January 2020
Dear Member,
As the 2010’s come to an end and a new decade approaches, now is a perfect time to evaluate your financial health. What are your goals? Are you on track to retire when you want to? Are you saving enough? Are you taking advantage of the best offers? These five financial resolutions are a great place to start:

  1. Open a checking account that offers rewards. TBA Credit Union is currently featuring the best deal around with our Cash Reward Account. Featuring 5% APY* on balances up to $10,000 if minimal monthly requirements are met, this checking account is a fantastic option.
  2. Turn your spare change into savings with TBACU's Debit Card Round Up Program.
  3. Set aside funds for special occasions with Club Savings Accounts
  4. Choose your credit card carefully. Looing for a credit card that offers incentives? TBACU's VISA Credit Card with Scorecard Rewards allows members to earn one point for every dollar they spend using their TBACU VISA Credit Card.
  5. Revisit your retirement plans. With so many differences, details and decisions to make when considering retirement, where do you start? Andrew Maniaci, CFS Finanical Advisor at TBA Investment Services** can help you examine your options and decide what type of account may be right for you.
Don't wait another decade to take control of your financial future. Questions? Visit tbacu.com for more information, stop by a branch, or call or text the Service Center Team at 231.946.7090.
Warmly,
Karen Browne
CEO
*Annual Percentage Yield. Rate as of 7/1/19, subject to change. Interest not paid on balances over $10,000. No minimum balance or opening deposit required. Some requirements apply, if requirements are not met there are no penalty fees.
**Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA / SIPC ) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. TBA Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

In 2019, our members saved $720,177.26 in loan interest by refinancing their high-rate loans from other institutions to TBACU and taking advantage of our free personal and business checking accounts. Please stop into a branch, visit our website , or call or text our Service Center Team at 231.946.7090 to see if we are able to help you save more money each month!
Life can be wonderful. But it can also get complicated when expected things happen. Protecting your loan payments against death, disability , or involuntary unemployment could help protect your finances. 

Debt Defense with Life Plus adds protection for life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent. Protect your loan balance or loan payments today so your family can worry a little less about tomorrow.

Stop by either branch or contact our Service Center Team at 231.946.7090 or email.
The Student-Run Credit Union Program was created in 2010 and has helped hundreds of student members save over $100,000 by making real money deposits at their school branches. Currently, fifteen schools have programs up and running and we are looking to add more programs! Learn More >
Save the Date! We will be at the Home Builders Association (HBA) Home Expo taking place at the Grand Traverse Resort on January 18 & 19 . TBACU will be there to greet members and answer any questions you may have. We hope to see you there! Visit us in booth #42!
BRANCH HOURS: M - F, 9 am to 5 pm
SERVICE CENTER CALL HOURS: M - F, 8 am to 6 pm 

Mailing Address: P.O. Box 1049, Traverse City, MI 49685 

P: 231.946.7090 or 1.800.678.0987 
F: 231.932.5050 

Federally insured by NCUA. Equal housing opportunity.