The Wave | April 2019

Auto, Home, Boats, Credit Cards, and More! Florida Credit Union makes it easy to apply online! Visit flcu.org and click on Apply for a Loan. Choose the loan that suits your needs, fill out the form, and submit it. You’ll hear from a loan officer before the end of the next business day. Your loan is waiting for you—apply today! Apply Online WAVE T HE April/May Calendar Events • April 12 – Annual 2019 HVMF BBQ & Music Festival – Lake City • April 13 – UF Football Orange & Blue Game – Gainesville • April 13 – March for Babies – Gainesville • April 13 – DeLandapalooza Music Festival – DeLand • April 13 –14 – Alachua County Parade of Homes – Gainesville • April 13 –14 – North Florida Home and Garden Show – Gainesville • April 27 – Stop Children’s Cancer Fantasy Event – Gainesville • April 27 – March for Babies – Ocala • May 2 – Wild Game Feast – DeLand • May 6 – “O2B a Kid Again” Education Foundation of Alachua County – Gainesville APRIL 2019 FLOR IDA CREDI T UNION Federally Insured by NCUA Youth Accounts from FCU Managing money is a foundational life skill, that’s why it’s important to give your children a head start on money management and saving! Florida Credit Union is proud to offer a range of options for children and teens, from interest-bearing savings accounts to free personal checking accounts! Teach your kids how to manage their money with accounts that will pay them back in the future! With access to our free online banking service, you can keep track of their balances, spending, and dividends, right from home! Consider implementing these three tips, to ensure your children are on the road to a sound financial future: 1.) Set a goal Create a long-term goal together, like saving for their first car, as well as a short-term goal, like setting aside money for a new phone. Get started by establishing a savings calendar to outline how much money should be saved, and how often, in order to reach their intended target on time. Be sure to set an expected completion date for their goal. This will help them set realistic expectations and to evaluate goals and adjust accordingly! 2.) Bank together Take your kids along when you stop by your local FCU to deposit their savings and allow let them be a part of the process! If your child asks you to withdraw money from their account, take some time to explain what this means to their balance, and their financial goals. When it comes to your teen(s), encourage them to keep a ledger! This allows them to see the results of those debit card transactions that can add up quickly, leaving a dent in their account! 3.) Monitor your child’s activity Always keep an eye on your child’s account. If your child is depositing less than planned, or your teen is exceeding their daily spending allowance, speak to them about money management and impulse purchases. Every financial lesson you teach your child today equips them with knowledge they will use for a lifetime, so help your child get on the right financial path by opening an FCU Youth Account today.

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