One of the best gifts you can give kids and grandkids

Most parents and grandparents want to give the children and teens in their lives the best of everything. But one of the most important and most useful gifts you can give them won’t fit in a box and doesn’t need a bow. It won’t wear out or break, will only become more valuable and rewarding as they grow older, and you can give it to them for as little as $5.

That gift is something called financial responsibility. Teaching kids how to best use and manage their money will help them become financially independent and secure. Helping them understand the value of saving for a rainy day instead of spending money as soon as they get it will last them a lifetime. And Indiana Members Credit Union offers a great way to start them on that path, especially during National Financial Literacy Month!

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Planning for College: How Do You Start?

What you’ll learn

  • Tips on how to start planning for college
  • Average savings –Planners vs. Non planners
  • Most popular planning strategies

Planning for college can be an exciting (or overwhelming) time for families. For some who may not consider themselves “planners,” the mere thought of how to start laying out the financial groundwork can feel daunting.

While choosing the right college or university can be a pivotal moment, determining the most affordable (and responsible) way to pay for it is equally important.

According to research from Sallie Mae and Ipsos, “Higher Ambitions: How America Plans for Post-secondary Education,” 84% of families believe creating a plan for college is challenging, but planners are 3x as likely to be confident about meeting the cost of higher education.

Planners Vs. Non Planners

Planners are significantly more likely than non-planners to be saving for the student’s higher education (73% vs 19%, respectively) and, among those who have saved, planners have saved nearly twice as much, an average of $28,389, compared to non-planners, $14,999.

Research also found that planners are more likely to say they always knew the student would continue his/her education (46% compared to 38% of non-planners). Nearly half of planners (48%) say they started saving for the student’s education when the student was six or younger.

So, while families benefit from putting a plan together, the question remains: how do you start?

Here are some easy tips and tools to help put the planning process in motion:

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If you’re like many members, you spend much of this time of year thinking about spring’s arrival and what you’d like to do to your home when the weather gets better. Perhaps you’ve been thinking about adding a room, performing some major remodeling, or enhancing outdoor living with a new deck or patio. Those all sound like great ideas, but how will you pay for them?

One smart strategy is using a home equity loan from Indiana Members Credit Union. Your home equity is the difference between the home’s value and what you have left on your mortgage. For example, if your home is valued at $200,000, and you have a $110,000 mortgage balance, your home equity is $90,000. With a home equity line of credit, you can borrow up to 95% of your equity, based on certain criteria. When you use home equity credit, you’re actually borrowing against the part of the home you own. It’s like borrowing from yourself!

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Carmel Marathon Ticket Sweepstakes Rules

Official Rules – Indiana Members Credit Union “Carmel Marathon Ticket Sweepstakes” March 19, 2021 – March 22, 2021. 


  1. ELIGIBILITY: The Indiana Members Credit Union “Carmel Marathon Ticket Sweepstakes” is offered and open only to legal residents who reside in Indiana Members Credit Union’s service territory: Bartholomew, Blackford, Boone, Brown, Clark, Clay, Clinton, Decatur, Delaware, Floyd, Fountain, Gibson, Grant, Hamilton, Hancock, Hendricks, Henry, Howard, Huntington, Jackson, Jefferson, Jennings, Johnson, Madison, Marion, Miami, Monroe, Montgomery, Morgan, Owen, Posey, Putnam, Randolph (Jackson or Wayne Townships), Ripley, Rush, Scott, Shelby, Tippecanoe, Tipton, Vanderburgh, Vigo and Warrick counties in Indiana, and Henderson County in Kentucky, who are at least 18 (eighteen) years old at the time of entry (“Entrants”).  By entering, you agree to follow these Indiana Members Credit Union “Carmel Marathon Ticket Sweepstakes” official rules (the “Official Rules”).  No fee is required for entry.  VOID WHERE PROHIBITED.  Employees, directors, contractors, vendors, marketing and promotion agencies, family members or individuals living in the same household as employees of Indiana Members Credit Union (“Sponsor”), Carmel Marathon employees and team members, subsidiaries and affiliated entities are not eligible to participate.

2. SWEEPSTAKES PERIOD: The Sweepstakes Period begins on Friday, March 19, 2021, at 11:00 a.m. Eastern Time, and ends on Monday, March 22, 2021 at 2:00 p.m. Eastern Time (the Sweepstakes Period”).

