News and Events

 

For more than 80 years, Starkey has been helping individuals with intellectual disabilities in the Wichita area with employment, residential and life skills programs.

It looks to community partners – including Mid American Credit Union – to help provide those opportunities.

About 80 people work on-site at Starkey's work center, performing services like packaging and shipping, assembly, and collating and mailing for customers who contract with the nonprofit. Others work off-site at businesses.

For Mid American, Starkey employees assemble marketing materials for potential members and packets of information for new members and health savings account holders.Last fall, its employees help stuff nearly 270 backpacks with school supplies for Mid American's back-to-school drive supported by its members.

“It started with one job and now it keeps adding up,” said Starkey's marketing/sales representative Miranda Lomurno.

“Employment is so important for people with disabilities, and there often aren't chances for them to work in the community,” agreed Jamie Opat, director of communications. “We can provide our clients with those opportunities with partnerships with local businesses like Mid American. It's so important for our clients to have jobs where they are getting paid to lead an independent life.”

As part of Mid American's partnership with Starkey, staff from the credit union provide free lunch and learn seminars on-site on various financial topics, such as learning to budget or improving one's credit score.

“This has been the epitome of a great community partner who is helping us with our mission,” said Opat.

Starkey serves more than 500 clients in Sedgwick County. For more information about the nonprofit and its mission, see starkey.org.(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)

Workers at Starkey

By Brad Herzet, CEO

 

None of us has a problem spending money, but a lot of us have a problem managing our money. It takes a few lessons, some guidance and some skill to do that – it’s called financial literacy.


According to Fortune magazine, about two-thirds of Americans can’t pass a basic test on financial literacy. Overall, the U.S. ranks 14th in the world for financial literacy.


We know you work hard for your money and we want to help you become better at managing your finances. Having worked for years in lending services, I have seen many people struggle with the impact of a low credit score. You’ll face higher insurance and loan rates, you might be denied housing or you might have to put down utility deposits. Those are all challenges in trying to get ahead with your finances.


For several years, we have been helping youth understand how to manage money by providing hundreds of volunteer hours and sponsorship of a financial literacy curriculum in summer camps for disadvantaged youth in Wichita and for the Pando Initiative’s Reality U(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window) budget-simulation activity in area schools.


We’re also available to help members become more money smart. Providing financial literacy resources is part of us embracing the credit union industry’s philosophy of people helping people. Financial difficulties happen to all of us, so please reach out and see how we can help you. Our staff has been spending time in seminars to learn to become more financially literate themselves and can share some insights with you. Sometimes, our staff present on-site literacy seminars at our employer partners. Read our Money Matters blog, moneymatters.coop(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window), to pick up some financial tips. We’ve also partnered with Kansas Consumer Credit Counseling Service, which offers money management services, as well, and we can make a referral on your behalf, so there is no cost to you.


Take full advantage of your credit union membership and let us help improve your finances.


New coffee shop

Park Grounds Coffeehouse(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window) has opened its second location inside our northeast Wichita branch. Brittney Mathew opened her original store in Derby last year. She serves gluten-free products, along with premium coffee roasted by Wichita’s Reverie Coffee Roasters and locally sourced artisan loose leaf tea by Cozy Leaf and kombucha by Inspirit. 


Members who check in on Facebook at Park Grounds Coffeehouse, can save 10 percent off their total food and drink purchase. Hours are 7 a.m. to 6 p.m. Monday through Saturday. 

 

By Debbie Stang, Home Loan Officer

 

As leaves fall and colder weather approaches, it’s time for some spring cleaning in the fall, both outside and indoors.


Take advantage of nice autumn days to do these outside chores:

• Clean and store patio furniture. Drain garden hoses and blow out sprinkler systems. 

• Inspect and touch up any peeling paint on trims and railings. 

• Check external and garage doors to ensure they close tightly to keep out cold air and apply weather stripping, if needed. Check caulk around doors and trims and recaulk, if necessary. 

• Inspect and clean chimneys and flues, or hire a professional. 

