Developing Credit Union Marketing Ideas

Credit Unions are regarded as co-operative financial institutions that are owned and controlled by its members, and although it provides similar services like a bank, it is regarded more as a not-for-profit institution, which gives it its distinctive difference, and, because of the changes in today’s world, there needs to be beneficial Marketing ideas in place.

So no matter where you are in the world, there is sure to be a nearby. And like most banking institutions in today’s world, more people are preferring to do their banking online with internet banking. In this way they have more control over their money and it also cuts down on fee costs. A good marketing strategy for would be to become more internet user friendly, and computer literate.

Credit Unions need to start looking to marketing their institution online, and the more internet friendly they become, the more chance they will have at surviving in this cut throat world of financial dependence. So, approaching and promoting to the younger generations whom are already computer literate and spend hours online anyway, will also be beneficial to the Credit Union keeping its doors open through increased membership.

Implementing good strategies and setting up online banking helps the Credit Union succeed in the financial industry and will cut down on fees, as well as developing a good working relationship with the younger generation.

Thus a proper Credit Union Marketing is the key to success which can only be attained by proper planning. One must remember that people would trust those who are good to them so one must try to lend a patient ear to everyone.

People act very sensitive when they are to make a financial transaction and it is quite hard to impress them with anything. Thus a proper Credit Union Marketing is required to make things easier for them. The marketing ideas can only work if there’s a proper bond between the client and the adviser or the banker.

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7 Advantages to Using Credit Unions

There are many amazing benefits to being a member of the Navy Federal Credit Union.

The Navy Federal Credit Union, which has over 2.5 million members, is regulated by the largest credit union in United States – the NCUA (National Credit Union Administration). It has been helping many men and women for over 70 years.

The membership of the Navy Federal Credit Union is limited to all Navy personnel including active duty marine and navy, reservists, civilian employees, retired or annuitant. The Union also caters to contractors assigned to U.S. government sites, all civilian and military members of the U.S. government, as well as the family members of the members.

The Navy Federal Credit Union offers a variety of services to its members, including checking amounts, loans, share savings and consumer credit cards. The Navy Federal Credit Union boasts one of the most extensive online services in the financing industry.

Focusing primarily on its members’ interest and needs, the Navy Federal Credit Union could benefit you in many ways.

1) Money management options – The Navy Federal Credit Union focuses on money management programs that could support the needs of its members. They offer free checking accounts with a free debit card.

All money management options of the Navy Federal Credit Union come with a free Visa Check Card with worldwide ATM access, free and unlimited access to Navy Federal ATMs, 24/7 online account access via the Navy Federal Credit Union Website, unlimited and free transactions through over 20,000 CO-OP Network ATMs and a variety of options.

2) The Navy Federal Credit Union offers free debit card products – the Navy Federal’s CUCARD® and Visa® Check Card.

a) The Navy Federal Credit Union CUCARD® – Members can use this ATM card at any CO-OP Network and Navy Federal ATMs, without any fees, worldwide. It allows you to make loan transfers and payments via Federal ATMs.

The CUCARD® allows Navy Federal Credit Union members to pay for services and goods on all Interlink merchants in the United States. Members can receive cash-back rewards at various merchants. The CUCARD® has generous daily debit limits of up to $5,000, wherein you can withdraw $400 cash every day at any ATM.

b) Visa® Check Card – Members of the Navy Federal Credit Union can apply for the Visa® Check Card to pay for services and goods at all Visa-accepted stores, online shops or via phone. Members can also use the Visa® Check Card at any CO-OP Network and Navy Federal ATMs worldwide, without fees.

The Visa® Check Card is perfect for Navy Federal Credit Union members who are frequent travelers. This allows members to carry large amounts of money safely, without cash in their wallet. It offers amazing password protection as well as zero liability for fraudulent purchases online, in stores and by phone.

3) Free online account management for Navy Federal members – With 24-hours worldwide access, you can view all your accounts online. You can manage your money from share savings to your checking account.

All members of the Navy Federal Credit Union can make loan payments, order checks, open certificates, apply for various loans, request stop payments, send e-messages and transfer money from other Navy Federal accounts.

