Mutual Credit Union Announces The Release Of A Fresh New Look To The MutualCU.org Website

 

New Website Homepage

PRESS RELEASE

Monday, July 29, 2019

Vicksburg, Miss. – – Mutual Credit Union is pleased to announce the unveiling of their fresh and new MutualCU.org website look on Monday, July 29, 2019. Susan Mandarino, Vice President of Marketing for Mutual Credit Union stated, “We wanted to create a convenient, easy-to-use resource for both our members and our community. Our redesigned website offers clear, intuitive navigation, as well as easy-to-understand information and financial resources. We have also updated the visual aspect to offer an experience that mimics the everyday friendly and helpful environment that people have come to know and love about Mutual.” The mutualcu.org website was last updated in 2017.

Highlights to the MutualCU.org Website Include:

More Complete Customer Journey

Comprehensive Financial Education Resource Center

Enhanced Resources and Tools Section

President of Mutual Credit Union, Michael Mathews stated, “We are excited about our new website launch and the robust information it provides to our membership.  I believe our new site will allow visitors to have a very informative experience as we continue to grow our digital capabilities.”

 

For more information about Mutual Credit Union please follow this link to our webpage. For additional questions, please contact the marketing department at marketing@mutualcu.org or by calling (601) 636-7523 ext. 1226.

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The Ultimate Smart Shoppers Cheat Sheet

shopping for appliances

Did you know you should be timing your shopping throughout the week? Each weekday brings its own special deals and savings. Read on for the ultimate cheat sheet for your weekly shopping. 

Sunday: Large household appliances 

Home improvement stores, like Lowe’s and Home Depot, tend to mark down their large appliances on Sundays. 

Monday: Cars and electronics 

Car dealerships are busiest over the weekend, and the comparative quiet of a Monday will put you in a good position to negotiate a great price on a new car. Stop by Mutual Credit Union to ask about our auto loans before you start shopping!

You’ll also want to shop for electronics on Monday, as stores like Best Buy offer exclusive manufacturer rebates each Monday, which can really lower the price of a product. 

Tuesdays: Houses, airline travel and more 

Tuesdays are the best weekday for making an offer on a house, particularly the first Tuesday of the month. This is when most home sellers review the activity surrounding their house from the prior month and are more open to accepting an offer that’s well lower than their asking price. 

If you’re looking to fly, book your flight on a Tuesday morning.  According to data analyses performed by Skyscanner, airlines mark down flight prices by 15-25 percent late Monday evening. By Tuesday morning, competing airlines will offer matching or lower prices, giving you the best selection of affordable flights. 

For a terrific way to end your Tuesday, go see a movie. Tickets to the latest blockbusters are usually discounted during the mid-week slump. 

Wednesdays: Groceries, discounted apparel and fuel 

The best time to shop for groceries is on Wednesday. Most supermarkets roll out their new sale events on this day, rearrange aisle end-caps and set out a fresh display of produce. They’ll also slap discounts on perishable products that are left over from the beginning of the week but are still days away from their sell-by dates. Shop early for the best pickings. 

If you’re a fan of discounted quality clothing, you’ll want to hit TJ Maxx and Marshalls on Wednesday morning, as this is when these stores post their new markdowns.  

Fill ‘er up on Wednesday! Weekly gas hikes will take effect over the weekend, often as early as Thursday morning. 

Thursday: Clothing, shoes and handbags 

Get first dibs on weekend clothing sales at big-name stores late on Thursday. Shop for matching footwear with in-store coupons, which also debut on Thursday. Then, complete your new look with a new handbag, which see online discounts each Thursday. 

Friday: Accessories 

Online accessories, like costume jewelry, belts, and scarves, see an average discount of 42 percent on Fridays.  

Saturday: Yard sale treasures 

Saturdays are prime time to pick up treasures at neighborhood yard sales. You’ll score the hottest deals later in the day when the owners are itching to get rid of their wares. 

Your Turn: Is there a weekday shopping hack we missed? Tell us about it in the comments!

SOURCES:

https://www.thekrazycouponlady.com/tips/money/back-to-school-shopping-hacks.amp.html

https://www.aol.com/article/lifestyle/2018/07/29/the-best-day-of-the-week-to-go-grocery-shopping/23491169/

https://www.dcrstrategies.com/shopping-guide-best-days-of-the-week-to-buy/

https://www.thekrazycouponlady.com/tips/store-hacks/retailer-clearance-markdown-cheatsheet.amp.html

https://www.rather-be-shopping.com/blog/2014/06/09/insider-tips-on-store-markdowns/

Mutual Credit Union Announces, Brent McAlpin As The New Branch Manager Of The Mutual Credit Union Raymond Branch

