2024 Consumerscu - Get Started. It should only take about 5 minutes to register your account. If you're the primary account holder: Follow the steps below to confirm your identity and create a new password. If you're a joint account holder: You'll be able to have your own login.

 
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Car loans from Consumers Credit Union are available nationwide and range from $500 to $350,000, making it an option for many borrowers; you’ll find new, used, and refinance loans available. This lender also offers a relatively fast funding time, with loan funds available as soon as one day after approval.We would like to show you a description here but the site won’t allow us.Mortgage rates to welcome you home. Our mortgages offer competitive interest rates and flexible terms to help you move into your new home, whether you’re moving into a bigger place or you’re a first-time home buyer looking to get started with home ownership.. Take a look at our current credit union mortgage rates today to help …877-275-2228. HOURS (CST): Mon.-Thurs.: 9 am to 5 pm Fri.: 9 am to 6 pm Sat.: 9 am to 1 pm. Contacting Consumers Credit Union. Contact Us. Locations & Hours. The transfer of Meadows CU accounts, loans, cards, and services transferred to CCU is complete. You now have access to all the convenient services CCU offer.Overview / Commentary. www.consumerscu.org. 800-991-2221. 7200 Elm Valley Dr. Kalamazoo, MI 49009. Consumers CU (MI) is headquartered in Kalamazoo and is the 10 th largest credit union in the state of Michigan. It is also the 213 th largest credit union in the nation. It was established in 1964 and as of December of 2023, it had grown …We'd be glad to have you as a member. With over 75 years of stellar service under our belt, Keesler Federal Credit Union is not only the largest Mississippi-based credit union, but also one of the largest credit unions in the Southeast. Learn more about becoming a …Consumers EnergyThe Routing Number of Consumers Credit Union is 271989950. Contact Us. Locations & Hours.We'd be glad to have you as a member. With over 75 years of stellar service under our belt, Keesler Federal Credit Union is not only the largest Mississippi-based credit union, but also one of the largest credit unions in the Southeast. Learn more about becoming a …Make banking more convenient for you. Stop by Consumers Credit Union in South Haven for help with a full range of financial services, ATM access, and more.Unlimited check writing. Free Online banking , Mobile banking and Bill Pay. Over 30,000 ATM & over 5,000 shared branches. *CCU’s Free Rewards Checking account is a tiered rate account. Please see all terms and conditions on qualifying rate tiers. APY = Annual Percentage Yield. No minimum balance required. **We offer over 30,000 surcharge-free ...Put your home's equity to work with great rates and flexible terms using a home equity loan or line of credit. Buy The House You Want Now. Refinance Later and We’ll Cover Costs up to $3,500*. If rates drop within 36 months of your closing date, contact our team to have your refinance costs covered up to $3,500.Account Number. Your account number can be found on your statement, eStatement or in Online Banking. Log in to Online Banking. Click on the account name or tile. Click Details. The Consumers routing number is #272481839. Explore all FAQ.Deposits. Deposit checks easily, securely and electronically whenever you want to collect funds faster, store check images, export information for posting to your accounting system and minimize deposit preparation time. Use the Mobile Check Deposit feature in our Mobile App to conveniently deposit checks from your smartphone or tablet. Login. visibility. Remember Username. Forgot your username or password? how_to_reg Or, Register for Online Banking. Bill Pay. Online Bill Pay gives you flexibility in how you make payments by controlling when payments are made. When using Online Bill Pay, we may send your payment out in one of three ways: Check – the money will be moved from your account when the payee deposits the check. Cashier’s Check – the money will be removed from your account ...Use it to: • View account balances. • Transfer funds. • Pay bills. • Deposit checks. • Locate the nearest Consumers office or CO-OP ATM. Your transactions are safe and secure, protected by the most advanced security features available. The app is available to all Consumers Credit Union members currently enrolled in Online Banking. Login. Remember Username. Forgot your username or password? how_to_reg Or, Register for Online Banking. At Consumers Credit Union's Centre office in Portage, we can help with a variety of banking needs, including checking, savings, loans, investments, and more. Stop in, we're here to help. Northwest Consumers Federal Credit Union serves anyone who works, worships, attends school or lives in Grand Traverse County and their immediate families. Shopping malls have had a huge impact on consumer culture. Shown in the picture is the Mall of America, one of the largest malls in the US.. Consumer culture describes a lifestyle hyper-focused on spending money to buy material goods. It is often attributed to, but not limited to, the capitalist economy of the United States.During the 20th century, market …Stop by the 9th Street office of Consumers Credit Union and enjoy lots of great perks while you manage your finances, such as free Wi-Fi, shredding bins and more.Consumers Credit Union, Kalamazoo, Michigan. 