Tuesday, May 22, 2018

13 Incredible Grilling Hacks

Whether you use a modest charcoal grill or an upscale Weber, we’ve got your BBQ success covered! Here’s 13 genius grilling hacks that will take your barbecue to the next level.

1. Use a muffin tray for condiments 
Keep all of your barbecue trimmings in one convenient place: a muffin tray! The 12 sections are perfectly suited for housing your condiments.

2. Clean with an onion 
The next time you use your grill, clean it while it’s still hot. Slice an onion in half, and use it to scrub the drippings and other gunk off your grill. It should come off easily.

3. Layer your grate for veggies 
Place an old barbecue grate across your existing one before grilling vegetables. The grid should keep your veggies from slipping through, while giving you the flame-licked taste you savor.

4. Vegetable parcels 
If you like chunkier vegetables, wrap spiced sweet potato, potato or zucchini squares in foil and throw it on the grill. After 10 minutes, you’ll have a delicious, healthful side dish!

5. Use two skewers 
Double your skewers per kebab so individual pieces of meat or chicken don’t rotate on their own as you flip the kebab.

6. Add a smoker to an electric grill 
Wrap some wood chips in foil, poke holes in the parcel and toss it on top of the grill’s burner below your grate. Keep your grill on medium-low. Your parcel will lend your food a hint of sensational smokiness!

7. Check your propane level 
To check the propane level in your tank before you start, tilt it a bit and pour boiling water on its side – but not its top. Now feel your tank. Wherever there is propane inside, it will feel cool to the touch.

8. Smoke lemons 
For an easy burst of flavor for your grate, halve some lemons and grill them on low heat for a few minutes, peel-side down.

9. Spiral your hot dogs 
Skewer a hot dog and rotate it slowly as you cut it along its length for a spiraled look. It will cook more evenly, give you places for holding condiments, and look super cool!

10. Short on time? Nuke it! 
Cook your chicken in the microwave until it’s nearly ready. Then, throw it on the grill to give it a flaming finish!

11. Use a foil tent 
To help your cooked meat retain moisture and to distribute its juices evenly, let it rest under a loose foil tent for ten minutes before serving.

12. Try some grilled cheese – literally 
Throw a wheel of cheese directly on the grill and let it melt a bit. Scoop it off the flames before it completely liquefies and then serve up the most delicious, gooey spread!

13. Use all the heat! 
When you’ve finished cooking, pile your still-warm grill with any foods that need to stay warm, your buns, or some foil-wrapped s’mores for a delectable dessert!

Your Turn: Got your own grilling hack? Share it with us in the comments!

Friday, May 18, 2018

School Spotlight in the North: Students Take the $5 Bill Quiz

Student-Run Credit Unions in the North! 

Community Financial has school partnerships in five schools near our northern branches. Students in Gaylord Intermediate, Lewiston Elementary, Atlanta, Gaylord St. Mary’s, and Hillman Intermediate schools participate in our Student-Run Credit Union program. Our Education Partnership Coordinator, Angela Corbin, works with schools in these areas to help educate the youth in northern Michigan. Here are some pictures of Angela with her student volunteers at Lewiston Elementary School!

Education Partnership Coordinator, Angela Corbin,
posing with her Lewiston Elementary Spring Volunteers.
Lewiston Student-Run Credit Union
volunteers assisting student members.

$5 Bill Money Fun Facts 
Students involved in our Student-Run Credit Unions learn important money management and work-readiness skills, but they also have fun too! Angela recently “quizzed” her students on certain fun facts about the $5 bill during one of her school credit unions. Take the quiz below to see how YOU do!

The $5 Bill Quiz: 
1. Who is the president on the $5 bill?
2. What number was his presidency?
3. What is the life expectancy of the $5 bill?
4. What is the $5 bill made out of?
5. What percent is the $5 bill in circulation?
6. What words are micro-printed on the top of the Great Seal (get out your magnifying glasses!)?
7. How many states are written on the top of the Lincoln Memorial?
8. Two states are named differently, which are they?
9. What words are micro-printed on the large purple “5?”
10. What is the eagle holding on the front of the $5 bill?

Student volunteers working
on their “$5 Bill Quiz.”
Success!  Student volunteers holding
up their completed quizzes.  

Your Turn: How did you do? Check out the answers below and tell us your score!
1. Abraham Lincoln
2. 16
3. About 4 years
4. ¾ cotton, ¼ linen
5. 6%
6. E. Pluribus Unum
7. 26
8. “Hampshire and Carolina”
9. USA Five 10. Olive branch and arrows

Tuesday, May 15, 2018

Ready, Set, Go… to College

It may seem like yesterday when you were sending your child off to preschool. And now you’re preparing him/her for college! Having your son or daughter attend college or trade school is a major milestone, but it can also bring on a lot of stress if you’re feeling unprepared! There are some things your student can do to help smooth the transition.

1. Medical Preparation 
Have your child schedule any necessary doctors’ appointments now. Check that all immunizations are current and ask the doctor to fill out college medical forms and to write prescriptions for ongoing medications. Make sure your son or daughter has easy access to their medical insurance information and that it’s in place before they leave. You’ll also want to discuss HIPAA authorization forms, in case your student is hospitalized due to an accident or health emergency while away. Medical personnel will not be able to consult with you without your student’s consent through this form.

2. Resolve Any High School Issues
Double check with the high school that the latest transcripts have been sent to the college. Request all high school records, including testing results.

3. Ease the Transition
Spend some time looking at the course catalog with your child, discussing classes of interest and guiding them through their course selection. Look at a campus map together to identify important locations they will need to visit throughout their college years.

4. Pack Up 
Have your future college student make a list of things they need to pack during the summer. Check off each item as you purchase and pack it. Labeling items may also help prevent loss.

5. Techie Stuff 
Make sure your student’s technology is up-to-date. Does she need a new computer or a used upgrade? It’s easier to take care of this while at home. Have your son or daughter login to their college’s online portal to get familiar with it and the information that is available.

6. Finances 
If your child does not have one yet, you may want to open an account that includes a debit card. Discuss how much money will be available to them. All Community Financial members ages 13 to 23 are also automatically enrolled in our Student Club which offers them:

7. Thinking Ahead 
Talk about how you will keep in touch with each other. Are you comfortable with email only? Do you want a phone call or video call once a week? Clarify this before the big day to avoid misunderstandings. You can also talk about ways to combat stress at school.

Your turn: Do you have a child leaving for college soon? How are you both preparing for this major milestone? Share your best tips with us in the comments!

