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Are you Saving Enough?

For the first time since the Depression, Americans’ personal savings rate dropped to negative levels in 2005. This means that on average, we spent everything we earned, and then dipped into our savings to spend some more. “Americans seem to have the feeling that it is wimpish to save,” said David Wyss, chief economist at Standard & Poor’s in New York. “The idea is to put away money for old age and we are just not doing that.”

 

How do you compare? Do you have a good savings plan? Even putting away $25 per paycheck is better than not saving at all. Members Trust offers a wide variety of Savings plans to fit every budget:

 

  • Regular Savings – Interest bearing savings account
  • Premier Savings – Receive quarterly dividends based on a set quarterly rate
  • Payroll Growth CD – Start with just a small investment of $25 and then put away a little more each month. It’s a great way to get started!
  • IRA’s – Choose from Traditional, Roth, even Education IRA’s
  • Certificates of Deposit – Great rates, monthly dividends
  • Health Savings Accounts – Save for your medical needs

 

As you can see, there are many savings options to choose from to save for retirement, large purchases, and even for education. Don’t be like the millions of Americans who aren’t saving their hard earned dollars. Invest in your future by opening an investment account today – click here for more details..

 

Summer Travel Tips

Summer is upon us and if you’re like most, you’re considering where to spend your Summer Vacation. Some of us head for a tropical oasis, others might prefer somewhere slightly cooler. Whatever you decide, Members Trust can help you jump-start your journey with a low rate Vacation Loan! Here are a few money saving tips if you will be traveling by air:

 

1. Purchase tickets online. Shop around for your best deals and then buy directly from the airline's website. These are often where you’ll find your best deals.

2. If you can be flexible in your travel dates and times, you can often get a better airfare.

3. Join frequent-flier programs

4. Sign up for e-mail alerts from airlines. You’ll sometimes have to be more flexible with your travel dates, but these offer great rates.

5. If you have more than one airport in your surrounding area, check flights from both airports. You can often find a better deal if you’re willing to drive just a little farther – and the savings may be worth the drive!

6. Depending on where you’ll be flying, you may also be able to fly into an airport that’s a little farther from your destination, but may offer cheaper fares.

7. Always request the ticket price to be quoted with taxes and fees. These can add up, so be sure you know what your total price will be so there won’t be any surprises.

8. Travel on off-peak days or off peak hours.

9. Always buy your tickets 14 or 21 days in advance if you are able. These usually aren’t transferable tickets, but will get you the best rate.

10. Be aware that the youth fare isn’t always the cheapest. Sometimes airlines run specials that are even cheaper than the normal discounted youth fare

 

10 Second Loan Approval !

No More Lines! No More Waiting! Get your Loan Approved in 10 Seconds,* 24 Hours a Day, 7 Days a Week! We all spend too much of our valuable time these days just WAITING. It’s no fun – especially when you really need to know the status of a loan you’ve applied for.

 

Now, we’re able to send out members to the front of the line with a loan approval process that takes less than 10 seconds!

 

To apply, anytime, day or night, click on the 10-Second Approval SM Lending Center Icon. You can also call us at 713-681-0339 in Houston, or 800-683-6455 outside of the Houston area.

 

Get your answer in 10 seconds!

 

*Not all loans can be approved in 10 seconds. Under certain circumstances you may have to speak with a loan officer during regular business hours

 

Credit Union Service Centers

Access your Credit Union Account at thousands of locations across the Unites States with the Credit Union Service Center (CUSC) network. As a member of this network, you can access your account at other CUSC branches nationwide. So if you are out of town or even just on the other side of town, you can conduct your financial business where it is convenient for you. Click here for a list of locations near you! (link to cuservicecenter.net.)

 

 

Memberline Newsletter

First Quarter 2005

Second Quarter 2005

Third Quarter 2005

Fourth Quarter 2005

 
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