NEWSLETTER
President's Message
How Does the Presidential Election Impact My Bottom Line?
Discover ways the political landscape can impact your economic situation and how to steady yourself through these changes to ensure your own financial well-being.
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It’s Any Card for the Win
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The Truth About Digital Banking
It’s easier than ever to manage your money from home or anywhere! We divide fact from fiction when it comes to all the features and benefits of digital banking.
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Presenting The Game of Money
To help teens prepare for financial success, we’ve launched a free, interactive website that simulates the decisions we all face in adulthood. Share the link today!
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How Does the Presidential Election Impact My Bottom Line?
Sterling Nielsen, President/CEO
As most Americans have indicated, the economy is their top concern during this election season. I recognize the importance of addressing this topic head-on for Mountain America’s valued members. After all, our commitment lies in ensuring your financial well-being. This is why our top priority is helping you define and achieve your financial dreams.
Understanding economic volatility in an election season
First, I want to alleviate concerns about economic volatility during election seasons. This is normal. Typically, within about six months, markets stabilize and often improve. Elections don’t usually have a long-term impact on markets. In fact, businesses often use this period to reassess and improve their efficiencies, leading to better performance. I recommend applying this practice to your personal budget as well. Take some time to review your finances, visit a branch or schedule an appointment with one of Mountain America’s free financial guides. They can help you shore up your budget and emerge stronger through these transitions.
Evaluating economic policies
While it’s true that decisions made by political bodies have an influence on a nation’s economy, there are many factors that impact economic stability, including employment figures, interest and exchange rates, wages, and supply and demand.
Of these factors, interest rates are arguably the most affected by political decisions. The chair of the Federal Reserve is nominated by the president and, with the board of governors, “conducts monetary policy, [and] influences employment and inflation.” The Federal Reserve does this “primarily through using its policy tools to affect overall financial conditions—including the availability and cost of credit in the economy.”*
The federal government's involvement in fiscal matters varies widely. It can range from broad national policies to specific regulations or even deferment to state-level decisions. Regardless of scope, both parties hold positions across the spectrum, and each issue has its own cost. Your vote can reflect your preferences around this resource allocation.
The good news
For those feeling anxious about political outcomes, it's helpful to remember that the wheels of government intentionally move slowly and are stabilized by our three branches of government to ensure a balance of power.
The best thing you can do is stay the course. Stick to your budget, save for your future, review your debt burden and see where you can consolidate. Mountain America is here to guide you on your financial journey.
Sincerely,Sterling Nielsen
*federalreserve.gov/aboutthefed.htm and federalreserve.gov/faqs/money_12856.htm
It's any card for the win
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The Truth About Digital Banking
Technology has revolutionized the way we bank. With the rise of online services in the early 2000s and the explosion of mobile apps in more recent years, it’s never been easier to manage your money from home or on the go.
But how well do you know Mountain America’s digital banking? Let’s find out!
Fact or fiction?
Try digital banking today
If you aren’t already a believer, now is your chance to experience the numerous benefits of digital banking. Log in to online banking or download the app to start exploring.App StoreGoogle Play
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Which Mountain America card is right for you?
Did you know?
Global online shopping is expected to account for 20% of total purchases in 2024.¹
Answer these three questions to find your ideal card.
Explore all our card options
Everyone’s financial needs and preferences are unique—that’s why Mountain America offers four different cards.
Credit cards offer added consumer protection, rewards and the opportunity to build your credit history—which can help you qualify for other types of financing, such as mortgages and auto loans. If you’re interested in a credit card, we offer Low Rate, Rewards and Cash Back options.
Debit cards may be your preferred tool if you’re looking to more easily stick to your budget while enjoying the Visa® Zero Liability policy⁴ and the benefits of MyStyle® Checking. If you prefer to make purchases directly from your checking account, then a debit card is a great option for you.
2. See program rules for details.
3. Cash back is deposited into your primary savings account on a quarterly basis.
4. Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholder must use care in protecting their card and notifying their issuing financial institution immediately of any unauthorized use and for additional details.
5. Rate discount valid on select new loans only. Terms, conditions and exclusions apply. Some benefits require no-cost registration/activation.
INTRODUCING
According to a recent survey, 95% of U.S. high school students said that financial education has helped them in their everyday lives.* This is just one of the many reasons why Mountain America is dedicated to empowering youth with the resources they need to live financially successful lives.
To support this effort, we have recently launched a new, interactive online tool for teens called The Game of Money. This free resource simulates decisions that teens will face as they enter adulthood and provides them with realistic examples of how these choices will impact their monthly finances.
Here are a few of the beneficial topics this tool will cover:
Career choices
Explore potential careers and salary ranges.Taxes
See how much taxes affect income.Cell phone and internet
Get a reality check on how much these services cost.Student loans
Find new motivation to apply for scholarships and limit educational debt.Photographs © Nicholas Shearer (waterfall) and Jon Hafen (aspens) | 2024 Calendar Contest Winners