Press Release

Tuesday, July 23, 2019

Vicksburg, Miss. – – Mutual Credit Union is pleased to announce the promotion of Brent McAlpin to Branch Manager of the Mutual Credit Union Raymond, MS Branch. Brent began his career at Mutual in 2015. Brent’s 4+ years of service to Mutual Credit Union and his additional 3+ years in the financial industry prior to his time at Mutual have proven invaluable assets to his community and to his fellow employees. Michael Mathews, President of Mutual Credit Union stated, “Brent has always demonstrated his dedication to our membership through his work, and I am confident he will continue to work with our membership assisting them to achieve their financial goals in his new role as Branch Manager.”Brent McAlpin Headshot BEST

Brent received a Bachelor of Science degree in Kinesiology with a concentration in Sports Management and a Minor in Public Relations from Mississippi State University. He and his wife Karri live in Pearl, MS. In 2017, he had the 2nd highest loan production for Mutual Credit Union, and in 2018, he had the 4th highest loan production. In 2018, Brent was selected to CRASH the CUNA Lending Council in Anaheim, CA. Brent is in the current class of L.E.A.D. a program thru the MSCUA (Mississippi Credit Union Association) for Young Leaders in the Credit Union Industry and is a Certified Credit Union Financial Counselor through CUNA (Credit Union National Association).

For more information about Mutual Credit Union please follow this link to our webpage. For additional questions, please contact the marketing department at marketing@mutualcu.org or by calling (601) 636-7523 ext. 1226.

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Word of the Month: Work Ethic

 

Youth working movie theatre concessionsSchool was out, and Aaron and Tom were counting down the days until July. That’s when their first real job would start and they could hardly wait.

“It’s going to be awesome!” Tom said to Aaron while they practiced shooting baskets at the park. “At the end of the summer, we’re gonna be rich!”

Aaron laughed and easily sank a shot from center court. He didn’t think he and Tom would be rich with the money they were making, but he was excited to start his first real job. He almost felt like a grown-up!        

“Don’t forget the best part,” he shouted to Tom over the sound of the bouncing ball. “Free ice cream every day!”

Tom and Aaron had gotten summer jobs at Scoops, the neighborhood ice cream store. They’d be helping the owner, Mr. Smith, behind the counter for a few hours each afternoon during the busy summer months.

“It’s going to be so much fun working at Scoops,” Tom said, catching the ball. ”I can’t think of any job I’d like to do more!”

Aaron nodded happily. Tom was right: it was going to be awesome!

***

One week later, Tom and Aaron met up at the intersection of Oak Street and Maple Drive for the walk to Scoops on their first day of work.

“This is going to be the best job ever!” Tom yelled, pumping his fist in the air.

But four hours later, he was telling another story.

“I have never worked so hard in my life!” he complained, collapsing onto a bench down the block from the ice cream store.

Aaron dropped into the spot next to him and let out a loud groan. “That was crazy,” he agreed.

“I thought this job would be fun Getting people the ice cream flavor they want, putting on the toppings, working the cash register—but it was so hard!”

And it was. Scoops had been packed all afternoon, and it wasn’t easy to keep the customers happy, make sure everyone got the right change and greet each person with a smile, too, like Mr. Smith insisted they do.

Aaron shrugged. “Don’t forget; we’re getting paid for this work,” he tried to cheer up Tom. But Tom still brooded.

***

The next day, when Aaron reached the intersection of Oak and Maple, Tom was nowhere to be found. Aaron waited one minute. Then two  and three, but still no Tom. He looked at his watch. If he didn’t leave soon, he’d be late to work!

Finally, after waiting seven whole minutes, Aaron left. He ran all the way to work so he would still be on time.

Tom showed up 15 minutes later, not looking too happy to be at work. Mr. Smith didn’t look too happy to see him either. He handed Tom a Scoops apron and told him to get started at the toppings center.

Work that day was a little easier than the first day, since Aaron and Tom knew what to expect. They were also learning their way around the counter a little better and everything took them less time.

“That wasn’t so bad, was it?” Aaron told Tom as they licked their triple-scoop cones after work that day.

Tom just shrugged.

The next day, Tom was waiting for Aaron at Oak and Maple and Aaron was happy to see him.

“I’m leaving early today,” Tom told Aaron. “My aunt is taking my cousins to a Cubs game and they’re leaving at 4:15. They invited me to come along and I need to leave at 4 in order to be at their house on time.”

“Can’t they leave a little later?” Aaron asked. Their job was over at 4:30 every day. Aaron remembered Mr. Smith’s frown when Tom had shown up late for work yesterday and he couldn’t imagine their boss would be too happy if Tom left a whole half-hour early.

“Nope,” Tom shrugged as they reached the door of Scoops. They both walked into work together.

Later that afternoon, after exchanging a few words with an unhappy-looking Mr. Smith, Tom gave Aaron a little wave and hurried out of the store.

The rest of the week passed quickly. On Thursday, Tom came late again—this time a whole hour late. On Friday, Tom and Aaron walked through the doors with huge smiles on their faces.

“Payday!” they whooped, exchanging high-fives.

But a few hours later, when they got their checks from Mr. Smith, only Aaron was smiling.

“What’s this?” Tom asked Mr. Smith.

