Keep Passwords Strong, Secret, and Safe
Use this article to help your members avoid the risk of compromising personal data by creating and maintaining strong passwords.
article 05/04/2009
tn-2133
Sounds: What You Need to Know About Digital Radio
Inform members of the advantages and drawbacks of digital radio.
article 04/01/2009
tn-2032
Television: The Digital Transition
Use this article to explain details about the analog-to-digital televison conversion, happening Feb. 17, 2009.
article 12/03/2008
tn-2008
Online Bill Payment Helps You Control Your Bills
Inform member of the benefits of online bill payment.
article 09/26/2008
tn-2007
Electronic Is Eco-Friendly
Encourage your members to “go green” by using electronic options with their credit union accounts.
article 09/26/2008
tn-2006
Don't Get Mugged by Your Mobile
Help your members protect their identity with this article about cell phone scams.
article 09/26/2008
tn-671
Smile, You’re On … Line!
This article explains how online photo services provide a quick, economical, and convenient way to share your photos with everyone who has access to the Internet.
article 07/21/2008
tn-722
Digital Video Puts You In Charge
For closet Clint Eastwoods, making real movies just became affordable. This article tells you what to look for if you want to make a digital video.
article 07/21/2008
tn-820
Pay-as-You-Go Wireless
Prepaid wireless phones can save you hundreds of dollars a year. But, before you switch from your monthly plan, consider a few things. This article explains the pros and cons of prepaid wireless phones.
article 07/21/2008
tn-1987
Step Carefully: Covering Digital Footprint Is Key to Web Privacy
Tell your members how to eliminate their digital footprints on the Web.
article 06/30/2008
tn-759
It Was Such a Bargain: Help for Compulsive Shoppers
Shopping is one of America’s favorite pastimes. If your members are having a hard time saying no to spending, this article can point them in the right direction.
article 06/12/2008
tn-1787
Clear Cell Phone Memory Before Repair
Encourage members to get rid of sensitive information that they keep on their cell phones before sending them in for repair.
tip 08/30/2007
tn-1796
Radio Frequency Identification Helps to Identify the “Real Thing”
Use this article to help members get a clearer understanding of RFID technology, especially if your credit union offers contactless payment cards.
article 07/26/2007
tn-1652
One Small Step for You--One Giant Leap for Online Safety
Reassure members that new online authentication methods keep their accounts even safer. Corresponds with spot art #tn-1661 and spot art #tn-1662.
ad 03/27/2007
tn-1661
Multifactor authentication password choice
Use this spot art to reassure members that new online authentication methods keep their accounts even safer. Corresponds with ad #tn-1652 and spot art #tn-1662.
spot art 03/27/2007
tn-1662
Online banking--safety aspect
Use this spot art to help members bank online safely. Corresponds with ad #1652 and spot art #tn-1661.
spot art 03/27/2007
tn-1699
Online Financial Sites Ask Questions to Protect Privacy
Use this article to explain to members why it might take a little longer to log in to your credit union’s online banking Web site due to multifactor authentication.
article 12/22/2006
tn-1448
Biometrics Uses Biology to Prove Identity
This article explains biometric technology and its early adoptions within credit unions. Find out how close we are to this technology, how it works, and the implications.
article 03/01/2006
tn-1400
Photo: Boy beside computer
Use this photo—of a boy beside a computer—with articles about youth and technology. Use with corresponding article ID #7130.
photo 12/01/2005
tn-1346
Desktop or Laptop--What’s Right for You?
What should you get--a desktop or a laptop? Use this article to let your members know what they should consider when deciding between the two.
article 09/01/2005
tn-1266
WiFi Hot Spots Are Hot Hot Hot
Hot spots are popping up everywhere. Tell members how to protect their PCs when accessing these open Internet networks. Use with corresponding spot art ID #fr-1267.
article 05/25/2005
tn-1186
Internet Users Have False Sense of Security
Warn members not to suffer from complacency when it comes to online safety and security.
article 03/29/2005
tn-1273
Going Digital for Your Viewing Pleasure
HDTV has made its debut. Before you make the switch, here’s what to consider.
article 03/29/2005
tn-1162
Legislators Back Credit Unions Because…
Use this article to inform members about some of the reasons why legislators support the tax-exempt status of credit unions.
article 01/28/2005
tn-1160
Type by Talking--The Scoop on Voice Recognition Software
Use this article to explain how voice recognition software can speed routine tasks on the computer and improve productivity.
article 11/01/2004
tn-1111
Beware Spyware
This article contains tips on how to protect personal computers from stealthy, deceptive software called spyware.
article 10/01/2004
tn-758
Broadband: Worth Its Weight for Curing World Wide Wait?
The key advantage of broadband Internet service is speed combined with an “always-on” connection. The disadvantages are cost, complexity of installation, and security holes that may open your always-connected computer to hackers. This article can help you
article 07/01/2003
Transactions
IDTitleFormatPub Date
ta-1782
Credit Unions Shine in Online Consumer Study
The 2009 ForeSee Results/Forbes.com Online Financial Services Study demonstrates once again that online customers are happy, high-service-use customers. Share some of the results to encourage offline members to make the switch.
article 04/20/2009
ta-2077
I Want You to Be Glad ...
