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Credit Union Classroom

Have You Prepared for the Inevitable?

There area two areas of planning that most of us do not want to talk, or even think about... but if we love our families, we must protect them from becoming impoverished with the loss of our annual income, if we're no longer here to help support them. This means Life Insurance and a Living Trust. Both are remarkably easy to put in place, and only take a modest amount of effort on our parts. For example, to replace a bread winner's annual income, during the years our children are growing up, from 1 to 21 years, is fairly inexpensive. We have resources here at the credit union to assist you in putting the coverage that best suits you, in place.

Who Stands to Gain Most, when your IRA passes to your Kids?

If you own an IRA, 401(K), 403(B), 457 Deferred Comp, or any other tax deferred savings for retirement... the question is; "Have you converted your current plan to a "Multi-Generational" Plan"? Have you ever even heard of such a plan? In 2001 Congress passed a law that allows you to pass your life savings to your family and avoid the massive taxation your broker, financial planner, or CPA failed to tell you about! Right now, the combined taxation on most of us, that could be at risk from our kids inheritance, is approximately 46-50%... That's Right! Nearly half of what you've worked your whole life to save goes to the government, unless you have a plan in place. To learn more, be sure and visit our partner's link, CU PLAN . Watch the two-part 4-5 minute class, "Your I.R.A. Tax Time-Bomb".

Who needs a Living Trust, I already have a Will...

According to Legal Experts, nearly 80% of Americans do not have a Will, let alone a Living Trust. A Will, by definition, is simply instructions to the Probate Court Judge! Probate is a court proceeding that can take your family up to Two Years to get through. It's a Public Forum, inviting creditors and whomever might want to make a claim against your assets to do so prior to your beneficiaries receiving their inheritance. And, it's exceedingly Expensive, costing $30,000, $50,000, $70,000, up to 8-10% of your "gross" assets, not your net worth, taken from your estate, prior to your loved ones receiving their inheritance! A Living Trust truly serves a purpose... "To Avoid Probate Court!" Protecting your assets from the probate courts, through the credit union, is less expensive than you might think. Be sure to visit CU PLAN , and watch all 8 of our 4-5 minute classes in our "Virtual Classroom". Don't "Procrastinate", start your Living Trust Planning Today by calling 1.800.847.2758.

Member Resources




To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

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