Tuesday, May 8, 2018

12 Tips to Sell Your Home Quickly

Spring is in the air! And aside from the hum of lawnmowers, spring means the chance at a fresh start in a new home. If you’re looking to sell your home and start over elsewhere, you likely want that sale to happen as quickly as possible. Read on for 12 tips to sell your home fast:

1.) Price it right 
Find out the true worth of your home, and then lower it 20%. You’ll have buyers rushing – and then bidding up the price to what you really wanted.

 2.) Choose the right agent
Do your research before hiring a realtor. Your broker should have an excellent track record that includes recent sales and being updated on market trends. Be sure to ask for references and credentials, too.

3.) Let the light shine
Change your lampshades and use the maximum possible wattage for every light fixture in your home. You can also scrub your windows, remove the drapes and let the sunshine in.

4.) Rent a storage unit
You want your house to be clutter-free and your closets to look as spacious as possible. To do this, you’ll probably need to get rid of half the stuff around your home and in your closets. Consider renting a mini storage unit to store your extra stuff until your house sells.

5.) Amp up your curb appeal
Attract buyers by sprucing up the exterior of your home. Splurge on a striking patio set, trim your shrubs and plant some pretty flowers along your walkway.

6.) Focus on the kitchen
The kitchen is where it’s at. Depending on the state of your kitchen, you might want to do a quick remodel, including a fresh coat of paint, new cabinets and more. Remember: A buyer can easily shave $10,000 off the asking price by claiming your kitchen is outdated.

7.) Upgrade – but don’t go overboard 
It’s OK to do some light remodeling throughout your home, but don’t go overboard. A paint job, new light fixtures, door handles and rugs can do the trick.

8.) Make it impersonal 
Get rid of your personal items before showing your home. You want visitors to envision their own belongings here – not yours.

9.) Market it yourself 
Be your own best agent. Let everyone and their neighbor know you’re selling your home and be sure to speak in glowing terms about your house to anyone who asks for details. 10.) Make it sparkle Don’t skimp on this one! Give your entire home a deep cleaning before showing it to buyers.

11.) Hide your pets 
 Not everyone is an animal lover. If you’ve got some furry critters at home, hide the evidence! If you’re hosting an open house, send your pets to a friend’s place for the day.

12.) Hire a professional 
Consider hiring professional help for staging and photographing your home. You’re all set! Now get out there and put your home’s best face forward!

Your Turn: Have you recently sold your home? Tell us how you made it happen! Share your best tips and tricks with us in the comments!

Tuesday, May 1, 2018

How Should I Use My Tax Refund?

When you receive an unexpected windfall, whether it’s from a tax refund, work bonus or a cash gift, it’s always a good idea to be proactive about how you’ll spend it instead of letting it just blow through your checking account. Below, we’ve listed some dos and don’ts for you to consider.

Do: Pay down debt 
Consider earmarking 20% or more of your windfall toward paying down high-interest debt you may be carrying. You’ll save a ton on interest and you’ll be finished with this debt sooner than you’d planned.

Don’t: Lend out your refund money 
Lending all of your refund money is not the best idea. You might not see that money for a while. And, if you do, it’ll likely be in small repayments instead of the large chunk of cash you have now. That severely limits what you can do with it.

Do: Start saving or investing 
Take $1,000 out of your refund and use it to start a savings account. You can set up an automatic transfer from your checking account each month to help it grow, even if you can only afford as little as $10. You can also use this opportunity to start investing. Say you receive an annual refund of $2,800 and invest this money at 6% interest. If you continue investing this amount each year, you’ll find yourself with approximately $250,727 in 30 years’ time. That’s making your refund work for you!

Don’t: Invest in a low-interest account 
Don’t be lazy about saving your money. Keeping all that cash in a low-interest savings account or an ordinary checking account with little to no interest will dramatically decrease its growing power. If you need help deciding where to invest or save your refund, speak to one of our Investments & Insurance representatives.

Do: Invest in yourself 
Advance your career and increase your earning power by using your tax refund to pay for a work-related conference, additional training in your field, or for learning an entirely new skill.

Don’t: Blow it all on impulse buys 
Don’t spend your entire refund without planning or you’ll be setting yourself up for disappointment later.

Do: Reward yourself 
It’s OK to celebrate with one or two bigger purchases you’ve been eyeing throughout the year.

Don’t: Receive your refund on a gift card 
Many tax software programs offer the opportunity to get refunds via gift card. If you’re offered this choice, opt out. You always stand the chance of losing the card, and it limits the ways you can spend your refund money.

Do: Donate to charitable causes 
The bonus cash in your pocket gives you the opportunity to give back to the community in ways you might not be able to afford throughout the year.

Your Turn: How are you going to spend your refund this year? Share your plans with us in the comments!

Tuesday, April 24, 2018

How to Talk Money with Your Partner

What happens when you and your partner have different approaches toward money? How do you bring up this loaded topic without it spiraling into a heated argument? Read on for the ultimate guide to discussing finances with your partner.

1.) Dedicate a time 
Let your partner know you’d like to talk about money and, together, pick a time and place that works for both of you. Choose a time when both of you can completely focus without distraction.

2.) Prepare your thoughts 
Prepare a mental list of topics you’d like to discuss. Include the basics like budgeting, saving and sharing living expenses, along with any specific issues you’d like to change.

3.) Start with a vision 
Don’t jump start the discussion with accusatory statements. Instead, start with a goal. Here are a few to get you thinking:
  • Would you like to spend a month touring Europe? 
  • Wouldn’t it be amazing to move out of this apartment and buy a home of our own? 
  • I’d love to retire at 55. Would you? 
4.) Create a savings plan 
Now you can start talking numbers. How much would it cost to spend a month in Europe? How much would we need to save for a down payment? Together, create a savings plan that will help you reach your shared goal. Work out exactly how much money you’d need to put away each month, and how long it would take you to reach your goal.

5.) Build a budget 
Before you can start saving, you’ll both need to trim your spending. Without pointing fingers, discuss specific ways to cut back. Together, work out a monthly budget that accounts for all expenses and your new savings goal.

6.) Discuss money management 
If you aren’t already sharing expenses, now’s the time to bring it up. There are no hard rules here; every couple has their own system. But, if you’re living together, it makes sense to split some basic costs. You may want to go 50/50 on this or make another arrangement that better suits your individual incomes.

Be sure to keep at least one credit card open in your own name. It’s important to establish and maintain your own credit history independent of your partner’s.