11,525 likes · 413 talking about this. Based in Michigan. Federally insured by NCUA. Equal housing opportunity.We would like to show you a description here but the site won’t allow us.About this app. arrow_forward. Bank on the go anytime, from anywhere with the Consumers Credit Union Mobile Banking App: • Deposit checks. • Pay bills. • Check account balances. • Transfer funds. • Set alerts. • Send & receive secure messages.Routing # 226074946 | Phone: 718.266.2204 | Fax: 718-266-1976 |Consumers Energy is a public utility that provides natural gas and electricity to 6.6 million of Michigan's 10 million residents. It serves customers in all 68 of the state’s Lower Peninsula counties.Consumer Credit Union is a not-for-profit, cooperative savings and lending organization originally chartered by the Tennessee Secretary of State in February 1953. At Consumer Credit Union you will find a servant spirit along with an informed, dedicated, and friendly person who wants to get you what you want quickly and with a smile.Currently led by Kit Snyder, the Consumers CU has grown its membership to over 84,003 with assets of more than $905,883,758. They have a main office and 20 branch offices. Please see the credit unions website or contact them by phone at (269) 345-7804 or email them at [email protected] to get exact details . There are many other …Get Started. It should only take about 5 minutes to register your account. If you're the primary account holder: Follow the steps below to confirm your identity and create …Kalamazoo, MICH — Consumers Credit Union is excited to share the recent appointment of Scott Adams as chief risk officer, while Scott Schwartzfisher will join Consumers as office manager of the Centre Street Office.. As chief risk officer, Scott Adams is responsible for various risk functions at Consumers Credit Union, including …Home equity rates that hit a home run. With excellent rates on home equity loans and lines of credit, including financing options up to 100% loan-to-value, we help put the value in your home to work for you. Take a look at our home equity rates, including fixed rates and revolving rates, and reach out to see how we can help finance a …MEMBER SERVICE CENTER. 800.991.2221 or 269.345.7804 Mon-Fri, 8 a.m. until 7 p.m. Sat, 9 a.m. until 1 p.m.. MAILING ADDRESS. P.O. Box 525, Oshtemo, MI …Whether you're looking to consolidate debt, fix up your house, or handle any other major expense, Consumers Credit Union offers personal loans with competitive rates. Available as both secured personal loans and unsecured personal loans, these loans can be used for a variety of expenses that our other loans just can’t …Kalamazoo, MICH — Consumers Credit Union is excited to announce several changes and new additions to our executive leadership team, including Scott Sylvester, President & CEO; Lindsay Land, Chief Operations Officer; Bob Dunning, Chief Information Officer; and Scott Adams, Chief Risk Officer.. With more than 28 …Login. Remember Username. Forgot your username or password? how_to_reg Or, Register for Online Banking. Background. Consumers Credit Union headquarters is in Kalamazoo, Michigan has been serving members since 1964, with 29 branches and 29 ATMs. The Main Office is located at 7200 Elm Valley Drive, Kalamazoo, Michigan 49009. Contact Consumers at (269) 345-7804. Access Consumers Credit Union Login, hours, phone, financials, and additional member ... Visit the Milham office of Consumers Credit Union for help with a full range of banking services and lots of extras to help make banking more convenient.30-Yr Fixed Purchase 1. As low as. 6.875% APR*. APPLY NOW Learn More. Need help with something else? Visit our Connect & Support page. 800.991.2221. 269.345.7804.At the Plainfield office of Consumers Credit Union in Grand Rapids, we offer a full range of financial services, plus ATMs, free document shredding and more. Visit the Woods Lake office of Consumers Credit Union in Kalamazoo for help with a wide range of financial services and extra perks to make banking more convenient. We would like to show you a description here but the site won’t allow us. Routing # 272481839 . Consumers Credit Union is federally insured by the National Credit Union Administration. Login. visibility. Remember Username. Forgot your username or password? how_to_reg Or, Register for Online Banking. During the first 12 months, personal accounts with a minimum balance of $2,500 and a maximum of $250,000 will earn 0.50% APY. Balances of $250,000.01 or more will earn 0.10% APY. After 12 months, the account will earn 0.10% APY. Offer available on personal accounts only. Funds currently on deposit at Consumers Credit Union are not eligible for ... How to register for Remote Deposit Capture. Go to your app store to download the Mobile Banking app. Search for GR Consumers Credit Union and download the app. Select Remote Deposit Capture from the available features. Register for Remote Deposit Capture. Registration typically takes 1-2 business days for approval.United Consumers Credit Union, Independence, Missouri. 