“That’s your paycheck,” Mr. Smith said calmly.

“But why is it so much less than it’s supposed to be?” Tom whined.

Aaron saw that his friend was upset. “We were supposed to get paid the same,” he said, coming to Tom’s defense. “Why is my check so much higher than Tom’s?”

“That’s because I hired you with the understanding that you’d get paid a specific salary if you worked a certain number of hours each week, right?”

Tom and Aaron nodded. Aaron had a feeling he knew where this was going.

“And you, Aaron,” said Mr. Smith, “have worked all those hours.”

Mr. Smith turned to Tom, who was staring at the floor. “While you, Tom, have not. You’ve come late, you’ve left early, and I’ve paid you what I believe is a fair rate for the amount of hours you actually worked. You need to learn how to develop—and to respect—a work ethic.”

Tom looked interested. “What’s that?” he asked.

“That means respecting a job. Being on time. Fulfilling your responsibilities. Doing what you are hired to do. Showing that it matters to you. Do you know why it is important to have a work ethic?”

“Why?” asked Tom.

“Because, when you accept a job, you are committing to do the work involved,” Mr. Smith explained. “You are giving your word that you will fulfill your responsibilities. And if you want your job to pay off and to open new opportunities for you, you need to show that you can handle the workload and do your job well. Do you understand what I’m saying?”

Tom nodded, looking thoughtful. He was quiet all the way home.  

The next day, when Aaron reached the corner of Oak and Maple, Tom was there to greet him. Tom stayed until 4:30 sharp that afternoon, and all the days the rest of the week.

On Friday, Mr. Smith was smiling widely when he handed them their checks.

“Full paycheck for both of you this week,” he said.

The boys thanked him, but he wasn’t done.

“Can you stay a few minutes late today?” he asked the boys. “I have an interesting opportunity you might want to hear about.”

Aaron and Tom shared a quick fist-pump when Mr. Smith’s back was turned. They didn’t know what Mr. Smith wanted to talk to them about, but it sounded interesting. And they knew it was only because they had shown a strong work ethic.

Talking Points:

  • Can you think of three ways to show a strong work ethic?
  • Do you think it’s easier to show a strong work ethic at an easy job?
  • How can a strong work ethic help you get ahead in life?

All You Need to Know About Remote Deposit Capture

In a world where you can order almost anything using your mobile phone, it makes sense that we, Mutual Credit Union offers a complete mobile banking experience for our members. remote-check-capture

One of the most convenient features we offer through our mobile banking service is Remote Deposit Capture. All it takes to deposit a check is a few minutes of your time and a phone with internet access. 

Let’s take a closer look at remote deposit capture and mobile deposits. 

What is remote deposit capture? 

Remote check capture is a way for you to deposit a check into your Mutual Credit Union Checking Account from a distant location using a mobile device with internet access. You can be practically anywhere in the world and make your deposit at any time. 

The process is simple: You’ll sign into your Mutual Credit Union mobile app and prepare your check for deposit. Tap on the Check Deposits icon and the app will guide you through snapping a picture of both the front and the back of the check. You’ll also be asked to verify the check amount. Once you’ve made the confirmation, your check will be submitted for deposit into your account. 

It’s that easy. 

The benefits of remote check capture 

1. Convenience. As mentioned, with remote check capture, you can make your deposit anywhere, at any time.

2. Speed. Your check will generally clear more quickly through a mobile deposit than it will through an ATM deposit.

3. Accuracy. You’ll be asked to confirm the check amount for accuracy. On the small chance that an error or rejection happens, you’ll still have the physical check, which you can then deposit at any Mutual Branch location. 

Some facts you may not know about remote check capture 

A. Deposit limits. For your safety, the maximum amount you can remotely deposit in one check is $2500.

B. Bounced checks. Just like a confirmed check deposit can end up bouncing several days later, if we cannot collect the funds, a mobile deposit can also be returned for the same reasons.

C. Holds on checks. Any checks deposited after our evening cutoff of p.m. will be placed on hold until the next business day. 

But is it safe? 

We take many precautions for ensuring your personal information is protected throughout the remote check capture process. 

First, no one can sign into your Mutual Credit Union mobile account without two-factor authentication. Always use strong, unique passwords. 

Second, our mobile app does not store your check images in your phone. Once your check has been submitted, the image is erased from your phone and stored only in our own software. 

Finally, if an error occurs, you’ll always have the physical check to deposit if necessary. 

Mutual Credit Union Remote Deposit Capture is quick, easy and safe. Try it today! 

For even more information on Mutual Credit Union Remote Deposit Capture, visit our website .

Your Turn: What do you love about remote check capture? Tell us about it in the comments!

SOURCES:

https://www.thebalance.com/mobile-check-deposits-vs-atm-deposits-315007

https://www.bankrate.com/banking/5-crucial-facts-everyone-should-know-about-mobile-check-deposit/amp/

https://www.digitalcheck.com/history-of-rdc/