Issue link: http://viewer.e-digitaledition.com/i/538444
BANKING MADE EASIER? Chec. Preventin WITH THE SPRIG MOBILE APPLICATION BY CO-OP, YOU CAN MANAGE YOUR NORTH ALABAMA EDUCATORS CREDIT UNION (NAECU) CHECKING ACCOUNT WITH A FEW TAPS ON YOUR SMARTPHONE. SPRIG IS AVAILABLE to NAECU members as part of our partnership with CO-OP Financial Services, a national credit union cooperative that includes 30,000 ATMs and partner branches throughout the country. With Sprig, banking is no longer confined to business hours—you can deposit checks, review your account balance and activity, transfer funds, and link multiple accounts anytime, no matter where you are. Enrolling in Sprig is easy. A er downloading the app from your smartphone's app store or getsprig.com, you'll complete an authentication process and choose a user name and password. Sprig will make two small deposits into your account to get the service started. If you're enrolled in online banking, you'll be able to swi ly confirm when these deposits post to your account. "We choose to work with CO-OP and use Sprig because it is so secure, and it lets members bank from anywhere," says Glennice Hall, Electronic Service Representative at NAECU. "That means members who travel out of state or whose children are miles away at college can still be connected to their NAECU accounts and make deposits. And for local members, it saves them gas and the time it would take to visit a branch." READY TO TRY SPRIG? FIND IT IN THE APP STORE AND DOWNLOAD IT TO YOUR SMARTPHONE TODAY. VACATION MISHAPS DON'T LET THINGS SUCH AS A DIRTY HOTEL ROOM RUIN YOUR FAMILY'S VACATION. THIS SUMMER, PLAN AHEAD TO AVOID VACATION NIGHTMARES. HERE'S HOW YOU can avoid two dreaded vacation scenarios. Nightmare 1: You arrive at your destination to find your family's hotel room resembles Bates Motel. Before you book, take time to read reviews on websites like TripAdvisor.com or Oyster.com, which promises unaltered hotel photos. To find the best rate on reputable, well-known lodging, compare prices online and consider purchasing a hotel package—which typically includes the room and one or two amenities, such as valet parking, a meal, a spa visit, etc.—which may save you money in the long run. Finally, ask about discounts. Most hotels offer AAA discounts, and some hotel chains, including Marriott, offer an educator's discount. Nightmare 2: You paid for your vacation with a credit card and are now facing high monthly payments and interest rates. Instead of maxing out a high interest rate credit card, consider financing your vacation with a personal loan. North Alabama Educators Credit Union offers an *Any Season, Any Reason loan with annual percentage rates (APR) as low as 5.99%—a far cry from the average credit card APR, which o en ranges from 13.02 to 15.88% or greater. FOR MORE INFORMATION ABOUT NAECU'S ANY SEASON, ANY REASON LOAN OR TO APPLY, VISIT NAECU.ORG AND SELECT "LOANS." *The Any Season, Any Reason loan offers a fixed rate as low as 5.99% APR for up to 12 months or as low as 6.99% APR for up to 24 months. The maximum amount that can be borrowed is up to one times your gross monthly income or $5,000, whichever is less. 3 NAECU.ORG NOT FOR PROFIT, NOT FOR CHARITY, BUT FOR SERVICE