Optimizing Your Summer Budget

^{Christina Soliday, Enbright Credit Union}

As summer starts out in full swing, many members are wondering where they can optimize their budget to match their summer wants/needs. We all know summertime can be a busy, crazy time of year. Let Enbright help you relax! Check out our tips and get started today!

One easy way to optimize your summer budget is analyzing your current expenses. Many of us are unaware just where every penny is going – removing extra expenses, like that unused gym membership can make a big impact. Trimming extra expenses is an excellent way to optimize and make your budget work better for you.

Whether you are looking to save money for a summer vacation or proactively planning for those back-to-school costs, the best place to start is your local Enbright Credit Union Branch! We are more than happy to discuss your savings goals to help get you there. Want to plan an exciting trip with the family to Disney World? With a Special Share Savings, you can open a dedicated a account to keep your savings organized and on track. It is the perfect way to set aside money to spend for more than just those unexpected life events or emergencies.

Automate and go! Are you utilizing our automated electronic bill pay service? One way to relax this summer, is setting up an ACH or Automatic Bill Pay for your reoccurring expenses. Not only is it one less thing to worry about, but your payments are also on time and building a positive credit score. Additionally, automatic payments will help you eliminate your debt. Let us make your finances work for you and get back to enjoying summer!

No matter your plans – traveling on summer adventures, or a staycation, Enbright offers a Visa Rewards Credit Card to build reward points. From your everyday purchases to summer expenses, Platinum card members can utilize their rewards points for merchandise; travel rewards; event tickets; give to charity and so much more! To take advantage of this member offering, chat with your local Enbright Credit Union Branch or apply online today!

Looking for some summer reading? Subscribe to our blog to stay up to date on the latest Enbright Credit Union and relevant industry news! Not only will you be able to take advantage of all your credit union member offerings but put you on the path to financial success!

March 20, 2020
Updated May 12, 2020

Letter from the President of Enbright Credit Union
Regarding Our COVID-19 Plan

Good day all,

UPDATE: Enbright will begin re-opening branch lobbies, on a staggered schedule, beginning Monday, May 18. We have put in place social distancing practices, temperature checks, and the requirement of a face covering to enter a branch lobby. This is for your safety and the safety of our staff. Thank you for your understanding and participation. Click here for information.

I want to talk to you today about the actions we have taken to protect you, your family, our team members, and their families’ health. As of Monday, March 23, 2020, our Indian Lake and Donelson branches will be open and available but service will be limited to the drive-up tellers and ATMs only. Our Downtown branch will only be open to persons who have access to the NES building. This measure has been taken to reduce the potential spread of COVID-19 (Coronavirus) being transferred to you, your family, and our team members. The branch lobby closures will be re-evaluated on April 3, 2020. If the situation has improved and it is safe for you and our team members, we will re-open our lobbies. However, if the health and safety of the public and our staff are still in question, the lobbies will remain closed until it is safe for everyone. We will be evaluating the situation on a weekly basis and updating you on any changes that occur.

Please watch this space, your email, and our Facebook page for updates.

You should know that you have other opportunities to conduct your business with Enbright Credit Union. Our ATM Network CU24, the Enbright website Online Banking, and our mobile app are available to you. Also, you can call our main number and speak to any of our branch team members, and you can call our voice response system Teller Line. I encourage you to take advantage of all of our services and I would ask that you be patient with us during these unprecedented and challenging times. Should you have a need to visit one of our branch lobbies in person, please call us to discuss your situation and, if we can, we will make an appointment for you to meet with an Enbright team member.

We are here to serve you and to provide assistance to you and your family—not only during this outbreak of the Coronavirus, but also to members who have been impacted by the March tornado. Please call us if we can help you and your family in any way, and thank you from myself and all of the team members for being a member of Enbright Credit Union.

Sincerely,

Ron Smith
President/CEO/CSO
Enbright Credit Union

If you’re an Enbright Credit Union member and a government employee affected by the government shutdown, we’re here for you.

Already have a loan with us?  We may be able to assist with a loan payment skip for January.  To request this option, please send us an e-mail at [email protected].  Please do not include your account number in the e-mail.

Need assistance with a loan during the shutdown? To request this option, please send an e-mail to [email protected] and a loan officer will be assigned to you.  Please do not include your account number in the e-mail.

 

It’s summer, and that means it’s time to hit the road…big vacation, long weekend, short road trip, even a staycation exploring nearby hot spots. Wouldn’t a $1,000 Visa Travel Gift Card add to the fun?Enbright Credit Union is giving away that very thing, and there are two ways to win:

· Open an Enbright Free Checking Account, with all its mobile benefits, or
· Visit www.enbrightcu.com/signmeup and use the sweepstakes entry form

While you’re on the road, we’re with you.

Enbright’s Free Checking account comes with a full range of mobile ways to manage your money…whether you’re couch surfing or you’re in Hawaii. Look at all the things you can do from your smart phone, tablet, or laptop:

Debit/ATM Card – All checking accounts at Enbright Credit Union come with a debit/ATM card for purchases and access to cash wherever you are.

Online Banking – Visit the Online Banking from your desktop or tablet, or bank online from the Enbright CU Mobile App for either Android or iPhone.

Direct Deposit and Online Statements – Why have checks and statements sitting in your mailbox while you’re away? Have your payroll or Social Security check deposited to your checking account automatically, and get your statements online. Sign up for e-statements in Online Banking.

Transfers – Need to move some money around? Make transfers using Online Banking or the Enbright Mobile Money app.

Mobile Deposit – Took off for vacation and forgot to deposit that check? Do it from your smartphone with the Mobile Banking App.

Enbright makes being mobile easier, freeing up your time for the things that matter to you. Open your Free Checking account today – you can do it online – and you’ll automatically be entered to win the Enbright “Go Mobile” Sweepstakes.* If you already have an account, enter to win today. Now, let’s go!

*See official sweepstakes rules for details.

It’s a new day in the Middle Tennessee credit union scene: Enbright Credit Union is the new name of the former Electric Service Credit Union (ESCU). Why the change? According to Enbright CEO Ron Smith, “It was time for a name that better reflects who we serve.”

Electric Service Credit Union has a long history. It was originally established in 1951 to serve the employees of Nashville Electric Service (NES) and was located within the main NES building in downtown Nashville. Since that time, the credit union’s charter has expanded to be able to serve anyone who lives, works, or worships in Davidson and Sumner Counties. “When you consider who we can now serve,” continued Smith, “the old name excluded a large and growing part of the membership. The Enbright name retains a philosophical connection to the credit union’s history — illumination — and carries a promise of a bright future for all members.”

CEO Smith said further, “We know that members will have questions about the name change and how their accounts may be affected. First, account numbers won’t change, and members can continue to use the printed checks they have until they need to order new ones. Second, the mobile banking app will automatically update itself as Enbright Mobile Money; there will be no need for members who use the mobile app to download a new app, and their logon credentials are the same as before. That’s also true for Online Banking online banking. Credit cards will be rebranded at reissue time and may be used as they are until that time.” Click here for answers to frequently asked questions.

If members have addiional questions, they are encouraged to email them to [email protected] or visit any branch of Enbright Credit Union.