4) Low Interest Rates Credit Cards – The Navy Federal Credit Union provides its members with low-rate Visa and MasterCard credit cards, with high credit limits and no cash advance or balance transfer fees.

5) Impressive rates on financial aid – The Navy Federal Credit Union offers its members with competitive loan rates for mortgages, car loans, equity, education and other kinds of loans.

Being a member of the Navy Federal Credit Union can save you hundreds of dollars. With its consumer-friendly offers, the Navy Federal Credit Union truly allows members to maximize money management programs without worrying about extremely high fees and rates.

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7 Advantages to Using Credit Unions

Are you considering an alternative to traditional banking? Check out some advantages to using credit unions. They can offer you the personalized service and financial incentives you’re looking for.

A credit union will often offer better interest rates. Credit cards, mortgages, personal loans, and home equity loans typically come with lower interest. Some unions are even regulated so that the interest rates on loans and credit cannot exceed a certain figure. In the same way, interest returns from savings, checking accounts, and certificates of deposit from unions are generally much higher than those from traditional banks.

They also charge fewer fees. Most do not require a minimum balance and offer their accounts free. In addition, credit unions usually don’t charge ATM fees. If you use your credit card from a non-participating ATM that is out of your network, you’ll have to pay a fee for the ATM itself, but this type of financial institution will not charge you on top of that sum as a normal bank would.

Contrary to popular belief, credit unions often have plenty of branch and ATM locations. Many belong to larger networks, allowing you to access plenty of office and ATM locations in your area.

As a member, you are an owner or stake-holder rather than a customer. Banks are for-profit organizations, so their management often makes decisions that will benefit shareholders rather than customers. Credit unions, on the other hand, are non-profit organizations that function like financial cooperatives instead of financial institutions, and their objective is to share profits with members of the union. This allows them to offer lower fees and rates, and it also removes the pressure for them make money at the expense of their customers. Instead, they are free to make financial decisions that will directly benefit their members.

Your deposits are insured in the same way they would be at a bank. The National Credit Union Administration, a government entity, protects balances up to a certain amount, even if the institution fails. If the institution does fold, the NCUA claims that members will begin receiving payments for their deposits within three days.

They take pride in educating their members about making good financial choices. They will likely offer a wealth of information on a variety of finance-related topics, such as investing, managing credit cards, and preventing identity theft. Because these organizations care about doing good for the community, they often offer free classes and seminars.

They’re easily accessible. If you’ve ever spent hours on the phone with a bank’s automated system, you know how unreachable and impersonal big corporations can be. Small cooperative financial institutions generally offer friendlier, more responsive service.

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Shoe Repairs And Several Other Things When I Was 7

Shoe Repairs And Several Other Things When I Was 7
My Dad repaired most of our shoes believe it or not, I can hardly believe it myself now. With 7 pairs of shoes always needing repairs I think he was quite clever to learn how to “Keep us in shoe Leather” to coin a phrase!

He bought several different sizes of cast iron cobbler’s “lasts”. Last, the old English “Laest” meaning footprint. Lasts were holding devices shaped like a human foot. I have no idea where he would have bought the shoe leather. Only that it was a beautiful creamy, shiny colour and the smell was lovely.

But I do remember our shoes turned upside down on and fitted into these lasts, my Dad cutting the leather around the shape of the shoe, and then hammering nails, into the leather shape. Sometimes we’d feel one or 2 of those nails poking through the insides of our shoes, but our dad always fixed it.

Hiking and Swimming Galas
Dad was a very outdoorsy type, unlike my mother, who was probably too busy indoors. She also enjoyed the peace and quiet when he took us off for the day!

Anyway, he often took us hiking in the mountains where we’d have a picnic of sandwiches and flasks of tea. And more often than not we went by steam train.

We loved poking our heads out of the window until our eyes hurt like mad from a blast of soot blowing back from the engine. But sore, bloodshot eyes never dampened our enthusiasm.

Dad was an avid swimmer and water polo player, and he used to take us to swimming galas, as they were called back then. He often took part in these galas. And again we always travelled by steam train.