7.) Recognize your partner’s strengths 
When dividing financial responsibilities, assign appropriate tasks that play to each partner’s strengths. Is your partner a stickler for dates and deadlines? Have them assume responsibility for paying the bills on time. Are you a numbers freak? You might want to be in charge of managing your joint investments. You’ve made it through the money talk. Now, go make those dreams happen!

Your Turn: How did you bring up the big money issue with your partner? Share your best tips with us in the comments!

Friday, April 20, 2018

School Spotlight: Thornton Creek Students Practice Professionalism

Thornton Creek Students Lead with Parent Support! 

Education Partnership Coordinator,
Karie Gonczy, poses with one
of her branch managers.
Community Financial has continued to grow its Student-Run Credit Union program since it began in 1990. Thornton Creek Elementary School, in Northville, was an added partnership in 2004. Since then, the Thornton Creek “Gators” have been expert savers!

Fourth grade volunteers run the Student Credit Union at Thornton Creek, and parents like to get involved too! With the high volume of student savers at Thornton Creek, parent helpers are a welcomed asset to the program. Parent helpers assist students in counting money, record keeping, and professionalism. Education Partnership Coordinator, Karie Gonczy, assists students and parent helpers in having an exceptional experience!
Check out these photos of some of our amazing parent helpers!

Powerful Professionalism at Thornton Creek 

Students who volunteer at our Student-Run Credit Unions learn about professionalism and its importance. Professionalism is how a person conducts themselves at their job. “Powerful professionalism” is taught and reinforced throughout the Student-Run Credit Union.
"Powerful professionalism" in action!
Volunteers are instructed to greet student members in a pleasant manner, to dress appropriately (each student receives a Community Financial t-shirt), and to keep conversations appropriate. Other aspects of professionalism reinforced are: punctuality, offering to help others, staying positive, and asking for help if a mistake is made.

A Student Credit Union member
waits for her deposit receipt.
Professionalism is noticed and makes a huge difference in any work environment. For many of our Student Credit Union volunteers, this is their first experience with professionalism. It is important for our Community Financial team members and parent helpers to assist whenever they can, to make it a positive experience for all involved. Take a look at these Thornton Creek spring volunteers displaying professionalism on the job!

Your turn:  What other aspects of professionalism do you find important? Tell us what you think in the comments below!

Tuesday, April 17, 2018

Getting Your Home Ready for Spring

While most of us get excited for the spring, very few enjoy the task of spring cleaning and getting your home ready for the changing weather. Luckily, Community Financial is here to make your spring cleaning easier with a few tips and must-do tasks.

1. Make a list of all your tasks.
Spring cleaning can be a daunting task so make a list of everything you want to accomplish. Go through your list at your own pace. Do one or two tasks whenever you have the time.

2. Clean out your closet.
Go through your closet and switch out your winter wardrobe with your spring clothes. Let go of the shoes you never wear or the shirt you haven’t worn in six years. Donate anything you don’t need to your local collection center.

3. Declutter and organize.
Go through each room in your house and get rid of the excess clutter. Empty out your junk drawers and closets and sort through what you need to keep or not keep. Organize your remaining stuff in plastic bins or boxes for easier storage.

4. Rearrange your furniture.
Rearranging your furniture can give a new look to a room at no cost. Rearrange your tables and chairs to freshen up your living room for the spring.

5. Clean the gutters.
Over the winter, your gutters may be clogged with leaves. Combined with some spring showers, they could be blocked. Get out your ladder and work on cleaning them out or hire a professional to do it for you.

6. Replace smoke and carbon monoxide detector batteries.
This is a small task that can be easily checked off your list. Making sure all your smoke and carbon monoxide detectors are working will help keep your family safe. Making sure you test the batteries during your spring cleaning creates a consistent time to check them out each year.

7. Thoroughly clean and air-out your home.
We can all get a little lax in our cleaning during the winter. Pick a warm spring day and open all the windows as you clean your house. Your house will feel cleaner and smell fresher when you’re done.

8. Organize your pantry.
Holiday meals often result in an accumulation of extra cans and boxes in your pantry. Sort through your pantry and box up whatever you don’t need or use. Donate these items to a local food pantry.

Your turn: What are your priorities in getting your home ready for spring? Share your tips with us in the comments section!

Tuesday, April 10, 2018

Celebrate Financial Literacy Month

Did you know that April is Financial Literacy Month? Nationally established in 2000, Financial Literacy Month focuses on raising public awareness about financial literacy and the need for financial education. It also celebrates achievements in financial education and addresses new issues in the field.

Financial literacy is an ongoing issue for a majority of Americans. According to Money Management International, Americans carry more than $2 trillion in consumer debt. Additionally, 30% of consumers report having no extra cash, which means they cannot save and are living paycheck-to-paycheck. 

Check out these helpful resources and celebrate Financial Literacy Month along with us!

Money Matter$ eLearning Center 
Our Money Matter$ eLearning Center contains free and self-paced modules that cover key financial concepts like: saving, investments, credit scores, identity theft protection, etc. The goal is to help you improve your financial well-being with programs that assist you in making smart financial decisions. 

Financial Resource Center 
In our Financial Resource Center, you can browse through channels on a range of different financial topics including: auto buying, career planning, loan & credit management, saving & investments, tax planning, etc. Click on each channel to see more information and resources on the various topics. 

Financial Calculators 
Our Financial Calculators can be used to calculate monthly payments on an auto loan, mortgage, or credit cards, or help you plan out your budget or retirement savings. Just enter in some basic data, and the calculator will help you figure out how much you can afford to pay or what you can save.

Auto Resource Center
Our Auto Resource Center offers a free, online auto shopping site.. Get a quote on a vehicle, search for new or used cars, as well as car buying tips & advice. The Auto Resource Center also offers a car loan calculator to figure out what monthly payment you can afford before you go to the dealership. 

Money Matter$ Blog 
Our Money Matter$ Blog that you are reading right now offers insight on a variety of financial topics. You can browse our current and past blogs for financial tips, news and events going on at the credit union. There is a new blog post every week, so check back regularly or subscribe to our blog emails to stay up to date.

Money Matter$ Podcast
Available on both iTunes and cfcu.org, our Money Matter$ Podcast has a library of short, easy to listen to episodes covering financial topics such as: how to budget for the holidays and back to school shopping tips.