Remind members to use direct deposit for their income tax refunds, right into the insured safety of their credit union accounts.
ad 02/02/2009
ta-2083
Payday Loans Cost Big Time
Use this image to discourage members from taking out high-interest payday loans.
spot art 02/02/2009
ta-2084
Tax Refund Loans Rip You Off
Discourage members from seeking high-interest loans while waiting for their tax refunds.
spot art 02/02/2009
ta-2085
Check Cashing Drains You Dry
Warn members of the steep fees charged by check cashing stores with this image.
spot art 02/02/2009
ta-2011
Membership Has Its Rewards
Use this ad to promote your credit union's rewards program. Corresponds with article #ta-2028, which you can tailor to the specifics of your program.
ad 12/03/2008
ta-2023
The Benefits of Automatic Bill Pay
Use this resource box to promote your automatic bill-pay service.
resource box 12/03/2008
ta-2028
Credit Union Membership Has Its Rewards
Customize this article with details about your member rewards program. Article corresponds with ad #ta-2011.
article 12/03/2008
ta-762
Get Back Three Days a Year—Use Direct Deposit
This ad encourages the use of direct deposit to save time and money by eliminating the cost and uncertainty associated with paper check-clearing processes.
article 10/01/2008
ta-1979
Ventajas de la Banca por Internet (Benefits of online banking)
Use this resource box to tout the benefits of online banking to your Hispanic members. See also corresponding English version #ta-1926.
resource box 09/02/2008
ta-1968
Credit Unions Call Members to Verify Transactions
Tell members they might receive an automated call from the credit union verifying account activity in an attempt to stop fraudulent transactions.
article 08/01/2008
ta-229
Don't Let Fees Take Their Toll
Explain the credit union fee advantage and show how much a member can save by using a credit union share draft account.
article 07/28/2008
ta-863
Courtesy Pay Covers You
Use this article to explain the benefits of using the Courtesy Pay program at your credit union.
article 07/21/2008
ta-268
IRnet: Helping Members Save When Sending Money Internationally
If your credit union offers IRnet, fees up to 28% are a thing of the past when members send funds to another country for as little as $10.
article 07/03/2008
ta-205
Direct Deposit Trims Your To-Do List
Highlight the convenience of this service and stress its mandatory use for future federal payments and benefits.
article 06/24/2008
ta-228
How to Reconcile a Share Draft Account
Tips on how to track share draft transactions, find discrepancies, and reconcile an account.
article 06/24/2008
ta-267
Electronic Bill Payment and Presentment
Show members how your credit union's online bill presentment and payment feature works, and assure them their transactions are secure.
article 06/24/2008
ta-284
Electronic Checks: A New Way to Pay
Explain the process and benefits of electronic check transactions.
article 06/24/2008
ta-561
Homemade Checks Cause Processing Problems
Tell members about the potential problems homemade checks can cause and encourage them to order their share drafts/checks from your credit union.
article 06/24/2008
ta-634
Credit Union Checks Are Your Best Bet
Remind members that all parties listed on their checks must sign a signature card, and encourage members to order checks through the credit union.
article 06/24/2008
ta-654
The Case of the Returned Check
Inform members about electronic check conversion--what it is, why it’s used, and their rights as users.
article 06/24/2008
ta-15
Convenience of Direct Deposit
Remind members of the convenience of direct deposit with this art.
spot art 06/19/2008
ta-484
Direct Deposit Makes Saving Easy
Inform members that saving money is easy to do with direct deposit.
tip 06/19/2008
ta-1926
Benefits of Online Banking
Use this resource box to tout the benefits of banking online. Use with corresponding Spanish version #ta-1979.
resource box 05/01/2008
ta-1874
Stop the Paper Cycle—Pay It Green
The green impulse drives a lot of consumer choices; help members see the green benefits of electronic credit union services.
ad 02/27/2008
ta-727
Choose “Credit” at Checkout
Use this tip to let members know they can use their debit card as a credit card when shopping, and the money will still come out of their share draft/checking account.
tip 01/01/2008
ta-1812
With Check Imaging, Online Banking is a Breeze
Let your members know that you offer electronic check imaging with your online banking services.
ad 11/29/2007
ta-1836
Show Mother Earth You Love ‘er
Give members one more good reason to use your online bill payment service--it saves natural resources.
article 11/29/2007
ta-1082
Pay Bills Online Spot Art
Use this spot art of a cursor clicking on “Pay Bills Online” to encourage members to take advantage of your electronic services. Use with corresponding article ID #ta-1099.
spot art 10/01/2007
ta-1316
Spot art: Check register
Use this spot art of a check register with articles about opening up a checking account at your credit union, and with articles on how to balance a checkbook.
