A Little Here and a Little There … Adds Up to a Lot!
C
an you think of one or two things you bought last month that you didn't need?Most people can admit to the occasional impulse buy. But what if you thought twice about those unnecessary purchases? Instead of paying $20 here and there for something you don't need, pay yourself by putting the $20 into a savings account instead. Saving just $20 each paycheck could add up to more than $500 in a year* – and you probably wouldn't even notice the difference.
Cutting back on unnecessary spending is a great step toward building an emergency fund. Most experts recommend setting aside three to six months' worth of living expenses in case a sudden financial burden arises – loss of a job or car problem, for example. Having money saved can help protect you from taking on debt if the unexpected happens.
We Can Help You Save
Ready to build your emergency fund? American First Credit Union has the tools you need to reach your savings goals – whether you can deposit a little or a lot.
Basic Savings account – Our interest-earning savings account is a great way to start saving for your financial goals with any amount. Sign up for direct deposit or automatic transfers from your checking account.
Money Market account – Your savings will add up quickly with one of these higher-interest-earning accounts.
Certificate Builder – A Direct Deposit Certificate Builder allows you to save regularly using direct deposit, and pays a higher yield than a regular savings account. There is a $10 minimum opening deposit, and automatic deposits must be $10 or more per week. Once you've saved $1,000, your account will convert to a certificate, which pays even higher dividends.
Share Certificates – With a minimum balance of $1,000 and terms ranging from 3-60 months, we have a certificate that's right for your savings plan.
To get started, contact one of our financial experts today at 800/ 290-1112, or visit us online at www.amerfirst.org.
* With biweekly paydays.
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