MCCU Makes Saving Money FUN!

The first step to learning about lifetime money management is opening a credit union savings account.  Our youth savings programs will help you become a self-assured saver and responsible borrower.  We make saving money fun, while showing the power of saving that will help you reach your goals.  Don't wait.  Come see us today to start your journey on the road to confident money management.

Youth Saving Account

You can open an MCCU Youth Saving Account with as little as $5.  A $50 minimum balance is required to have additional products or services (not including MCCU Online).  Youth Saving Accounts are available for those 17 years of age and under.  With this type of account you have the opportunity to qualify for drawings both quarterly and annually.  You will receive a quarterly statement and a lifetime membership to Marshall Community Credit Union.  To open a Youth Saving Account, contact MCCU today.

Never have the things you want? Always begging your parents for cash? Don't get mad, get made! Financially Made!

Being Financially Made means you can save for something you want. An iPod, cell phone, spring break trip to Florida - whatever. We'll help you reach your goal with free matching deposits of up to $150.00. And we'll boost your financial smarts!

Congratulations to this year's 2010 Financially Made Participants!

Ashley B. - Harper Creek
Brianne B. - Harper Creek
Haley B. - Harper Creek
Tyler H. - Marshall
Morgan K. - Marshall
Molli L. - Marshall
Victoria O. - Marshall
Zachary O. - Marshall
Mihai R. - Marshall

Financially Made Guidelines and Offical Rules

Financially Made Commitment Form

Financially Made Contest Profile Sheet

 Program Timeframe

• Marshall Community Credit Union will accept applications and essays until Monday, December 14, 2009.
• Winners will be notified no later than Monday, December 28, 2009.
• Financial literacy sessions will take place in January 16, 2010.
• Budgeting sessions will take place in February 20, 2010.
• The savings phase of the Financially Made program will begin on Friday, January 1, 2010 and end on Wednesday, March 31, 2010.
• Celebration ceremony will be held at MCCU (Marshall location) on Friday, April 16, 2010.
• Matching funds will be deposited by Friday, April 16, 2010.

For more information regarding the Financially Made program at MCCU, please contact Andrea Tucker at 269.781.9885 x203 or via email at tuckera@marcomcu.org.

Welcome 18 - 25 year olds! Some of you are getting ready to enter college, while other are preparing to find your first job. MCCU would like to help you make these important decisions and continue to provide the financial services  and education you have come to rely on.

Credit Unions Rock
Credit Unions Rock is an informative site full of helpful information, no matter what age you are.  It has links for learning to save, getting a job, getting into college, getting married and everything else in between.

Links from our website are provided for your convenience only. These linked sites are separate from our credit union's website. We are not responsible for the content or availability of any linked third party websites or the privacy practices of such third parties. You should always investigate the information practices of all websites that you access and carefully examine the privacy policies of any websites linking to or from our website. Information collected from the linked websites will be subject to the information practices of those websites.

Attention all Youth!

 Never seem to have enough money for the things you want?  Marshall Community Credit Union has just the thing for you.  If you are age 13 through 17 and are eligible for membership (or are already a member) you could receive a youth loan.

This loan service is intended to help young people establish a credit history with the credit union while helping them to purchase clothing, bicycles, holiday and birthday gifts, musical instruments, sports equipment, or for any worthwhile purpose.

The youth must have regular income from verifiable sources, and documentation is required for all sources of income.  Parent's knowledge or consent is required, but parents are not required to act as co-signers.

*** Here is a breakdown  of the Youth Lending Programs ***

Ages 13 - 17

Documents Required:

Youth Loan Application
Counselor/School Rep Form
Parental Consent Form
Income Documentation
If a co-signor - consumer loan application, proof of income

Types of Loans/Rates:

Installment Loans:
     Maximum $500
     Maximum term of 24 months
     Interest Rate
           Without a co-signer is equal to the unsecured rate for "no credit score"; C grade.
           With a co-signer, based on unsecured rate schedule with a co-signer.

Visa:
     Co-signer Required = $500 limit - interest rate is based upon the parent/guardian's credit score.    
*Must have a co-signer for a credit card, co-signer must provide documentation necessary for the loan officer to verifty the ability to repay. 

Youth Loan are not reported to the credit reporting agencies.

Announcing Smart Savers

Quarterly Winners         January 2010         Maggie B. of Marshall         Sara R. of Ceresco

A Tour is an Educational Opportunity at MCCU

Did you know that Marshall Community Credit Union offers group tours to area schools and youth groups?  Groups of 25 or less are welcome.  Each tour includes:

• A short presentation about money
• Discussion about the difference of a Credit Union and a Bank
• Visit to the Drive-Thru/Teller area
• Visit to Vault and Coin Counter

If you are interested in scheduling a tour for your organization, please contact MCCU's Marketing Department by calling 269-781-9885 or email tuckera@marcomcu.org.