Lifestyle Campaign – Serving Members For Life

Let’s face it – our lives are not planned out for us. Each decision we make can take us down a different path. Everyone is at a different stage in their own journey, and Visions FCU aims to help and guide members through these stages and make each milestone a success. These ideas are the cornerstone of the credit union’s Lifestyles Campaign.

Visions FCU recognizes its role as its members’ financial partner, helping them plan for a successful future. For the important milestones in their lives, Visions FCU accompanies its members every step of the way.

First Stage – Education: During this stage the credit union provides its Moola Moola program to members ages 12 and under. This club features special youth savings programs and events.

For members ages 13 to 17, the credit union offers the Teen Smart program, which includes products and services, such as checking accounts with a debit card and ATM access, and first loans.

Second Stage – Accumulation: For the “young adults” ages 18 to 24, Visions FCU offersthe Smart Start program, which features a checking account, debit/ATM card, student MasterCard® and specialized loans for vehicles or computers.

For the 25- to 34-year-old “career starters,” the credit union offers products, such as business services, IRA planning, life insurance, car and homeowner insurance, mortgage and real estate loans, automated services (e-statements and online bill payment), loan products and a variety of checking accounts with debit cards.

Third Stage – Consolidation and Financial Independence: Products for members in the 35-44 age bracket consist of tax saver and HELOCs, IRAs, loans, seminars (college, retirement, and investment planning), account aggregator – to tie all of their assets together with one simple login, savings bonds, Road America Plan/auto club, life insurance and Credit Union Service Centers. The age group of 45 to 54 is referred to as the “asset building” group. They are most interested in IRAs, term certificates, wealth management, estate planning and trust services, discount brokerage and long-term health care.

Fourth Stage – Wealth Transfer: This group of members falls in the 55-69 age bracket, is looking forward to “enjoying retirement,” and is interested in products to help them do just that. Vacation home financing, wealth and money management services, (including mutual funds, financial counseling, etc.), estate and trust planning, and retirement services are popular with this group.

Members 70+ years of age are defined as being in the “gifting” phase of their life. They are looking at how to manage their money while covering their expenses, as well as estate planning services, which includes irrevocable living trust, special needs trust, gifting strategies, minimization of estate taxes and bill payment services.

Visions FCU often sees children begin their journey with the credit union by joining the Moola Moola Club and attending youth events and parties, then applying for a college education loan, and later coming back for their first home mortgage. This type of experience is what Visions FCU is all about. The credit union continues to provide services that meet member needs throughout the entire lifespan, and is proud to serve as the primary financial institution for its members as they move from milestone to milestone.

Visit Visions Website: www.VisionsFCU.org