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ViaCU is offering assistance to members affected by COVID-19. Some options during the pandemic include: If you need assistance, please call ViaCU at 765.674.6631. 1 By skipping a payment, the maturity date of the loan will be extended. Interest will continue to accrue on the unpaid balance(s) during the month the payment is skipped. All other terms of the original loan agreement are unchanged and remain in effect. This modification will affect Debt Protection and GAP coverage. Monthly payment(s) will resume after the skipped month. The $25 processing fee per loan will be waived, effective 3/18/2020, but is subject to change without notice. ViaSkip Payment is subject to approval. Single payment loans and loans past due more than 30 days are not eligible. 2 Loan amount up to $5,000 is subject to credit underwriting and approval. Excludes existing ViaCU loans.
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When refinancing your auto or motorcycle loan from another financial institution to ViaCU, you can enjoy no payments for up to 90 days and 1% cash back*! That means, if your loan is $25,000, you will walk away with $250 in your pocket!
A few features of a ViaLoan include: - Automatic payments - Never forget a payment again with automatic payments.
- Easy terms and low rates - Lower your current monthly payment, rate or loan length.
- No application or pre-payment fee - None, nada, zilch
Apply online or by calling 765.674.6631.
*Approval is subject to underwriting guidelines. Offer valid on auto and motorcycle loans refinanced from another financial institution. Excludes existing ViaCU loans. Minimum loan amount is $1,000. Cash back is based on up to 1% of actual loan amount. Cash back will be deposited into Membership Shares account the same day the loan is funded. No other offers/discounts apply, including rate discounts. Those participating in this offer may receive Form 1099-MISC at year-end for tax purposes. Offer is subject to change at any time without notice.
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You can now electronically sign loan* documents anytime, anywhere from your smart phone, tablet or computer. Here’s how it works: - Upon approval of application, loan documents will be emailed to all borrowers.
- Accept terms and sign the documents electronically.
- Once all borrowers sign, you'll receive a confirmation email.
Applying for a loan is quick and easy.
*Auto and personal loans are only available for eSign at this time.
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Ensure your toys are insured
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As warm weather approaches and you pull the ATV, boat or mo-ped out of the garage, give your agent a call and make sure you are insured! Once you leave the driveway/property line, you become uninsured.
Have a great Spring and be safe! ViaInsurance Agency has policies for all of your recreational toys.
Request a free, no obligation quote online or call Beth Combs at 765.733.9058 to talk peace of mind.
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Do Target-Date Funds Hit the Bull's-Eye for you?
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More than half of 401(k) participants have assets invested in target-date funds.1 These "all-in-one" funds are often the default option in workplace plans, and their apparent simplicity appeals to many investors. But target-date funds are not as simple as they appear to be. Like all investment strategies, they have strengths and weaknesses.
Focused on time
Target-date funds offer a professionally managed mix of assets (typically a combination of other funds containing stocks, bonds, and cash alternatives) selected for a specific time horizon. The target date, usually included in the fund's name, is the approximate date when an investor would begin to withdraw money for retirement (or another purpose, such as paying for college). An investor expecting to retire in 2045, for example, might choose a 2045 fund. As the target date approaches, the fund typically shifts toward a more conservative asset allocation to help conserve the value it may have accumulated and potentially provide income.
One size may not fit all
Target-date funds utilize basic asset allocation principles that are often used to construct more complex portfolios, but the allocation is based solely on the target date and does not take into account the investor's risk tolerance, personal goals, asset levels, sources of income, or any other factors that make an investor unique. An investor with $200,000 in a target-date fund has the same asset allocation as an investor with $20,000 in the fund. An investor who also has a pension and might be comfortable taking more risk with 401(k) investments is placed in the same risk category as an investor who will depend primarily on savings in the 401(k) account.
Considering this one-size-fits-all approach, target-date funds may be more appropriate for novice investors with relatively low assets or those who simply prefer a set-and-forget option in their 401(k) accounts. If you keep assets in a target-date account, it's important to learn more about the specific fund and how it operates.
Glide to or beyond retirement
The transition from more aggressive to more conservative investment allocations is driven by a formula called the glide path, which determines how the asset mix will change over time. The glide path may end at the target date or continue to shift assets beyond the target date, taking the fund into your retirement years.