• Clean gutters and downspouts. This often-overlooked chore can save you lots of money later as clogged gutters can damage a home’s walls and structure. 

• Plant trees and shrubs. With the soil still warm and the temperatures cooler, fall is the best time to do this kind of planting.


With shorter, colder days meaning more time indoors, make that indoor time more pleasant by taking care of these chores: 

• Wash windows. Clean blinds and other window treatments. 

• Vacuum and spot-clean upholstered furniture and cushions. 

• Schedule carpet cleanings before the busy holiday season.

• Wipe down common surfaces, like door knobs and light switches. With cold and flu season coming, do this regularly.

• Schedule a furnace check before chillier days and nights approach.

• Stock up on furnace filters and replace them monthly for better efficiency. 

• Clean vent covers and vacuum vents.

• Clean appliances. With holiday dinners coming up, it‘s likely you‘ll be spending more time in the kitchen. Clean the refrigerator thoroughly; remember to clean the door gasket and to vacuum the condenser coils. Clean and deodorize the dishwasher with baking soda on a damp sponge. Give the stove a good cleaning. 

• Dust lampshades and light bulbs and wash light fixtures. With shorter daytime hours, you‘ll want to keep your home well-lit during nights indoors.


If you find you need to make repairs, replace appliances or invest in some organizing tools for your fall “spring cleaning,” consider a second mortgage-home equity loan to finance those ventures. We’ll give you a $100 Lowe’s gift card to help out. To find our more or to apply for a second mortgage-home equity loan, go to the Loans section(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)


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By Steve Yokum, Financial Advisor, CUSA Financial Services, L.P.*

Saving for retirement is arguably the most important aspect in preparing for retirement. Having a carefully laid-out plan may help smooth the transition from working to retiring. The sooner you devise a plan, the more time you have to explore and evaluate your options. Taking these steps might make the difference between a successful retirement and a disappointing one.

For many workers, investing means having a portion of their paycheck systematically invested in an employer-sponsored retirement account. There are other investment products available, and developing a strategy that best suits your individual needs may be daunting. To avoid tackling this task alone, seek the advice of a trained professional.

One of the most important steps in building your retirement plan is being aware of your total household expenses. In retirement, you may find it necessary to live on a smaller portion of your pre-retirement income. For example, if you plan on retiring on 85% of your current income, consider carving out 15% of your current income and investing it in your retirement account. This strategy may help you prepare to live on a reduced income, boost your overall retirement account balance, and reduce your taxable income.

If you haven’t begun saving for retirement, don’t get discouraged. It’s never too late to start saving, but you should take that first step now!

As there often seems to be a limitless number of variables in navigating your retirement road map, the aid of an experienced financial professional can be an invaluable resource. Please visit with Steve Yokum for your no-cost, no-obligation appointment.



Contact Steve Yokum,Financial Advisor, CUSO Financial Services, L.P.* at Mid American Credit Union316.722.3921, ext. 182.


*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Mid American Credit Union has contracted with CFS to make non-deposit investment products andservices available to credit union members.

CUSO Financial Services, L.P. (CFS) does not provide tax or legal advice. For such guidance, consult your tax and/or legal advisor. Before deciding whether to retain assets in an employer-sponsored plan or to roll over to an IRA, aninvestor should consider various factors including but not limited to:i nvestment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum deductions and possession of employer stock.

 

By Emily Reinhardt, MoneyMatters.coop(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new 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window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)For a large majority of us, talking about money and our personal financial situation is really tough. It’s a verypersonal topic, and depending on the company, maybe it has a lot of detailsthat we’d like to keep private. Discussing money makes a lot of peopleuncomfortable for some reason. It definitely doesn’t have to be this way. Ifyou find it hard to communicate with your peers or your family about moneyand best financial practices, and how it relates to you, podcasts might bejust the thing for you to dive into.

Chances are we’ve all been stuck in a rut before. We know that our life and finances and health need a lot of TLC but we keep putting things off. Pretty soon we’re faced with the harsh reality of knowing we really need to make some healthy changes to get everything running smoothly again.

