MDDCCUA Credit Union's Consumer Guide To Financial Management

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Time to Get Your Money Back. Join a Credit Union.

What’s In It For You? Credit unions…
– Help you save, borrow and access your money just like you would at a bank—most have all the same services that banks have (but with better deals for you)!
– Let you keep more of YOUR money with lower fees and better rates!
– Improve members’ live and communities with consumer-friendly products and financial education.
– Follow safe investment practices and lend responsibly.
– Are NOT owned by stockholders or controlled by out-of-town corporate offices…they are owned by the members like you who have accounts there!
– Are governed by a volunteer board of directors, elected by its membership. Any member may pursue a spot on a board or committee.

Most Credit Unions Offer…
– Credit cards with low or no annual fees and low interest rates.
– Direct deposits, payroll deduction, ACH and wire deposits – many work right with your employer for faster posting of pay.
– Financial education and counseling services.
– Higher dividend rates on savings accounts, term certificates of deposit, IRAs, and money market accounts.
– Low-cost or free checking with low or no minimum balance requirements.
– Low interest rates on mortgages, home equity loans or lines of credit, and vehicle and personal loans.
– Access to ATMs and nationwide ATM networks for free withdrawals.
– Easy access to your money with online banking, bill payer, mobile banking, and e-statements.

There’s a Credit Union for Everyone
Join a credit union near where you live, work or worship. You may be eligible to join one or more credit unions based on your:
– Family members who already use a credit union
– Employer/workplace
– Geographic area of your home or work
– School
– Place of worship
– Membership in an organization

www.whatisinitforme.org

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