spot art 09/30/2007
ta-1767
More Bills Paid Online Than With Checks
Use this chart to show members that online bill pay is becoming more popular and encourage them to sign up for the service. See corresponding article #ta-1809.
chart 09/27/2007
ta-1809
Pay Your Bills Online--It's Easier and Safer
Use this article to inform your members about the ease and safety of online bill payments. See corresponding chart #ta-1767.
article 09/27/2007
ta-1810
Contactless Payment Cards: A Quicker Way to Pay
Use this article to inform members about the possibilities of the new contactless payment cards being offered. Use with corresponding spot art #ta-1849.
article 09/27/2007
ta-1811
ACH Offers Faster Bill Payment
Use this article to inform members about the benefits of the Automated Clearing House (ACH) Network.
article 09/27/2007
ta-1849
Contactless payment symbol
Let members know to look for this symbol to make contactless credit, debit, or stored-value card payments. Use with corresponding article #ta-1810.
spot art 09/27/2007
ta-1766
Online Bill Payments Surpass Checks for First Time
Use this chart to show how popular online bill paying is becoming. Encourage members to use your credit union's online bill payment services.
chart 08/30/2007
ta-1755
Deposito Directo: Seguro, Conveniente, Confiable (Direct Deposit: Safe, Convenient, Dependable)
Use this article to encourage Hispanic members to directly deposit their checks into their credit union accounts. Use with corresponding spot art (logo) ID # ta-1746, if you wish to highlight the Treasury's Go Direct program.
article 05/04/2007
ta-1715
Direct Deposit: Safe, Convenient, Dependable
Use this ad to encourage members to direct deposit their paychecks, Social Security, and other federal benefits into their credit union accounts.
ad 04/30/2007
ta-1722
Go Direct Logo
Use this logo with article ID #ta-1733 and ad ID #ta-1715, or with other items that mention the Treasury's Go Direct campaign.
spot art 04/30/2007
ta-1733
Direct Deposit: Safe, Convenient, Dependable
Use this article to encourage members to directly deposit their checks into their credit union accounts. Use with corresponding ad ID #ta-1715 and spot art ID #ta-1722 if you wish to highlight the Treasury's Go Direct program.
article 04/30/2007
ta-1746
Directo A Su Cuenta (Direct To Your Account)
Use this logo to let Hispanic members know about the Treasury’s Go Direct campaign. Use with Spanish version article ID #1755, or with other items that mention the Treasury's Go Direct campaign. An English version of the logo ID# ta-1722, article ID# ta-1
spot art 04/30/2007
ta-165
Writing Checks Safely
Alert members to prudent check-writing habits. A forger easily can change the amount on a written share draft.
spot art 04/02/2007
ta-1687
Registre Cada uno de sus Gastos (Keep Track of Every Expenditure)
Use this tip to help Hispanic members keep track of small expenditures. Corresponds with English version #ta-1629.
tip 03/27/2007
ta-1631
Watch for Disclosure Signs at Checkout
Use this article to tell members to look for disclosure signs for electronic check conversions.
article 11/30/2006
ta-1602
It's a Piece of Cake
Remind members that ACH can streamline their money management by making timely, secure payments.
ad 11/30/2006
ta-1603
It's a Piece of Cake
Emphasize convenience--and safety--when you tell members about your online bill payment services.
ad 11/30/2006
ta-1629
Keep Track of Every Expenditure
Use this tip to help members keep track of small expenditures.
tip 10/30/2006
ta-1635
Avoid Courtesy Pay “Abuse”
Use this article to inform members about the danger of using courtesy pay as a substitute for monitoring account balances.
article 10/04/2006
ta-1540
Automated Payments
Use this article to inform your members how to cancel automated payments.
article 08/02/2006
ta-1511
Check Conversions and Payroll Cards: Watch for New Disclosures
Use this article to educate members about amendments to Regulation E that affect check conversions and payroll cards.
article 07/31/2006
ta-1060
Check 21
Use this spot art of the Check 21 logo with corresponding article ID #lw-1010.
spot art 05/26/2006
ta-69
Share Draft Account Fees
Tell your members your credit union offers free or low-fee share draft accounts.
spot art 04/02/2006
ta-340
No-Fee, Low-Fee Share Draft/Checking Accounts
Promote your no-fee or low-fee share draft/checking accounts with this design.
spot art 04/02/2006
ta-1364
The Correct Way to Write a Check
Use this handy illustration to show your members the correct way to write a check. The Spanish version is ID #ta-1365.
ad 12/21/2005
ta-1365
Forma correcta de girar un cheque (The Correct Way to Write a Check)
Use this handy illustration to show your Hispanic members the correct way to write a check. The English version is ID #ta-1364.
ad 12/21/2005
ta-1353
Online Banking Makes Money Management Simple and Safe
Use this article to let members know the benefits of online banking.
article 09/30/2005
ta-786
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.
article 11/01/2004
ta-1122
Why is this banker smiling?
Make sure members aren’t caught off guard by check-processing changes that make “float” a thing of the past.
ad 11/01/2004
ta-1154