Free Credit Review
Community Financial also offers a Free Credit Review to help you understand your credit score. Our website offers a breakdown of what makes up a credit score, but if you need more guidance on how to manage your credit, simply visit a branch near you or call (877) 937-2328.

For more information on financial literacy and the resources Community Financial has to offer, visit cfcu.org.

Your turn: How do you plan on celebrating Financial Literacy Month? What financial resources to do you find helpful?

Tuesday, April 3, 2018

Saving on Home Renovations

Is your home in desperate need of a facelift? As you probably know, renovations don’t come cheap. In fact, the average kitchen remodel can top $60,000 and bathroom overhauls can cost as much as $18,000!

With some careful planning, you can shave thousands of dollars off these price tags. Here are 7 ways to save:

1.) Don’t do a complete remodel 
Instead of knocking down walls, give the outdated area a fresh coat of paint, new light fixtures and some minor décor upgrades.

Potential money saved: $30,000.

2.) Shop around for a contractor 
Find someone professional, reliable and willing to give you a decent price. Check out at least three different contractors before making your decision. Ask for references and meet with each contractor in person to get a feel for their professional conduct and character. Also, be sure to sign a detailed contract.

Potential money saved: several thousand dollars.

3.) Consider long–term benefits 
It often makes sense to pay more now if it’ll save you big down the line. For example, if you’re installing clapboard siding, you’ll save in the long run by paying more for pre-primed and pre-painted boards. Using the prefinished claps means you’ll need half as many paint jobs in the future.

Money saved: $1,250 (for a 10×40 area).

4.) Pick decent, but mid-grade materials 
When long-term functionality is not a criterion, choose the mid-grade option. One area where you’ll see this at play is in carpeting. Olefin and polyester carpeting will run you $1 to $2 per square foot, while wool costs upward of $9 to $11 per square foot.

Money saved: $400 (for a 40-square-feet area).

5.) Bring in natural light without windows 
Looking to bring a splash of sunshine into your kitchen? Instead of adding a window, consider installing a “light tube.” It slips between the rafters on your roof and works to funnel sunshine down into the living space below. Adding a double-pane window can run you $1,500; a light tube costs $500.

Money saved: $1,000.

6.) Lend a hand 
Save big by doing some of the demolition work yourself, painting some walls, or even sanding walls to prep them for painting. You can also lend a hand with the cleanup instead of hiring a crew.

Money saved: $200 or more.

7.) Increase efficiency, not size 
Cramped kitchen? Don’t assume you need to push out walls to make it work. Instead, reorganize your kitchen for optimal efficiency and save tens of thousands of dollars. Upgrade your cabinets with lazy susans, pullout drawers, dividers and more. Consider hiring a professional organizer to show you how to maximize your space – you’ll still save big overall.

Money saved: up to $60,000.

Before making any decisions, be sure to call, click or stop by your local branch to learn about our low rates on Fixed Home Equity Loans and Home Equity Lines of Credit (HELOC)! You can learn more by visiting cfcu.org/homeloan.

Your Turn: Have you recently remodeled? How did you save money? Share your best hacks with us in the comments!

Monday, March 26, 2018

2017 Community Matters Annual Report Available

A Message from CEO Bill Lawton and Board Chair Teresa Folino 

We thank you for your continued support and membership at Community Financial Credit Union. We are pleased to share our 2017 Community Matters Annual Report in which you’ll find information highlighting the credit union’s commitment to our members and our communities.

In 2017, we continued to focus on our members’ needs and giving back to those in our communities, through financial contributions and team members donating their time to volunteer. We were proud to expand our branch network to serve our members in the Westland community. The branch is located on Wayne Road just north of Warren Road.

We are very proud of the work our team members do each and every day. This past year was no exception, as our award winning Student-Run Credit Union program was selected as the Michigan state-level winner of the Desjardins Youth Financial Education Award and recognized as the 1st place National Award winner. With our school partners, we engage students in local schools and teach them smart money habits that will last throughout their lifetime.

In 2017, we surveyed our members to take a closer look into their financial health. The survey results will guide our efforts through 2018 and beyond as we continue to ensure you have the tools you need to build a solid financial foundation. Our passion for service to our members sets us apart from other financial institutions in Michigan and we constantly work to build and maintain strong member relationships so we can serve you better.

Finally, we would like to thank all of the directors and the board’s supervisory committee for their dedication and willingness to serve the credit union on a volunteer basis over the past year. They continue to represent you and govern a financially strong credit union that is able to make a positive difference for our members and our communities. We are both very proud to be a part of Community Financial and its commitment to enhancing the communities we serve. We can’t do this without your membership and we hope you are proud to be a part of a very special cooperative that is changing lives and building stronger communities. Thank you for giving us the opportunity to serve you and we look forward to serving you in 2018.

Tuesday, March 20, 2018

Energy Saving Tips When Buying New Appliances

There’s no getting away from the fact that our dependence on energy increases daily. With energy-dependent technology driving our lives, ecologists continue to search for ways to save our environment. In fact, 30% of the charges on your electric statement stem from your appliances. Focusing on energy-efficient appliances is one way to do that.

Is one of your appliances on the blink? Before running out to purchase a new model, consider if it’s worth contacting a technician to fix your machine. Since prices for electrical appliances have decreased over the years, it might be worthwhile to buy a new model. Besides, the costs of a new part for your old apparatus and the technician’s visit can be high.

What Does Energy-Efficient Mean?
In simple terms, this means the process that is used to make the appliance function is using less energy. How can you be sure you’re getting the best product at the most cost-effective price?

Here are some tips to guide you in your search:

1. Determine the total cost. The first thing to consider is the operating cost. This amount, along with the actual purchase price, should give you the real cost of the appliance.

2. Check the energy rating. There are several reliable rating services that provide information about appliance energy consumption. The federal government uses the Energy Star Standard sticker to inform consumers of the operating cost and the annual energy consumption of each appliance.

3. Select the right size appliance. Running a large machine, even the most energy-efficient one, uses more electricity than a compact one.

4. Look for economy choices. Many dishwashers and washing machines offer a variety of different cycles. If you find one with an economy cycle, you’ll save money when you only need to wash a small load of clothes or dishes.

5. Stay simple. When it comes to choosing a refrigerator, go easy on the add-ons. Top-to-bottom fridge/freezer models are more energy efficient than side-by-sides. Features like water dispensers, ice-makers and auto-defrost use lots of extra electricity. This holds true for self-cleaning ovens, too.

6. Contact your utility supplier. They can help you with the latest ways to save on utility charges. With today’s smart devices, appliances can be programmed to use less energy at certain times of the day.