1.3K likes · 131 were here. United Consumers Credit Union exists to provide you with a safe, convenient place to save and to obtain loans at a...Locations & Hours. Our main office is conveniently located in Wyoming, MI on Clay Ave., just East of US-131, between 36th and 44th Streets. Our Campbell Branch is located on the site of the Consumers Energy J.H. Campbell Generating Facility in West Olive, Michigan.Visit the Milham office of Consumers Credit Union for help with a full range of banking services and lots of extras to help make banking more convenient.APY is accurate as of March 1, 2024. $1,000 opening deposit and minimum balance required. $250,000 maximum deposit per member. Account must be opened in-person at a Consumers office and with money not currently on deposit. Municipal, business and IRA funds are not eligible. During the term of the CD, you may …We would like to show you a description here but the site won’t allow us.Whether you’re looking for a new car loan or a used car loan, we’ve got some of the best auto loan rates and affordable payment options across Lower Michigan, available directly to you or through your chosen dealership. Apply online or contact an auto loan officer at 800.991.2221. View Rates Get Pre-approved FIND MY CAR.Deposits. Deposit checks easily, securely and electronically whenever you want to collect funds faster, store check images, export information for posting to your accounting system and minimize deposit preparation time. Use the Mobile Check Deposit feature in our Mobile App to conveniently deposit checks from your smartphone or tablet.Our digital banking experience will make managing your money on both computer and mobile devices faster and easier. With greater control and better insight, this upgraded technology provides custom views along with a complete financial picture. Explore our Better Online Banking page for more details. Below are some helpful answers to …With two different options for personal checking accounts, Consumers has the perfect checking option for any Michigan resident. All Consumers personal …Text Banking. Text Banking is an easy, fast and secure way of banking while using your phone's texting capabilities. With a Checking Account from Consumers Credit Union, you are able to …Show Pros, Cons, and More. Consumers Credit Union offers regular CDs and jumbo CDs. It has several terms lengths, and the most competitive rates …Consumer Credit Union is a not-for-profit, cooperative savings and lending organization originally chartered by the Tennessee Secretary of State in February 1953. At Consumer Credit Union you will find a servant spirit along with an informed, dedicated, and friendly person who wants to get you what you want quickly and with a smile. Visit the Muskegon office of Consumers Credit Union for help with a wide range of financial services and extra perks to make banking more convenient. New & Used Car Buying Guide. Whether you are looking for a fuel-efficient sedan for yourself or a certified pre-owned SUV for a second family car, Consumer Reports can lead you through the car ...WASHINGTON (AP) — Across the United States, many people are eagerly anticipating the Federal Reserve’s first cut to its benchmark interest rate …Whether you’re looking for a new car loan or a used car loan, we’ve got some of the best auto loan rates and affordable payment options across Lower Michigan, available directly to you or through your chosen dealership. Apply online or contact an auto loan officer at 800.991.2221. View Rates Get Pre-approved FIND MY CAR. Our Online Banking system offers 24/7 banking. You can open new accounts, transfer money, make payments, view transaction history, update contact information and much more. You will need your member number to enroll in Online Banking. Click here. Complete the enrollment steps. With two different options for personal checking accounts, Consumers has the perfect checking option for any Michigan resident. All Consumers personal …How to get a loan payoff amount. It's easy to obtain the total payoff amount for a loan. Simply click the link below to get started. Information needed for the payoff amount include the loan account number, vehicle identification number (VIN), or social security number associated with the loan. Loan Payoff Tool. Visit the Woods Lake office of Consumers Credit Union in Kalamazoo for help with a wide range of financial services and