THE CURRENT: FALL/WINTER 2025
Financial Winterizing
Preparing Your Finances for the Season
When the temperatures drop, most of us start thinking about winter prep—like swapping to snow tires, sealing windows, or stocking up on cozy essentials. But, did you know your finances can benefit from a little "winterizing," too!? Just like your home and car, your money deserves extra care before the busy holiday season.
Check Your Financial Insulation
Review your budget to make sure it's built to handle the extra costs of the season. Between the holiday shopping, higher utility bills, and winter travel, small expenses can pile up quickly. Setting aside a cushion now can help prevent financial "drafts" later.
Protect Against Unexpected Storms
An emergency fund is like a snow shovel: it's best to have it before the storm hits. Aim to set aside three to six months of essential expenses. If that feels overwhelming, start small by automating even $25 per paycheck into savings.
Give Your Debt a Tune-Up
High-interest debt, like credit cards, can add up faster than snowflakes. Consider consolidating balances into a lower-rate personal loan or credit card balance transfer to make payments more manageable.
Heat Up Your Savings Goals
Cold weather is the perfect time to cozy up your savings strategy. Whether you're saving for a future trip, a home project, or just peace of mind, explore options like debit card round up, where you can round up your transactions to the nearest dollar and transfer your change to your savings account.
Taking time now to prepare your finances can keep you safe, secure, and stress-free. Community West is here to provide the tools, advice, and support you need to stay financially cozy all year long.
Contactless Convenience is Here
A Fresh New Look — and a Serious Tech Upgrade!
As part of our recent card conversion, we’re excited to introduce redesigned debit and credit cards featuring built-in contactless technology. These cards are not only easier to use at checkout but also come with a sleek, modern design we think you’ll love.
Here’s what you can expect:
- No action needed: You’ll automatically receive the updated card when your current one expires or if you request a replacement.
- Faster checkouts: Contactless capability means you can tap to pay quickly and securely.
- Same great benefits: Your card number and digital wallet compatibility stay the same, so you can keep using services like Apple Pay, Google Pay, and Samsung Pay without interruption.
Please note: the CWCU Cards App (not the mobile banking app) has been discontinued as of June 30, 2025. If you currently use card alerts through the app, those alerts will no longer function after that date.
Your fraud alerts will continue being delivered uninterrupted. If suspicious activity is detected, you’ll receive a text, followed by an email or call if needed.
Questions? We’re here to help. Give us a call at (616) 261-5657 or stop by your local branch.
Stay Safe While Soaking in the Sun
Fraud Prevention Tips
Summer is a time for fun, travel, and relaxation — but it’s also a season when fraudsters tend to be extra active. To help keep your money and personal information safe, here are some important tips to keep in mind throughout the warm months:
- Guard Your Personal Info: Never share your account numbers or passwords unless you’re sure who you’re talking to.
- Avoid Public Wi-Fi for Banking: Use secure networks or your mobile data when accessing accounts online.
- Watch for Phishing Scams: Be cautious of emails or texts asking for personal details—verify before clicking links.
- Check Your Accounts Often: Review your statements regularly and report any suspicious activity.
- Use Strong Passwords: Make passwords unique and enable two-factor authentication when able.
By staying alert and following these simple steps, you can enjoy your summer with peace of mind. Community West is always here to help—contact us if you have any questions or concerns.
Discover West Michigan
Your Ultimate Summer Staycation Guide
Looking for a fun and affordable way to enjoy summer without traveling far? West Michigan offers plenty of staycation options that let you relax, explore, and make lasting memories close to home!
Explore the Outdoors
Climb the Sleeping Bear Dunes for stunning views or spend the day at Holland State Park’s sandy beach by the Big Red Lighthouse. Rent a kayak in Muskegon or take a scenic bike ride along the Kal-Haven Trail winding you through forests and small towns.
Enjoy Local Culture
Visit Frederik Meijer Gardens for beautiful gardens and outdoor sculptures. Check out farmers markets and summer festivals for fresh food, local crafts, and live music.
Family Fun & Relaxation
Families can explore John Ball Zoo or the Grand Rapids Public Museum. For a quiet retreat, book a lakeside cabin or take a sunset cruise on Lake Michigan. Quaint towns like Saugatuck offer charming shops and cozy dining.
Whether you want an active outdoor adventure or a peaceful retreat, West Michigan’s staycation options offer something for everyone. Plan your perfect summer escape — no passport required!
Smart Ways to Use Your HSA in Retirement
Save & Invest
If you can pay current medical expenses out of pocket, consider letting your HSA grow tax-free for future use.
Max Out Contributions
Each year, the IRS sets contribution limits. Contribute the maximum if you are able– it’s triple tax-advantaged.
Use Strategically
After age 65, withdraw HSA funds for any purpose without penalty. Use funds for qualified healthcare expenses to keep them tax-free.
Keep Good Records
Hold onto medical receipts. Even years later, you can reimburse yourself for past qualified expenses, letting your account grow longer.
Wondering how to ensure you are protected? Stop by your local branch to schedule a complimentary review of your retirement plan with a Retirement Advisor from Security Benefits Center!
Upcoming Events & Holidays
Blood Drive
Tuesday, July 1 | 11 AM-3 PM
Grandville Branch
Independence Day
Friday, July 4 - Saturday, July 5
ALL BRANCHES CLOSED
Labor Day
Saturday, August 30 - Monday, September 2
ALL BRANCHES CLOSED