Build your nest egg with these excellent tools.
Do you ever feel like saving money is a mountain that’s just too steep to climb, especially with prices going up all the time (hello, inflation!)? At North Central Area Credit Union NCACU, we’ve got some practical ways to help you save for the things you want or need. See how you can grow your savings in 2024 without feeling the pinch!
Join our Christmas Club — and relax next holiday season!
First, consider our Christmas Club Account; think of it as your holiday piggy bank! Using payroll deduction, you set aside a bit of cash throughout the year and come next December, you’ll have a stash of cash! The funds will be ready for holiday shopping — with no last-minute rush, emptying your checking account, or over-spending with credit cards. Just you, rocking around the Christmas tree with your shopping list all checked off.
Name Your Savings: It’s like a VIP Club for your personal goals!
Now, let’s get personal. Ready for a sunny beach vacation? Have you had your eye on a brand-new car? Or are you dreaming of college without the need for student loans? Your savings goals are as personal as you are. You can create your own special fund with our “Name Your Savings” account. Design a savings account for any purpose, then use payroll deduction to earmark a certain amount for the account each pay period.
Or stop in and make your deposit. It’s up to you!
What’s your priority?
- Vacation Fund: Save a little each month, and soon you’ll be sending postcards from paradise.
- Emergency Fund: This is your rainy-day fund that gives you peace of mind when the unexpected occurs.
- College Fund: Saving now means less worrying about college costs later.
- Retirement Fund: Set aside funds for your golden years.
Debit Card Roundup: Change Your Savings Game
Last but not least, consider the advantages of Debit Card Roundup. Whenever you shop with your NCACU Debit Card, we’ll round up the change to the next dollar and place the difference into your designated account. It’s like finding extra money in your couch cushions, but it happens every time you shop!
Maybe you’re at the grocery store and check out at $42.50. With Debit Card Roundup, we’ll make it an even $43; that extra 50 cents will go straight into your savings. Small change? Sure. But it adds up fast, and before you know it, you’ve got a nice stash of cash to use as you please!
Tools That Make Saving A Breeze!
Set yourself up for success and make it easy on yourself. At NCACU, you have numerous tools to jumpstart your savings journey.
- Payroll Deduction: Have a portion of your pay electronically sent to NCACU. You can deposit it directly into your preferred account — or split it into several different accounts.
- Online & Mobile Banking: Make transfers and track your savings using our handy digital options. With our Mobile App, you can deposit checks remotely.
- Automatic Transfers: Request an amount to be automatically transferred from another institution to your account at NCACU.
The Benefits of Saving Smart
There are many reasons to save regularly. Here are just a few:
- You Won’t Feel It: Saving small amounts over time is like adding sprinkles to a cupcake. You hardly notice them, but they make everything better. Small deposits are also manageable, so you don’t get discouraged.
- It’s Easy: When you save via payroll deduction, you pay yourself first. The funds aren’t missed, and once set up, it happens automatically.
- You’ll Be Prepared: Whether it’s for gifts, travel plans, a rainy day, or future dreams, you’ll have the money you need.
Ready to Start?
Jump into 2024 with a savings plan that’s convenient and easy. Give us a call, and we can assist with a Christmas Club, help you name your own Savings Account, or enroll in Debit Card Roundup. Remember, it’s not about how much you save. It’s that you start — and we’re here to help every step of the way.
Call (989) 910-5135 or (616) 532-9067 to learn more.