7. Check out your home. Hire a home assessor to identify ways you can save on your overall energy and water costs.

8. Comparison shop. Never buy the first model you see. Household appliances are not cheap, and to find the most energy-efficient one at the best price, you’ll need to comparison shop. Don’t pay for the name in a specific model; compare the details of each machine.

Your Turn: Do you own an energy-efficient appliance? How much has this purchase trimmed from your monthly electricity bill?

Friday, March 16, 2018

School Spotlight: Liberty Middle School Students Get Schooled in “Adulting”

Life Management teacher, Colleen Ramirez, helps students
make wise choices at the Mad City Money “Mall” station.
Seventh and eighth grade Life Management classes from Liberty Middle School in Canton participate in Mad City Money. This program is a reality simulation designed to engage students in making tough budgeting choices as if they were an adult. Students begin the simulation by picking a profession and are given a set salary.

Liberty Middle School staff member,
Trichelle Touma, helps students purchase
housing during Mad City Money.

They are also given credit card debt, student loan payments, and healthcare costs. During the simulation, students must purchase their transportation, housing, child care, home essentials, food, and clothing within their means. In the end, the goal is for students to have built a monthly budget that leaves $100 in their checking account.

Life Management students rotate to
stations to make all of their purchases.
Students vary in how they spend their money throughout the simulation. Some students end up with a lot of extra money (thinking they can now buy a luxury boat), only to realize that they have significant credit card debt that needs to be paid off first. Other students find that they are over-budget and have to get rid of their fun purchases (like that extra boat)! Overall, however, students get the sense of how “adulting” (as one student described it) is a challenge.

Check out some fun pictures of Community Financial team members assisting students with their budgeting:

Student Credit Union Members and Budgeting 
Student credit union members at Community Financial are also encouraged to have a plan for their money. Student members are given a goal sheet at the beginning of the school year that helps them to set a savings goal and to track their progress each month. This helps students to “budget” their money at an early age. You are never too young to learn budgeting skills!

Budgeting Skills
Creating a monthly budget takes time, effort, and organization. Students participating in Mad City Money learn quickly that there are multiple elements to consider in creating a budget as an adult. Luckily, these students are guided in how to make wise money choices during this simulation. Adults, however, must often navigate the world of credit cards, debt, loans etc. on their own with little help. The resources listed below can help alleviate some of that stress. Check them out to find more budgeting and financial help:
Your Turn: Which financial resources do you find the most helpful? Tell us below in the comments.

Tuesday, March 13, 2018

Understanding Regulation D and Withdrawal Limits

Do you know the real differences between a savings and a checking account? Most people don’t, so here’s a quick breakdown to help explain.

Since a credit union’s vault doesn’t hold all the money deposited by its members, there are requirements determined by the Federal Reserve which govern how much cash financial institutions must hold in reserve against the accounts at that institution. The federal regulation that contains these rules is called Regulation D (Reg. D for short).

The percentage of funds that must be kept by institutions is currently 10%. Deposit accounts are then defined as “transaction” or “non-transaction” accounts, with only transaction accounts considered when calculating this ratio. So what’s the difference?

Transaction Accounts 
Transaction accounts, such as checking accounts, can be used by account holders on a daily basis for their personal finances. With transaction accounts, depositors can make unlimited payments and transfers from the account to third parties and to their other accounts. They can perform these transactions by writing checks, at an ATM, using a debit card, and through online payment services.

Non-Transaction Accounts 
Non-transaction accounts, such as savings accounts, are intended for long-term savings, and the deposited funds are accessed less frequently. With non-transaction accounts, financial institutions must reserve the right to require seven days of written advance notice before account holders make a withdrawal. This right is rarely exercised, but it’s included in the account agreement. Since they're meant for long-term savings, regulations limit the account holder to six “convenient” transactions per month.

Convenient Transfers 
These “convenient” transfers include: preauthorized automatic transfers, transfers, and withdrawals requested by phone, fax or made online, checks written to third parties, and debit card transactions. Less convenient transactions, like those made in person, by mail or at an ATM, and phone withdrawals requesting a mailed check, are unlimited.

If a member tries to exceed the six-per-month limit on their savings account, the financial institution is required to refuse transfer privileges or convert the account into a transaction account. Unfortunately, when this happens, people are often unaware of the Reg. D restrictions and assume it’s a credit union policy.

Community Financial offers a simple way within its mobile banking app to monitor the number of Reg. D transactions a member can conduct each month. Each time a transfer is made from a savings or money market account, a Reg. D Counter will appear on the Transfer screen in the app. This will count down the number of withdrawals left in the month. If a member needs to exceed the six-per-month limit, they will need to complete the transactions in a less high-tech method like at a branch.

If you have any questions on what Regulation D is and how it affects you give us a call at (877) 937-2328.

Tuesday, March 6, 2018

Thumbs Up For Charity is Back March 12th!

We often give a “thumbs up” to things we like such as Facebook statuses and Netflix shows. During the month of March, Community Financial is making it easy for you to give a “thumbs up” to your favorite charity with our 5th annual “Thumbs Up for Charity!” program! So how does this program work?

Starting March 12th, you can nominate a local organization to receive recognition for its good work in your community, and a chance to receive a financial donation up to $10,000! Nominations will be accepted at cfcu.org/ThumbsUp until Friday, March 30th.

Once all the nominations have been received, five finalists will be chosen and voting will begin on April 9th. The community will be able to vote for one of the five nominees until April 20th, so don’t miss this chance to give recognition to the group you think deserves it most! Winners will be announced on cfcu.org by April 25th.

Community Financial will be donating $25,000 through this exciting program:
  • The charity that receives the most online votes will receive the grand prize of $10,000! 
  • Second and third place winners will each receive $5,000.
  • Fourth and fifth place will each receive $2,500. 
“The nonprofit groups in our communities work hard and we are proud to support them throughout the year,” said Community Financial's Manager/Community Relations Natalie McLaughlin. “We want to provide the residents of our communities a chance to tell us which groups they think deserve recognition, and ‘Thumbs Up for Charity!’ gives them that opportunity.”

If you’d like to nominate a charity, please make sure that it is a registered 501(c)(3) organization, recognized community support organization, or associated with an accredited educational institution serving the communities within Community Financial's field of membership.

For complete contest rules and more information about the “Thumbs Up For Charity!” program, visit cfcu.org/ThumbsUp. Now is your chance to make a difference in your community!

