The Financial ABCs for
Raising a Family
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For more information about any
of the services in this brochure,
call 1-800-748-4302, visit our
website at www.macu.com or
stop by the branch nearest you.
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LK-2011
Loans subject to credit approval
Products for Life
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youth
website
youth
accounts
saving for
college
student services
and loans
graduation
registry
auto loans
insurance
services
Children can bring joy and new meaning to
your life. They can also bring a new level of
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responsibility. As a parent, you want to make
As you raise your family, consider where
you are now and where you ultimately want
to be. Planning for your children’s future
today can help secure their well-being
during childhood and prepare them for
the financial responsibilities of adult life.
Once you’re ready to start your preparations, Mountain America can help. We have
a variety of solutions for all your family’s
financial needs.
Kids
certain their future is financially secure.
youth
website
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youth
accounts
saving for
college
student services
and loans
graduation
registry
auto loans
insurance
services
Mountain America’s youth website
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It’s also a valuable
finances isn’t necessarily an easy
resource for parents like you.
thing to do (approximately one-
Some of its features include:
third of parents never discuss
saving with their kids*), but it’s
Financial games for kids
u and teens.
important. Addressing the issue
at an early age will ensure your
children are ready for whatever
financial “curveballs” life may
throw at them. But how and
where do you start?
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Articles for parents.
Lesson plans and quizzes
u for teachers.
Information about Mountain
u America youth products.
An easy way to get your children
thinking about critical money-
Start your children on the right
management skills is by introduc-
financial path today by checking
ing them to our fun youth website,
out youth.macu.com!
youth.macu.com. This helpful site
can be your children’s portal to
entertaining educational activities.
*A.G. Edwards’s April 2007 Nest Egg Knowledge
for Kids Survey
Kids
Mountain America Credit Union
Talking to your children about
youth
website
youth
accounts
saving for
college
student services
and loans
graduation
registry
auto loans
insurance
services
youth accounts
Once you’ve talked to your kids
about money, it’s time to set them
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up with the tools they’ll need to
achieve financial success.
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For children 12 and younger
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For young adults ages 13-17
u
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Piggy bank with each
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Quarterly drawings for iPods®
u PAGE
new account
Mountain America’s youth savare a great place to start. With
u
$200, $300, $400, $500)
reaching savings benchmarks and
sive accounts are designed to get
kids excited about saving.
and other cool prizes*
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savings benchmarks ($100,
low minimum deposits, prizes for
quarterly drawings,* these exclu-
Various prizes for designated
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Sticker with each deposit
Earns term deposit dividend
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rates, which are higher than
regular savings account rates
Checking account available with
Minimum opening deposit of $25
a parent or guardian co-signer**
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Visa® debit card available with a
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Add to the term deposit through-
parent or guardian co-signer**
out the year (up to $3,000)
One-, two-, three-, four- or
u five-year terms available
Make sure your children
receive the financial education they need. Visit your
nearest branch and open a
youth savings account today!
*Subject to change. Rules available upon request
**Subject to credit approval
Kids
Mountain America Credit Union
ings accounts and term deposits
For anyone 27 and younger
youth
website
saving for college
As education costs continue to soar,
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many parents find themselves
faced with the nagging question,
youth
accounts
saving for
college
student services
and loans
You’ll be able to:
u
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tion?” Although most people today
other college savings alternatives.
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Have Tax-Free Distributions—
earnings grow tax-deferred, and
reaps its rewards in higher long-
distributions are tax-free if used
term earnings, you may not know
for qualified education expenses.
which option is best for you and
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Recieve Gift Tax Benefits—
transfer up to five years’ worth
One often overlooked, but effec-
of annual gift tax exclusions in
tive, savings alternative is a
one calendar year.
state-sponsored qualified tuition
may generally be used for any
qualified higher education expense,
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Switch Funds Tax Free—switch
funds from one 529 plan to another free of any taxes.
Kids
Mountain America Credit Union
significantly higher than with
are likely to agree that an invest-
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Make Substantial Contribu-
for my children’s college educa-
program, or 529 Plan. The funds
No matter which education
savings plan you choose, you
should begin saving for your
child’s education now. With
LPL Financial Services available at Mountain America,
you can determine which
financial plan is best for you
and your children. Schedule
your FREE consultation today
by calling 1-800-540-7670.
including tuition, room, board,
fees, books, supplies and equipment.
Additionally, the earnings from
these plans grow tax-deferred
and are tax-free if used for these
qualified education expenses.
insurance
services
successful education planning.
tions—contribution limits are
your children.
auto loans
A 529 Plan can be your ticket to
“Will I have enough money to pay
ment in higher education usually
graduation
registry
Securities offered through LPL Financial, member FINRA/SIPC.
Insurance* products offered through LPL Financial or its licensed affiliates.
