Save the date!
Annual Members’ Meeting

All credit union members are invited to attend Alcon EFCU’s Annual Meeting and vote for open positions on the Credit Union Board of Directors. You’ll enjoy refreshments, activities and the chance to learn about the credit union’s progress and future goals!

Date: Wednesday March 20th, 2019

Time: 11:30 am to 1:00 pm

Location: Schollmaier Auditorium

We will announce the scholarship winners at the meeting. Mark your calendar now and plan to join us on the 20th!

Members Save Up to $15 on TurboTax, the tax software that has you covered

TurboTax

This year, get your biggest possible tax refund – without leaving your living room. TurboTax, the #1 best-selling tax software, is up to date on the latest tax laws and guarantees 100% accurate calculations, so you can be confident your taxes are done right and get your biggest possible refund. And, as a credit union member you can save up to $15 on TurboTax this tax season. To access the member discount, click on the TurboTax web banner located on our credit union’s website. Start today and save!

  • Searches over 350 deductions. TurboTax finds every deduction and credit you qualify for, so you don’t miss a thing.
  • Get a head start on your taxes. Snap a photo of your W-2 or import it into TurboTax from over 1 million companies. Either way, you’ll save time and get a jump start on your tax return.
  • Expert review of your return. With TurboTax Live, you can have a live CPA or EA by your side to answer questions and review your tax return.

Pick your favorite way to save!

Which way do you want to go? We’re offering you 2 ways to save on your auto loan. Whether you’re refinancing your loan from another lender or applying for new financing, you’re sure to save at the credit union. Check it out!

#1 Bring your auto loan from another lender to Alcon EFCU and we’ll cut your rate by up to 2% APR*!
With an Alcon EFCU Auto Loan, you’ll enjoy:

  • No Payments for 60 days**
  • Financing up to 100% of NADA value
  • No setup fees or pre-payment penalties

#2 Looking to purchase a new car? Alcon EFCU has financing as low as 3.75% APR for new or new-to-you vehicles as well! Plus, when you finance a new car through Alcon EFCU, enjoy No Payments for 90 days***! This offer does not apply to vehicles already financed at other financial institutions.

Subject to credit approval. All credit union loan programs, rates and terms are subject to change at any time without notice. Some restrictions may apply. | *Annual Percentage Rate. Loan rates will not be reduced to less than 3.50% APR. Members must provide documentation acceptable to credit union of their existing rate and term with another lender to qualify for the 2% rate discount. $5,000 minimum loan amount required and maximum loan to value financed within the Alcon EFCU policy and guidelines. Any other loan discounts will not apply. | **No payments for 60 days, interest will accrue on the loan beginning the date of disbursement. | ***No payments for 90 days apply to new auto loans only. Interest will accrue on the loan beginning the date of disbursement. This offer does not apply to vehicles already financed at other financial institutions.

Fund their future!

Let your teenager learn smart money skills to help secure their financial success! Our students accounts offer access to convenient mobile banking, online bill pay and remote capture deposit.

  • Checking accounts with Overdraft Protection*, no monthly service fee or minimum balance and a VISA® debit card
  • Low rate personal loans** to build credit and buy books
  • VISA® credit cards with competitive rates and flexible terms
  • Auto loans** to send them off in a safe and affordable ride

Plus, when you open a Student Savings Account, we will waive the membership fee and make the $5 minimum deposit for you! For details, call the credit union and speak with a Member Service Representative today!

*Free overdraft protection from main savings account is available. Increments of $50.00 will be transferred to cover insufficient funds on your checking account up to a limit of six per statement cycle. If you have other accounts with Alcon EFCU, you may authorize us, in advance, to transfer increments of $50.00 to cover overdrafts up to a limit of six per statement cycle.

**All loans subject to credit approval. Rates and terms based on credit worthiness and underwriting guidelines. See credit union for full details.

For members 16 to 18 years old, a parent or guardian must be the owner of the account.

Tax deadline day is here!

Tax deadline day is right around the corner – Are you ready? If you’ve yet to file your taxes, heed these last-minute survival tips:

  • Make sure you have all your documents collected including your W-2 from your employer, 1099-MISC from any company you worked for as a contractor, 1098 showing any mortgage interest and property taxes paid, 1098-E showing student loan interest paid, 1095 showing health insurance coverage, charitable contribution receipts and more.
  • Once you have your documents, try completing your taxes online. The process can walk you through the forms you need and pinpoint what deductions you’re eligible for.
  • Consider making an IRA contribution. You have up to the filing deadline, and you can deduct the amount of your contribution from your income, so you’ll pay tax on a smaller amount.
  • File today! You could accrue penalties and interest on any money you owe the government past April 15th.
  • If you can’t meet the deadline, request an automatic six-month tax extension from the IRS with Form 4868, but try to pay what you owe to avoid late-payment penalties and interest.

For more information on filing your taxes, visit www.irs.gov.

April is Youth Savings Month – The Future is Yours!

April is Youth Savings month and your credit union wants to help teach your kids financial responsibility so they can own their future. Studies show financial account experience and education at an early age can shape a young person’s habits for a lifetime. Early financial literacy can:

  • Teach financial responsibility – A savings account gives kids some control over their money and encourages them to save rather than spend.
  • Make saving a habit – Teaching kids the 10% rule early, will help them save and put money back even when they have bills to pay.
  • Teach debt management – Debt interest costs the average U.S. household more than $6,000 a year. A savings account can teach kids to save for items they need and will hopefully keep them out of debt when they’re older.
  • Start a conversation – Talk to your kids about the importance of saving and how you’re saving money for retirement, their college, etc.

Youth Savings Month is the perfect time to start teaching the importance of savings. Open your child’s first savings account at the credit union this month and put them on a path to owning their future!

Deposit checks from here, deposit checks from there, deposit checks from anywhere!

Still filling out that check? There is an easier way. Now…no matter where you are or what you’re doing, you can simply snap, tap and securely deposit your check(s) into your credit union account with your smartphone. It’s that easy!

To get started, download our mobile banking app to your mobile device from the App Store® or on Google Play. Then just sign in and follow the prompts.

The long-term career damage from not talking to your kids about money

According to a Chase study, Americans say they owe their financial foundation to their parents. How firm is your child’s financial footing? Learn how financial conversations with your kids can affect their long-term career success from Richard Harris of the Harris Consulting Group.

We’ve gone social!

Don’t forget we are on Facebook and Instagram! Visit our links and follow us to stay up to date on the latest credit union happenings!

Holidays:

Memorial Day – Monday, May 27, 2019
Independence Day – Thursday, July 4, 2019