extra perks to make banking more convenient. Our Online Banking system offers 24/7 banking. You can open new accounts, transfer money, make payments, view transaction history, update contact information and much more. You will need your member number to enroll in Online Banking. Click here. Complete the enrollment steps. A routing number, also known as the transit or ABA number, is a number that identifies Consumers Credit Union to other financial institutions within the United States. The routing number for Consumers Credit Union is 272481839. Explore all FAQ. CCU Money Markets are high-yield savings accounts with flexibility and monthly compounding, and now we've added an extra rate tier of $250,000 plus! These …Preferred Checking. Earn dividends on balances of $1,000 or more; Waive the low monthly service fee by maintaining balance requirement; Unlimited check writingUse Another Bank or Credit Union’s Bill Pay Service. To set up payments from another financial institution, you will need to provide your loan number and the following mailing address: P.O. Box 11733. Newark, NJ 07101-4733. Note: Bill Pay is not always electronic and there may be a delay in delivery of your payment to CCU.Kalamazoo, MICH — Consumers Credit Union is excited to announce several changes and new additions to our executive leadership team, including Scott Sylvester, President & CEO; Lindsay Land, Chief Operations Officer; Bob Dunning, Chief Information Officer; and Scott Adams, Chief Risk Officer.. With more than 28 …Use Another Bank or Credit Union’s Bill Pay Service. To set up payments from another financial institution, you will need to provide your loan number and the following mailing address: P.O. Box 11733. Newark, NJ 07101-4733. Note: Bill Pay is not always electronic and there may be a delay in delivery of your payment to CCU.At the Mattawan office of Consumers Credit Union, we can help with a wide range of financial services while offering lots of extras to make banking more convenient.From credit cards and checking accounts to mortgages, loans and more, the Gull Road office of Consumers Credit Union in Kalamazoo helps make banking convenient.New & Used Car Buying Guide. Whether you are looking for a fuel-efficient sedan for yourself or a certified pre-owned SUV for a second family car, Consumer Reports can lead you through the car ...Whether you’re looking for a new car loan or a used car loan, we’ve got some of the best auto loan rates and affordable payment options across Lower Michigan, available directly to you or through your chosen dealership. Apply online or contact an auto loan officer at 800.991.2221. View Rates Get Pre-approved FIND MY CAR.For programs to help with loan payments, please contact Member Solutions. 816-521-2000. [email protected].Diamond crater state park, Realty mogul, Riverwind casino ok, J and j trash, Aurora vca hospital, Tenlivesclub, Amos funeral home, Denta quest, Unrwa usa, Dt kirbys, Preborn, Nebraska emergency, Knott street dermatology, Pinball museum alameda

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P.O. Box 525, Oshtemo, MI 49077-0525 | 800.991.2221 | www.consumerscu.org Rates and Fees Schedule CONSUMERS CREDIT UNION. Savings, IRA, Money Market and Checking Accounts Account Type Interest Rate Annual Percentage Yield (APY) Minimum Opening Deposit Minimum Daily Balance to Avoid Fees Minimum …Get unbiased ratings and reviews for 9,000+ products and services from Consumer Reports, plus trusted advice and in-depth reporting on what matters most.Visit the 54th St. office of Consumers Credit Union in Wyoming for help with a wide range of financial services and extra perks to make banking more convenient. You will need your Member Number to enroll in Online Banking. Pick the option below that fits you best: New user: I’ve never used Consumers Online Banking before. Click here to learn how to enroll. New business user: I’m a business member and have never used Consumers Online Banking before. Click here to learn how to enroll. 24-hour member service with live representative; during normal CCU business hours call 877.275.2228 or after hours call 866.820.3842. For more information or to apply by phone, please call 877.ASK.CCCU (877.275.2228). See CCU's Visa application disclosure for details. The CCU Platinum Rewards Visa® credit card includes all the great features ...Membership. About Us; Community Care; Member Perks; Careers; Scholarships; News; Security; Events; Seminars/Speakers; #StickWithConsumersCU; Open Account; Education. Articles Financial management tips and information to help you plan for today and tomorrow.; Videos Watch our team in action sharing money …Make banking more convenient for you. Stop by Consumers Credit Union in South Haven for help with a full range of financial services, ATM access, and more.Get unbiased ratings and reviews for 9,000+ products and services from Consumer Reports, plus trusted advice and in-depth reporting on what matters most.Membership. About Us; Community