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Community Financial is proud to partner with Bentley Elementary in Canton for its thirteenth year in partnership. Fifth grade students help to operate the Student-Run Credit Union and assist student members with money management skills.
Bentley Elementary Student-Run Credit Union fall volunteers
Student volunteers are “hired” in September and work in shifts during the year. Volunteers are taught job-related skills, such as professionalism, organization, and money handling.
During the winter months, cold weather puts extra strain on families, some of whom are forced to choose between paying utilities and putting food on the table. Community Financial remains dedicated to supporting the fight against cold and hunger in Michigan each winter.
Education Partnership Coordinator, Amy Fava, with Kennedy
Elementary's Student-Run Credit Union fall volunteers.
Financial is so grateful for our members and the communities we serve. With the Thanksgiving season upon us, it’s the perfect time of year to practice gratitude and appreciation for what we have around us.
To help spread our gratitude, we are bringing back our #ThankfulThursdays campaign. Every Thursday this November, we will make donations to local food initiatives in Michigan, helping those who help others. In total, we will donate $60,000 to help feed our communities!
Yield: 4 servings
Hands-on prep time: 8 minutes
Cooking time: 25 minutes
Price per serving: $1.85
The Coupons App
Look up deals, coupons, and special online promo codes from over 100,000 retailers on this nifty, free app. You can also find thousands of exclusive deals and offers at local chains and restaurants; sign up for alerts so you can be the first to know when your favorite stores and eateries are holding sale events, and get calendar reminders when your saved coupons are about to expire. Sign up now to find out why millions of happy users have trusted The Coupons App to help them save more since 2008.
The Student-Run Credit Union Program is Back!
Senior Education Partnership Coordinator, Mary Kerwin,
instructs volunteers on cash handling procedures before
Ridge Wood's Student-Run Credit Union Grand Opening.
Community Financial’s award winning Student-Run Credit Union program is back again! Our school partnerships continue to grow every year, and we are now partnered with 52 schools in our neighboring communities. Ridge Wood Elementary in Northville began a partnership with us in 2017. With the added support of Ridge Wood’s staff and students, we are now partnered with all elementary and middle schools within the Northville school district.
This cooperative spirit has led to life-changing opportunities for people all over the world who’ve wanted to start a small business, own a home or continue their education but were denied access to other financial institutions. In many parts of the world, people’s first taste of democracy is through their credit union, where “one member, one vote” is the governing structure.
Here's What's New!
You can now conveniently transfer payments to pay your Community Financial Mortgage from the transfer menu in our mobile app.
But as you’ll quickly discover, overdoing the processed foods will leave you feeling not quite full and not so nutritionally sound, either.
You’re ready for a change. But how can you prepare nutritious meals that don’t cost a bundle or take hours of prep time? Is it even possible?
But, did you know you should be timing your shopping throughout the week as well? That’s because each weekday brings its own deals and specials.
Here’s the ultimate cheat sheet for your weekly shopping!
Earlier this year we opened our 52nd Student-Run Credit Union at Wildwood Elementary! Wildwood is our second Wayne-Westland Community Schools partner and we are so excited to work with all of these wonderful students. Through our program, students at Wildwood will be able to experience financial education presentations, as well as the opportunity to make a deposit into their credit union savings account at the school.
But extracurricular activities are expensive. If you’ve got several school-aged children and each wants to participate in two activities, you can be looking at an investment as high as $10,000 or more for fees, equipment, uniforms, instruments and supplies.
We are thrilled to announce that for the 14th consecutive year, Community Financial Credit Union has been selected as one of “Metro Detroit’s 101 Best and Brightest Companies To Work For™!” This award recognizes companies for their excellence in human resources and practices which create exceptional work environments.
Community Financial leaders get ready
for the annual Meetup event!
This recognition is awarded based on questionnaires completed by the employees of each nominated company. Companies give insight into their workplace environment by providing details on things like: work place communication, work-life balance, employee education, diversity, employee recognition, and retention. Employees then fill out an extensive survey, and winners are selected based on independent research on key measures in those various categories.
Thieves can use credit cards, financial statements, or utility bills to obtain and exploit your personal information. That’s why it’s important to take actions to prevent theft of this kind from happening in the first place. Your first line of defense is to destroy documents containing your personal information before anyone can access it. Private documents and credit/debit cards, which contain sensitive information, should be destroyed as soon as you no longer need them.
Luckily, there are steps you can take to prevent becoming the next victim. Here’s your complete guide to identity theft protection.
You don’t need to spend yourself into debt just because everyone else seems to be doing it. Instead, take a proactive approach when shopping for the new school year and spend much less than the national average. Let Community Financial show you how!
Here are 11 ways to save on back-to-school shopping.
Use the seven steps detailed below to guide you through your checkup.
Community Financial’s 9th annual Summer of Sharing campaign is under way and thousands of dollars have already been donated to local charitable organizations throughout Michigan!
The Lightning Robotics team poses with
Community Financial team members.
