LPL Financial Services is Saginaw Medical Federal Credit Union's financial partner. All of SMFCU's members are encouraged to take advantage of their services for investment, taxes, estate planning retirement planning and miscellaneous personal finance.  To learn more about LPL or to contact your financial advisor Click here !

What you can do to implement your own sound financial management plan

Saginaw Medical has teamed up with Accel, a financial education and counseling program, to provide you with FREE access to money management and financial education services.  Accel can give personalized answers to your individual needs.  For issues ranging from a proactive savings plan to saving a home from foreclosure, advice is only a phone call away.  Accel counselors are available Monday through Thursday 8 a.m. to 12 a.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 1 p.m.  To use this FREE new service, simply call toll-free 1-877-332-2235 or visit www.accelservices.org.	A checking account is an important money management tool. Whether you are looking to open a checking account for the first time or you have had difficulty handling an account in the past, CheckRight is designed to teach you how to manage your checking account. Among other things, the program will help you learn how to: Open an account Write checks Make deposits Reconcile your account Create a spending plan To use this FREE service click on the Check Right logo above.	BudgetSmart is a new and exciting FREE software program exclusive to Saginaw Medical.  You can use the program to; establish a budget, track spending, view tips for improving areas of overspending (or inadequate saving), and experiment with "what if" scenarios to determine how a major purchase or change in income would impact your budget. If you've been lookin for a quick and easy way to get started on your budget - then BudgetSmart is for you!  Click HERE to download the FREE software. BudgetSmart USER GUIDE Budget Smart FAQ