3. HOW TO ACCESS AND ENTER:  The first day of the Sweepstakes Period, Sponsor will post a “Carmel Marathon Ticket Sweepstakes” question on its IMCU Facebook pages. There is one way to enter during the Sweepstakes Period:

VIA FACEBOOK:  To enter via Facebook, visit the IMCU Facebook page and respond with an answer to the IMCU post containing “Carmel Marathon Ticket Sweepstakes” question via a comment on the post.   Entrant must have a Facebook account to participate in and enter this Sweepstakes via Facebook.  Entrant must agree to comply with Facebook’s Statement of Rights and Responsibilities ( and Facebook’s Community Standards ( in order to create and maintain a Facebook account. 

Limit one entry per person.  Multiple entries per person, including multiple entries by the same Entrant using different e-mail addresses, will invalidate ALL entries submitted by that Entrant for the entire Entry Period.  Entrants must answer the question posted by Sponsor to be eligible to win.  All entries must be received by Sponsor by Monday, March 22, 2021 at 2:00 p.m. Eastern Time.  Due to the way Facebook operates their services, Sponsor may not receive entries from Facebook users with “protected” updates or profiles.  For Entrants entering on Facebook, Entrants must continue to maintain an active Facebook account through the Sweepstakes Period and for at least thirty (30) days thereafter (for potential notification purposes) to participate in the Sweepstakes and be eligible to win. 

All Facebook posts must NOT, in the sole discretion of Sponsor, (i) contain language that violates or infringes upon another’s rights, including but not limited to privacy, publicity or intellectual property rights (including, without limitation, trademark or copyright infringement); (ii) contain language that is inappropriate, indecent, obscene, profane, hateful, tortious, defamatory, slanderous, controversial or libelous; (iii) contain language that promotes bigotry, racism, hatred or harm against any group or individual or promotes discrimination based on race, gender, religion, nationality, disability, sexual orientation or age; or (iv) contain language that is unlawful, in violation of or contrary to applicable laws or regulations.

4. DRAWING/ODDS: Sponsor will hold a random drawing from the pool of eligible entries. Entrants must answer the question to be eligible to be selected as a winner. The drawings will be held on Monday, March 22, 2021 at 2:45 p.m. Eastern Time. Odds of winning will depend on the number of eligible entries received. In the event of a dispute as to the identity of a winner, the Sponsor’s decision will be final. Winners will be notified within 24 (twenty-four) hours of winning via the platform on which they submitted their entry (Facebook).  Winners will be required to respond (as directed) within twenty-four (24) hours of an attempted notification prior to being awarded a prize.  Failure to respond to the notification within this timeframe may result in forfeiture of the prize. Sponsor, in its sole discretion, may attempt to contact up to three (3) potential winners of a prize with the above procedure after which the prize in question may go un-awarded if it remains unclaimed.

5. PRIZES: Five (5) prize winners will be selected in a random drawing.  The winners will receive two (2) entries to the Indiana Members Credit Union Carmel Marathon 5K, on Saturday, April 3, 2021, 8:00 a.m. (Prize valued up to $35 per entry, $70 total prize value.).

Sponsor reserves the right to substitute any prize with any alternate prize of equal or greater value at its discretion.  Entries are not redeemable for cash.  Limit one prize per winner throughout the Sweepstakes Period.  Prize winner must agree to comply with all Carmel Marathon venue rules and regulations related to the use of entry (as applicable) and, in accordance therewith, agree not to act in an unsportsmanlike or disruptive manner, or with any intent to annoy, abuse, threaten or harass any other person at such game.  Failure to do so may result in forfeiture of prize or prize element.

Winners must register by 11:59 pm on March 26, 2021, to receive their entry or entry will be forfeited.

Sponsor is not responsible for lost, stolen, damaged, mutilated, returned, “bounced back” emails or misdirected mail, or unsafe arrival of a prize.

If the prize notification is returned as non-deliverable, or if winner is found to be ineligible or not to be in compliance with these Official Rules, winner may be disqualified and an alternate winner will be selected.

The prize winner is solely responsible for all applicable federal, state and local taxes and any expenses associated with the Sweepstakes, unless otherwise indicated. 

