Saving at Every Stage

Saving doesn’t have to be overwhelming. With tools and programs designed for every age—from toddlers to working adults—there are more ways than ever to build financial security.

🐣 Start Young with ECCU

Educational Community Credit Union (ECCU) offers fun, rewarding savings accounts that grow with your child:

• Stork Club (ages 0–5): A $5 bonus with your first $10 deposit
• Kirby Kangaroo Club (ages 5–12): Kids earn “Kirby Bucks” for saving and good grades
• CU Succeed (ages 12–18): Free checking, online access, and rewards for academic success

These programs help kids build smart money habits early—and with excitement.

💡 Smart Ways to Build Savings

• Use a simple rule: The 50/30/20 rule—50% needs, 30% wants, 20% savings
• Automate it: Recurring transfers make saving effortless
• Pause before buying: Wait 24–48 hours before making non-essential purchases
• Review monthly costs: Cancel subscriptions or services you no longer use

And when it comes to long-term goals—especially education—start planning today.

✨ Start today: educationalccu.org/savings Available to full and part-time employees

🎓 Plan for Education: MOST 529 & MSU Fee Waiver

Missouri MOST 529

Available to full and part-time employees, this tax-advantaged plan helps you save for education expenses like:

• K–12 tuition
• College or trade school
• Student loan repayment

📘 Learn more: missourimost.org

MSU Credit Course Fee Waiver

Missouri State University full-time employees can take up to 15 credit hours per year without paying standard course fees—and the benefit is transferable to eligible dependents.

It’s a great way to pursue or support higher education while saving thousands.
📘 Details: missouristate.edu/Human/credit-course-fee-waiver

💬 Financial Wellness Support from EAP

Need help managing your finances? Mercy’s EAP Financial Assist offers free, confidential consultations for full and part-time employees and household members on:

• Budgeting and debt management
• Credit repair and foreclosure prevention
• Saving for home buying or education

📅 Available Monday–Friday, 9 a.m.–10 p.m. EST
📞 Call 800-413-8008 (option #2)

Online, you’ll also find helpful tools—articles, calculators, and checklists—to support your goals.

https://helpwhereyouare.com/CompanyLogin/1515/mercy

• Username: MSU
• Password: MSU

For HR news, benefits updates, and professional development opportunities, follow the HR Blog.

For employee wellness tips and initiatives, follow the Wellness Blog.