5 Financial Resolutions

The start of a new year is a perfect time to evaluate your financial health. What are your goals? Are you on track to retire when you want to? Are you saving enough? Are you taking advantage of the best offers? These five financial resolutions are a great place to start:

Open a checking account that offers rewards.

TBA Credit Union’s Cash Reward Account features cash back* on balances up to $10,000 if minimal monthly requirements are met, this checking account is a fantastic option! As long as you are able to make a minimum of 25 debit card transactions, four online or mobile banking logins, deposits totaling $1,000 or more through direct deposit or Remote Deposit Capture (RDC), and enroll in e-statement, you can look forward to receiving monthly dividends. With TBACU’s convenient mobile app and online banking, you can check your status each month to make sure you’re on track to earn. You won’t be charged any penalty fees if the monthly requirements aren’t met, you simply will not earn the cash or interest for the month.

Turn your spare change into savings.

TBA Credit Union’s Debit Card Round Up Program rounds up each debit card transaction to the nearest dollar, and transfers that change into your savings account. Think of it as a virtual change jar. For example, if you make transactions for $4.50, $10.90, and $6.30 using your TBACU Debit Card, at the end of the day you would see one Debit Card Round Up credit for $1.30. Think of it as a virtual change jar!

 

 

Turn Choose your credit carefully. 

Looking for a credit card that offers incentives? TBA Credit Union’s VISA Credit Card with Scorecard Reward allows members to earn one point for every dollar they spend using their TBACU VISA Credit Card. Bonus points are redeemed by registering on the ScoreCard Rewards website. Use your bonus points towards airline travel, brand name gifts, and more. You’ll also earn an additional 250 bonus points after your first login! As always, paying your balance off every month will avoid paying interest.

 

 

 

 

 

Revisit your retirement plans.

With so many differences, details and decisions to make when considering retirement, where do you start? Andrew Maniaci, CFS Financial Advisor at TBA Investment Services**, can help you examine your options and decide what type of account may be right for you. Schedule a no-obligation appointment to meet with Andrew and gain valuable information on financial planning topics that include:

  • Retirement Planning
  • 457, 401k and 403b Rollovers
  • Mutual Funds, Annuities, and Life Insurance
  • Small Business Retirement Plans

 

 

 

Don’t wait to take control of your financial future, take action today!  Fill out this form, stop by a branch, or call or text the TBACU Service Center Team at 231.946.7090.

*Annual Percentage Yield. Rate subject to change. Interest not paid on balances over $10,000. No minimum balance or opening deposit required. Some requirements apply, if requirements are not met there are no penalty fees.**Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. TBA Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.