Tuesday, February 27, 2018

Mistakes First-Time Homeowners Make

Buying a house is one of the biggest decisions you will ever make, and there are common mistakes that many first-time homeowners regret making. Here are some of those mistakes, and how you can avoid making them.

1.) Not Knowing Your Housing Budget 
Avoid buying a home that is out of your financial comfort zone. After all, you don’t want to wind up being “house poor.” You likely already have a budget and some idea of your expenses for running your current household. Now is the time to review that budget.

Some of your expenses are going to increase in a new home – like utilities and insurance. Add up all your expenses, but leave out rent or mortgage payments. When you subtract the total of this list from your take-home pay, you will have a good idea of how much you have left for mortgage payments. Check out Community Financial’s mortgage calculator and use it to calculate mortgage payments based on various available interest rates. Generally, housing costs should be 30% or less of your before-tax income.

2.) Looking Outside Your Housing Budget 
Don’t even look at houses that fall beyond your budget; it’ll only set you up for disappointment. Even if you manage to buy the home, you’ll find yourself with too much house and too little money. After doing your research, you’ll know how much house you can afford. You can then pinpoint properties in that price range. Most home purchases require compromise. Maybe you’ll decide on a smaller house in a neighborhood with the best schools. If space is your highest priority, though, you might choose a larger house in a less-exclusive neighborhood. Every house has advantages and disadvantages, but keep your search within your financial comfort zone.

3.) Purchasing Based on Future Budget Changes 
If you are having trouble finding a house in your price range, consider ways to reduce your current expenses. This will mean having more money available to make a larger monthly mortgage payment. Many people mistakenly assume they will make these changes once they own a house. Ideally, these budget changes should be in place before you buy a house, even if it means delaying the purchase. Give yourself at least six months to see if you can stick to your new budget.

4.) Treating Your Home as an Investment 
First-time homebuyers often anticipate selling their house for a large profit in 5 to 10 years. The last decade has brought major changes to every housing market. While a house in certain areas was usually guaranteed to appreciate in value, that’s not always a sure thing anymore. Buy a house to live in and enjoy, not necessarily to make a profit from. 

Your Turn: Do you have tips for avoiding house buying mistakes? Share them in the comments.

Monday, February 19, 2018

Presidents’ Day: Who’s on Your Money?

Since today is Presidents’ Day, we’d like to celebrate the work and accomplishments of the 45 men who have served as Commander in Chief. Each of them has left their mark on the United States, but only a select few have left their mark on our currency. Currently, there are six presidents featured on the U.S. currency in circulation and they are:
  1. George Washington- The 1st president of the United States has his face featured on both the dollar bill and the quarter. Washington was first put on the dollar bill in 1869, seven years after it was put into circulation. In 1924, Congress decided to put his face on the quarter to celebrate the 200th anniversary of his birth.
  2. Thomas Jefferson- Our 3rd president is featured on both the nickel and the less popular two dollar bill. Jefferson’s image has been on the two dollar bill since 1869; failed attempts have been made to increase the bill’s popularity. In 1938, a competition was held for a drawing of Jefferson to be put on the nickel starting in 1943. The winner received $1,000.
  3. Abraham Lincoln- Our 16th president known as the “Great Emancipator," has his image on both the penny and the five dollar bill. In 1909, President Theodore Roosevelt commissioned the penny to celebrate Lincoln’s 100th birthday. Lincoln has appeared on the five dollar bill since 1914.
  4. Andrew Jackson- Andrew Jackson, the 7th president of the U.S., replaced Grover Cleveland on the twenty dollar bill in 1928. However, Jackson will not remain the face of the twenty dollar bill for long. In 2016, the U.S. Treasury announced that Harriet Tubman will replace Jackson on the front of the twenty. However, Jackson will remain on the back along with an image of the White House.
  5. Ulysses S. Grant- The 18th president and famous Civil War general had his face put on the fifty dollar bill in 1913. Attempts to replace him with Ronald Reagan in 2005 and 2010 were ultimately unsuccessful after the legislation was voted down in Congress.
  6. Franklin D. Roosevelt- Our 32nd president had his image put on the dime shortly after his death in 1945, in honor of his work founding the March of Dimes Foundation to fight polio. 
Celebrating Presidents’ Day at Community Financial 
Community Financial hosts an annual Presidents’ Day essay contest for 4th, 5th, and 7th graders at our partnering schools. This year’s question was: “If you were designing a new coin or bill, which U.S. President would you choose to be on it and why?”

Through this essay contest, we hope to encourage students to think about Presidents’ Day and learn how to combine research skills with their creativity. The first place winner will receive $50 and a classroom pizza lunch with our president, Bill Lawton. The second and third place winners will receive $25 each. We look forward to seeing which presidents our participating students think should be on a new bill or coin!

Friday, February 16, 2018

School Spotlight: Orchard Hills Student-Run Credit Union Volunteers Excel at Organization!

Organization is one of the skills Education Partnership Coordinators strive for at our Student-Run Credit Union branches. It is important for students to understand the value of organization, especially when handling cash.

Organization is the key to success
at the Student-Run Credit Union!
Fourth grade students at Orchard Hills Elementary in Novi are exceptional at this skill. Student tellers are taught to count cash and coins in ways that ensure accuracy. The tellers also rely on accountants and computer operators at our student branches to make sure their totals are correct. Dual control is the term we use when students are checking with one another to ensure absolute accuracy. This task is easier with a lot of organization.

Here are some pictures of Orchard Hills students ensuring accuracy at their Student-Run Credit Union branch.

Senior Education Partnership Coordinator, Jeremy Cybulski,
instructs students on how to perform their jobs.  

Student tellers record each deposit made, making
sure mistakes are minimal. 
Student volunteers work together to ensure organization
and therefore accuracy with members’ deposits. 
Student accountants ready to write receipts for members. 
Just another way to make sure that the team is organized and accurate!
The Importance of Organizational Skills in the Workplace 
Good organizational skills are an asset to any job. People who are organized are accurate, on-time, successful individuals! One of the key components to organization is having a to-do list. Student-Run credit union volunteers have detailed lists to help them perform their specific jobs. Our student branch managers, for example, are given a precise list of times to pick up student members from class to make their deposits. They are also trained in organizing the member line, making sure the line is not too long, and that volunteers are consistent in the service given.

