CONTACT US. The Financial ABCs for Raising a Family

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1 The Financial ABCs for Raising a Family CONTACT US For more information abot any of the in this brochre, call , visit or at or stop by the branch nearest yo. Federally insred by NCUA. LK-2011 Loans sbject to credit approval Prodcts for Life

2 yoth yoth stdent gradation ato loans insrance acconts Children can bring joy and new meaning to yor life. They can also bring a new level of responsibility. As a parent, yo want to make certain their ftre is financially secre. 1 As yo raise yor family, consider where yo are now and where yo ltimately want to be. Planning for yor children s ftre today can help secre their well-being dring childhood and prepare them for the financial responsibilities of adlt life. Once yo re ready to start yor preparations, Montain America can help. We have a variety of soltions for all yor family s financial needs.

3 yoth yoth acconts stdent gradation ato loans insrance 2Montain America Credit Union Montain America s yoth Talking to yor children abot finances isn t necessarily an easy thing to do (approximately onethird of parents never discss saving with their kids*), bt it s important. Addressing the isse at an early age will ensre yor children are ready for whatever financial crveballs life may throw at them. Bt how and where do yo start? An easy way to get yor children thinking abot critical moneymanagement skills is by introdcing them to or fn yoth, yoth.mac.com. This helpfl site can be yor children s portal to entertaining edcational activities. It s also a valable resorce for parents like yo. Some of its featres inclde: Financial games for kids and teens. Articles for parents. Lesson plans and qizzes for teachers. Information abot Montain America yoth prodcts. Start yor children on the right financial path today by checking ot yoth.mac.com! * A.G. Edwards s April 2007 Nest Egg Knowledge for Srvey 3

4 yoth yoth acconts stdent gradation ato loans insrance yoth acconts Once yo ve talked to yor kids 4 Montain America Credit Union abot money, it s time to set them p with the tools they ll need to achieve financial sccess. Montain America s yoth savings acconts and term deposits are a great place to start. With low minimm deposits, prizes for reaching savings benchmarks and qarterly drawings,* these exclsive acconts are designed to get kids excited abot saving. For children 12 and yonger Piggy bank with each new accont Varios prizes for designated savings benchmarks ($100, $200, $300, $400, $500) Sticker with each deposit For yong adlts ages Qarterly drawings for ipods and other cool prizes* Checking accont available with a parent or gardian co-signer** Visa debit card available with a parent or gardian co-signer** For anyone 27 and yonger Earns term deposit dividend rates, which are higher than reglar savings accont rates Minimm opening deposit of $25 Add to the term deposit throghot the year (p to $3,000) One-, two-, three-, for- or five-year terms available 5 Make sre yor children receive the financial edcation they need. Visit yor nearest branch and open a yoth savings accont today! * Sbject to change. Rles available pon reqest ** Sbject to credit approval

5 yoth yoth acconts stdent gradation ato loans insrance A 529 Plan can be yor ticket to sccessfl edcation planning. 6 Montain America Credit Union As edcation costs contine to soar, many parents find themselves faced with the nagging qestion, Will I have enogh money to pay for my children s edcation? Althogh most people today are likely to agree that an investment in higher edcation sally reaps its rewards in higher longterm earnings, yo may not know which option is best for yo and yor children. One often overlooked, bt effective, savings alternative is a state-sponsored qalified tition program, or 529 Plan. The fnds may generally be sed for any qalified higher edcation expense, Yo ll be able to: Make Sbstantial Contribtions contribtion limits are significantly higher than with other savings alternatives. Have Tax-Free Distribtions earnings grow tax-deferred, and distribtions are tax-free if sed for qalified edcation expenses. Recieve Gift Tax Benefits transfer p to five years worth of annal gift tax exclsions in one calendar year. Switch Fnds Tax Free switch fnds from one 529 plan to another free of any taxes. No matter which edcation savings plan yo choose, yo shold begin yor child s edcation now. With LPL Financial Services available at Montain America, yo can determine which financial plan is best for yo and yor children. Schedle yor FREE consltation today by calling inclding tition, room, board, fees, books, spplies and eqipment. Additionally, the earnings from these plans grow tax-deferred and are tax-free if sed for these qalified edcation expenses. Not credit nion deposits Secrities offered throgh LPL Financial, member FINRA/SIPC. Insrance* prodcts offered throgh LPL Financial or its licensed affiliates. Not insred by the NCUA or any federal government agency Not obligations of or garanteed by a bank, credit nion or LPL Financial *Insrance prodcts may also be offered throgh Montain America Insrance Services, LLC. May lose vale

