It s like feeding. another. Life costs money. Make yours work as hard as you do.

Transcription

1 savings & INVESTMENTS It s like feeding another person. Life costs money. Make yours work as hard as you do.

2 Helping build your financial future. With all the things going on in your life, it s important to have a plan for the future. Saving for your goals is a big part of that. So, whether you re saving for tomorrow, transferring an IRA or just putting something aside for down the road, you can choose from a variety of savings and investment options designed to fit your specific savings goals. WANT TO LEARN MORE? For more information, visit our website at Truliant.org.

3 Save for Your Goals When it comes to saving money, there are a variety of products and services that can help you meet your goals. All our savings accounts come with these features: No monthly fees Competitive rates Systematic savings options available Regular Savings Account A regular savings account establishes your Credit Union membership with an initial deposit of $5. Club Savings Account Club accounts are a great way to save for something special, such as holidays, vacations, weddings and other big events. Rainy Day Savings Account A Rainy Day Savings account can keep you prepared for unexpected expenses. Every business day the change (everything right of the decimal) in your checking account will be transferred to your Rainy Day account for future use. Save Your Way Account Truliant s Save Your Way account works just like the Rainy Day Club except members can set up a daily preauthorization to pull from their checking account into savings. Youth Savings Programs With education programs and online games, we teach our youngest member-owners how to be responsible when managing their money. Check out our Dollar Dog Kids Club, Cha-Ching! for teens, or The Edge for more information.

4 Need help planning? Financial Advisors at Truliances* This program is a personal financial management service, exclusive for Truliant member-owners. It offers you and your family a variety of insurance and investment services to help protect the things that matter the most. These services include: Retirement planning Education funding Investment planning Insurance planning Estate planning** Business planning Tax planning** Get access to online brokerage services through our website, including: Online stock trades Real-time stock quotes Portfolio performance tracking MEMBERS Trust Company MEMBERS Trust Company can provide you and your beneficiaries with fiduciary management expertise and experience with an array of trust services. * Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Trust services available through MEMBERS Trust Company. Not NCUA/NCUSIF/ FDIC insured. May Lose Value. No Financial Institution Guarantee. Not a deposit of any financial institution. ** Representative is neither a tax advisor nor attorney. For information regarding your specific tax situation, please consult a tax professional. For legal questions, including a discussion about estate planning, please consult your attorney.

5 Plan for the Future Money Market Options Money Market accounts are designed to provide you with the flexibility of a lower minimum balance and more attractive yields. Premier is perfect for saving for shortterm goals and only requires a modest minimum $1,000 balance. 1 Performance Plus offers a higher interest rate for a minimum balance of $2,500 2 and is available as an IRA account. Select makes your money work harder with higher rates for a $5,000 minimum balance 3 and is also available in an IRA account. Investor s is an exclusive account that serves as your settlement account when you open and maintain a brokerage account with the Financial Advisors at Truliances. Individual Retirement Accounts (IRAs) An IRA is designed to help you save consistently over time for future use. They re a great way to save for retirement, pay for a college education, or home repairs. We offer Traditional, Educational and Roth IRA options to give you the flexibility you need. Certificates With a certificate, you receive competitive rates and flexible terms from 3 to 36 months with a minimum deposit of $250. Your Money is Protected All of the funds you deposit with us are federally insured up to at least $250,000 by the National Credit Union Share Insurance Fund. 1 Monthly fee of $10 if balance falls below minimum balance requirement of $ 1, Monthly fee of $20 if balance falls below minimum balance requirement of $ 2, Monthly fee of $25 if balance falls below minimum balance requirement of $ 5,000.

6 How to reach us Burlington Charlotte Greensboro/ High Point Richmond Winston-Salem/ Kernersville Other Areas Internet Truliant.org Truliant Federal Credit Union is federally insured by the National Credit Union Administration and is an Equal Housing Lender S 2/14