When you’ve finally sat down to start taking better care of your finances (and your life), where do you start? It’s overwhelming to do it all at once, but continuing to do nothing isn’t working so well. You’ll need a budget, a stronger credit score, a savings goal, and a debt repayment plan. And probably a lot more. It’s a lot to tackle, and the best way to dive in is to start small.

I’ve compiled a list of actionable steps that you can take today, so that you won’t feel that your finances are snowballing out of your control. Taking these small steps will make the big ones feel less daunting, I promise!

Open a separate bank account. Your checking account can’t be the only thing that carries you through life. Opening a savings account, or even a different savings account than you currently use, will allow you to intentionally put your savings in a safe place for the future. It can be for something specific, like your savings goals, or it can be your secret stash that you promise yourself you won’t touch. The exclusive use of only one checking account will make your finances more confusing, and it gets a little bit messy. Once you’ve opened a separate bank account, start contributing a portion of every paycheck into that account. Make it happen automatically if you really want to make things easy on yourself. Part of your paycheck should still go into your existing checking account for use on your bills and monthly expenses, but having a portion (as big as you can handle) going into a savings account automatically means that you’re putting that money in it’s safe place without ever having the temptation to spend it on something else. I have always noticed that when my bank account has more money in it, I start spending more. If I can hide the money in my savings account from myself, before it ever gets into my checking account, I am much better off.

Take a look at your credit score. Don’t ignore it any longer! Don’t just glance at your score, but take a good hard look at your credit report too. I was surprised to read that nearly 1 in 5 Americans have an error on their credit report. If you have never taken the time to look over yours, do it now! You could have inaccuracies that don’t line up with your actual credit history. A poor credit score can slow you down in all of your financial goals and endeavors, so take a good look at yours.

Consolidate your debt. If you’re stuck with credit card debt and interest rates of 20 percent or more, it might be helpful for you to consolidate your debt. This could potentially lower the payments you have to make each month. Be sure that you do your homework – compare interest rates from several lenders, and find your ideal repayment plan. If you do decide on the consolidation route, don’t close your old accounts just yet. Part of your credit history is scored on the history of your accounts, and closing an active account can actually harm your credit score.

Check in on your retirement savings. If you have a 401(k) but haven’t checked in on it in a while, you could be missing out on some great opportunities. If your employer has any sort of matching program, take full advantage of this. Contribute the maximum you’re allowed to contribute, and if you can’t afford that, contribute the maximum you can afford. While you’re still young, getting this savings habit locked in is so important. Retirement is something you’ll want to be saving for your entire life, not just a few stages in it. Do whatever you can to maximize your retirement contributions, and if you haven’t started yet, just get started. Your older self will thank you.

Cut your wasteful expenses. Are you still paying for Netflix but never use it? Are you too much of a regular at your local coffee shop? Cut the spending that has gotten out of hand and the spending that you’ve realized you don’t really need anymore. If a recurring expense has slipped your mind for even one month, chances are you aren’t using it enough to make it worth it. If you’re trying to save more, see how much spending you can cut and turn that into your savings contributions each month.

Sell your old things. Having too much stuff and not enough money is a problem. Try paring down your belongings to just the necessities. Listing your clothes or belongings that you no longer use on a reselling site like Craigslist or your localized Facebook Marketplace are two great places to start. If you’d like to try and get rid of most of it in one fell swoop, (Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)TRY HAVING A YARD SALE(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window).(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window) Make an effort to put away all of the money you earn reselling things. Maybe it’s your emergency fund that needs the extra padding, or maybe it’s your retirement account.

These are easy, actionable steps to take right now. They’re not huge and they won’t change your financial life overnight. They will get you on the right track for making you feel better about your finances, I promise.

By Emily Reinhardt, MoneyMatters.coop(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)

Equifax, a consumer credit report agency, announced that they experienced a massive security breach this week, which caused 143 million American's personal data to be stolen by hackers. The sensitive information included names, Social Security numbers, birth dates, addresses, and driver's license numbers. 