6 yoth yoth acconts stdent gradation ato loans insrance 8Montain America Credit Union stdent College is probably one of the biggest steps in a yong person s life. Sddenly they have new financial responsibilities paying for tition, books, bills, room and board. It definitely can be overwhelming. Yo can make sre yor children are financially prepared with Stdent Services from Montain America. We offer: Check ot or College brochre for more information. Or call Montain America s Edcation Line of Credit pay for school expenses not covered by Federal Aid. Montain America s Edcation Repayment Loan consolidate existing private stdent loans.

7 yoth yoth acconts stdent gradation ato loans insrance gradation 10 Gradating from high school or 11 is a hge milestone. It marks Montain America Credit Union the beginning of a new and exciting phase of yor child s life. After all, they worked extremely hard to get this far and deserve to choose the gifts that are best for them. With Montain America s Gradation Registry, yor gradates get the gift of cash so they can get what they want when they want it. They ll enjoy: Cash gifts. The ability to se their gifts any way and anywhere they want. Qick access throgh their checking or savings accont. Friends and family won t have to worry abot what to get them it Make sre yor son or daghter gets the gifts they really need. Open a Gradation Registry today by going to yor nearest Montain America branch. For more information, visit or, or call s toll-free at will be exactly what they want!

8 yoth yoth acconts stdent gradation ato loans insrance ato loans 12 Yor children have probably been dreaming abot trning 16 and Lckily, yo don t have to spend big to get a great deal on a car loan. 13 Montain America Credit Union getting their driver s license f-o-re-v-e-r or at least since they were eight. Perhaps they ve even saved p for a down payment by mowing lawns or babysitting. Or maybe yo re going to help foot the bill. Either way, they ve probably bilt p some big expectations by the At Montain America, we offer: Competitive, low rates. No application fees. Loans for new or sed vehicles. Or financing at hndreds of participating dealerships. time they finally get to by their first car. Get yor teenager s first ato loan at Montain America. It s qick and easy exactly how bying a vehicle shold be. Apply today at yor nearest branch or online at

9 yoth yoth acconts stdent gradation ato loans insrance insrance 14 Montain America Credit Union As yor family grows, insrance protection becomes more and more important. Being properly insred, however, is more than jst protecting yor health and assets; it s also protecting yor financial secrity. An nexpected twist of fate cold change yor family s financial otlook and life. That s why the best strategy is to expect the nexpected. As yo re planning for yor children s ftre, it s a perfect time to evalate and pdate yor insrance coverage. Take a few mintes to sit down with a Montain America Insrance Services representative and make sre yo and yor family are completely covered. Term Life Insrance Permanent (or whole) life insrance polices can be expensive. Fortnately, there s an affordable alternative: term life insrance. contined>> 15

10 16 Montain America Credit Union With term life insrance from Montain America Insrance Services, yo ll have peace of mind knowing that yor family is covered withot breaking yor bdget. Term life insrance is: Affordable save hndreds of dollars every year. Cstomizable pick the coverage amont and term length. Versatile choose a term to ensre yor child s edcation and yor mortgage are covered. Besides Term Life, Montain America Insrance Services offers a variety of affordable insrances, inclding: Homeowners. Renters. Ato. Make Sre Yor Insrance is Up-to-Date Yor life and everything in it can change withot warning. Make certain yor insrance policies are pdated on a reglar basis. We recommend reviewing yor policies with an insrance expert at least once a year to help garantee all yor bases are covered. Whatever yor insrance needs, Montain America Insrance Services can help yo find the policy that gives yo the financial resorces to protect yor family and property at an affordable price. Contact s today at for yor no-obligation consltation. Accidental Death & Dismemberment. Insrance prodcts offered by Montain America Insrance Services, LLC, are not a deposit, not an obligation of or garanteed by any credit nion, not insred by the NCUA, and in the case of life insrance, may go down in vale. Prchasing of insrance prodcts will not affect the extension of credit in any way.

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