Not credit union deposits
Not insured by the NCUA or any
federal government agency
Not obligations of or guaranteed by a
bank, credit union or LPL Financial
*Insurance products may also be offered through
Mountain America Insurance Services, LLC.
May lose value
youth
website
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saving for
college
student services
and loans
graduation
registry
auto loans
insurance
services
Mountain America Credit Union
student services and loans
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College is probably one of the big-
Kids
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youth
accounts
gest steps in a young person’s life.
Suddenly they have new financial
responsibilities—paying for tuition,
books, bills, room and board. It
definitely can be overwhelming.
You can make sure your children
are financially prepared with
Student Services from Mountain
America. We offer:
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Mountain America’s Education
Line of Credit—pay for school expenses not covered by Federal Aid.
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Mountain America’s Education
Repayment Loan—consolidate
existing private student loans.
Check out our College brochure for more information.
Or call 1-800-748-4302.
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youth
website
youth
accounts
saving for
college
student services
and loans
graduation
registry
auto loans
insurance
services
graduation registry
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Graduating from high school or
Kids
Mountain America Credit Union
college is a huge milestone. It marks
the beginning of a new and exciting
phase of your 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 Mountain America’s
Graduation Registry, your
graduates get the gift of cash
so they can get what they want
when they want it. They’ll enjoy:
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Cash gifts.
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The ability to use their gifts any
way and anywhere they want.
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Quick access through their
checking or savings account.
Friends and family won’t have to
worry about what to get them…it
will be exactly what they want!
Make sure your son or
daughter gets the gifts
they really need. Open a
Graduation Registry today
by going to your nearest
Mountain America branch.
For more information, visit
our website, www.macu.com,
or call us toll-free
at 1-800-748-4302.
youth
website
youth
accounts
saving for
college
student services
and loans
graduation
registry
auto loans
insurance
services
auto loans
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Luckily, you don’t have to spend
dreaming about turning 16 and
big to get a great deal on a car loan.
getting their driver’s license f-o-r-
At Mountain America, we offer:
e-v-e-r…or at least since they were
eight. Perhaps they’ve even saved
up for a down payment by mowing lawns or babysitting. Or maybe
you’re going to help foot the bill.
Either way, they’ve probably built
up some big expectations by the
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Competitive, low rates.
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No application fees.
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Loans for new or used vehicles.
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Our financing at hundreds of
participating dealerships.
time they finally get to buy their
first car.
Get your teenager’s first
auto loan at Mountain
America. It’s quick and
easy—exactly how buying a
vehicle should be. Apply
today at your nearest
branch or online at
www.macu.com.
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Kids
Mountain America Credit Union
Your children have probably been
youth
website
youth
accounts
saving for
college
student services
and loans
graduation
registry
auto loans
insurance
services
insurance services
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An unexpected twist of fate could
evaluate and update your insurance
Term Life Insurance
protection becomes more and more
change your family’s financial
coverage. Take a few minutes to sit
Permanent (or whole) life insur-
important. Being properly insured,
outlook and life. That’s why the best
down with a Mountain America
ance polices can be expensive.
however, is more than just protect-
strategy is to expect the unexpected.
Insurance Services representative
Fortunately, there’s an affordable
ing your health and assets; it’s also
As you’re planning for your chil-
and make sure you and your family
alternative: term life insurance.
protecting your financial security.
dren’s future, it’s a perfect time to
are completely covered.
continued>>
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Kids
Mountain America Credit Union
As your family grows, insurance
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With term life insurance from
Make Sure Your Insurance is
Mountain America Insurance
Up-to-Date
Services, you’ll have peace of
Your life and everything in it can
mind knowing that your family
change without warning. Make
is covered without breaking your
certain your insurance policies are
budget. Term life insurance is:
updated on a regular basis. We rec-
Mountain America Credit Union
Affordable—save hundreds of
dollars every year.
Customizable—pick the coverage
ommend reviewing your policies
with an insurance expert at least
once a year to help guarantee all
your bases are covered.
amount and term length.
Versatile—choose a term to ensure
your child’s college education and
your mortgage are covered.
Besides Term Life, Mountain
America Insurance Services offers
a variety of affordable insurances,
including:
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Homeowners.
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Renters.
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Auto.
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Accidental Death &
Dismemberment.
Whatever your insurance
needs, Mountain America
Insurance Services can
help you find the policy
that gives you the financial
resources to protect your
family and property at an
affordable price. Contact
us today at 1-877-276-7882
for your no-obligation
consultation.
Insurance products offered by Mountain America
Insurance Services, LLC, are not a deposit, not an
obligation of or guaranteed by any credit union, not
insured by the NCUA, and in the case of life insurance,
may go down in value. Purchasing of insurance products will not affect the extension of credit in any way.