Fall 2015 Newsletter

News & ResourcesCheck out recent postings under “News & Resources” at www.bridgecu.org.

Recent Articles

• Recipes of the month: “Red, White & Blue Deviled Eggs” “S’mores Ice Cream Pie” “Coconut Milk Chicken Pot Pie”

• 3 Retirement Problems and Solutions That Millennials Face Today.

• Cheaply Chic Tips

• Best Places to Retire Abroad

Pinterest - Most Popular Pin

”8 Tips On How To Not Spend Money”

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Bridge Credit Union goes to the Columbus Clippers

#BridgeCreditUnion #ColumbusClippers. Call for Candidates | Join Bridge’s Board of Directors

One of the many great benefits of your credit union membership is that we have a volunteer Board of Directors that governs the credit union and represents the needs of the membership - you get a voice in your credit union. Annually, our membership elects (3) board members. If you are interested in running as a candidate, please contact us at 800.434.7300.

Visa® Platinum Cashback Credit Card Cashback just for making your everyday purchases.

Our Visa® Platinum Cashback card is perfect if you want a flexible reward and what’s more flexible than cash to spend on anything you want? This low rate credit card pays Royal members 1.25% and non-Royals 0.50% cashback on qualifying purchases. Unlimited cashback rewards are paid monthly, with no limit restrictions or caps.

Not a ConnectMORE Royal member? No problem, call us and we can easily show you how to reach Royal status.

Apply online www.bridgecu.org, by email memberinfo@bridgecu.org or give us a call 800.434.7300.*APR = Annual Percentage Rate. How Your Cashback Rewards Work - Royal members earn 1.25% cash back and non-Royals earn .50% cash back on qualifying purchases. For example, if you are a Royal member and spend $100, you will earn $1.25. The amount you earn at the end of each month is determined on your membership level status at the end of the prior month. Therefore, your cashback rewards can change if your membership level status changes. Your cashback rewards are paid monthly and deposited directly into your primary share account on the last day of the month for that month’s purchases. Qualifying transactions include goods or services purchased with your card, less any credits for charge reversals or other refunds. These do not include cash advances or balance transfers. Further, cashback rewards will not be paid if your loan is 15 days delinquent at the

end of the month.

7.99%VARIABLE RATE AS LOW AS

APR*

2 www.bridgecu.org 800.434.7300

Upcoming Holidays Observed Columbus Day - Monday, October 12, 2015 Veteran’s Day - Wednesday, November 11, 2015 Thanksgiving Day - Thursday, November 26, 2015

Christmas Day - Friday, December 25, 2015 New Year’s Day - Friday, January 1, 2016

Any further closures will be posted on our website www.bridgecu.org. Remember, you can access your accounts 24/7 with our online and mobile banking.

5 Signs You Have a Spending ProblemOne in five Americans spent more than what they earned in the last 12 months, according to a Federal Reserve Board survey released in May. These 5 signs can help you determine if you have a spending problem.

1. You max out your credit cards and pay only the minimum. If you’re maxing out your credit cards and can’t pay off your balances every month, it’s a sign that you’re relying on credit to supplement your income.

2. You pay bills late. About 1 out of 20 people with a credit file are at least 30 days late on a credit card, according to an Urban Institute report. Paying bills late is a sign that you’re overspending.

3. You raid your retirement account. If you borrow from your retirement account, you will have to pay yourself back with interest — which can be lower than the rate of return you would’ve gotten. So really, you’re just shortchanging your retirement savings.

4. You use payday loans. Most people who get payday loans use them to cover everyday expenses, according to a report by The Pew Charitable Trusts. It’s certainly a sign that you’re overspending. These loans come with high annual interest rates — Annual Percentage Rates of 391% to 521%.

5. You borrow from friends and family. If you have to turn to friends and family for money, it’s a sign that you’re overspending. Being unable to pay back the loan can lead to tension and can ruin your relationships.

How to Stop the Overspending Habit. Rest assured — there are different ways that you can get your spending under control.

1. Create a budget. Take a close look at what you’re spending money on and look for ways to cut back.

2. Rely on cash. By living on a cash- or debit-only budget, you can curb the impulse to overspend.

3. Get help. If you’re buried in debt and can’t curb your spending, your best option might be to get professional help. Bridge partners with Trinity Debt Management. Trinity provides counseling and debt management services for individuals and families who are experiencing debt problems. You can reach Trinity by calling 800-758-3844.

We’re Making Miracles on International Credit

Union Day, Oct. 15

This International Credit Union Day we are celebrating the credit union difference by making a difference in our local community. We invite you to Shop for Miracles with your Bridge credit or debit card on October 15. Each time you use your card that day, we’ll donate $0.25 to Nationwide Children’s Hospital, our local Children’s Miracle Network Hospital.

Together we can make miracles for local kids!

Members have saved over $1 billion with Love My Credit Union Rewards.

LOVE MYCREDIT UNIONREWARDS

Start saving today at LoveMyCreditUnion.org

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