At the end of our Student-Run Credit Union deposit day, volunteers organize cash, coins, and checks in a systematic way to ensure accuracy and to account for any mistakes. Believe it or not, part of having good organizational skills is to understand that you are NOT perfect! Preparing for mistakes is an excellent way to ensure habits to fix them!

All of these skills are part of the learning process at our Student-Run Credit Union branches. Orchard Hills students, shown below, are learning valuable organizational skills that will benefit them in their future!
Orchard Hills Student-Run Credit Union winter volunteers 
Your Turn: What types of organizational skills do you use on a daily basis? In what ways does keeping your money organized help you? Tell us some of your organizational successes!

Tuesday, February 13, 2018

Celebrating Westland’s Grand Opening with Guest Blogger Shawn

In honor of Community Financial’s Westland branch opening this month, we asked its new Branch Manager, Shawn Campion, to be our guest blogger. Shawn talks about the Westland team, his excitement for the Grand Opening, and what the new branch will bring to the community. 

About Me 
Shawn Campion,
Westland Branch Manager
I have worked for CFCU for nearly 11 years. I started in 2007 and spent 2 years as a Member Service Representative for what was, at the time, our new Michigan Ave. location. I moved back to the Plymouth location for 5 years as a Financial Sales Representative where I really found a passion for the job I get to do every day.

For the last 4 years, I’ve been the Assistant Branch Manager at our Canton Center and Hanford location. I have a Bachelor’s Degree in Finance from Eastern Michigan University, and my wife and I just welcomed our first child, a daughter, in April last year.

About the Branch 
The Westland branch is located at 7440 N. Wayne Rd., Westland MI 48185. It is just north of Warren Rd. We are located on the site of what used to be the Quo Vadis Movie Theater that was pretty iconic to the city for 45 years until it was demolished in 2011. We are open from 9 a.m.- 5 p.m. Monday-Thursday, 9 a.m. - 6 p.m. on Friday, and 9 a.m.- 1 p.m. on Saturday.

The Westland Team 
Our Assistant Manager Ashley has been with CFCU for a year and a half working as a Financial Sales Representative. She also has a business degree in Business Administration and a background in the mortgage industry.

Westland Branch Team (left to right):
Nicole, Anne, Shawn, Ashley, and Rachel
Our Member Service Representatives Rachel, Anne, and Nicole have a combined eight years of credit union experience here at CFCU. Rachel and Nicole have degrees in Communications and Business Management respectively, and Anne comes from a previous banking and management background.

Above all else, our team focuses on member service. After all, a passion for service is our commitment to you – our members. If we consistently deliver that personalized, high level of service we will continue to grow based on reputation, which is what we love most.

Being in a New Community 
Community Financial already has a solid member base that lives in Westland, but bringing a branch to the community will hopefully expand on that. We have heard from members who reside in Westland and visit our other locations about how excited they are to have a branch closer to them and we are happy to be here.

Even more importantly, though, is to expand our reach to even more people who have not experienced banking this way. We are a full service financial institution, but one thing we do that really helps us stand out from the crowd is our relationship-based lending philosophy. Those with strong credit will appreciate our incredibly low rates, while those who may have fallen on hard times and have challenges with their credit could benefit from talking to us. We look at the whole picture, not just a member’s credit score.

We also look forward to being able to expand our Student-Run Credit Union program into the community. The program is in 49 schools currently, and we have great potential to introduce our way of teaching financial literacy to the youth of Westland as well.

Celebrating Westland’s Grand Opening
I’m looking forward to the celebration of hard work coming from so many people to make this branch a reality. The Westland Branch took contractors, builders, vendors, and team members from many departments within Community Financial months upon months to get to this moment. To celebrate our Grand Opening, the public is invited to stop by our new branch from February 19-March 10, where they can enter to win an iPad Mini. 

We invite current and potential members to come and see the new location and see how we can make banking easier for them. We are looking forward to seeing everyone soon!

Tuesday, February 6, 2018

What to Look For In Your First Job After College

If you’re in your last year at college, you likely spend lots of time thinking about that first, after-college job.
  • What will your job be like? 
  • What kind of company will you work for? 
  • How big will your starting salary be? 
  • Will you get along with your co-workers? 
There are so many variables to think about when looking for that first job! Whether you’ve already started sending out resumes or you haven’t taken the first step, we’ve got you covered. Read on for a list of the most important factors to consider when looking for your post-college job:

1.) Room for growth 
You’re at the starting point of your earning potential and can’t be too hung up on salary. A respectable paycheck is nice and you definitely shouldn’t be working for pennies, but it’s more important to consider whether a position will offer you room for growth. After all, you don’t want the first few years of your career path to be stagnant. 

2.) Exposure to new skills and knowledge 
Experience is truly the best teacher. When looking for a job, be sure to choose one that will help you acquire new skills and broaden your knowledge base. This way, even if the job doesn’t end up being a keeper, you’ll be more marketable for future positions. 

3.) Varied responsibilities 
A first job will not necessarily match your skill set. You might find yourself being asked to assume responsibilities you’d never thought you could handle. Instead of stressing about this possibility, if it comes up at an interview, look at it as a positive factor. You still don’t know the extent of your capabilities. The opportunity to explore new tasks will help you tap into your true potential. 

4.) Benefits 
When considering your take-home pay, find out which – if any – benefits are offered. Standard employee benefits include health insurance, a 401K, paid time off and sick leave. Accepting a job with a higher salary but no benefits can actually leave you with less money in your checking account at the end of the month. 

5.) Company history 
No matter how exciting a position sounds, it’s crucial to find out all you can about the company itself. How long has the company been in business? Is there a high turnover among employees? Have they recently gone through a management shakeup? 

While you might be drawn to a young startup that promises tremendous room for advancement, a well-established company with a proven success track is less chancy and offers more stability. 

6.) Don’t expect perfection 
You likely have a list of everything that’s important to you in a job. Lots of these factors may be important, and you might even consider them deal-breakers at a prospective job. 

It’s important to remember, though, that no job is perfect. You certainly won’t find perfection at your first real job! Scan your list to determine what is truly a non-negotiable to you and what you would consider dropping if everything else fits well. 

Your Turn: Are you job-hunting now? Share your tips and thoughts with us in the comments!

Tuesday, January 30, 2018

Combating the Financial Mistakes of Our 20s And 30s

Early in their careers, people tend to focus on the here and now while ignoring the future. As you climb the ladder of success, you might think raises and promotions will never end and that you have forever to plan for the future. Surprisingly, though, the future comes faster than you can imagine.

