A savvy start to the New Year
There are many keys to winning when it comes to financial success. One major way is utilizing all of the products and services you have at your...Read the full story
There are many keys to winning when it comes to financial success. One major way is utilizing all of the products and services you have at your disposal through us. Earthmover has several exciting ways to help—not only with smart ideas to build your savings, but also through programs that will save you money on purchases and protect all of your valuable assets for the long-term.
Love My Credit UnionⓇ
Tax season is upon us. As an Earthmover member, you can take advantage of deep discounts on popular tax services, such as H&R BlockⓇ or Intuit’s TurbotaxⓇ through our connection with the Love My Credit UnionⓇ program. You can also save beyond tax time with discounts on phone services from T-MobileⓇ and Spectrum MobileⓇ. Use your Earthmover membership to its fullest!
Earthmover members can also receive significant discounts with TruStage™ Insurance. TruStage™ offers credit union members great savings on products like Auto & Home Insurance, Term Life Coverage and Accidental Death & Dismemberment (AD&D) Plans. Example: You can save up $700 a year* by switching your car insurance. How’s that for savings?
Save to Win
Who wouldn’t be interested in a potential reward just by getting into the habit of regularly putting money away? Our Save to Win CD gives you the chance to build your savings, earn interest and potentially win quarterly prizes up to $5,000 and multiple monthly prizes. For every $25 you put into your account each month, you’ll get an extra chance to win (up to ten chances per month). And even if you don’t win a prize, you’ll still be a winner by increasing your balance. That’s a win/win!
Certificates of Deposit
When you have your savings built up and want to earn some really spectacular interest, Earthmover has two very special offers for you: a 9-month certificate of deposit (CD) with a 4.85% APY** and a 12-month CD with a rate of 4.65 APY**.
If you received a year-end bonus, have an annual budget surplus, are expecting a tax refund, or you just want more from your savings, take a look at this. Our CD specials are safe, secure, promise a guaranteed return, and there’s no temptation to tap into that money while it’s earning you exponentially higher interest. And you don’t need “big” money to get started. You can open a standard Earthmover CD with as little as $1,000, or one of our two CD specials starting with just $5,000.
Apply at any branch office or give us a call to open your CD.
With every move, a step forward!
* Average savings based on a countrywide survey of new customers who reported saving when they switched to Liberty Mutual between 10/2021 and 09/2022. Savings may vary.
** APY = Annual Percentage Yield. Credit union membership is required. Rates are subject to change. Funds are insured up to $250,000 per account by ASI (American Share Insurance), the nation’s largest private deposit insurer. This institution is not federally insured. This is a limited-time offer and may be withdrawn at any time. There is a penalty for early withdrawal. Fees could reduce earnings on the account. Minimum deposit is $5,000. All of these accounts are based on monthly compounding of interest and monthly crediting of interest.Close full story
Tackling financial resolutions
Another component of your financial success story is knowledge. With the dawning of another New Year, if you’re like many of us, you probably made a...
Another component of your financial success story is knowledge. With the dawning of another New Year, if you’re like many of us, you probably made a resolution to get out of debt, save more money, develop (and stick to) a budget or some combination of all three. The challenge is having the right financial information to tackle your resolutions confidently and to keep moving forward.
Knowledge is definitely power, and we have plenty to share. Through a partnership with EVERFIⓇ, we’ve put together a list of topics that are the most sought after, in terms of what you need to understand in order to reach your financial goals. These topics are presented in two- to seven-minute videos that are not only educational, but entertaining as well, so you’re not just listening to dry and boring content.
Give yourself the gift of financial knowledge and make 2024 the year you get on the path to or fully achieve your financial resolutions.
Start your successful journey today!
Consolidate and save
Bogged down by high-interest credit cards and other loan balances? Consolidate them into one easy-to-manage loan payment that will help you cut...
Bogged down by high-interest credit cards and other loan balances? Consolidate them into one easy-to-manage loan payment that will help you cut interest expenses. With our Personal Loan you’ll only need to make one monthly payment, versus the multiple payments you may be making now. Plus, the loan has a fixed rate and a fixed term, so you’ll know exactly how much the payment will be and for how long. Once you make that last payment, you’re done—you’ve simplified your life and reduced your debt load more quickly than what you’re doing now.
The best part is that our loan process is completely online—fast, easy and painless. Just think. With just your signature, you have the opportunity to finally wrap up and get rid of all that high-interest debt once and for all.
Earthgivers Charity Corner
There are more than a few unsung heroes in our community. That’s why we’re so passionate about finding and supporting smaller, local, often...
There are more than a few unsung heroes in our community. That’s why we’re so passionate about finding and supporting smaller, local, often struggling non-profits, as well as special causes that help individuals and families. Here’s what we’ve been doing lately:
Earthgivers raised $9,796.50 for local families in 2023! We ended the year raising $2,936.26 for Brynley Shipley hosting a 5 B’s BBQ event & selling chips in the branches. We also fulfilled children’s Christmas wishes by participating in the Salvation Army’s Angel Tree and the Marine Corps Reserve Toys for Tots. Earthgivers would like to thank the support of our members and community. Without your support, helping these deserving families would not be possible. Here’s to a wonderful 2024!
Avoiding tax-related scams
Filing your taxes can be confusing, a fact that scammers try to exploit by promising to make things easier for you. To keep you protected from...
Filing your taxes can be confusing, a fact that scammers try to exploit by promising to make things easier for you. To keep you protected from these swindlers, here are three tax-related scams to watch for this season:
Unethical tax preparers, known as ghost preparers, promise their clients big refunds and often charge a fee based on the amount of that refund, then they don’t sign the returns they put together. These returns are often done incorrectly, so the refund looks bigger.
The IRS warns of a new scam going on now where consumers receive a cardboard envelope from a delivery service. The letter inside, using the IRS masthead, provides fraudulent contact information to receive your unclaimed refund. However, it also seeks a host of personal information, such as a copy of your driver’s license.
If you’re in a situation where you owe the IRS for back taxes (plus resultant interest and penalties), avoid using companies that promise to reduce your liability for pennies on the dollar through the Offer in Compromise (OIC) program. This is a stressful situation, for sure, but these companies are not out to help you. In fact, they typically charge you a fee for their services up front, then do nothing, so you may ultimately end up owing even more in penalties and interest in the long run.
For additional information on tax scams and consumer alerts issued by the IRS, visit their website.
Keep your money safe.
Celebrating our team members
To get an idea of how much experience our team brings to the table for our members, we’d like to celebrate our staff who are celebrating...
To get an idea of how much experience our team brings to the table for our members, we’d like to celebrate our staff who are celebrating significant anniversaries with us this month.
- Jennifer Young, Senior Collections Officer, 20 years
- Cassie Reyes, Call Center Representative, 5 years
Jennifer and Cassie, we’re lucky to have you on our team. Here’s to many more anniversaries with Earthmover!