 

The following linksprovide basic information about the breach and what you can do as a consumer.Mid American is not able to confirm if your personal information was stolen asa result of the Equifax breach. 

 

· (Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)Equifax Cybersecurity Incident & Important (Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)Consumer Information Phone Number (Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)

· Equifax Response and Updates (Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)

· (Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)Federal Trade Commission Consumer Information: What to do(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)

· Freeze Your Credit at Trans Union(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window) or call 888-909-8872

· Freeze Your Credit at Experian(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window) or call 888-397-3742

 

By Emily Reinhardt, MoneyMatters.coop(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window)(Opens in a new window) 

Chances are, all of us have dreamed of what our lives might feel like if we had more money. We could finally take that dream vacation. We would have our emergency funds, retirement accounts, and personal savings built up. We might even drive a nicer car.

But in order to achieve financial dreams like these, we have to start looking at the money we have right now. We have to spend it wisely, save it strategically, and most importantly, hold ourselves accountable with our actions.

Making the promise to ourselves to pay off debts, to stabilize our savings, and to keep working towards our financial goals – and actually doing it. This is what accountability looks like. This will require a lot of self control and following through with committed action. Without actively holding yourself accountable, you’ll run into a lot of issues, but here are some ideas for how you can better rely on yourself and keep moving forward with your financial goals.

Take a good hard look at your spending habits. I used to justify unnecessary spending to myself all the time. Even when justifying my spending, the fact remains that I’ve spent money. More often than not, when I didn’t need to. If I’ve used a credit card for this, all it’s done is increased my debt. When you are keeping yourself in debt like this, there is no chance of getting out if you don’t change your actions. Often times people think an increase in income will help fix the problem, but perhaps more money creates the mindset that you can spend more too. Thus, keeping you in the cycle of spending in frivolous ways. Align your values to the way you spend your money. You’ll have to be very intentional with your practices. Nail down what you believe in, what you are living for, and what your goals are – and I mean really nail it down. This will give you a clear understanding of what your values are and the direction you need to move in. If a solid financial foundation is important to you, you’ll have to align your actions with your goals and focus deeply on seeing them come to life. Set your intentions and follow through with them.

Your investments need a chance to grow. If your lack of financially accountability leads you to using your investments like you use your bank accounts, always dipping in when you need to, you’ll never gain the return on those investments that you need. Allow the promises you make to yourself to actually mean something, otherwise you’ll never do what you said you’d do as your future self. If you find yourself constantly dipping into the funds you’ve tried to set aside for savings or investing, try something new. Create a new account that’s just set up specifically for your impulsive spending, or for your “just for fun” stuff. A lot of people have separate accounts for different things, and knowing you have a cushion for yourself might ease the pain of some of your spending habits and will allow you to feel like you still have some room for freedom when you’re working hard on your growth and financial stability.

An accountability partner is incredibly helpful. When I am having trouble holding myself and my finances accountable, I can see how easy it is to lie to myself about my spending. I will either ignore the problem all together, or will tell myself that it isn’t a big deal. But my goals are a big deal! I found that having friends, or close family as my accountability team makes things a lot easier. I might lie to myself about my finances, but I have a much harder time lying to someone I care about. Just like having a workout buddy, it helps to have someone with the same goals and hopes for their financial future that you have. Find that person and keep them close!

Break down your financial goals into small, attainable chunks. It’s harder to make progress on a goal like “save for retirement” than it is on a goal like, “save $500 for retirement by the end of the year." Make some short term goals that feed into your long term goals, and then you’ll have the chance to accomplish them. A big financial vision is important, but the small attainable goals are going to be the steps you need to take now, and they allow you to cut out the excuse making.

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For every backpack donated, MACU will fill that backpack with school supplies. In early August, the backpacks will be delivered to local schools to help students in need. Bring in a backpack and you will also be entered into a drawing to win a $100 VISA Gift Card. We are accepting donations June 4- July 20 and will have the backpack delivered to the chosen school early August for when they start school. 

1 backpack = 1 entry. 
Building through backpacks promotion