The document provides recommendations for different savings products at a credit union to fit a user's needs. It describes savings accounts, money market accounts, club accounts, IRA retirement accounts, e-statements, ATM/debit cards, online and phone banking, and online bill pay. The document prompts the user to select their savings needs and financial goals in order to recommend suitable account types.

1. Product Recommendation Guide Let us suggest savings products to fit your needs! Simply select which answer(s) apply to you and then press either the forward arrow to continue or the back arrow to go back to the previous question

2. Which best describes your savings needs? I would like to start saving but I can not have my money tied up… I am trying to save for retirement and would like to start putting money away I would like to start saving money to make a special purchase or to save up for a special occasion

3. Savings Money Market Must have a savings to become a member, this is your share in the credit union After your initial $25 deposit you are able to open other accounts or begin to use your share savings You can begin to earn interest on any money you are able to save up Savings accounts are eligible to have ATM cards linked to them, easy access to your money on the go Click the next arrow to continue on to more products or the back arrow to return to the last slide Tiered savings accounts with higher interest rates You are able to withdraw from money markets, but you want to stay within your tier to get the best possible interest rate As with all of our accounts, you have access to your balance 24/7 via online banking or phone banking Click the next arrow to continue on to more products or the back arrow to return to the last slide

4. Club Accounts Club accounts earn interest too! Do not require a minimum balance Allow you to put money aside that can be easily accessed in the future, since your money is not tied up We even offer Christmas club accounts, to allow you to save up for the holidays If you have a Christmas club, your money can be transferred into your checking account or sent to you in the form of a check cut out to you during the first week of October Clink next arrow to continue or back arrow to go back

5. Which Applies to You? I like to have access to my money anywhere I would like to know what my balances are, even after credit union hours I would like less hassle when paying my bills I am sick of getting paper bills in the mail all the time

6. IRA’s allow you to invest money, earn interest, and save on taxes for money for retirement. It provides advantages over a traditional share or share certificate HCCU offers three different types: Roth, Traditional, and Coverdell (for education) If you would like more information on the IRA’s we offer, please call or stop in! HCCU also offers traditional share certificates that are not IRA’s if you would prefer! Click the next arrow to continue or the back arrow to go back

7. E-statements No more pesky statements showing up in the mail! No worries about having to shred your info to protect your identity You will be notified by email when your statement is ready to be viewed View up to 18 months worth of previous statements Clink next arrow to go forward or back arrow to go back

8. ATM and Debit cards allow you to withdraw money from any ATM machine (many fee free ATMS can be found on our website!) Debit cards can be used as credit cards for purchases or run as debit to receive cash back after your transaction (must have checking account) Our Visa Debit cards are a safe way to shop, much safer than carrying cash around! ATM cards give you access to your money after credit union hours Visa Debit cards are widely accepted and have the same security as a Visa Credit Card! Apply for an ATM/Debit card today!

9. Online Banking & Phone Banking Green and secure alternative to have access to your balances 24/7 Online banking allows you to set up alerts to let you know when transfers have completed, payments are made, or your balances in certain accounts are low. It’s totally customizable! Online banking allows you to transfer money between accounts and set up recurring transfers! Allows you to reorder checks online and monitor your accounts

10. Online Bill Pay Another totally FREE service! Add payees and set up payments and they are sent out in the mail for you! No more buying stamps and you are notified on your next log in when payments have been processed Very secure service, you can even schedule future payments, so no more worry! Apply online or in person at HCCU

11. Do you… Have kids Need somewhere secure to store items/documents