Illinois Credit Unions are invited to participate in the REAL Solutions Program. General Information about the program is available. Click on any of the links below to access additional information.
Filene Innovations Webinar (6/14/13) - Recording
Filene Innovations Webinar (6/14/13) - Handouts
Retirement Fair - Webinar Recording
Retirement Fair - Webinar Handouts
Retirement Fair - Resources for Trainers
FiCEP 2013 - Information
FiCEP 2013 - Enrollment Form
RS Resources & Ideas - 11/27/12 articles
Debt in Focus 2013 - Information
Debt in Focus 2013 - Enrollment Form
Debt in Focus 2013 - Powerpoint Slides (PDF)
REAL Solutions Resources
There is a wealth of material available from past REAL Solutions meetings and events. Click on the link below to access the resources for REAL Solutions Webinars & Meetings from 2008 to present.
REAL Solutions Recordings and Resources
What is REAL Solutions?
The REAL Solutions® program – Relevant, Effective, Asset-building and Loyalty-producing is the signature program of the National Credit Union Foundation. The strength of the program is built upon the role each partner brings to the alliance. It’s truly a cooperative collaboration.
There are currently 35 leagues representing 37 states and over 1,100 credit unions participating in REAL Solutions®. Leagues mobilize the cooperative efforts of participating credit unions, enabling a sharing of ideas and best practices to help low-wealth households achieve financial freedom.
The REAL Solutions® approach aligns products and services with the basic needs of low-wealth consumers. Often times traditional credit union products are modified in some way to meet these basic needs. Participating credit unions are often willing to break new ground in their outreach efforts to serve un-banked and under-banked households. Their successes and their lack of successes are shared with their peers, creating a knowledge base from which all can draw.
The following programs, products and services are part of the REAL Solutions program:
Check-Cashing for non-members
Debt in Focus Online Program
Financial Counseling for Members - Includes FiCEP-certified staff, Balance, Green Path, etc.
Financial Education for Adults - Includes seminars for members, workshops for non-members, SEGs, community, online education tools/programs
Financial Education for Youth - Includes NEFE, in-school branches, financial reality fairs, Biz Kid$, classroom presentations, tours of CU, Operation Hope, etc.
Financial Products for Youth - Includes no-fee savings accounts w/ low minimum balance & opening deposit < $25, checking accounts, debit cards, CDs, etc.
First Time Home Buyer Program
Generation-Focused Products - Includes Matrimoney (R), Accounts for Seniors, Student Loans, etc.
IDAs (Individual Development Accounts)
Immigrant Outreach - Includes citizenship loans, international wire transfers, multi-lingual, multi-cultural staff, "Safe" accounts, etc.
Non-Predatory Mortgages or Home Equity Loans
Pre-Paid Debit Card for people with no/bad credit
Risk Based Loans
Second-Chance Checking Accounts
VITA - Volunteer Income Tax Assistance Program
Small, Short Term Loan Program - ALL loans for less than $1,000 with repayment terms of less than 12 months (payday alternative loans are included
To learn more about the REAL Solutions® program in Illinois, contact Melanie Murphy at firstname.lastname@example.org.