February 2020
Dear Member,
Spring break is right around the corner for area schools. Perhaps you’ve been planning a trip and carefully coordinating work and extracurricular schedules for a chance to escape one week of Michigan’s unpredictable weather. From researching potential travel destinations, hotel, gas or airfare prices, to timing and budget considerations, you’ve planned a mini-dream getaway to find some sun and rejuvenate. You have spent countless hours planning for a one week vacation. Now I ask you to consider the longest vacation of your life: retirement . How much time have you spent planning for that? Have you looked at costs and a budget? How will you pay your bills? Are you saving enough? 

Let Andrew Maniaci, CFS Advisor at TBA Investment Services * save you time and assist you in examining your options and decid ing what type of plan may be right for you .

Call 231.946.8794 or email Andrew today to schedule a no-obligation appointment and gain valuable information on financial planning topics that include:
·        Retirement Planning
·        457, 401(k) and 403(b) Rollovers
·        Mutual Funds, Annuities, and Life Insurance
·        Small Business Retirement Plans

Give yourself peace of mind, call or email Andrew today!
Warmly,
Karen Browne
CEO
*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member  FINRA / SIPC ) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. TBA Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.
Join us at our Front Street Branch for a FREE workshop discussing the advantages and differences of all the retirement accounts available to you. From IRA to 401k, we'll go over the ABC's of retirement investing. After reviewing your retirement account options, we'll discuss how the decisions you make today impact your future and how to develop an in-depth retirement plan to track your progress toward your goals.
Refreshments provided.

Earn 5% APY 1 on balances up to $10,000.

Monthly Requirements:
~ Minimum of 25 debit card transactions
~ 4 online or mobile banking logins
~ Deposits totaling $1,000+ through direct deposit or RDC
~ e-Statement enrollment

Didn’t meet the requirements? You won’t be charged any penalty fees from us! You simply will not earn the cash or interest for the month.

1 Annual Percentage Yield. Rate as of 7/1/19, subject to change. Interest not paid on balances over $10,000. No minimum balance or opening deposit required. Some requirements apply, if requirements are not met there are no penalty fees.

The TBACU Invested In Scholarship was launched in 2019 to help fund continued education for students attending college who are committed to volunteerism.
The application deadline is 5 pm Friday, March 6.


This scholarship program was launched in 2015 with the purpose to help fund a student's study of foreign language and culture.
The application deadline is 5 pm, Friday, March 27 .

Phishing, or using email to trick you into sharing passwords or private information, is still a big problem and has led to a number of multi-million dollar security incidents over the recent years. 

Here are a few, easy tips to help recognize phishing and protect your information and accounts.
BRANCH HOURS: M - F, 9 am to 5 pm
SERVICE CENTER CALL HOURS: M - F, 8 am to 6 pm 

Mailing Address: P.O. Box 1049, Traverse City, MI 49685 

P: 231.946.7090 or 1.800.678.0987 
F: 231.932.5050 

Federally insured by NCUA. Equal housing opportunity.