How can we help you during life transitions?

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How can we help you during life transitions?

Can you pinpoint the stage of life you’re at right now? Are you just starting out your adult life and thinking about what career path to take? Or have you just retired and are looking to downsize your home?

People don’t always realize that various life stages mean making some of the most important financial decisions of their lives. It is crucial to make these decisions wisely. But how?

From terms, to interest rates, to investments; it can all seem overwhelming. Lucky for you, Houston Texas Fire Fighters FCU specializes in helping members with almost all life transitions. Plus, at HTFFFCU you aren’t a customer, you are a member of our family and we want to make sure you’re happy with your financial choices. With that being said we’d like to give you a rundown of the different benefits we have that can come in handy next time you have a big decision to make.

You are purchasing a vehicle.

Whether you are purchasing one for yourself or for your teenage son or daughter, buying a vehicle can be a joyous experience. Since HTFFFCU specializes in auto loans, you’re in good hands! We offer a completely free service called Auto Link that lets you to search for your next dream ride. Auto Link is powered by TRUECar and it also allows you to view various stats on just about any car on the market. You can also take virtual test drives, check vehicle history reports and so much more! All of this with just a few clicks. If you’re serious about car research, Auto Link should be your first step.

Once you’ve made up your mind and decided that you need a loan, financing with us couldn’t be easier. Our loan officers are trained to find you the best possible rate and within minutes you can even apply online. To add even more to our speedy service, we now offer Blaze Check (a blank pre-approved check) so when you are ready to make a purchase, you already have your check in hand.

However, this is just the tip of the iceberg; we haven’t even started on extra benefits! By financing your car at HTFFFCU, you can access auto and travel discounts via a free 3-year membership to my EZ Car Care. If you are refinancing your vehicle, you can grab $100 in cash! We also offer competitive pricing on GAP insurance.
If you haven’t exactly found that perfect vehicle, we can suggest a different approach. What if you like to have a new vehicle every three years? Our R.E.D. Program lets you do just that.

Regardless of whether you’re ready to buy or simply check out what’s on the market, we have options for you and we’re ready to discuss them with you.

You have children.

At HTFFFCU even the youngest members of your family can take advantage of our benefits. We offer The Puppy Pak Savings Club for children from birth to age 13. Puppy Pakers, as we call our youngest members, can start saving their own money as soon as you open their accounts. To teach them about money and encourage them to save, we give away toys each time a child meets a savings goal. We also mail a quarterly newsletter known as The Paw Print full of tips and activities. Not to mention we also have an annual Puppy Pak Day and drawing contests. There are so many reasons your child should have their own account!

Are your children a bit older? Don’t worry we didn’t forget about our teen members! For teens we offer Tens and Thousands, a youth workshop that is held periodically during the year. This workshop is for minors from ages 13-18 and the topics may vary. This year’s youth workshops primarily focused on a reality fair where teens were walked through the cost of living on their own. In addition, the credit union also offers special products just for teens, such as the teen debit card, or teen certificate.

You are looking for a place to call home.

Purchasing a home should never give you a migraine. We know that finding your new home can be complicated because there are so many decisions to make! Where to move? How much space do you need? Does the area flood? We can’t answer each and every question about your new home but if we can help with answering the ones about your mortgage, we will! Do you want to move into your new home faster? Give us a call and we can guide you through the process! For more information about our mortgage rates click here.

You or your children want to go to college.

Furthering your education is well worth the investment. However, it can get costly. As you may look around and consider your options for financial assistance, consider taking a look at your credit union.

HTFFFCU has an annual scholarship program where applicants have a chance to earn one of six $1,000 scholarships. Make sure to let us know if you’re interested and we will add you to the mailing list for next year. With the costs of education skyrocketing to all-time high, scholarships are not enough. That’s why we have partnered with Sallie Mae to offer the Smart Option Student Loan. With competitive rates and more than one repayment option, this could be the loan you need.

Remember, when you or your child are looking for that perfect university, give us a call and let us help you get a little closer to that diploma!

You want to start saving for retirement.

While to some retirement may seem like it is hundreds of years away, early preparation is the key to making your future secure. There are many different ways to go about saving or investing your money for retirement and we know that you may have a lot of questions about your specific situation. Check out our Individual Retirement Account (or IRA) which provides a tax deferred or a tax free way to save for your retirement.

Life comes with many different stages and paths that you will take. You cannot always be financially prepared for some things, but here at HTFFFCU we have plenty of tools to get you as prepared as possible for whatever life throws at you. Just contact us and let us know what we can do for you!