Care; Member Perks; Careers; Scholarships; News; Security; Events; Seminars/Speakers; #StickWithConsumersCU; Open Account; Education. Articles Financial management tips and information to help you plan for today and tomorrow.; Videos Watch our team in action sharing money … Stop in, we're here to help. Northwest Consumers Federal Credit Union serves anyone who works, worships, attends school or lives in Grand Traverse County and their immediate families. Access to all your banking needs when away from home. Thousands of shared branches to serve you. Get money orders, gift cards, stamps and more. Surcharge-free ATM privileges for savings and convenience. So even when you're far away from Consumers Credit Union, we're always by your side, ready to service you through one of our CU Branches ... Routing # 272481839 . Consumers Credit Union is federally insured by the National Credit Union Administration.About us. Headquartered in Kalamazoo, Michigan, Consumers Credit Union has more than $1.4 billion in assets and has averaged 18% annual growth for 30 consecutive years. Locally owned since 1951 ...With a Serious Interest Checking® high interest checking account, you can earn 4.00% APY* on balances up to $15,000 when you have 12 posted debit card transactions per month, a $1,000 average daily balance, $1,000 minimum recurring monthly direct deposit and eStatements. A high yield account from …We'd be glad to have you as a member. With over 75 years of stellar service under our belt, Keesler Federal Credit Union is not only the largest Mississippi-based credit union, but also one of the largest credit unions in the Southeast. Learn more about becoming a …Car loans from Consumers Credit Union are available nationwide and range from $500 to $350,000, making it an option for many borrowers; you’ll find new, used, and refinance loans available. This lender also offers a relatively fast funding time, with loan funds available as soon as one day after approval.Membership. About Us; Community Care; Member Perks; Careers; Scholarships; News; Security; Events; Seminars/Speakers; #StickWithConsumersCU; Open Account; Education. Articles Financial management tips and information to help you plan for today and tomorrow.; Videos Watch our team in action sharing money …From credit cards and checking accounts to mortgages, loans and more, the Gull Road office of Consumers Credit Union in Kalamazoo helps make banking convenient.Consumers Credit Union is a credit union founded in 1951 and is headquartered in Kalamazoo, Michigan.. History. Consumers Credit Union was founded in 1951 under the name Kalamazoo Consumers Power Company (KCPC) Employees Federal Credit Union, a credit union for employees of Consumers Energy. Consumers became a state-chartered …We would like to show you a description here but the site won’t allow us.Stop in, we're here to help. Northwest Consumers Federal Credit Union serves anyone who works, worships, attends school or lives in Grand Traverse County and their immediate families.CCU's mobile banking application allows you to view account history, make balance inquiries, transfer funds, and even find the nearest Consumers Credit Union service center, CO-OP ATM, or Shared Branching location. CCU's free mobile banking application for Android has identical functionality to the iPhone app, but runs on …Use Another Bank or Credit Union’s Bill Pay Service. To set up payments from another financial institution, you will need to provide your loan number and the following mailing address: P.O. Box 11733. Newark, NJ 07101-4733. Note: Bill Pay is not always electronic and there may be a delay in delivery of your payment to CCU.Earn cash back with the Consumers Cash Back Card anytime for any purchase. Then turnaround and redeem for cash rewards or statement credit. Earn unlimited 1.50% cash back anytime for anything. No annual fee and Member Perks (for just using your card at select vendors) Easy monitoring and payment within Online …It's your money — own it. Free Courses. TRUE Community Credit Union offers financial products and services with integrity and dependability to Jackson, Lansing, Mason, and surrounding Michigan areas.1-855-710-3061 - Lost/Stolen Cards. 1-866-985-2273 - PIN Change. 1-888-918-7313 - Fraud Department. Sign Up for Alerts. Sign Up for Debit Card Alerts. Sign Up for Credit Card Alerts. 1099-INT. Click here for information on your 1099-INT. GR …877-275-2228. HOURS (CST): Mon.