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Valiant Checking

Coming soon in 2018! We are proud to announce that in 2018 we will start offering Valiant Checking to our younger members ages 13-17. There's no-minimum balance required, and these accounts are covered by free overdraft protection from savings. Each member receives one free box of 50 checks and will be able to easily manage this account via mobile devices.

(Valiant Checking requires joint ownership of the account with a parent or guardian over the age of 18.)

Important Account Safety Reminder

Attention Members:

In order to help us better serve you and to ensure the safety of your account in the upcoming new year, please remember to keep all of your contact information up-to-date. This includes the following:

  • Email address
  • Phone numbers
  • Physical address

Updating this information regularly is a great way to keep your account as safe & secure as possible!

Crossroad with two signs: High rates ahead and the Guardians logo. Across the bottom, icons for: Bumper-2-Bumper Extended Warranty, GAP Insurance, Auto Buying Services, Terms up to 84 months.

Get in the Right Lane for Heroic Auto Services

Turn to the right choice, Guardians CU, when you buy or refi your next vehicle. We offer a straight route to lower rates, better service, and more flexible terms. Drive home a great deal today!

  • Bumper-2-Bumper Extended Warranty
  • GAP Insurance
  • Auto Buying Services
  • Terms of 84 months

Let our Auto Service League save you from paying too much for your auto loan.

iPhone screen with Guardians Mobile Banking logo

Mobile Banking

Never worry about running out of time to get to a branch. The Guardians Mobile Banking app offers convenient banking right from your phone, including making transfers and obtaining instant balances.

Keep an eye out for the Guardians Mobile Banking app, available in the App Store and in the Google Play Store. As your financial institution, we're encouraging you to go far, and we're promising to be with you every step of the way. Guardians Credit Union, On Duty for You.

Could Assumptions Harm Your Retirement Plan?

Two common misconceptions to think about, provided by Jack Ramsay.

#1) Assuming retirement will last 10–15 years.

Historically, retirement has lasted about 10–15 years for most Americans. The key word here is "historically". When Social Security was created in 1933, the average American could anticipate living to age 58 as a man or 62 as a woman. By 2014, reports indicated life expectancy for the average American had increased to 78.8.1,2

So assuming you'll only need 10 or 15 years worth of retirement money could be a big mistake.

In 2014, the Centers for Disease Control and Prevention's National Center for Health Statistics said that the average 65-year-old American male can expect to live to nearly 83. The average 65-year-old American female has an average life expectancy of 85.5.2

#2) Assuming too little risk.

Holding onto your retirement money is certainly important; so is your retirement income and quality of life. Over the last few decades, we have had moderate inflation (and sometimes worse, think 1980). What happens is that over time, even 3–4% inflation gradually saps your purchasing power. Your dollar buys less and less. If your income doesn't keep up with inflation — essentially, you end up living on yesterday's money.

As you retire, you may assume that an extremely conservative approach to investing is mandatory. But given how long we may live — and how long retirement may last — growth investing may be important.

Jack Ramsay may be reached at
561-686-4006, ext. 1120 or
jack.ramsay@cunamutual.com

1 www.ssa.gov/history/lifeexpect.html [1/28/14]

2 www.usatoday.com/story/news/nation/2014/10/08/us-life-expectancy-hits-record-high/16874039/ [10/9/14]

This material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information should not be construed as investment, tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. Please consult your Financial Advisor for further information. www.petermontoya.com, www.montoyaregistry.com, www.marketinglibrary.net