Rowing Over To Ireland’s Eye
That’s what we did back then, we had to go by rowboat, the only way to get to Ireland’s eye, which is 15 minutes from mainland Howth. From there we could see Malahide, Lambay Island and Howth Head of course. These days you can take a Round Trip Cruise on a small cruise ship!

But we thoroughly enjoyed rowing and once there we couldn’t wait to climb the rocks, and have a swim. We picnicked and watched the friendly seals doing their thing and showing off.

Not to mention all kinds of birdlife including the Puffin.The Martello Tower was also interesting but a bit dangerous to attempt entering. I’m getting lost in the past as I write, and have to drag myself back to the present.

Fun Outings with The camera Club
Dad was also a very keen amateur photographer, and was a member of a camera Club. There were many Sunday photography outings and along with us came other kids of the members of the club.

And we always had great fun while the adults busied themselves taking photos of everything and anything, it seemed to us. Dad was so serious about his photography that he set up a dark room where he developed and printed his photographs.

All black and white at the time. He and his camera club entered many of their favourites in exhibitions throughout Europe. I’m quite proud to say that many cups and medals were won by Dad. They have been shared amongst all his grandchildren which I find quite special.

He liked taking portraits of us kids too, mostly when we were in a state of untidiness, usually during play. Dad always preferred the natural look of messy hair and clothes in the photos of his children.

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What Are The Greatest Changes In Shopping In Your Lifetime

What are the greatest changes in shopping in your lifetime? So asked my 9 year old grandson.

As I thought of the question the local Green Grocer came to mind. Because that is what the greatest change in shopping in my lifetime is.

That was the first place to start with the question of what are the greatest changes in shopping in your lifetime.

Our local green grocer was the most important change in shopping in my lifetime. Beside him was our butcher, a hairdresser and a chemist.

Looking back, we were well catered for as we had quite a few in our suburb. And yes, the greatest changes in shopping in my lifetime were with the small family owned businesses.

Entertainment While Shopping Has Changed
Buying butter was an entertainment in itself.
My sister and I often had to go to a favourite family grocer close by. We were always polite as we asked for a pound or two of butter and other small items.

Out came a big block of wet butter wrapped in grease-proof paper. Brought from the back of the shop, placed on a huge counter top and included two grooved pates.

That was a big change in our shopping in my lifetime… you don’t come across butter bashing nowadays.

Our old friendly Mr. Mahon with the moustache, would cut a square of butter. Lift it to another piece of greaseproof paper with his pates. On it went to the weighing scales, a bit sliced off or added here and there.

Our old grocer would then bash it with gusto, turning it over and over. Upside down and sideways it went, so that it had grooves from the pates, splashes going everywhere, including our faces.

My sister and I thought this was great fun and it always cracked us up. We loved it, as we loved Mahon’s, on the corner, our very favourite grocery shop.

Grocery Shopping
Further afield, we often had to go to another of my mother’s favourite, not so local, green grocer’s. Mr. McKessie, ( spelt phonetically) would take our list, gather the groceries and put them all in a big cardboard box.

And because we were good customers he always delivered them to our house free of charge. But he wasn’t nearly as much fun as old Mr. Mahon. Even so, he was a nice man.

All Things Fresh
So there were very many common services such as home deliveries like:

• Farm eggs

• Fresh vegetables

• Cow’s milk

• Freshly baked bread

• Coal for our open fires

Delivery Services
A man used to come to our house a couple of times a week with farm fresh eggs.

Another used to come every day with fresh vegetables, although my father loved growing his own.

Our milk, topped with beautiful cream, was delivered to our doorstep every single morning.

Unbelievably, come think of it now, our bread came to us in a huge van driven by our “bread-man” named Jerry who became a family friend.

My parents always invited Jerry and his wife to their parties, and there were many during the summer months. Kids and adults all thoroughly enjoyed these times. Alcohol was never included, my parents were teetotallers. Lemonade was a treat, with home made sandwiches and cakes.

The coal-man was another who delivered bags of coal for our open fires. I can still see his sooty face under his tweed cap but I can’t remember his name. We knew them all by name but most of them escape me now.

Mr. Higgins, a service man from the Hoover Company always came to our house to replace our old vacuum cleaner with an updated model.

