Reach Your 2024 Financial Resolutions with These Tips!

January 2024 Newsletter

Member Since 2015:  Office Manager, Candy C.

Candy C. has been a Clark County resident for almost 14 years and has been a Clark County Credit Union member for 9 years. “I joined because I was looking for my son’s first car and I had been searching for the best rate I could get. CCCU was the one who out beat everyone,” Candy said.

Candy mentioned that she recommends CCCU to everyone she knows!

She said, “As we have hit hard times, I know we all are struggling financially so I know CCCU can assist with better rates than other financial institutes. CCCU has helped me reach my goals by giving me such low rates, that I am able to focus on other financial issues I have. I always dreamed of having a newer car and with CCCU I was able to achieve that, plus I was able to get it with a great interest rate.”

Thank you, Candy, for your continued membership and your ongoing support of CCCU. We are proud to have you as part of Clark County Credit Union!

January 19 is Bonus Dividend Day!

CCCU is thrilled to announce our Bonus Dividend Day is January 19^th!  

CCCU has been giving out the Bonus Dividend* for over two decades. Starting in 2001, and whenever financially feasible, our members have received a cash deposit from the credit union based on their participation and involvement with CCCU.

After review of CCCU’s financial health for 2023, the Board of Directors has announced approval of the Bonus Dividend payment to members in good standing.**

On January 19, 2024, we will announce the total Bonus Dividend amount and you will see the deposit in your membership savings account. You can also stop by any one of our six branches to get a treat from Lighthouse Charities (Frosted Bakery) as part of the celebration. Lighthouse is a local charity that assists refugees with their new lives in Las Vegas. 

If you have received a Bonus Dividend in the past, we want to hear how you have used the Bonus Dividend in the past and how you may plan to spend, save or splurge with this year’s payment?
Share your story with us and you may see it used in our commercials, in this newsletter or on social media. Click here to share why it pays to be a member!

*Bonus Dividend Disclaimer: CCCU shares excess earnings with member/owners in the form of better rates, more free services, and bonus dividends. Bonus dividends, declared by the board of directors, total more than $73 million since 2001 although there is no annual guarantee. To receive the Bonus Dividend, members must be in good standing as of December 31 of the prior year.

**Member in Good Standing: Every member is different; the Bonus Dividend is based on the daily average balance and longevity of your accounts. You must be a member in good standing with an open membership savings account on December 31 of the prior year. A member in good standing means: a) minimum of $50.00 balance in the membership savings account b) no loan delinquency exceeding 30 days past due c) no charge-off balances and d) no foreclosures.

Empower Your Finances with CCCU: Top 4 New Year Financial Resolutions

The New Year is a great opportunity to reevaluate your finances and get on track to achieve long-term financial success. Financial resolutions can empower you to take control of your finances, build wealth and help you accomplish your financial goals and dreams.

Here are four New Year financial resolutions to consider for this year:

1. Set your monthly budget

Instead of just writing down “save money,” create a specific action plan that will encourage you to build healthy financial habits like “put $100 a paycheck into a secondary savings account for emergencies.”

2. Save for your financial goals

It’s never too early (or too late) to start saving for your financial goals. Whether you’re saving for retirement, a down payment on a house or for your child’s education, make sure you’re putting money aside each month.

3. Pay off your debt

A high-interest debt can be an obstacle to achieving your financial goals. This new year, make a plan to pay off your debt as quickly as you can. Most financial institutions offer debt consolidation with lower interest rates and flexible terms that would work for your needs.

For more information about debt consolidation, check out the article “How Does a Debt Consolidation Loan Work?”

4. Invest in yourself

This 2024, challenge yourself to advance at your workplace to help achieve your career goals and increase earning potential.

The road to financial success is not linear. Some obstacles and detours will come along your way but having a plan for your financial resolutions can help you get back on track.

At CCCU, we help our members get closer to their financial goals and dreams by offering free financial products and services that fit your needs. Whether it’s estimating your monthly car payment or calculating your monthly budget we will help you get there. Visit our partner Banzai to access your free financial resources.

A Year of Giving: CCCU Cares

CCCU Cares, the philanthropic group within the credit union, continues to support and create meaningful initiatives that improve the lives of the people in our communities. In 2023, CCCU employees from all departments gave back, logging over 170 volunteer hours in 2023, which is 15% more than the previous year!

Here’s a highlight of just some of the groups CCCU supported in 2023:
Goodie 2 Shoes - 397 students were fitted with new shoes and socks with the help of 15 CCCU employee volunteers.
Clark County Dept of Family Services – we held a Diaper Drive where employees and members donated 2,500 diapers and 2,600 wipes, plus a check of nearly $800 to support Peggy’s Attic.
CCCU’s Smart Start Scholarship was awarded to 10 student members with a $1,000 Scholarship.
Charlotte & Jerry Keller Elementary, C.T. Swell Elementary and Clyde C. Cox Elementary received 5,429 items with CCCU’s back-to-school supply drive.
Ronald McDonald House Charities- 22 employees and their friends/family participated in Runnin’ for the House 5k.
Candlelighters Superhero 5k - Team CCCU raised $2,285 for Candlelighters with 34 registrants!
Three Square Food Bank- 15 CCCU employee volunteers prepped 2,800 produce bags for seniors who are food insecure and CCCU gave a donation that provided 15,000 meals.
Project 150 – 15 CCCU employee volunteers organized the free clothing shop, Betty’s Boutique, in time for back-to-school students. And another 5 employees during the Day of Caring event.
Children’s Miracle Network – donated $2,500 with holiday match, resulting in 15,000 meals donated thanks in part to your online reviews.
Lighthouse Charities – CCCU facilitated a $25,000 grant to help the nonprofit assist refugees in our local community
The Cares Committee plans to continue this tradition of giving into 2024 with more ways for our employees and members to support nonprofits in Clark County!

Donate to Local Charities Through Your CCCU App

Donate directly to charities from your CCCU account, all in one convenient spot. Using your CCCU app or online banking, navigate to Donate to Charity in the menu.

Simply search by nonprofit or look for featured groups that the credit union also supports like Children’s Miracle Network, Nevada Partnership for Homeless Youth or Ronald McDonald House amongst other great charities.

Thank you for your support and for helping us make a difference in our community!  

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