Georgia Credit Union "Consider This" Talking Points

Background:
Forty-six percent of respondents to a 2016 Mid-Year Consumer Survey conducted by Georgia Credit Union Affiliates (GCUA) either have unpaid student loans or have someone in their immediate family who does. One-third of those with student loan debt aren’t making monthly payments.

If you have any questions regarding this topic, please feel free to contact Angi Harben at angih@gcua.org.

Talking Points: 

How many respondents to the survey have unpaid student loans or know someone who does?

  • 46% either have unpaid student loans or have someone in their immediate family who does
  • Of those with unpaid student loans, 45% said they owe $20,000 or more
  • 20% said they owe between $10,000-$20,000
  • 36% said they owe between zero and $10,000

Are those respondents with student loan debt able to pay the monthly payments?

  • Only 9% of respondents said they are currently paying more than the minimum payment each month
  • 14% said they are currently making the minimum monthly payment
  • 34% said they aren’t making monthly payments at this time

What are some national statistics when it comes to student loan debt?

  • The country’s combined student loan debt load is more than $1.35 trillion
  • A 2016 college graduate is projected to have $37,000 in student loan debt
  • Grants and support for postsecondary education have failed to keep pace with increases in college costs
  • Much of the burden of paying for college from federal and state governments has shifted to families

What are some tips to paying down student loan debt?

  • Refinance with a credit union
  • Use extra money to pay down part or all of your student loan debt.
  • Investigate job opportunities with companies offering student loan forgiveness. Certain jobs such as public service work or teaching may offer forgiveness for part or all of your student loans.
  • Make more than the minimum payment each month, even if it’s only $10-$20. Anything extra will go directly towards the principal, which means less interest owed in the long run.

General Credit Union Talking Points
How is a credit union different than a bank?

  • A credit union is a financial institution that is owned by the people who use it – its members; and because it is member-owned and not-for-profit, a credit union can offer many advantages to its members.
    • Credit unions offer services such as checking and savings accounts, auto and home loans, and credit cards.
    • Credit unions provide convenient access to members through online banking and a network of surcharge-free ATMs.
    • Because credit unions are not driven by profit or shareholder return, credit unions are typically able to offer lower interest rates on loans, lower fees on services and higher rates on savings.
    • No matter the size of their account, members have equal influence in how their credit union operates, and equal opportunity to run for election to their credit union’s board – one member, one vote.
  • Credit unions put their members’ needs first, with an emphasis on convenience and service.
    • Credit unions are not-for-profit, member-driven financial institutions invested in their members’ financial future.
    • Online banking and a network of surcharge-free ATMs make being a credit union member more convenient than ever.
    • The convenience of shared branching allows credit unions from all over the country to share facilities and give members thousands of locations to perform transactions.
    • Credit unions still offer members easy savings options like Christmas club accounts.
    • Employees at credit unions are trained to look out for their members’ best interest, unlike for-profit financial institutions that also must look out for shareholder return.
    • In an age of impersonal business transactions, many members are on a first-name basis with employees of their credit unions.

Credit Unions are a safe place to save money.

  • Georgia credit unions are well-capitalized and exceed the regulatory requirements for capitalization.
  • Credit unions are federally insured just like banks. Congress created the National Credit Union Share Insurance Fund (NCUSIF) to insure members’ deposits in credit unions up to the $250,000 federal limit.
  • Credit unions have consistently used responsible investment and underwriting practices in the best interest of their members.
  • Many credit unions were formed during the Great Depression to give people a safe place to save money, and have continued to provide security through the recent downturn.

Can anyone be a member of a credit union?

  • Yes, anyone can be a member of a credit union.
    • Membership is open to individuals who are associated through employer, organization, community or other affiliation. Many credit unions now open their membership to the broader local communities where they operate.
    • Credit unions are open to individuals of all ages, backgrounds and financial means; many people open their first savings account or get their first car loan through a credit union.
    • Credit unions may issue small personal loans for members, including those of modest means.
    • Georgia has 121 credit unions with more than 2.1 million memberships.
    • http://www.asmarterchoice.org/ is an excellent resource for Georgians to locate a credit union they can join.

How can consumers become a member of a credit union?

How can one learn more about the benefits of credit unions?

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You are leaving UMC Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by UMC Federal Credit Union. The site you are about to visit may have a privacy policy that is different than UMC Federal Credit Union’s. Please review their privacy policy. UMC Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

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Important Message

You are leaving UMC Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by UMC Federal Credit Union. The site you are about to visit may have a privacy policy that is different than UMC Federal Credit Union’s. Please review their privacy policy. UMC Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue to Site

Important Message

You are leaving UMC Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by UMC Federal Credit Union. The site you are about to visit may have a privacy policy that is different than UMC Federal Credit Union’s. Please review their privacy policy. UMC Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue to Site

Important Message

You are leaving UMC Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by UMC Federal Credit Union. The site you are about to visit may have a privacy policy that is different than UMC Federal Credit Union’s. Please review their privacy policy. UMC Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue to Site

Important Message

You are leaving UMC Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by UMC Federal Credit Union. The site you are about to visit may have a privacy policy that is different than UMC Federal Credit Union’s. Please review their privacy policy. UMC Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue to Site

Important Message

You are leaving UMC Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by UMC Federal Credit Union. The site you are about to visit may have a privacy policy that is different than UMC Federal Credit Union’s. Please review their privacy policy. UMC Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue to Site

Important Message

You are leaving UMC Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by UMC Federal Credit Union. The site you are about to visit may have a privacy policy that is different than UMC Federal Credit Union’s. Please review their privacy policy. UMC Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue to Site

Important Message

You are leaving UMC Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by UMC Federal Credit Union. The site you are about to visit may have a privacy policy that is different than UMC Federal Credit Union’s. Please review their privacy policy. UMC Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue to Site

Important Message

You are leaving UMC Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by UMC Federal Credit Union. The site you are about to visit may have a privacy policy that is different than UMC Federal Credit Union’s. Please review their privacy policy. UMC Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue to Site

Important Message

You are leaving UMC Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by UMC Federal Credit Union. The site you are about to visit may have a privacy policy that is different than UMC Federal Credit Union’s. Please review their privacy policy. UMC Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue to Site

Important Message

You are leaving UMC Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by UMC Federal Credit Union. The site you are about to visit may have a privacy policy that is different than UMC Federal Credit Union’s. Please review their privacy policy. UMC Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue to Site

Important Message

You are leaving UMC Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by UMC Federal Credit Union. The site you are about to visit may have a privacy policy that is different than UMC Federal Credit Union’s. Please review their privacy policy. UMC Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue to Site

Important Message

You are leaving UMC Federal Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products or services accessed through this link are not provided or guaranteed by UMC Federal Credit Union. The site you are about to visit may have a privacy policy that is different than UMC Federal Credit Union’s. Please review their privacy policy. UMC Federal Credit Union does not endorse the content contained in these sites, nor the organizations publishing these sites, and hereby disclaims any responsibility for such content.

Cancel Continue to Site