Here are the six most common and avoidable mistakes younger people make:

#1: Not planning for retirement 
Retirement may be ages away, but the only way to make sure you have what you need to retire is to start planning early. If you start saving for retirement when you get your first job, even if it’s only a small amount, you will establish the habit and start building up savings. Short-term goals, like a new car, can overshadow what seems like the very long-term goal of retirement. If you get your priorities straight early on, though, you will reap huge benefits.

#2: Spending too much on a car 
It might make financial sense to buy a new car, but don’t buy more car than you need. Choose a car that serves your current needs without sabotaging your long-term goals and savings.

#3: Not using a budget 
You might look at a budget as unnecessary because you’re not making enough money. Or, you may view it as something that will restrict your spending, or as just too much trouble. In truth, a budget can help you at any level of income and can provide you with financial freedom. Budgets allow you to track spending and determine where you need to be more careful. Also, budgets can be as simple as tracking money in and money out. As you earn more and your expenses get more complex, you can adjust your budget to fit your needs.

#4 Overusing credit 
Credit cards make it far too easy to fall into the debt trap. You start carrying a little balance on your credit cards and it builds up, sometimes forcing you to dip into savings to pay your credit card bills. Avoid this situation by using credit sparingly and only for identified and planned purchases. Implement a plan to save for major purchases and pay for most, if not all of them, in advance.

#5: Having no emergency fund 
In our 20s and 30s, we think we’re invincible, but illness or job loss can happen at any time. Start a small system of saving to build an emergency fund that covers your expenses for at least three months.

#6: Not having adequate health insurance 
While health insurance is expensive, it’s irresponsible and short-sighted not to have sufficient coverage. Health insurance isn’t optional, and young people are the first to ignore this rule. The cost may seem prohibitive, but it comes back to priorities and future planning.

Your turn: In your 20s and 30s, did you make some money mistakes you regret? Or, are you in this age bracket now and have questions about setting your priorities? Share your questions or words of wisdom here!

Tuesday, January 23, 2018

How to Reach Your Goals in 2018

How are your New Year’s resolutions going so far? Was your goal to lose weight, get a new job, or save more money? A goal or objective sounds much more concrete than a New Year’s Resolution, which almost nobody sticks to past January anyways. If you’re having trouble achieving the goals you’ve set for yourself this year, heed the following advice to keep moving forward.

Aim High, But Start Low 
Big goals can seem daunting, and the best way to counter this is to break down your big goal into a series of small goals. Starting off with small, attainable goals and building yourself up over time helps to cement your new habits in your mind.

If one of your goals for the new year was to start saving more money, you can start putting a little away every month to reach your goal. One way to do this is with a Community Financial Goal Setter Savings Account. With terms available at 24 or 60 months and only $5 to open, this account can help you reach your savings goals through small obtainable goals.

Know What Success Looks Like 
Have you ever heard that a goal without a plan is just a wish? If you don't know what success looks like, how will you know when you have achieved it? Start writing your goals down and develop a concrete plan to achieve them.

Wrap your head around why you want to achieve this goal in the first place. If your goal is to exercise and eat healthier, is it just to look better and reach a certain number on the scale? Or is the true motivation to have better overall health so you look and feel your best? Understanding your motivation for reaching your goals will help you feel more successful.

Invest in Education 
Make 2018 the year for gaining more knowledge. Read more books, blogs, or online articles that relate to your goal. Join a group or club that will encourage you and let you talk to those with similar interests. For example, if your goal is to find a new career, you could join a professional or public speaking organization to help build confidence and increase your network.

If your goal is to improve your financial well-being this year, check out our Money Matter$ eLearning Center. These free and self-paced modules cover key financial concepts such as: saving, investing, raising your credit score, identity theft protection, and obtaining a mortgage. Whatever your goal is, more education will help inspire you and keep you on track.

Track Your Performance 
Check in with yourself on goals regularly. Every time you work on them, mark your progress on a calendar. Stick your goal on the wall where the rest of your household can see it. This not only reinforces accountability, but also gives you a reminder. Tell trusted friends and family members what you are working on so they can also help hold you accountable and share in the progress you’ve made.

Your turn: How are your 2018 goals coming along? Do you have any advice for others on how to accomplish their goals this year?

Friday, January 19, 2018

School Spotlight: Webster Elementary Students Learn Interviewing Etiquette Skills

Even though Webster Elementary School is only in its third year of partnership with our Student-Run Credit Union program, the students at this elementary school in Livonia are already learning valuable, transferable work skills. Every student that would like to volunteer at our Student-Run Credit Union branch must fill out a job application and participate in a job interview.

A Webster 5th grade student
(dressed for success) posing with
his completed job application!
Our Education Partnership Coordinators teach students the importance of filling out their applications legibly, truthfully, and accurately. Some students at Webster even turn in attached resumes with their job applications! There are some amazing students at Webster Elementary!

After all the applications are turned in, students undergo a “best fit” interview. Students are taught to highlight their skills through a variety of questions that Community Financial team members ask. They choose three jobs they would like to perform. Depending on their highlighted skills and communication during the interview, students are assigned a job that is the best fit for them and the credit union. Here are some Webster Elementary students going through the job application/interviewing process.
Senior Education Partnership Coordinator, Jeremy Cybulski,
reaching out to shake a student’s hand before his job interview.
  A fifth grade student actively interviewing for a
Student-Run Credit Union position at Webster. 
Job Application/Interviewing Tips 
It's official! This student got the job!
Filling out a job application and going through the interviewing process is a life skill. Giving students the opportunity to do so at an early age helps them to become more comfortable with the technique. After all, it is a nerve-racking process!

Some interviewing tips our Education Partnership Coordinators stress to students include: dressing for success, offering a firm hand shake (using your right hand), being aware of body language, asking relevant questions, and being positive! Smiling is another skill coordinators communicate to help students relax. Smiling is a huge help in alleviating stress during an interview!

Here are some pictures of Webster’s Student-Run Credit Union volunteers. These students successfully filled out a job application and went through their first job interview. Success looks good on them!
Webster Elementary Student-Run Credit Union fall volunteers.
The Webster Student-Run Credit Union marketing team.
Webster's Student-Run Credit Union in action!
Your Turn: What interviewing tips have you found to be helpful? Tell us some of your successes and/or failures when interviewing for a job.

Community Financial Credit Union, P.O. Box 8050, Plymouth, Michigan 48170-8050;
© Community Financial 2013
Federally insured by NCUA.
Equal Housing Lender
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Federally insured by NCUA.