Your Road to Financial Solutions
eNews                                       April 2017
 IN THIS ISSUE
YOUTH SAVINGS MONTH
In celebration of National Credit Union Youth Month, Progressions Credit Union will be offering the following drawings and contests through Friday, April 28th, 2017*:
  • Drawing to Win 4 Silverwood Theme Park Tickets: Any youth depositing at least $20.00 to a new or existing Youth Account (ages 0-18) will be entered to win! One entry per member, per day, during the drawing period.
  • Jr. Stamper Coloring Contest: We are giving away cash prizes for 1st, 2nd, and 3rd place for Jr. Stamper members ages 1-12.
    • The official coloring page and entry form can be found HERE.
    • Learn more about Jr. Stamper HERE.
  • $1000.00 National Youth Challenge Drawing: Any youth that make a deposit of at least $20.00 is eligible to win!
  • boom! Account Scholarship Contest: boom! Account High School Seniors will be eligible to enter to be awarded one of two $500.00 college scholarships.
    • Learn more about boom! HERE
    • Official Scholarship Application can be found HERE.
***New youth accounts receive a free gift at account opening!***

JOIN ONLINE or visit us today! Our locations and phone numbers can be found HERE.

*Official Contest Rules for all the above can be found HERE or at our branches.

 
HOME LOANS
SEARCH, BUY, SELL AND SAVE!

At Progressions Credit Union, we know that your search for a home starts long before you apply for a loan. Together, along with our home loan partner CU Home Mortgage Solutions, we are able to offer our members a variety of mortgage solutions to fit your needs. Check out our Mortgage Center for all kinds of resources and calculators or contact us and ask to set an appointment with one of our knowledgeable Mortgage Officers.

Whatever your dream of home ownership is, we'll help you get there!

APPLY NOW
SMARTMOBILE
SMARTMOBILE GIVES YOU CONVENIENT ACCESS TO PROGRESSIONS CREDIT UNION IN THE PALM OF YOUR HAND.

Progressions Credit Union's SmartMobile App offers members the ultimate convenience with the following features:
  • Check account balances and transfer funds;
  • Review account history;
  • Pay bills with access to SmartPay including FREE Person to Person payments;
  • Endorse. Snap. Tap. with the SmartDeposit feature. Simply endorse your check, snap a picture, and tap to deposit! Learn more on our F.A.Q. page;
  • Check loan and deposit rates; and
  • Locate Co-Op ATMs and Shared Branches nearest you.
Ready to begin? Simply download the SmartMobile App to your phone or tablet and log in using your SmartLink credentials.
INVESTMENT SERVICES
I THINK IT'S TIME TO START PLANNING FOR RETIREMENT. WHERE DO I BEGIN?
 
Although most of us recognize the importance of sound retirement planning, few of us embrace the nitty-gritty work involved. With thousands of investment possibilities, complex rules governing retirement plans, and so on, most people don't even know where to begin. Here are some suggestions to help you get started.

First, set lifestyle goals for your retirement. At what age do you see yourself retiring, and what would you like to do during retirement? If you hope to retire at age 50 and travel extensively, you'll require more planning than other people. You'll also need to account for basic living expenses, from food to utilities to transportation. Most of these expenses don't disappear when you retire. And don't forget that you may still be paying off your mortgage or funding a child's education well into retirement. Finally, be realistic about how many years of retirement you'll have to fund. With people living longer, your retirement could span 30 years or more. The longer your retirement, the more money you'll need.

Next, project your annual retirement income and see if that income will be enough to meet your expenses. Identify the sources of income you'll have during retirement, and the yearly amount you can expect to receive from each source. Common sources of retirement income include Social Security benefits, pension payments, distributions from retirement plans (e.g., IRAs and 401(k)s), and dividends and interest from investments. If you find that your retirement income will probably meet or exceed your retirement expenses, you're in good shape. If not, you need to take steps to bridge the gap. Consider delaying retirement, saving more money, or taking more investment risk.

