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  March 2017 - 937.390.1800

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Current Specials!
Now is the time to take advantage of our CD special of 1.50% APY for a 25 month certificate and 1.77% APY for a 37 month certificate! To qualify for this special rate you must deposit a minimum of $1,000 in your CD, and you cannot deposit more than $50,000 of funds that are currently on deposit at IH Credit Union. This special is only good through March 31, 2017.

We have also recently raised our Money Market rates. Click here for all current deposit rates.

Donation to the Springfield Soup Kitchen
We are excited to announce that we are donating the old R&M Federal Credit Union building to the Springfield Soup Kitchen.

The R&M Federal Credit Union closed in February of 2016 after a merger with IH Credit Union. The building had housed R&M FCU for about 25 years. We wanted the building to serve a purpose in the community, so the decision was made to donate it to the Springfield Soup Kitchen because of the exemplary work they do. “We are proud to be able to help the Springfield Soup Kitchen in this way, because we believe their mission to help those in need is so important,” said Robb White, CEO of  IH Credit Union.

The Dangers of Refinancing Your Home Too Much
Do the benefits really outweigh the costs?

With current interest rates so low, many people are wondering whether they should refinance their mortgage, and many homeowners who have already refinanced in recent years are wondering whether they …

Should You Buy Travel Insurance for That Big Trip?
Deciding whether you need insurance based on travel destination, length and itinerary

You’ve just booked your vacation and the excitement is settling in. Now it’s time to decide whether you should buy travel insurance for that big trip. Is it worth it?

Will You Need a Part-Time Job When You Retire?
A part-time job during retirement may necessary for some and a choice for others

If you haven’t properly saved for retirement, it will be difficult not to have a part-time job for needed supplemental income. However, there seems to be a growing trend of “want” instead of “need” …

Reasons to Consider a Professional for Investing
Why hiring a CFP or other pro is beneficial

A 2014 study found that investors who used professional help in setting up or managing their accounts had returns 3.32 percentage points higher than those of people who went at it alone, even after …

Direct Subsidized and Direct Unsubsidized Loans for Students
The difference between these two types of student loans

If you or a family member is in the process of applying to schools and seeking information about the various ways to cover tuition and the associated costs, you may have already learned that you can …

Why Online Bill Pay Is Right for You
Taking advantage of the digital age payment method is beneficial for your cash flow

Online bill pay is no longer a question of whether you should or should not do it; there are obvious benefits to making your bill payments online, as long as you are comfortable using this …

Holiday Closings
Good Friday

Friday, April 14th

Saturday, April 15th- West First St office will be closed

Health Benefits of Yoga
Health Benefits of Yoga

Millions of people practice some form of yoga every day and receive many benefits from the exercise, both in body and mind.
What Is a Bullet Journal®?
The method behind the hottest new thing in organization

Being organized can be an arduous task if you do not have the proper tools, and a new organizational approach seeks to be the be-all-end-all tool for those craving more order in their lives.
How to Prevent Mold in Your Home
Eliminate mold in your home by following these helpful hints

A healthy home is the key to a healthy homeowner, and the best way to maintain a healthy environment in your own home is to keep it clean.
The Unsung Benefits of Listening to Music
Listening to music has some amazing benefits

The music we listen to can have some surprising benefits that can affect you both physically and mentally.
DIY Cleaning Products You Need in Your Home
A few solutions for your everyday cleaning needs

If your aim is to save money, keep your home free from potentially harmful products, reduce your impact on the environment or some combination of all three, then you may want to consider using these homemade cleaning products in lieu of store-bought items.
Catch the Luck of the Irish in Chicago All Month Long
What to do, where to stay and where to eat in the Windy City

Though the weather is still a bit chilly, March is a great time to visit Chicago, regardless of whether or not you are looking to partake in the city’s many St. Patrick’s Day celebrations.
Top Convertibles for Spring
Make every drive an enjoyable one

Warmer weather is right around the corner and there’s no better way to take in your surroundings than with a long drive. What can make that drive even better? A convertible, of course. Here are a few of the best.

Published by IH Credit Union
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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.

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