-Thurs.: 9 am to 5 pm Fri.: 9 am to 6 pm Sat.: 9 am to 1 pm. Contacting Consumers Credit Union. Contact Us. Locations & Hours. The transfer of Meadows CU accounts, loans, cards, and services transferred to CCU is complete. You now have access to all the convenient services CCU offer.AUTO RATE. 30-Yr Fixed Purchase 1. As low as. 6.500% APR*. APPLY NOW Learn More. Need help with something else? Visit our Connect & Support page. Ready to begin applying for a mortgage? Find a Consumers Credit Union mortgage loan officer near you and begin the application process online. Consumers Credit Union offers online and mobile banking platforms to help you manage your accounts, pay bills, transfer money, deposit checks and more. You can also access your credit score, apply for loans, set up alerts and use mobile wallets with your credit union account. Mortgage rates to welcome you home. Our mortgages offer competitive interest rates and flexible terms to help you move into your new home, whether you’re moving into a bigger place or you’re a first-time home buyer looking to get started with home ownership.. Take a look at our current credit union mortgage rates today to help …Consumer Reports is a trusted voice among millions of American consumers for safety, fairness, and honesty in the marketplace. We’re independent, nonpartisan advocates who work with policymakers, consumers, and industry to keep products and services safe, reliable, and fairly priced. Here's our story. Trust CR. Watch on.Weekley joined TVFCU in 2019 after spending five years at ORNL Federal Credit Union ($3.1 billion, Oak Ridge, Tenn.) as vice president of mortgage lending. Throughout his 25-year career, he has ...More Tools. Series Report --Already know the series identifier for the statistic you want? Use this shortcut to retrieve your data. Text files --For those who want it all. Download a flat file of the entire database or large subset of the database. Consumer Price Index (CPI) Login. visibility. Remember Username. Forgot your username or password? how_to_reg Or, Register for Online Banking. Contact Your Credit Union Directly. Call your credit union directly to find out if it is indeed the sender of the text you received. Your credit union will most likely want to investigate the scam if it isn't. Use the number printed on the back of your credit union debit card or listed on its official website. Get Started. It should only take about 5 minutes to register your account. If you're the primary account holder: Follow the steps below to confirm your identity and create a new password. If you're a joint account holder: You'll be able to have your own login. We would like to show you a description here but the site won’t allow us.Minimum Opening Deposit. $5. Show Pros, Cons, and More. The Consumers Credit Union Free Rewards Checking Account has a tiered interest rate that rewards you up to 5.00% if you meet specific ...Membership. About Us; Community Care; Member Perks; Careers; Scholarships; News; Security; Events; Seminars/Speakers; #StickWithConsumersCU; Open Account; Education. Articles Financial management tips and information to help you plan for today and tomorrow.; Videos Watch our team in action sharing money management tips and …CCU's mobile banking application allows you to view account history, make balance inquiries, transfer funds, and even find the nearest Consumers Credit Union service center, CO-OP ATM, or Shared Branching location. CCU's free mobile banking application for Android has identical functionality to the iPhone app, but runs on …Also from Sage. CQ Library Elevating debate opens in new tab; Sage Data Uncovering insight opens in new tab; Sage Business Cases Shaping futures opens in new tab; Sage Campus Unleashing potential opens in new tab; Sage Knowledge Multimedia learning resources opens in new tab; Sage Research Methods Supercharging research opens in …Consumer Culture Theory was introduced by Arnould and Thompson in 2015 an it is defined as a group of studies addresses dynamic relationships between consumer actions, the marketplace and cultural ...Consumers Credit Union has custom-tailored has custom-tailored credit union mortgages and home loans, with rates and terms that can help you get into your dream home. With some of the fastest mortgage approval times in Michigan, and the ability to draw up a home loan that can meet your unique financial situation, …Open an Account. Whether you’re already a member or new to Consumers, you’re only. a few clicks away from a new account to help you reach your financial goals. Open an Account. Mortgage. Checking Account. Savings Account. Personal Credit Cards. Auto Loan.A routing number, also known as the transit or ABA number, is a number that identifies Consumers Credit Union to other financial institutions within the United States. The routing number for Consumers Credit Union is … Consumers Credit Union has custom-tailored has custom-tailored credit union mortgages and home loans, with rates and terms that can help you get into your dream home. With some of the fastest mortgage approval times in Michigan, and the ability to draw up a home loan that can meet your unique financial situation, Consumers can turn your dream ... Bank how you want, when you want.https://linktr.ee/consumerscu Federally insured by NCUA. NMLS# 414712Consumers United Association recognizes that many people are suffering through periods of unemployment or loss of income for other reasons during difficult economic times. 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