6. GENERAL CONDITIONS: By entering in the Sweepstakes, unless you opt out, you authorize Sponsor to use, without further notification to you, review or approval by you, your name if you become a winner, to publicize the Sweepstakes and inform other Entrants of your winning. For example, Sponsor may post on Indiana Members Credit Union’s Facebook wall, or other marketing channels a message such as: “Congratulations to our winners: John Doe, Mary Smith, etc.)!”.  If, in response to a notice of winning, a winner instructs, in writing, Sponsor not to publicize his or her name, Sponsor will honor that instruction. 

Sponsor reserves the right, at its sole discretion, to disqualify any individual it finds, in its sole determination, to be tampering with the entry process or the operation of the Sweepstakes; to be acting in violation of these Official Rules; to be acting in a non-sportsmanlike or disruptive manner, or with intent to annoy, abuse, threaten or harass any other person.

Any use of robotic, automatic, macro, programmed or like entry methods will void all such entries by such methods and persons using any such methods will be disqualified. Each entry submission must be manually key stroked and manually entered by the individual Entrant; automated and/or repetitive electronic submission of entries (including but not limited to entries made using any script, macro, bot or Sweepstakes service) will be disqualified and transmissions from these or related email or IP addresses may be blocked. The accumulation of entries generated through robotic, automatic, macro, or like methods is also strictly prohibited. Sponsor’s determination of whether a user is accumulating entries generated through automated means is in Sponsor’s sole discretion.

Entries that contain offensive, harassing, threatening, abusive language or that violate the intellectual property or other proprietary right of any person are invalid and inadmissible.


Sponsor assumes no responsibility for any computer, telephone, cable, network, satellite, electronic or Internet hardware or software malfunctions, or unauthorized human intervention, or the incorrect or inaccurate capture of entry or other information, or the failure to capture any such information.

If, for any reason, Sponsor is unable to run this Sweepstakes as planned due to infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes which, in the sole opinion of Sponsor, corrupt or affect the administration, security, fairness, integrity, or proper conduct of this Sweepstakes, Sponsor reserves the right to cancel, terminate, modify or suspend the Sweepstakes. If the Sweepstakes is terminated due to tampering or technical difficulties prior to its expiration date, notice will be posted at Indiana Members Credit Union’s Facebook page and on Twitter.

NOTICE: Facebook is in no way responsible for lost, stolen, misdirected, incomplete, misaddressed or ineligible entries.  Facebook and Twitter are in no way sponsoring, endorsing, administering or associated with this Sweepstakes. 


By entering, each Entrant agrees to follow these Official Rules and forever releases, discharges, and waives any and all claims, liabilities and actions of any kind, howsoever caused or arising and whether by negligence, any intentional act or otherwise, that Entrant may have or that may arise against Facebook, Carmel Marathon and each of their respective parents, subsidiaries, affiliates and related entities, as well as each of the aforementioned parties’ respective directors, officers, owners, shareholders, members, employees, representatives, advertising or promotion agencies, successors, assigns and agents (collectively, the “Released Parties”), with respect to or arising out of either (i) Entrant’s participation; or (ii) the receipt or use of the prizes (including but not limited to the substitution or changing of any prizing) awarded in the Sweepstakes.  By entering, each Entrant further agrees to defend, indemnify and hold harmless the Released Parties and their insurers against any and all damages, costs, judgments, and/or expenses (including but not limited to attorneys’ fees and/or other legal fees) they may incur as a result of claims made against them in connection with either (i) Entrant’s participation; or (ii) the receipt or use of the prizes (including but not limited to the substitution or changing of any prizing) awarded in the Sweepstakes.  This promotion is in no way sponsored, endorsed, or administered by, or associated with Facebook.  You understand that you are providing your information to Sponsor and not to Facebook.

8.  DISPUTES: Except where prohibited, as a condition of participating in this Sweepstakes, you agree that any and all disputes, claims and causes of action arising out of or connected with this  Sweepstakes including the determinations of winners, which cannot be resolved amicably, shall be resolved on an individual basis only, without resort to any form of class action. Either party may bring an individual action in a court of competent jurisdiction located in Marion County, Indiana.  All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of participant(s) and Sponsor in connection with this Sweepstakes, shall be governed by and construed in accordance with, the laws of the State of Indiana, U.S.A., without giving effect to the conflict of laws rules thereof, and all proceedings shall take place exclusively in Marion County, Indiana. Each party to an action pursuant to this Section 8 shall be responsible for that party’s costs of litigation to include but not be limited to attorney fees incurred by that party.