Running through August 30th, Community Financial will donate $60,000 to organizations that make your community better. Recipients are chosen based on nominations submitted at SummerofSharing.org, where we ask you to consider, “What GOOD could you do with $1,000?”
As a Community Financial member, you have several choices when it comes to funding a home renovation. And we want to help you find the right one for your specific needs. First, let’s take a look at some of the most common choices and see which may be the best fit for financing your home renovation project.
Get $100 deposited into your account for every new line activated with Sprint, now available on unlimited lines! It’s just one more perk of being a credit union member!
You might think you’ve got a handle on your finances, but it’s likely you’re falling for at least one of these myths. Read on for 7 money myths that might be causing you more financial stress than benefit.
Myth #1: Debit is always better than credit.
If these numbers are scaring you, take a deep breath and relax. You don’t need to go into debt just to attend your friends’ weddings. Just follow these hacks for simple ways to celebrate in style—and within budget.
FIRE isn’t always a realistic goal. There are challenges associated with early retirement that you won’t read about in the accounts of bloggers who have achieved this goal. Also, as you correctly assume, early retirement is not for everyone. Here’s why:
Music in the Air – Bring your lawn chairs and blankets to Plymouth’s Kellogg Park and enjoy the free concerts on Friday nights, May 24 – August 30, at 7 p.m.!
To help you out, we’ve created a list of key features you might want to consider in your new car, as well as a list of features you can skip.
Another Successful School Year Comes to an End…
Field Student-Run Credit Union 2018-2019 volunteers
posing with their certificates of appreciation and
end-of-the-year prize, piggy banks!
Community Financial’s Student-Run Credit Union program has had another amazing school year! Student-Run Credit Union members successfully set money goals, saved for their futures and learned valuable money skills throughout the year.
Our fourth, fifth, and seventh grade student volunteers learned a lot as well, such as job skills, budgeting, and professionalism. Field Elementary students in Canton showed a lot of growth this year in particular. Student members and volunteers were among some of the best savers, workers and goal setters around!
1.) Play with dogs
When you offer your services as a dog-walker or pet-sitter, you can charge as much as $25 an hour, depending on the going rate in your area. Hang flyers to advertise your services or sign up with Rover or Wag!, services that match pet owners with sitters or walkers for a small fee.
This summer, Community Financial will donate $60,000 to nonprofit, educational and community organizations throughout Michigan! That's $1,000 a day every Monday – Friday from June 10, 2019 – August 30, 2019.
The next time they ask you to buy something that’s out of budget, tell them they can earn the money to buy it themselves. As an alternative, suggest that you’ll cover half the cost if they earn the other half. Talk to them about finding a summer job, the work they can do on weekends, or suggest a one-time gig they can initiate.
Edison Elementary Volunteers are Beginning Their Journey to Financial Success!
Edison Elementary’s Student-Run CU
Ribbon-Cutting Ceremony, with Community
Financial’s Westland Branch Manager
Shawn Campion and Education Partnership
Coordinator, Karie Gonczy.
Community Financial has continued to grow our Student-Run Credit Union program since its beginning in 1990. Edison Elementary School in Westland was another added partnership this year! Edison Elementary students, teachers, and staff have jumped at the opportunity of teaching financial education at Edison.
Check out these pics of Edison Elementary’s winter volunteers taking the reins, ready to assist student members and continuing the outstanding service from the fall.
If you’re looking to trim your vacation expenses, read on for 6 ways to save on camping costs.
What makes spring so well-suited for house-hunting? Let’s take a deeper look at the sell-in-the-spring rule so you can make an informed decision about when to put your home on the market.
Create a physical list of every part of your home you plan on attacking. Next, divide the chores according to the amount of time you estimate it will take to clean them. Make smaller sub-lists of 3-hour jobs, 1-hour jobs and 15-minute jobs. Post your lists in a place you’ll often see. This way, when you have spare time, you can find the right big or small job to tackle at a glance.
The only thing standing between you and your dream home is finding piles of cash for funding it, right? Maybe not. Lucky for you, you don’t need to spend a fortune this spring to give your house a new look. Read on for our list of home improvement hacks and learn how to upgrade your home on a budget.
Students at West Middle School in Plymouth are learning budgeting basics! Students in the 7th and 8th grade Life Management Education (LME) course participate in Mad City Money, a reality simulation designed to engage students in making money-smart adult choices.
LME students rotate to different stations to choose their
life essentials (food, clothing, transportation, etc.).
Students begin Mad City Money by choosing a profession with a set salary. After they learn about credit card debt, student loan payments, and setting a monthly budget, they are tasked to choose their transportation, housing, child care, home essentials, food, clothing, etc. The goal is for students to build a monthly budget with $100 left in their checking account. Here are some pictures of West Middle School 7th and 8th grade LME students participating in Mad City Money.
Victims might have their accounts emptied, their identities stolen, or they may even find themselves facing jail time for money laundering charges. Protect yourself from employment scams by holding up any job you’re considering against this list of red flags:
1. You’re carrying a credit card balance from month-to-month
If you have a high credit card balance and you’re paying just the minimum each month, you can end up carrying this balance for years while paying a lot in interest. You might also be tempted to make more purchases on this card since it already has a balance.