Funds with the same target date may vary not only in their glide path but also in the underlying asset allocation, investment holdings, turnover rate, fees, and fund performance. Be sure you understand the asset mix of your fund and how it changes over time.
Asset allocation is a widely accepted method to help manage investment risk. It does not guarantee a profit or protect against investment loss, and there is no guarantee that you will be prepared for retirement on the target date or that the fund will meet its stated goals. Keep in mind that investing in other securities outside of a target-date fund may change your overall asset allocation.
The principal value of a target-date fund is not guaranteed before, on, or after the target date. The return and principal value of all mutual funds fluctuate with changes in market conditions. Shares, when sold, may be worth more or less than their original cost.
Mutual funds are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.
Heath Slain, Financial Advisor*, can help you plan for the future. Schedule an appointment to discuss your financial plans by calling 765.662.3700.
1 Investment Company Institute, 2019
*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. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.
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ViaCU donated over $5,000 worth of items to School Nurse's
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Each year staff and members make donations to the Nurse’s Aid program through Jeans Days. This year, Via Credit Union was able to provide area school nurses with over $5,000 worth of items such as lice shampoo, clothing and personal hygiene items! ViaCU would also like to thank an anonymous member for donating several homemade hats and gloves.
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84th Annual Meeting Update
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Due the social gathering restrictions to prevent the spread of the coronavirus (COVID-19), the format of the 84th Annual Meeting has changed.
The annual meeting will consist of a business meeting only. The meeting will be held at the South Marion Branch on Saturday, April 25, 2020 at Noon. We will review the highlights from 2019 and look at future plans for ViaCU.
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Providing financial education embodies the movement’s ‘people-helping-people’ philosophy. The theme for this year’s Youth Month is “Money Magic. Share, Spend and Save at Your Credit Union”. Together, we’re encouraging our youngest members to learn common financial concepts kids should understand: - Saving
- Spending
- Charitable giving
- Investing
- Budgeting
ViaCU offers programs and services designed specifically to teach children to save at a young age, such as:
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Please encourage the children in your life to save during Youth Month!
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During Youth Month, members under 18 who make a deposit will be entered into the National Youth Savings Challenge1 for a chance to win $100!
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1 The National Youth Saving Challenge is FREE and open to all youth under 18 who visit a participating credit union during April. While youth are encouraged to make a deposit at the credit union, no deposit is required to enter. Parents/guardians giving permission for their youth to enter can submit on a 3" x 5" piece of paper with the following information to the credit union: Name, Date and Current age. Limit one entry per person. Odds of winning depend on number of entrants. This contest is void where prohibited. In May, the Credit Union National Association (CUNA) will randomly select and give a $1,000 grand prize to a participating credit union. That credit union will then randomly select 10 winners from its entrants. Your credit union will notify you if you are a winner.
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As of March 25, ViaCU branch lobbies are temporarily closed, but drive-up services remain open.
To ensure the health and well-being of our staff and members, the only services available by appointment in our lobbies is access to safe deposit boxes.
In an effort to keep everyone safe and healthy, please do not visit the drive-up if you are sick or have been exposed to those who are sick. We appreciate your patience and understanding during this pandemic. The chart below will assist you in accessing your account, but we also encourage you to take advantage of our ViaOnline services that provide 24/7 access to your account.
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Accessing your account
ViaCU encourages you to take advantage of our ViaOnline services that provide 24/7 access to your account. - ViaConnect, ViaMobile and ViaVoice allow you to view balances and transactions, make loan payments, transfer money and more. ViaMobile even allows you to deposit checks with Mobile Deposit and apply for a loan.
- ATM locations: ViaCU is part of the Alliance One network that provides hundreds of surcharge-free ATMs nationwide. In addition, ViaCU has temporarily increased the daily ATM withdrawal limit from $300 to $500.
- eSign Documents: You can now electronically sign loan and other documents from anywhere with your smart phone, tablet or computer.
- The ViaCU Contact Center is available by email, secure message in ViaConnect or by calling 877.673.3284 during business hours.
Please refer to our website for the latest updates.
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