Financial Tips for the New Year

Enroll yourself in Spare Change to automatically round up your debit card purchases into a special savings where you'll earn 6.00% APY.*  Spare Change is an effortless and affordable way to start saving money.

Members that actively use their debit cards can easily accumulate $100+ in Spare Change during 2024.

How to Enroll:

Any Adventure member with a checking account and active debit card is eligible to enroll in our free Spare Change program. The enrollment process can easily be completed through our Online Banking Site or Mobile Banking App.

How to Enroll:
1. Log in to our Online Banking Site or Mobile Banking App

2. Select "Settings" from the menu.  Then select "Accounts."  Finally, select "Spare Change."

3. On the Spare Change page, toggle the switch to opt in to the transaction round up program.

4. Select the checking account from which debit card transactions will be rounded up.  Lastly, select the destination account to receive your deposits.  Click "Save."

That's it!  You are now enrolled in our Spare Change program.  If you need to pause your transaction round up, you can do so at any time by toggling the switch to "opt out."  If you need to access your Spare Change funds, you can transfer them to another account using digital banking.

Make saving money fun and rewarding with our Save to Win program.  

The Save to Win Program is our free prize-linked share certificate that rewards members for contributing to their own savings account.

How it Works:

• Just open a 12-month Save to Win share certificate of deposit with at least $25, and you’ll be entered to win monthly and quarterly prizes.
• Each additional deposit of $25 gives you more chances to win!  Members can earn up to 100 drawing entries per month, so the more you save, the more chances you have to win.
• Plus, you'll earn regular interest on your Save to Win account balance; see today's rates

How to Sign Up:

• Save to Win certificate cannot be opened online
• Call or text us at 800.323.2129
• Or visit your local branch to open a Save to Win certificate

Learn how to monitor and improve your credit score with Credit Sense within digital banking.

The Credit Sense tool located within our upgraded digital banking will:

• Help you understand your current credit score
• Give you access to your full credit report
• Show you how you can improve your score
• Provide you with credit monitoring alerts
• Shows you ways to save money on new and existing loans

Credit Sense is totally free for Adventure Credit Union members.

To sign up:

• Log into online banking or mobile banking
• Click on the Credit Score tile; this option is listed under "Account Tools"
• Follow the prompts

Set spending budgets and savings goals with My $ Snapshot financial tracker within digital banking.

Adventure Credit Union's "My $ Snapshot" financial tracker allows you to several things, all securely within digital banking:

• See your complete financial picture by linking all of your online accounts together in one place
• Create and track spending budgets
• Create and track savings goals
• Create and track debt repayment goals
• Get a better understanding of cash flows
• View and track your net worth

Watch the video below to learn more!

Get started by clicking on "Financial Tracker" within our upgraded Online Banking site or Mobile Banking app.

You can learn more about "My $ Snapshot" with our Quick Start Guide.

How to open a Certificate of Deposit Online:

Use this application link and follow the steps below.

Step one: 
Click on the "Certificate Accounts" tab under the Available Products heading.  Click the + symbol next to the CD type you wish to open.  Scroll down and click "Continue" at the bottom of the page.

Step two:

Fill in the required (*) personal information on the “Tell Us About Yourself” page.  Then click the “Continue” button at the bottom of the page.

Step three:
On the “Funding” page – decide how much money you want to deposit in your new CD.  Next, decide how you want to fund your new CD.  If your funds are already on deposit with Adventure Credit Union, choose the “Internal Transfer” option.  If you need to move funds from another financial institution, you have multiple options.

Step four:
Lastly, on the “Review and Submit” page, review the required disclosures, check the boxes to show your consent, then click the “I agree” button.

When you're creating an emergency fund for unforeseen events in Michigan or need an accessible, strong account for extra cash, check out Adventure Credit Union's Money Market Savings Accounts. You'll get better money market account rates than personal savings accounts and easier access than Certificates of Deposits (CDs) provide.

A $5,000 minimum balance will start earning interest, and you can earn a 3.00% Annual Percentage Yield (APY) on balances above $50,000.

Edge Checking functions just like a traditional FREE checking account. The Edge comes with the 4% APY* you earn on balances up to $10,000, by simply meeting monthly requirements.  That means you can earn up to $400/year in dividends.*

If you don't meet the requirements, your Edge Checking functions as you'd expect your free checking would, no fees and easy access. 

Monthly Requirements:

• Set up Direct Deposit of at least $100
• 20 or more posted Debit Card transactions, signature and/or PIN
• Receive eStatements
• Log in to Online or Mobile Banking at least once

Monitoring your progress towards these monthly requirements is easy!  Just consult the Edge Checking Dashboard available within Online Banking and Mobile Banking.  We track everything for you, making it that much easier to earn 4.00% APY* on your Edge Checking account.