Our insurance company even sent a man to collect the weekly premium.

People then only paid for their shopping with cash. This in itself has been a huge change in shopping in my lifetime.

In some department stores there was a system whereby the money from the cash registers was transported in a small cylinder on a moving wire track to the central office.

Some Of The Bigger Changes
Some of the bigger changes in shopping were the opening of supermarkets.

• Supermarkets replaced many individual smaller grocery shops. Cash and bank cheques have given way to credit and key cards.

• Internet shopping… the latest trend, but in many minds, doing more harm, to book shops.

• Not many written shopping lists, because mobile phones have taken over.

On a more optimistic note, I hear that book shops are popular again after a decline.

Personal Service Has Most Definitely Changed
So, no one really has to leave home, to purchase almost anything, technology makes it so easy to do online.
And we have a much bigger range of products now, to choose from, and credit cards have given us the greatest ease of payment.

We have longer shopping hours, and weekend shopping. But we have lost the personal service that we oldies had taken for granted and also appreciated.

Because of their frenetic lifestyles, I have heard people say they find shopping very stressful, that is grocery shopping. I’m sure it is when you have to dash home and cook dinner after a days work. I often think there has to be a better, less stressful way.

My mother had the best of both worlds, in the services she had at her disposal. With a full time job looking after 9 people, 7 children plus her and my dad, she was very lucky. Lucky too that she did not have 2 jobs.

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What We Have Here Is A Failure To Communicate

The results of this past election proved once again that the Democrats had a golden opportunity to capitalize on the failings of the Trump Presidency but, fell short of a nation wide mandate. A mandate to seize the gauntlet of the progressive movement that Senator Sanders through down a little over four years ago. The opportunities were there from the very beginning even before this pandemic struck. In their failing to educate the public of the consequences of continued Congressional gridlock, conservatism, and what National Economic Reform’s Ten Articles of Confederation would do led to the results that are playing out today.. More Congressional gridlock, more conservatism and more suffering of millions of Americans are the direct consequences of the Democrats failure to communicate and educate the public. Educate the public that a progressive agenda is necessary to pull the United States out of this Pandemic, and restore this nations health and vitality.

It was the DNC’s intent in this election to only focus on the Trump Administration. They failed to grasp the urgency of the times. They also failed to communicate with the public about the dire conditions millions have been and still are facing even before the Pandemic. The billions of dollars funneled into campaign coffers should have been used to educate the voting public that creating a unified coalition would bring sweeping reforms that are so desperately needed. The reality of what transpired in a year and a half of political campaigning those billions of dollars only created more animosity and division polarizing one extreme over another.

One can remember back in 1992 Ross Perot used his own funds to go on national TV to educate the public on the dire ramifications of not addressing our national debt. That same approach should have been used during this election cycle. By using the medium of television to communicate and educate the public is the most effective way in communicating and educating the public. Had the Biden campaign and the DNC used their resources in this way the results we ae seeing today would have not created the potential for more gridlock in our government. The opportunity was there to educate the public of safety protocols during the siege of this pandemic and how National Economic Reform’s Ten Articles of Confederation provides the necessary progressive reforms that will propel the United States out of the abyss of debt and restore our economy. Restoring our economy so that every American will have the means and the availability of financial and economic security.

The failure of the Democratic party since 2016 has been recruiting a Presidential Candidate who many felt was questionable and more conservative signals that the results of today has not met with the desired results the Democratic party wanted. Then again? By not fully communicating and not educating the public on the merits of a unified progressive platform has left the United States transfixed in our greatest divides since the Civil War. This writers support of Senator Bernie Sanders is well documented. Since 2015 he has laid the groundwork for progressive reforms. He also has the foundations on which these reforms can deliver the goods as they say. But, what did the DNC do, they purposely went out of their way to engineer a candidate who was more in tune with the status-quo of the DNC. They failed to communicate to the public in educating all of us on the ways our lives would be better served with a progressive agenda that was the benchmark of Senators Sanders Presidential campaign and his Our Revolution movement. And this is way there is still really no progress in creating a less toxic environment in Washington and around the country.

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