What's Next Now that You've Said 'Yes'?, Planning for a wedding can be very exciting, but can also be extremely overwhelming. A combination of endless details, deadlines, stress, and a big price tag all come with the preparation in making your Big Day something special. The average cost of a wedding is $26,645, not including the honeymoon, according to costofwedding.com. When it costs more than $1,500 just to put the proper clothing on…, Start Saving for Your Wedding, If you haven't already, start setting aside at least a little each week. Now's the time. Open up a special wedding savings account and set up a direct deposit allocation to go into that fund. It will come directly from your paycheck, and you won't even miss it., Take Out a Wedding Loan or Open a Line of Credit (if necessary), Paying with credit is not recommended, but sometimes necessary. A wedding loan can cut into that debt or cover smaller items like entertainment or flowers. If one or both of you have a decent credit score (generally 661 or higher for VantageScore ® ) , you shouldn't have trouble getting 0 percent promotional APR on a credit card . This will give you a good year or so to pay the balance on your "…
While we’re certainly one-of-a-kind, we didn’t invent the co-op. Financial cooperatives and credit unions have been around since the 1800s, evolving with a shared set of principles that govern and guide like-minded companies around the globe. From our commitment to community, to our unique mission in financial services, to your relationship and role as a member – the Eight Cooperative Principles…, Voluntary and Open Membership, and, Member Economic Participation, . Voluntary and Open Membership “Credit unions are voluntary, not-for-profit financial cooperatives, offering services to people willing to accept the responsibilities and benefits of membership, without gender, social, racial, political, or religious discrimination.” – National Credit Union Foundation The primary principle of cooperatives worldwide, Voluntary and Open Membership proclaims…, membership eligibility, ? We’re glad you asked… As a cooperative, we can’t simply march into another credit union’s territory and compete with their charter. We serve communities that require our services, and our charters are the bylaws that define those communities. Sometimes, the field of membership is defined by territories, like Otsego County , NY or the City of Reading , PA. Other times, it’s defined by employment…, secondary membership, . That means if a person is eligible to become a Visions member, then everyone in that person’s immediate family and household is also eligible to become a member – voluntarily and without discrimination. Member Economic Participation “Members are the owners of their credit union and contribute to its capital. Members, not shareholders, benefit from their credit union’s profits in proportion to…, Members will benefit the most by increasing their participation, . For example, compare our checking accounts :, Flex Checking , Without meeting any minimum balance or prerequisites, members can enjoy a Flex Checking account with a complimentary debit card , a free box of standard checks per year, and no dividends. It’s an excellent checking option with no monthly fees., Flex Checking Plus, By increasing your participation, you could skip the $8 monthly fee* on our Flex Checking Plus and earn dividends on your checking balance, while also getting free money orders and official checks, free wire transfers, unlimited refunds on non-Visions ATMs, and more – and still receive the complimentary debit card ! Flex Checking Plus requires a $1,000 minimum account balance or an aggregate of $…, Explore our cooperative principles:, , Autonomy and Education, , Democracy and Community, Diversity, Equity, and Inclusion, , Cooperation Among Cooperatives, Membership and Participation