9.  LIST OF WINNERS.  To obtain a list of the names of the winners, mail a request, including a stamped, self-addressed envelope, to Indiana Members Credit Union “Carmel Marathon Ticket Sweepstakes, Business Development Department, Indiana Members Credit Union, 5103 Madison Avenue, Indianapolis, IN 46227.

Ready to lower your car payment?

Could you use a little extra cash every month? Is your car payment taking a bigger chunk of your paycheck than you expected? Indiana Members Credit Union may have a simple solution for you.

In addition to financing car and truck purchases, your IMCU loan officer can also refinance existing vehicle loans. Whether you have a bank loan or dealer financing, we may be able to refinance it and lower your payment. IMCU is now also offering no payments for up to 90 days!

Depending upon what you’d like to accomplish, refinancing can lower the rate you’re paying, reduce your monthly payment, or even shorten the term of your loan. Best of all, your IMCU loan officer can refinance car and truck loans, as well as provide financing for motorcycles, travel trailers, and motor homes. Our auto loan rates currently start as low as 1.99% APR*.

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Welcome to even better Digital Banking!

How did we ever manage without today’s technology? Think of the number of times you use your phone to read messages from friends and family, order the groceries you need, find out what the weather will be like, or even spend a few minutes watching funny videos starring cats. Our phones, tablets, computers, and other devices have brought a lot of value and convenience to our daily lives. We recognize that by celebrating National Technology Day on January 6.

We are adding more power and convenience to help you manage your money. We’ve just updated to a new platform for our Online and Mobile Banking. It offers all the features you already enjoy — and adds new ones to help you save time and take more control over your money.

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Indiana Members Credit Union Announces Kenneth A. Beckley Scholarship

Indiana Members Credit Union (IMCU) announces it is establishing the Kenneth A. Beckley Scholarship at The Media School at Indiana University in honor of its longtime board member.

Beckley has been part of IMCU’s volunteer board for 19 years, serving on various committees and sharing his expertise in marketing and strategic planning. Beckley served as the IMCU spokesperson for many years, appearing in commercials throughout the Central Indiana market through 2014.

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Make the holidays brighter for kids

We treasure our childhood memories of the holidays and how exciting it was to find a new toy with our name on it. Right now, you’re probably recalling one of your favorite holiday gifts and remembering how you’d hoped it would be waiting for you.

Thousands of children in the Indianapolis area are dreaming about their own holiday gifts, but without your help, their holidays might not be as bright. That’s why Indiana Members Credit Union and the Indiana Members Foundation (IMF) are partnering with the U.S. Marine Corps Reserve’s annual Toys for Tots program.

Each year, Toys for Tots collects new unwrapped toys at locations throughout central Indiana and distributes them to less-fortunate children around the Indianapolis area. As the presenting sponsor for Toys for Tots, IMCU is providing donation sites for toys at all of our Indianapolis-area branch locations.

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National Scholarship Month

Help your college student create a strong foundation

College is the place where we learn lifelong lessons. Many of those lessons come through the classes we take in the career field we’ve chosen, but others aren’t quite as obvious. One of the most important things students learn is how to manage money.

This is National Scholarship Month. Many college students scramble to find as much scholarship money as they can. While that can help them pay for college, it’s even more important for them to learn what to do with what they earn. Just ask people who are still struggling to pay off college loans into their late 30s.

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Indiana Members Credit Union Awards Over $63,000 in Scholarships and Grants

Indiana Members Foundation, the charitable arm of Indiana Members Credit Union, recently awarded over $63,000 in scholarships and grants through its Robert E. Martin Collegiate Scholarship Program, Mike and Marti Ney “People Helping People” Grant, Joan Wolfe Legacy Grant for the Arts Program, and the Terry Renick Legacy Golf Grant. 

Indiana Members Foundation awarded the 2020 Scholarship and Grant recipients individually this year in front of their high school, alma mater or organization, in lieu of its annual awards banquet, to maintain social distancing. 

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