Member Referral Bonus!
We love welcoming new members to our T&I family and your referrals are the best way to continue our growth!
That's why we're rewarding you for referring your friends, family, and co-workers to us! for every new member you refer to T&I Credit Union, you and the new member will each receive $25.00!!!
Here's how it works:
- Request a referral form from any of our tellers in the office or our Marketing Manager Kyle (firstname.lastname@example.org).
- Complete it with both of your names and signatures.
- Have the new member bring it in when they come to open their account and we will deposit the money into both of your accounts!
- If the new member applies online, you must email a photo of the completed form to our Marketing Manager Kyle at email@example.com in order for the current and new member to receive their $25.00.
*There is NO LIMIT on how many members one person can refer for the $25.00 bonus so invite everyone you know to join T&I Credit Union!
*Effective October 1, 2019. Program subject to change and/or cancellation at any time.
T&I Credit Union Holiday Loan
Say bah-humbug to HIGH credit card rates this holiday season
- Rates low as 5.99% APR
- Borrow up to $2,500 for 12-Months
Click To Learn More
*All Loans are subject to credit review and approval. Rates and offers are subject to change without notice. Actual rates may vary based on credit score. Existing T&I loans excluded. Effective 12/31/2022.
Whether you want to take advantage of our $500 Auto Deductible Reimbursement or protect yourself against taking a loss on a totaled car, we have you covered.
- Covers the difference in what the insurance company pays on a totaled car and what is still owed.
- Pays up to $500 deductible for damage done to vehicle (UNLIMITED amount per year) for the first 3-years.
- Applies to ANY vehicle titled and insured in borrowers name.
Call the Claims Administrator at 1-877-296-4892 OR go to www.assuranceplus.com/claims to request a claim form.
*Some Restrictions may apply. Effective 11/1/2018.
Pets are unpredictable. While it’s hard to anticipate accidents and illnesses, we have partnered with Nationwide® help makes it a little easier to be prepared for them. From preventive care visits to significant medical incidents, Nationwide provides protection for pets when they need it most.
The best part is you keep the vet you have because Nationwide® insurance works for all certified veterinarian offices!
Here is just a sample size of what you can expect from Nationwide® Pet insurance:
Whole Pet with Wellness (Comprehensive AND Everyday care)
• A low $250 annual deductible and unlimited annual benefit
• Accidents* and illnesses
• Hereditary & congenital
• Dental diseases
• Behavioral treatments
• Rx therapeutic diets & supplements
• Alternative & holistic treatments
• Wellness exams
• Flea & heartworm prevention
• Blood work
T&I Credit Union members are able to enroll at any time. Also, be sure to mention T&I Credit Union while enrolling to receive a discount on your rate! To enroll or for more information, contact 877-738-7874 or visit PetsNationwide.com
Click Here To Learn More!
*Effective 09/19/2020. Some exclusions may apply.
- Savings account
- Checking account (We will make the $25.00 deposit to up the checking account)
- Debit Card (upon opening a checking account)
- Visa Card (with co-signer or proof of employment)
- $25.00 Staples gift card (Upon opening a checking account and debit card)
Money Saving Tips
Create a Budget
Budgets can assist you in meeting your financial goals by prioritizing your expenses. To start, you create a list comprising how much money you make and how much money you spend. We've partnered with Banzai! to help provide a budget calculator, which can be found by clicking the button below.
Go to Budget Calculator
Here are some useful tips to help you save more!
- Put 10% of every paycheck into a saving account.
- Review your monthly bills and statements for things you don’t recognize and/or need. Believe it or not, it’s common to find mistakes.
- Is your basement, attic or garage filled with items you no longer use? Why not turn those belongings into cash by holding a garage sale? You’ll not only put some extra money in your pocket, you’ll also free up space at home.
How To Create Your Own Standards
Points to remember:
- Remember. You are Unique. Recognize that every person's circumstances are different, and what may be essential to someone else would be a luxury for you.
- Who's going to foot the bill? When making decisions about how to spend your money, you only need to consider your own needs and financial standing. After all, you’re the one who will be paying for it – not your friends.
- You will never have it all. There’s a reason financial experts call the endless pursuit of luxuries the hedonic treadmill. Chasing after a more comfortable lifestyle is futile, never-ending and frustrating.
Give up on the comparisons today for a happier tomorrow.
How To Save For A Down Payment
Points to remember:
- Determine how much house you can afford. Speak to a mortgage broker or stop by your credit union to determine what you can afford in a home.
- Calculate your down payment. While you can put down anywhere to upward of 3.5% of a home’s selling price, most brokers consider 20% to be the magic number.
- Create a savings plan. Once you’ve got the amount you’ll need to save, set up a savings plan that will help you reach this goal. Make sure the numbers are doable and that you’ll be able to meet your monthly savings goal easily.
- Automate your savings. To make the process simpler, set up an automatic monthly transfer to a specialized savings account. If your goal is long-term, you may want to consider opening a certificate or similar account instead of a conventional savings account.
Stop by today and let's get started on purchasing your dream home!