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 Fixed Home Equity, 5 year  3.84% APR
 Fixed Home Equity, 7 year  4.34% APR
 Signature  8.89% APR
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President’s Message – February 3rd, 2015

Feeling Financial Stress? You're Not Alone

A new study from Pew Charitable Trusts found that 70 percent of American households struggle with at least one of the following problems: insufficient savings, high debt or expenses greater than or equal to their income.

The January study, “The Precarious State of Family Balance Sheets,” found that 55 percent of American households are “savings-limited,” meaning that they could not financially survive one month on savings if they were to lose a paycheck. The report noted that even if a household were to pull together all its resources – even from accounts that could be costly to access – the typical middle-income household can replace only about four months of lost income.

“Recent public opinion polling found American adults pessimistic and anxious about the economy and their own economic stability,” the report stated, despite the U.S. economy being five years removed from the last recession. “They question whether the American Dream is within reach, and many doubt that their children will fare better than they have.”

Not feeling confident about your savings plan? Contact the Credit Union to help get your savings plan in action. Call 800-410-0501 and select option #3.


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