This is just a starting point. The further you are from retirement, the harder it is to project your future income and expenses. If you would like to learn more, or schedule an appointment with CFS* Investment Representative Jonna Damiano RICP®, feel free to contact her at 509.323.1323.
*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.
ANNUAL MEETING
Progressions Credit Union's Annual Meeting will be held on Tuesday, April 25th, 2017 at 5:30pm in the lobby of our main branch located at 2919 E Mission Ave, Spokane WA. This is a great opportunity to discuss the future direction of the Credit Union and catch up with staff and other credit union members. The results of the 2017 Board of Directors and Supervisory Committee elections will be announced. There will be door prizes, snacks, beverages, and a free gift for attending.
IT'S A MONEY THING
USE PSYCHOLOGY TO BUILD A BUDGET YOU'LL STICK WITH

Click HERE to learn what building blocks will not only help you organize your finances, but also help you boost your motivation to stay on track.
DIRECT DEPOSIT
RECEIVE $100.00 WHEN YOU SIGN UP FOR DIRECT DEPOSIT!
 
That's right, we will pay you $100.00 to sign up for your new direct deposit of at least $1000.00 a month*.

Instead of picking up your next paycheck and physically taking it to a branch, have your employer deposit it directly into your Progressions Credit Union checking or savings account. It's faster, more convenient, and more secure than manually cashing your paychecks. There is no need to worry about lost or stolen checks, and your payment will reach your account the day the check is issued - even if you are out of town, sick, or unable to make it to a branch.

Here are some of the benefits of Direct Deposit:
  • One less thing to worry about
  • An easier and more convenient way to access your money
  • Direct Deposit is predictable and dependable
To sign up, provide your employer this Direct Deposit Authorization form and start enjoying the freedom and convenience direct deposit provides.

*Direct Deposit $100.00 Cash Coupon and Disclosures HERE.
PICK OF THE LITTER
Progressions Credit Union is excited to be the new sponsor of KREM2's Pick of the Litter segment. We have teamed up with SpokAnimal to help them adopt out more animals. SpokAnimal has partnered with the ASPCA and Wings of Rescue to help find more animals forever homes.

Be sure to check out the Pick of the Litter segment on KREM2 News at Noon every Tuesday!
TURBOTAX
File your taxes the smarter way and save up to $15 on TurboTax!

Progressions Credit Union members can get up to $15 off TurboTax® federal products. TurboTax translates taxes into simple questions about your life, so you don't need tax knowledge - or an appointment - to get your taxes done right. TurboTax SmartLook™ even connects you with an expert live, on-screen so you can get answers when you need them. Start TurboTax today and save!

 
State filing charges apply. Limited time offer for TurboTax 2016. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice.  Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties' trademarks or service marks are the property of their respective owners. Visit https://turbotax.intuit.com/lp/yoy/guarantees.jsp for TurboTax product guarantees and other important information.
HOME BUYERS SEMINAR
We had a great turnout for our FREE Home Buyers Seminar on Saturday, March 25th. If you missed out, don't worry as there will be more in the future. If you are looking to buy a home or simply want to make an appointment to discuss how to begin, call us at 509.535.0191/Toll Free 800.828.8691 and ask to speak with a Mortgage Officer. We have real people ready to help you with real solutions.


Progressions Credit Union is an Equal Housing Opportunity Lender. NMLS #784627
MEMBER TESTIMONIALS
PROGRESSIONS CREDIT UNION HAS REAL PEOPLE, NOT ROBOTS, PROVIDING A PERSONAL TOUCH!
 
We take pride in the fact that our staff (not kiosks and automated answering systems) are here to serve you in a more personal way! As a result, we get regular compliments from our membership. Here are just a few comments our members made recently:
  • "Jana went above and beyond."
  • "Absolutely the best banking experience I have ever encountered. Glad to be a member."
  • "Excellent and speedy."
  • "Loretta did an amazing job and I look forward to working with her in the future."
  • "Been a member forever. Service has always been excellent, caring and helpful. I always knew I could call the credit union for honest and caring help."
  • "Whenever I have any questions I usually go to Herb. He has been very helpful and nice."
 HOLIDAY CLOSURES
Monday, May 29
Memorial Day

Tuesday, July 4
Independence Day


Monday, September 4
Labor Day
Monday, October 9
Columbus Day

Thursday, November 23
Thanksgiving Day

Monday, December 25
Christmas Day

 
CONTACT US
PHONE
509.535.0191
800.828.8691


SMARTLINE
509.535.8864
800.27.SMART
 
 
EMAIL
 
MAIN BRANCH
2919 EAST MISSION AVE SPOKANE, WA 99202


NORTH BRANCH
1212 WEST FRANCIS AVE SPOKANE, WA 99205



Progressions Credit Union NMLS #784627

 
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the
United States Government
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