SIU Credit Union Blog

Category: Financial Resources (page 1 of 7)

When You Need an ATM, a Bigger Network is Better

Convenience

When you need convenient ATM access without paying a surcharge, a bigger network is better.  SIU Credit Union is pleased to belong to the CO-OP ATM network, the largest credit union-owned ATM network in the United States. The CO-OP ATM network operates nearly 30,000 surcharge-free ATMs across the country for the benefit of credit union members.  How convenient is that?

Anyone who’s had to wander from place to place searching for an in-network ATM knows the value of more locations. CO-OP ATM network locations are found in credit union branches, supermarkets and 7-Eleven® stores, as well as a multitude of freestanding locations.  Simply put, they’re everywhere. And they are always surcharge-free for SIU Credit Union members.

Choice

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Membership Has Its Rewards

Loyalty has its privileges, and we believe in rewarding our loyal members.

Just for being a SIU Credit Union member, you’re part of our Power Points Rewards program. You earn and accumulate points on all qualifying debit card purchases, adding new services like our Visa Credit Card, or using our free services such as online banking or bill pay.  Points are easily redeemed for gift cards, certificate premiums or even consumer loan discounts! And Power Points don’t expire, so save them up to get what you really want.

ALWAYS SAY CREDIT! Be sure to sign for debit transactions rather than entering a PIN, since only signature-based transactions earn reward points. If prompted for a PIN, but would rather sign for the purchase, simply ask the cashier to run the transaction as credit.

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How to Give Wisely

If you’re going to give, it makes sense to do it intelligently and for the right reasons. Here are four steps to making sure your hard-earned money goes to a cause that reflects your values and will have the most impact.

Step 1: Research the organization asking you for money.

Have you heard of the website Charity Navigator? This site rates charities based on many criteria, like CEO salary, percent of money directly benefiting those in need, and dollars raised per year. Taking these into consideration, Charity Navigator assigns a grade to different organizations. You don’t want to donate your hard-earned money to a charity or non-profit without doing your research first.

Step 2: Think about why you’re donating.

young woman thinking

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The 3 Things You Need to Know Before You Buy a New Car

There are many things to consider before purchasing ANY car, but a NEW car might spark particular questions. There are pros and cons to buying new cars, just as there are pros and cons to buying used cars.

First off, when purchasing any vehicle, ask yourself “Why am I buying this car?” Is it for daily use, will you need a lot of storage space, seating space? Make sure the makes and models you narrow your search down to are practical reflections of how you will use the car.

You may love the look of a larger vehicle, but if you don’t have five children, you might not need that much space and that particular car may not be right for your daily commute and errands.

After you’ve considered the personal aspects of which car to buy, move on to the less subjective parts of the process: Continue reading

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