But there’s more than just a neat house awaiting you at the end of all that hard work. Here’s how you can spring clean your way to riches – well, almost. You won’t become a millionaire from your junk, but you’ll put some spare cash in your pocket just by taking a few extra steps while clearing out the clutter. And that’s always a good thing!
Fortunately, it’s not that difficult to turn your own patch of grass into a botanical work of art. Have you always wanted to try gardening, but weren't sure where to start? Here’s how to make it happen:
Community Financial believes it’s important for all students to receive financial education. The money management skills students learn through our Student-Run Credit Union program and our financially-based classroom presentations set the tone for a positive financial future.
Education Partnership Coordinator, Amy Fava,
uses the book Arthur’s Pet Business by:
Marc Brown to introduce second grade
to key economic concepts.
Coolidge Elementary School in Livonia partners with Community Financial to jump-start their students’ financial confidence at an early age. Take a look at these awesome students from Coolidge Elementary learning about opportunity costs, goods and services, and what a business plan is with Education Partnership Coordinator, Amy Fava.
Did you know there are simple tricks you can employ to lighten the load? With a carefully applied technique, you can pay off your mortgage, auto loan, credit card debt and any other debt you’re carrying sooner than you thought possible. These tricks are light on your finances, but they can make a big difference to the total interest you’ll pay over the life of the loan and get you debt-free faster.
Starting Monday, March 11th, you can nominate a local organization that's doing great work in your community for a chance to receive a donation up to $10,000! Nominations will be accepted at cfcu.org/thumbsup until Friday, March 29th.
First, be sure to have an inspection contingency included in your contract. A professional home inspection can save you a ton of aggravation and thousands of dollars in the long run. The inspector will carefully examine the entire house, checking its systems, structure and equipment for functionality and potential problems.
In honor of Community Financial’s Wixom branch opening, we asked its new Branch Manager, Alex Hansen, to be our guest blogger. Alex talks about the Wixom team, his excitement for the Grand Opening, and what the new branch will bring to the community.
The Wixom Branch is located at
28607 S. Wixom Rd. and is
Community Financial's 13th location.
About the Branch
The Wixom branch is located at 28607 S. Wixom Road. It is just north of I-96 off exit 159. We are located at the same site of what was the oldest Ford manufacturing plant at the time, the Wixom Assembly plant, which closed in 2007.
At Meads Mill Middle School in Northville, Student-Run Credit Union members often speak to Education Partnership Coordinator, Julie Blaylock, with excitement about the things they are saving their money for. Students mention things like a new phone, video game, vacation, outings with friends, new clothes or a pet. Some students are already saving for a car or college!
Education Partnership Coordinator, Julie Blaylock,
with Meads Mill Student-Run Credit Union
2nd quarter volunteers.
When students come to Meads Mill from elementary school, many of them have already been saving at their elementary Student-Run Credit Unions for several years. These students have established some great savings goals for themselves.
It’s no secret that at Community Financial we love our members! In that same spirit, we’ve compiled a short list of reasons why you should love being a credit union member too.
1.) Practice mindfulness
When your brain is constantly being pulled in multiple directions at the same time, it’s hard to focus on any single task. Defeat this downside of 21st-century life by resolving to do one task a day with complete mindfulness. When brewing your morning coffee, take the time to let the steam warm your skin and inhale the aroma. When tackling a work assignment, power down your electronics and focus on nothing else. Practicing mindfulness on a daily basis will soon turn it into routine.
Right now is the time of year when the blues hit the hardest, so many people turn to their favorite foods, a round of shopping or some other costly means of escape. However, you can get the same results without spending a penny. Let Community Financial show you how to de-stress for less and send that down mood packing! Read on for 7 pick-me-ups that are absolutely free.
Let us walk you through the apartment-hunting process from start to finish, so you can get the keys to your new apartment as soon as possible!
For the responsible adult who thinks about being prepared for the future, savings are a fixed expense that is built into the monthly budget just like car payments and insurance. For most people, though, this habit does not come naturally. Community Financial is helping students in our northern communities develop these savings habits from an early age.
Gaylord Student-Run Credit Union winter volunteers.
In our Northern communities, our school partners include: Gaylord Intermediate School, Lewiston Elementary, Atlanta Community and Hillman Elementary School. Gaylord Intermediate School has been a partner with us since 2004. Here are this winter's 6th grade Student-Run Credit Union volunteers from Gaylord Intermediate School!
Why have a rainy day fund?
Say your washing machine suddenly needs replacing. You’re looking at an extra expense that can run anywhere from $350-$850. Where are you going to get that kind of money?
1. Start a 529 plan
Ideally, a tax-advantaged 529 account is opened for a young child, so the savings can accrue over time. While this is an attractive option for families with younger children, experts say it's still worth opening a 529 account even if your student is already in high school.
P.O. Box 8050
Plymouth, Michigan 48170-8050
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