UPCOMING EVENTS:

Home-Buying SeminarThursday, February 27 6pm-8pm

Shred DaySaturday, April 25, 9am-12pm

Annual MeetingWednesday, April 29

CLOSING DATES:

Martin Luther King Jr. DayMonday, January 20

Presidents’ DayMonday, February 17

EMORY ALLIANCE CREDIT UNION

NEWSLETTER | WINTER | 2020

emoryacu.com

JANUARY 2020

New Year – New Branch

We’re so excited that our newest branch, located in the South Tower of the Emory Student Center, is now open for business. Stop by soon!

Our new branch in the Emory Student Center, next door to Kaldi’s Coffee

Check out our new Coffee Talk where we blog about the latest financial news with tips and guides to help you live your best life. Our most current blog is about the popular 50 30 20

budgeting technique. To learn all about it, grab a cup of coffee and CLICK HERE.

Visit emoryacu.com to get started today!

NMLS #464317 INSURED BY NCUAP

*Annual Percentage Rate. Introductory rate, fixed for the first 12 months. After the 12 month introductory period, the rate will adjust to the standard rate of Wall Street Prime (Index) plus 1% - 4%, based on creditworthiness. Any increase or decrease in the Index will result in an increase or decrease in your applicable rate. Maximum annual interest rate that can apply is 12% or the maximum permit-ted by law, whichever is less. After the introductory period, the annual interest rate will not go below 4% at any time for the remaining term of the loan. Minimum monthly payment is 1% of the outstanding balance or $50.00, whichever is greater. Closing costs waived unless the loan is paid in full and closed within 24 months of closing. $5,000 minimum advance. All loans are subject to credit approval. Promotion available for a limited time and may be withdrawn or modified by EACU at any time without advance notice.

Home Equity Line of Credit

Live your dreams! Let the equity in your home take your dreams to the next level.

Join us at our Annual Meeting

Please join us for lunch and hear about the Credit Union’s financial position and plans for the future.

Come for the meeting and stay for the door prizes. Members who attend will be eligible to enter the drawing for door prizes. Visit emoryacu.com for more details.

b Wednesday, April 29, 2020b Miller-Ward Alumni House –

815 Houston Mill Rd NE, Atlanta, GA 30329b Registration, lunch: 11:30 am

b Meeting: 12:00 – 1:00 pm

Board of Directors Nominations

One very important way in which credit unions differ from other financial service providers is our volunteer board of directors. The board members volunteer their time to set Credit Union policies and provide direction for the management staff.

A nominating committee recommends a slate of Credit Union members to fill open board positions for the upcoming year. Currently, Emory Alliance Credit Union has 11 directors, and has four board positions open for nomination and placement.

*RESTRICTIONS APPLY

Cash Back offer extended through February 1!

Purchase or refinance an auto & receive up to $500 Cash Back.*

Ask Us How!

CLICK HERE TO VIEW THE BOARD NOMINEES’ BIOS

EXTENDED

FOR THE TEENS!

P

Main Office

1237 Clairmont RoadDecatur, GA 30030

Emory Midtown Branch

W.W. Orr Building478 Peachtree Street, NESuite 101AAtlanta, GA 30308

Saint Joseph’s Branch

5671 Peachtree Dunwoody Rd. Suite 150Atlanta, GA 30342

NMLS #464317 INSURED BY NCUA

emoryacu.com404.329.6415

Our M3 Money Club Winter Newsletter is here.Learn how to set a goal to get what you want.

FOR THE KIDS!

OPERATION: MAKE WISHES COME TRUE

OPERATION: MAKE WISHES COME TRUE

For the kids at

Emory Alliance Credit Union

WINTER 2020

(aka, set a goal to

get what y

ou want)

Savette has been hard at work on the SmartWish. It’s a device that converts your wishes into

goals. Most wishes cost money (video games, movie tickets, toys.) But with the SmartWish, you

can afford the things you really want. Here’s how you can turn your wishes into goals:

STEP 1: Write down your goal. Example: A new bike costs $150.

STEP 2: Write down how much money you can save each week.

STEP 3: Divide your goal by your weekly savings.

