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At White River Credit Union, we help one another. "People helping people" is our motto. We’ve been in your neck of the woods for 60 years, and have a stake in seeing this community and its people prosper.


LATEST NEWS

Rid Yourself of PMI, Take Out a Home Equity Loan

In many markets, housing prices have rebounded since the Great Recession. If you bought your house when prices were low, you may have more equity in your home than you realize.

That equity can be especially beneficial if you pay for PMI (private mortgage insurance) every month.

To get rid of your monthly PMI payment, you need at least 20% equity in your house. The only way that happens–aside from paying that much off–is the value of your home rising, either because the housing market has taken off or you’ve made improvements.

If you suspect your house is worth enough that you have 20% equity you can inform your lender and pay to have an appraisal done. And if you’re already going to pay for an appraisal, you might consider taking out a home equity loan at the same time.

A home equity loan also requires an appraisal that you pay for, so if you have large home projects on the horizon, it makes sense to pay for only one. Even if you’re not quite ready for a home improvement project, you could take out a tax deductible, home equity line of credit (HELOC) and pay interest only on the amount you use.

Plus, getting rid of the PMI payment will free up cash to help you pay back the equity loan. And if it’s for a home improvement project, you’ll be putting equity back into your house–the definition of a win-win.

Step Carefully: Covering Digital Footprint is Key to Web Privacy

The fallout from not understanding Web privacy issues, and not doing anything about digital footprints left on the Web, can be damaging, if not catastrophic.

How do you leave footprints?

You can leave digital footprints virtually everywhere you visit on the Web. Each time you click on an ad, visit a social networking site, enter a credit card number for a purchase, or simply perform a search using Google or Yahoo, you are leaving behind information on your wants, needs, interests, and financial lives.

Here’s how to remove your digital footprint:

-Leave your name out of search terms. Don’t search for your name or any of your personal information. If you have to conduct your own name search, do so on a different computer than the one you normally use.

-Ignore your ISP. A lot of people rely on their internet service provider (ISP) to run search engine tasks. Don’t do it because your ISP knows your search history.

-Try “Browzar.” A search engine called Browzar (browzar.com) acts as an online vacuum cleaner that removes Internet caches, histories, cookies, and online autoforms.

Eliminating your Web footprint—and your personal life—online is no luxury, it’s a necessity. The good news is that with a few steps, you can wipe away your digital footprint and scare away online predators in the process.

Local Service. Global Good.

On October 16, 2014, credit unions around the world will celebrate International Credit Union (ICU) Day®. That’s 200+ million people … from 56,000 credit unions … in 101 countries joining together to celebrate their cooperative spirit.

Globally, this cooperative spirit has led to life-changing opportunities in the form of small business start-ups, home ownership, and education. In some countries, members encounter their first taste of democratic decision-making through their member-owned credit unions.

This year, credit unions have been present during the most tumultuous moments around the world. Throughout the crisis in Ukraine, credit union volunteers were among the protesters in Kiev and are now attempting to maintain financial stability for their members. With the help of the World Council of Credit Unions, which is supported by credit unions in the U.S., Ukrainian credit unions are working on ways to ensure loans can be made to those who need them, and uphold the confidence of their members.

On the other side of the globe, credit unions in the Philippines are dealing with the devastation left after the recent typhoon. With the help of credit union organizations around the world, they are now rebuilding and renovating affected branches to better fit members’ needs. After such destruction, these Filipino credit unions are helping people get back on their feet. And credit unions worldwide are providing the basis for development while serving local communities, with an unwavering belief in the “people helping people” philosophy upon which we were built.

Locally, as a member of White River Credit Union, you and your financial stability are our top priorities. Globally, you’re part of a much bigger movement—the credit union movement—working towards global good each and every day. That’s definitely something to celebrate!

Celebrate International Credit Union Day: Local Beginnings Bring Global Change

The credit union idea arose centuries ago as people worked under a common effort without thought of profit – they put out fires, harvested crops, and avoided high-priced loans by lending to one another.

In the 1850s, hard times hit Germany, and people turned to each other for help. They removed small savings from under mattresses and made reasonably priced loans to one another, forming the original credit unions. In the 1920s, Edward Filene took cooperative finance to the next level in Boston, as a means of lifting working people out of debt and creating a better life.

On January 17, 1927, the Credit Union League of Massachusetts celebrated the first official credit union holiday. January 17th is the birthday of Benjamin Franklin, America’s “Apostle of Thrift,” who credit union founders believed to symbolize the purpose and spirit of credit unions. During this time, the credit union movement was new and spreading. People involved only began to recognize the celebration’s significance and were unable to devote the time required for sufficient planning. Credit Union Day quietly faded away.

The U.S. Credit Union National Association (CUNA) and CUNA Mutual Insurance Society initiated a new national Credit Union Day celebration in 1948. The third Thursday of October was set aside as the national day of observance. This occasion brought members together to promote the credit union philosophy nationally and reflect upon credit union achievements and history. Members raised funds for the movement and paid homage to loyal supporters and pioneers.

The World Council of Credit Unions (WOCCU), established in 1971, assists credit union movements and supports their development around the world. WOCCU observed the first International Credit Union (ICU) Day more than 30 years ago, and continues to endorse global celebrations. The credit union movement has grown to over 200 million members in 101 countries. Celebrate the credit union difference during this year’s ICU Day–October 16, 2014.

In 1492

In fourteen hundred ninety-two Columbus sailed the ocean blue.

He had three ships and left from Spain; He sailed through sunshine, wind and rain.

He sailed by night; he sailed by day; He used the stars to find his way.

A compass also helped him know How to find the way to go.

Ninety sailors were on board; Some men worked while others snored.

Then the workers went to sleep; And others watched the ocean deep.

Day after day they looked for land; They dreamed of trees and rocks and sand.

October 12 their dream came true, You never saw a happier crew!

“Indians! Indians!” Columbus cried; His heart was filled with joyful pride.

But “India” the land was not; It was the Bahamas, and it was hot.

The Arakawa natives were very nice; They gave the sailors food and spice.

Columbus sailed on to find some gold To bring back home, as he’d been told.

He made the trip again and again, Trading gold to bring to Spain.

The first American? No, not quite. But Columbus was brave, and he was bright

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