• Check your credit report once a year.
• Guard you Social Security number.
• Be cautious giving information orally in public.
• Carefully destroy papers you throw out.
• Be suspicious of phone solicitors.
• Delete without replying to any suspicious email requests.
• Use a locked mailbox to send and receive mail.
• Reduce the number of pre-approved credit card offers you receive
  by calling 888-5OPT-OUT (they will ask for SS#)

A full menu of loans, and service with a smile!

When it’s time to buy a new car, send the kids to college, replace the furnace or relax on a Caribbean cruise we are at your service!

With low rates, flexible terms and fast approvals, we’ve got a recipe for success.

Our selections include:

• New or Used Auto Loans – We have amazing low rates, flexible terms and no hidden fees.
  
• Home Equity Loans/Lines of Credit – Convert your home’s equity into cash, and enjoy the bonus of tax deductible interest (consult your tax advisor).
  
• Mortgages – Buy your first home, your dream home or a vacation home.
  
• Home Improvement Loans – Increase the value of your home with new windows, hardwood floors or granite countertops.
  
• Personal Loans – Simple, straightforward financing for any reason!
  
• Credit Cards – Don’t let high fee and surprise rate hikes spoil your appetite. Enjoy a low fixed rate with no annual fee.
  
• And more! If you need money to set sail on a boat of your own, see the world or even start a new business, make us your first stop.
  
  Spice up your life with a loan from MCECU. Place your order in person, or online.
  

Reality: Bankruptcy is a very serious matter and should be a last resort, not an easy out. It is a legal case filed with the bankruptcy court that is a matter of public record, and it can be reported for 10 years or more. Many people who have filed bankruptcy wish they had tried other alternatives before filing. Once a person files, they will always be “a person who filed bankruptcy,” and that can never be taken back.

Bankruptcies affect all of us. It is estimated that bankruptcies cost every US Citizen over $400 a year. WOW! Why? Because when a member declares bankruptcy on the credit union, since we are member owned, they are declaring bankruptcy on you, the 2,338 member/owners of the credit union. The credit union has to “write off' the loans that this person had and that costs money, money that could have been spent in other ways.

If you, or someone you know is in need of financial help, give Consumer Credit Counseling Service a call for a confidential interview . They are located in Wausau at 715 849-3322.