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 Most Valuable Home Improvement Projects

hammer, wrench, paintbrush standing up in grass

Getting the max for your money...

Some remodeling ideas are better than others — at least when it comes to the value they retain at resale. According to experts1, these three top the charts this year:

>  Garage door replacement — At an average price of $3470, sellers recouped 98.3% of the cost due to enhanced curb appeal.

>  Manufactured stone veneer — At an average price of $8221, sellers recouped 97.1% of the cost when they improved aesthetics by replacing vinyl siding with stone veneer.

>  Steel entry door replacement — At an average price of $1471, sellers recouped 91.3% of the cost when these included dual-pane half-glass panels.

Our Home Equity Line of Credit (HELOC) is a great way to pay for renovations. In addition to the ideas above, most real estate professionals agree that new paint, carpeting and kitchen or bath renovations do a great job of building value in your house.

Our HELOC is great for more than just your home, too — it can be a smart choice for debt consolidation, education, medical bills, vacation and much more!

PLUS for a limited time, you could get up to a $150 Visa® gift card* when you make your initial advance with a new MWRD ECU HELOC!

Stop in or call us to see how our HELOC can help you complete your spring plans!

1 Source: Cost vs Value Report 2018, www.remodeling.hw.net

*Not a promise to lend; standard credit qualifications and some restrictions apply. Applicant must close Home Equity Line of Credit with MWRD Employees’ Credit Union to qualify. Minimum $5000 advance earns a $50 gift card; minimum $10,000 advance earns a $100 gift card; minimum $15,000 advance earns a $150 gift card. Offer expires 6/30/2018; subject to change at any time. Contact a credit union representative for complete details.


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 Here's what you missed at our Annual Meeting

Dozens of members joined our Board of Directors and staff on April 11th for a circus-themed celebration of “THE GREATEST MEMBERS ON EARTH”! We presented 2017 highlights, enjoyed laughter and treats, and rewarded a few lucky members with door prizes. 

coupon book

Attendees also received a copy of our Annual Report (download yours at www.mwrdcu.org/news) — which highlighted how we are outperforming our financial institution peers — largely due to the fiscal responsibility of members who pay back their loans and strengthen the credit union. Guests also received a Coupon Book full of sensational rates and offers for our financing and deposit programs! (If you weren’t able to attend, stop in either office to receive your Coupon Book today.)

Our volunteer Board members and dedicated staff practice great feats of kindness and compassion every day — helping our members manage all the events that can make life feel like a circus! If we can help you juggle everyday finances, please contact us in person, by phone or learn more about our services online!


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Our trusted partner Accel Services is now...

couple meeting with financial counselor

GreenPath Financial Wellness

Our partners at Accel Services have helped many of our MWRD ECU members to understand and improve their credit. Behind the scenes, Accel’s parent company, GreenPath Financial Wellness, has been quietly building a wide array of financial resources to empower credit union members since 1961.

As a member of MWRD ECU, you have full access to all of these resources. GreenPath’s certified experts can empower you to:

  • > eliminate financial stress
  • > get out of debt
  • > increase savings, and
  • > achieve your financial goals

To centralize and eliminate confusion, everything is now available at www.GreenPath.com. For added convenience, we’ve added GreenPath to our “Helpful Links” in the menu at the left so you can always find them. You can also call GreenPath toll-free at 877-337-3399. 

accel members financial counseling is now greenpath financial wellness

GreenPath Service Hours (CST)

  • 7am - 9pm M-Th
  • 7am - 6pm Fri
  • 8am - 5pm Sat


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 See us FIRST for Fast, Friendly Financing

one percent off personal loans

As a Credit Union member, you know that we look out for your best interest. In keeping with that promise, we are offering members a discounted interest rate on personal loans. These personal loans can be used for travel, bill consolidation, wedding expenses, education, emergencies and more!

Apply now to receive 1% off our Signature or MyChoice Loan rate!1

  • >Our Signature Loan offers a lower rate than most credit cards (6.9%-18.9% APR2 depending on your credit history), and terms up to 60 months3.
  • >Our MyChoice Loan offers an even lower rate (4.9%-13.9% APR4 depending on credit history), and a term of 12 months5.

We’re excited to show you how we’re always here for you by helping you achieve your goals with fast, friendly financing. To learn more or open an application, call us, stop in to see us or check rates & apply online!

1Not a promise to lend; standard credit qualifications and some restrictions apply. Applicant’s rate will be discounted 1.00% from the standard Annual Percentage Rate for which s/he qualified; rates vary based on credit score. Offer does not apply to existing loans with MWRD Employees’ Credit Union. New money loans only; current loans may not be paid off for the purpose of refinancing under this rate reduction. Offer expires 6/30/2018; subject to change at any time. Contact a credit union representative for complete details.

2Annual Percentage Rate, subject to change. Payment example: A Signature Loan with an interest rate of 6.9% = 60 monthly payments of $19.75 per $1,000 borrowed. Rate quoted is our best rate; your rate may be higher. Rates are subject to change and vary based on your credit history. This offer can be withdrawn without notice.

3Please ask a credit union representative for complete details.

4APR=Annual Percentage Rate. Loans are available to qualified members only. Our usual credit criteria applies. Payment example: A MyChoice Loan with an interest rate of 4.9% = 12 monthly payments of $85.56 per $1,000 borrowed. Rate quoted is our best rate; your rate may be higher. Rates are subject to change and vary based on your credit history. This offer can be withdrawn without notice.

5Only one MyChoice loan may be held by any member at any time; you must pay off your current MyChoice loan before applying for another MyChoice loan. Talk to our loan officer for more details.


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 No Payment for up to 90 Days*

delay your first auto loan payment for up to 90 daysIt's a great time to finance or refinance a new or used vehicle with us! You may be able to delay your first vehicle loan payment for up to 90 days, keeping that money in your budget for whatever is most important to you. Whether you are upgrading your auto for the new season, or refinancing to lower your rate or payment -- talk to the friendly loan representatives at your credit union today!

*Not a promise to lend; standard credit qualifications and some restrictions apply. Offer does not apply to existing loans with MWRD Employees’ Credit Union. First payment may be deferred up to 90 days. Interest accrues daily from the date of funding and is repaid over the term of the loan. Offer expires 6/30/2018; subject to change at any time. Contact a credit union representative for complete details.


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