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Trusts

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Create a big-picture strategy to make the best use of your assets.

With the pressures of day-to-day living, it's easy to focus only on short-term financial needs. But if you really want to leave a lasting legacy, it's a great idea to map out how your money might do the most good over the long haul.

  • Expert advice
  • Personally tailored plans
  • Focus on your priorities
Estate Planning

Take the necessary steps to make sure your money and property ends where you want it.

Estate Settlement

Rest assured, we'll do everything possible to guide your family through this complex process when the time comes.

Trust Administration

We'll see to it that your desire to financially support family members or charitable organizations are carried out exactly as you wish.

Resources & Articles

A little research will help you understand all the long-term options you have as you chart your financial course.

Trust Team

Our team of legal and financial professionals are committed to helping you build and protect your legacy.

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Disclaimer

This information is not designed, meant, nor does it constitute the rendering of legal or tax advice. You should consult with your attorney and/or tax advisor before implementing any strategy discussed here. Trust services provided by MEMBERS Trust Company are not federally insured, are not obligations of or guaranteed by the credit union or any affiliated entity, involve investment risks, including the possible loss of principle. MEMBERS Trust Company is a federal thrift regulated by the Office of the Comptroller or the Currency.

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Get In Touch

Contact

 

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Teachers Credit Union
P.O. Box 1395
South Bend, IN 46624-1395

 

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Member Call Center Hours
M-F 7:00 a.m. to 7:00 p.m. ET
SAT 8:00 a.m. to 1:00 p.m. ET

(800) 552-4745

 

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Book an Appointment

 

Contact

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Teachers Credit Union
P.O. Box 1395
South Bend, IN 46624-1395

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Member Call Center Hours
M-F 7:00 a.m. to 7:00 p.m. ET
SAT 8:00 a.m. to 1:00 p.m. ET

(800) 552-4745

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Book an Appointment

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Teachers Credit Union in Indiana and Michigan offers valuable banking solutions including checking accounts, savings accounts, mortgages, auto loans, home equity loans, HELOCs and much more. Bank online with our mobile app, or visit one of our conveniently located branches in Indiana, southwest Michigan and beyond.

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Under 18? Here's how to open your Student Rewards Checking account.

If you're between the ages of 14 and 17, you and a parent/legal guardian can open your Student Rewards Checking by visiting your nearby TCU branch. Be sure you each bring two forms of valid ID. You can find a list of acceptable IDs here.

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Savings Basics

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Basics on Savings

Developing a savings plan and putting it to work can help you reach your goals
and become financially secure. Here are simple steps to get started:

 

Create a Budget

Developing a budget based on your monthly income, expenses and savings is the first step.

  • Track your income and expenses to establish financial goals by reviewing your most recent monthly statements. Knowing how you spend your money can help you adjust or eliminate non-essential purchases.
  • Use the 50/30/20 budget—spending roughly 50 percent of your after-tax dollars on necessities, no more than 30 percent on “wants,” and at least 20 percent into savings or paying off debts.
  • TCU’s Budget Calculator can help you develop a roadmap to make your hard-earned income work for you.
  • Stick to your budget plan over time to help reduce debt, cut back on impulse purchases and increase savings for emergencies, large expenses and other financial goals.

 

Save Early for Retirement

Even a small, regular contribution toward your retirement has the potential to grow into a large nest egg.

  • Compound interest (earning interest on interest) over time has a tremendous impact on your long-term retirement savings. Automate the process. If your employer offers a 401(k) plan, take advantage of it, along with the pre-tax savings on your earnings.
  • Use a health savings account (HSA) to contribute. You can contribute pre-tax dollars, pay no taxes on earnings, and withdraw the money tax-free now or in retirement to pay for qualified medical expenses.

Build Your Savings

It is important to build up your savings to cover emergencies and to plan for your future. As a general rule, you should maintain enough savings to cover three to six months of your regular expenses.

  • Establish a separate savings account for each of your savings goals—contributing a certain amount each pay period. TCU makes it easy by offering Choice Savings accounts. You can open multiple savings accounts and give them names that represent your financial targets (like emergency, insurance or vacation) making it easy to see when you’re closing in on your goals.
  • Set up automatic transfers from your checking to each savings account each pay period to stay on track.
  • Use TCU’s Round-Up Savings to grow your savings automatically. Every time you make a purchase with your TCU Debit Mastercard®, the purchase amount is rounded up to the nearest dollar and the difference is transferred from your checking to your savings account. You will be surprised how a little change here and there adds up.

Want to know more? Call or visit your local TCU service center or book an appointment when it's convenient for you.

Not Sure?

No problem. Just email us at sbapaycheckprotection@tcunet.com or click the button below and we'll be glad to help.

EMAIL US

TCU Visa Platinum

Card Perks

An extra-low rate* makes TCU Visa Platinum the perfect card if you carry a balance each month or want to transfer a balance from a high-interest credit card. But the perks don't stop there:

✓ 1.99% APR for the first year*

✓ No annual fee

✓ No application fee

✓ Easy cash advances at ATMs

✓ No foreign country transaction fee

✓ Roadside Dispatch®

 

* Annual Percentage Rate (APR) range after introductory period is 7.25% - 17.25% based on your creditworthiness.

TCU Visa Signature Rewards

Every dollar of qualifying purchases earns 1.5 Rewards Points redeemable any time for cash back, merchandise, travel or gift cards. But that's just the beginning:

✓ No annual fee

✓ No application fee

✓ Easy cash advances at ATMs

✓ No foreign country transaction fee

✓ Roadside Dispatch®

✓ Visa Concierge†

✓ Visa Luxury Hotel Collection 

✓ Travel emergency assistance 

✓ Rental Car 

✓ Extended warranty protection 

Compare Cards

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Platinum

An extra-low rate makes TCU Visa Platinum the perfect card if you carry a balance each month or want to transfer a balance from a high-interest credit card.

✓ No annual fee

✓ No application fee

✓ Easy cash advances at ATMs

✓ No foreign country transaction fee

✓ Roadside Dispatch®

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Signature Rewards

With TCU Visa Signature Rewards, every dollar of qualifying purchases earns 1.5 Rewards Points redeemable any time for cash back, merchandise, travel or gift cards.

✓ No annual fee

✓ No application fee

✓ Easy cash advances at ATMs

✓ No foreign country transaction fee

✓ Roadside Dispatch®

✓ Visa Concierge†

✓ Visa Luxury Hotel Collection 

✓ Travel emergency assistance 

✓ Rental Car 

✓ Extended warranty protection 

Are you a member?

Yes, I am.

Great! Click above to get started.

No, not yet.

No problem! Click above and we'll take care of that as you apply for your card.