Helping you Reach New Savings Heights.
Imagine not caring if this week is payday or not.
Think how wonderful it would be to take a vacation and only use your credit card for convenience, not to finance the trip.
Visualize being able to weather an unexpected setback without using credit.
These rosy scenarios are possible--in time--with a deliberate shift in habits. It requires you to get serious and systematic about saving. Read more about making a savings habit.
We offer a wide variety of savings tools to help your money grow:
Retirement Builder The Retirement Builder is a great way for people of all ages to build up retirement savings without a large initial investment. Here’s how it works:
Automatically deposit money from savings or checking into a Retirement Builder IRA savings account - as little as $5 a month!
When you’ve saved $1,000, we’ll automatically roll your savings into a one-year Roth or Traditional IRA certificate (transfers made monthly).
If you start at age 25, you could save thousands for retirement tax-free! (not intended as tax advice).
Hear from our CFO why she opened a Retirement Builder.
Loan Saver
We know that every penny counts in these economic times. That's why we've created a special Loan Saver program to help you build up your savings while you pay off your Glacier Hills Auto Loan.
You'll earn a special 3% APY to help your savings grow. And when your auto loan is paid off, you'll have a nice savings built up to use however you choose.
Here's how it works. You can save up to 10% of your Glacier Hills auto loan payment amount and have it automatically transferred into a special Loan Saver savings account earning 3% APY*.
For example, if you pay $200 a month for your auto loan, you can have any additional amount from $1 - $20 automatically transferred to a Loan Saver Account earning 3% APY. You loan payment of $200 will stay the same regardless of the amount you choose, and the additional amount would be added to the LoanSaver account.
Once your auto loan is paid off, you can use your savings for a down payment on your next vehicle, or for whatever you choose!
Since the purpose of the savings is to watch it grow, there is an early withdrawal fee if you make a withdrawal from your special Loan Saver account before your loan is paid off. We'll make an exception for car repairs or to purchase a new vehicle.
It's easy to set up Loan Saver, and you can cancel your additional deposit to your automatic savings at any time during your loan with no penalty. Call 262-338-1888 to set up a Loan Saver savings account today.
Save 4U What are you saving for? Your kids' college expenses? A new kitchen? A vacation? Or how about your homeowner's insurance or propane bill that you only pay once a year?
With Save 4U, you can set up additional savings accounts within your membership account and name them whatever you like. You can also set up automatic transfers into each of these savings accounts to help save for - you name it! You can easily move the money from one account to the other as needed. Best of all, you can open and name your accounts instantly with It's Me 247.
Youth Savings Club The Ice Age Club is a special savings account exclusively for kids age 0-12. Kids can learn the value of saving while earing prizes at the credit union. Visit our youth page for activities to help teach your child about money, choose the right youth account and more.
GlacierPeak Money Market Our GlacierPeak money market is like a savings account, but you can earn a higher interest rate by having limited access to your funds. With GlacierPeak, you can access your funds by transferring to your checking account (up to three times per month), ACH or in person. View our current Glacier Peak Money Market rates.
We also offer a college student money market account with a higher money market rate and a $100 minimum balance. Visit GlacierHillsGO.com for details.
Certificate From 3-month to 5-year terms, we've got a CD to fit your needs. Wondering what term CD is best for you? Consider laddering your savings into short and long terms so that you have money maturing at different times. View our current CD rates.
Christmas Club Account
Start saving now for your holiday shopping! The Christmas Club is like a CD, except you can make deposits any time. The Christmas Club is a great alternative to building credit card debt during the holidays. Consider starting with just $5 or $10 automatically deposited into your Christmas Club each pay period.
Dividends pay off October 31st
and get deposited into your savings account just in time to start your shopping. Up to one withdrawal is allowed per year from your club account. View the current Christmas Club rate.
Vacation Club Account
The Vacation Club is a special savings account to help you save for that trip you’ve always wanted to take. The Vacation Club is like a CD, except you can make deposits any time. Dividends pay off May 31st and get deposited into your savings account just in time to pack your suitcases. View the current Vacation Club rate.
Traditional and Roth IRAs Even in a fluctuating economy, IRAs are a safe way to build savings for your golden years. You may be able to deduct annual contributions (consult a tax advisor). View the current IRA rate, learn more about IRAs, or visit our online IRA Advisor.
EdVest College Savings
A 529 plan offers features that make it easy to invest now and flexible to use later. Your 529 earnings grow federal tax-deferred and are federal tax-free if used for qualified withdrawals such as tuition, books, and room and board. So your investment adds up over time and can really make a difference. What's more, parents, grandparents, aunts, and uncles can all contribute to a 529 plan and be eligible for the federal and potential state tax advantages it offers. Plus, it has no income limits.
The EdVest college savings plan is Wisconsin's official 529 college savings plan. It has low costs, offers no-load investment portfolios, and provides a wide array of investment options. There is no enrollment fee, and the annual maintenance fee is waived for Wisconsin residents or if you set up a monthly Automatic Investment Plan. Best of all, EdVest offers unique advantages for Wisconsin residents, including:
A deduction from state taxable income for up to $3,000 per eligible student.
State tax-free withdrawals for qualified higher education expenses such as tuition, books, and room and board.
EdVest assets do not impact eligibility for state financial aid.
If you have a loved one who dreams of going to college one day, it's never too early or too late to open a 529 plan.
For more information about Wisconsin's official 529 college savings plan, visit www.EdVest.com/CU. Or call an EdVest Specialist at 1-800-368-1766.
An investor's or a designated beneficiary's home state may offer state tax or other benefits that are only available for investments in that state's qualified tuition program. Please consider this before investing.
EdVest 529 portfolio investments involve risks, including the possible loss of principal. Consult a program description for additional information on risks. There is no guarantee that an account will grow enough to cover higher education expenses.
A program of regular investment cannot assure a profit or protect against a loss in a declining market.
Carefully consider the investment objectives, risks, charges, and expenses of EdVest before investing. For a current Program Description, containing this and other information, call 1-800-368-1766 or visit www.EdVest.com/CU. Read it carefully before investing.
EdVest is a state-sponsored 529 college savings plan administered by the Wisconsin Office of the State Treasurer. Wells Fargo Funds Management, LLC, a wholly owned subsidiary of Wells Fargo & Company, provides investment management and administrative services to the EdVest plan. Shares in the program are distributed by Wells Fargo Funds Distributor, LLC, Member FINRA/SIPC, an affiliate of Wells Fargo & Company. 113347 11-08
NOT FDIC/NCUA INSURED - NO BANK GUARANTEE - MAY LOSE VALUE
The recommended weekly allowance is your child’s age.
For example, an eight-year-old should earn around $8 per week.
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