Open Navigation Menu Log In Empty Nesters "Our kids have finally flown the coop. We're proud of them, but also happy we can shift the focus to our own financial future." Open an account Schedule an appointment Pages within at every stage of life After they move out, it's time for you to move forward. Children gone? So are the days that every time you turn around you're buying new clothes, electronic gadgets, and athletic gear. Instead, life offers a new financial outlook. Maybe it's time for a home equity loan that lets you live your own dreams, some retirement advice to help you get ready for the long run, or some information on student loans in case you're not quite finished being a parent. A Mid-Course Correction For years, the focus has been on your kids and their success. So you spent your time as a homework tutor, sports team (or dance troupe) chauffeur, and college financier. Now you can take a deep breath, high five yourself for some great parenting, and figure out financially where you go from here. You'll learn to like the lack of chaos in your house. You'll learn to like having time after dinner to do what YOU want. But you'll especially like the way money piles up once you're no longer covering all your kids' expenses. Just don't let it pile up in your checking account. Until you decide exactly where to focus your resources, maybe open a Money Market account, which pays higher dividends than most saving accounts while still offering easy access to your funds. Another answer is a short-term Savings Certificate which may pay a little more without tying up your investment funds for very long. Back to the house thing. It's not only quiet, but with only one or two people living there, it seems so big. Lots of people in your shoes think about downsizing. Chances are, it's been years since you've gone house-hunting. No worries. Our friendly Clearview lending team can explain the details of the various mortgages we offer and help you pick one that's right for you. Or if you feel like you need a more in-depth refresher course, our members have free access to GreenPath Financial Wellness, a financial planning organization that, among other things, offers online home-buying articles and e-courses. Or maybe you're happy right where you are. After all, those rooms hold a lot of great memories. So let's take all the effort you've made to pay down your mortgage and spruce up your house and work it to your advantage. That home equity you've built up can qualify you for a loan at a very low interest rate. We offer lump sum home equity loans, as well as lines of credit that allow you to access cash whenever you need it. The big takeaway is you can use the money however you want. A new Jacuzzi in the master bath for those relaxing evenings? Dive in. That trip to Toronto or Tahiti or Tokyo you've always dreamed of? Bon voyage. A motorboat to cruise our three rivers? Welcome aboard. Though you just completed one important phase of your life (parenting), another one (retirement) looms ahead. With the high cost of raising children, you may have fallen behind on your retirement savings. Let's play catch-up. Federal law allows you to contribute extra money annually to your 401(k) and Individual Retirement Account if you're over 50. And if you only have the 401(k), it's really time to supplement it with a Traditional or Roth IRA that can help build up your savings at a healthy pace while offering tax advantages, too. There's one last thing you'll realize as a parent: You're never really done. Even if your offspring is acing college or is crushing it in their career, they'll turn to you for financial advice. Are they in the market for that first credit card? Confidently advise them that Clearview's Student Platinum Mastercard will let them buy the stuff they need now and build their credit history over the long run. Shopping for their first car? Boldly state that Clearview offers low auto loan rates and can help them find the perfect vehicle through our Auto-Buying Resource Center. And if they come to you for more cash to finish off their higher education? Yeah, tell them that private bank is now closed, but everyone's favorite credit union has an online Student Loan Center they can lean on from here on out. Recommended for you Explore savings certificates I'd like to get the most of every dollar. With our Savings Certificates, you're sure to find an account that pays exceptional interest rates and moves you closer to your goals. “Clearview takes the time to understand the customer at a human level instead of as numbers on a paper.” William, Member since 2016 Learn More - Go to membership page Get helpful financial tidbits and good news straight to your inbox once a month! Submit link to facebook page link to instagram page link to twitter page link to youtube page link to LinkedIn page Popular links Contact us Financial calculators Find a location Open an account Apply for a loan View all rates About Clearview Clearview blog Clearview Cares ® Careers Refer a Friend Tell Us Your Story #BetterLife Helping people to enjoy a better life. Clearview Federal Credit Union offers valuable banking solutions including checking accounts, savings accounts, mortgages, personal loans, home equity loans, credit cards and more. Bank online, with our mobile app, or visit any of our convenient locations including Brentwood, Butler, Canonsburg, Center Township, Chippewa, Delmont, Hopewell Township, Kennedy Township, Latrobe, Lower Burrell, McMurray, Monroeville, Moon Township, Robinson Township, Sewickley, Shadyside, Wexford, PA and East Liverpool, OH. Routing number 243083237 Care Center 1-800-926-0003 M-F 8 a.m. - 6 p.m., Sat 9 a.m. - 2 p.m. Disclosures Online Privacy - opens in new window Privacy - opens in new window Sitemap Website Accessibility Copyright © 2021 Clearview Federal Credit Union