(This tells you how many weeks it’ll take to save for your goal.)

THE M3 SMARTWISH STRATEGY

Here’s an example of how to achieve your goal:

In this example, you’ll have enough

money to buy a new bike in 15 weeks.GOAL DIVIDED BY

WEEKLY SAVINGS EQUALS# OF WEEKS

$150

$10

15

> > > > > > > >

HINT: IF

YOU WANT

TO REACH Y

OUR GOAL

FASTER,

SAVE MORE

EVERY

WEEK

READ NOW

Our elements of money Winter Newsletter is here.

Published for teen members ofEmory Alliance Credit UnionWINTER 2020

ADMIT THERE’S A PROBLEM If you ignore your money problems, they’re likely to get

worse. Tackle them head-on. If you can’t control your

spending, admit you need to make a change.

ASK FOR HELP It might be tough, but

it’s important to talk to your parents or someone you

trust. They may be able to help you explore your options,

and find a solution.TRY NOT TO STRESS It’s easy

(and understandable) to worry, but panicking can affect

your health. Exercise, spend time with friends, and find

time to have fun.MAKE A PLAN Write down how much you

owe versus how much you have. Then list ideas to pay off

your balance. A part-time job? Extra chores? An advance

on your allowance? Figure out ways to earn extra cash.

FOUR TIPS FOR SOLVING AMONEY CRISIS

1

2

3

4

Don’t forget to contact your CREDIT UNION. They may have someone who can help you get back on track.

The

Issue

If you have money problems, you’re not alone. Even smart

savers sometimes struggle to keep enough cash. So if you lack

the funds to pay for the things you need (like school supplies or

car repairs), try these four tips ASAP:

emoryacy_eTNnl0120_Z.indd 1

12/18/19 5:10 PM

READ NOW

Campus Branch

605 Asbury Circle Emory Student CenterAtlanta, GA 30322

Four easy ways to stop wasting money

David KanneLPL Financial AdvisorLocated at: 1237 Clairmont Rd.Decatur, GA 30030404.486.4307 Office404.329.1291 Faxdavid.kanne@lpl.com

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Emory Alliance Credit Union and Alliance Retirement & Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Alliance Retirement & In-vestment Services, and may also be employees of Emory Alliance Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Emory Alliance Credit Union or Alliance Retirement & Investment Services. Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government Agency | Not Credit Union Guaranteed |

Not Credit Union Deposits or Obligations | May Lose Value1-899148

Welcome!Alliance Retirement and Investment Services is proud to welcome David Kanne as our second LPL Financial Advisor.

“It is an honor to be a part of an organization that works hard every day to support its investors,” said David Kanne. “By educating clients on what one needs from financial advisors, Alliance Retirement & Investment Services helps ensure that advisors, like myself, can continue to offer objective financial advice and help our clients work toward their financial goals.”

“We are very pleased to have David Kanne as a new member,” said Mike Butts, LPL Advisor at Alliance Retirement & Investment Services. “Our advocacy is only as effective as our engaged clients. Conscientious advisors like David bring real-life experience to our efforts. I look forward to working alongside David as we advocate for the hard-working clients we serve.”

The LPL Financial Advisors at Alliance Retirement & Investment Services provide access to a full range of financial services, including retirement and financial planning, individual money management, individual stocks and bonds, mutual funds, annuities and more.

LPL Financial is the nation’s largest independent broker-dealer* and a leader in the retail financial advice market, providing resources, tools and technology that support advisors in their work to enrich their clients’ financial lives.

Mike ButtsLPL Financial AdvisorLocated at: 1237 Clairmont Rd.Decatur, GA 30030404.486.4324 Office404.486.4323 Faxmike.butts@lpl.com

About LPL Financial

LPL Financial (https:/www.lpl.com) is a leader in the retail financial advice market and the nation’s largest independent broker-dealer*. We serve independent financial advisors and financial institutions, providing them with the technology, research, clearing and compliance services, and practice management programs they need to create and grow thriving practices. LPL enables them to provide objective guidance to millions of American families seeking wealth management, retirement planning, financial planning and asset management solutions.

*Based on total revenues, Financial Planning magazine, June 1996-2019