Made to Impact starts the change today that
resonates the rest of your life.

Close the Gap Between Your Needs
and Your Benefits Package

You may feel like today’s benefits programs are out of touch. While a 401k or other retirement funds are great tools, they do little to improve your outlooks when you’re struggling to pay the bills each month. That’s where Made to Impact comes in, with a benefit that doesn’t just assume you’re ready to fully fund your retirement, but frees you from the burden of debt and expenses.

01.  Overcome

We want you to be able to live out every aspiration. But first, we understand you may have some challenges to overcome – and we’re here to help. From school debt to medical bills and expenses, a lot can keep you from achieving your financial goals and finding financial harmony.

Income Access Line of Credit*
  • Easily and affordably bridge your cash flow so that you’re covered if there’s an emergency without having to pay ridiculously high payday loan rates – ever again
  • A revolving line of credit from $500 to $2,000
  • Low monthly payments equal to 3% of the outstanding balance or $25 – whichever is greater
  • Easy access via ATM, wire, or external transfer

02.  Save for

It may be difficult to think about saving for a brighter future when everyday financial challenges get in the way, but Made to Impact can help. We make it easy to save by providing you with a way to create a savings program that suits you – and your hopes for the future.

Emergency Savings Account

  • Incentives for savings milestones*
  • APY* earned on balances over $250
  • Debit card, wire, or external transfer access

03.  Eliminate

We understand that high-interest debt can weigh you down – and we have a way out from under it. By reducing your monthly payments, you’ll be able to free yourself from that debt, improve cash flow, build savings, and live life on your terms.

Debt Elimination Loan*
  • Competitive rates on loans from $2,500 to $50,000
  • Direct payoff to creditors
  • Reduces high interest loans into one low interest loan and payment
  • $50 incentive when they open a loan within 30 days of enrolling in Made to Impact, and again when they’ve paid down 50% of the original loan amount4

04.  Plan for
       The Future

Made to Impact is made to change the way you think about the future. We do that by giving you the solutions you need to make the seemingly impossible… possible. And you’re well on your way. After overcoming challenges, saving for emergencies, and paying off debt, financial security is within reach. With your next step, you are ready to build a stronger tomorrow by saving for life’s big milestones.

Long-Term Savings Account

  • No monthly fees
  • Tiered rate structure
  • Multiple account buckets to identify savings goals like a vacation, wedding, or buying a home

05.  Make an

You’ve worked hard, removing financial barriers and securing your financial freedom. And now it’s time to live your purpose and make your own life even better… by making a difference in the lives of others.

Impact Giving Account

  • Pays success forward by contributing to the Made to Impact Foundation, which provides grant opportunities for emergency assistance directly to your co-workers in need
  • Maximizes impact as success grows

    Terms & Conditions

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    Income Access Line of Credit

    The Income Access Line of Credit provides an affordable solution for immediate cash needs and is subject to credit approval.  This is a variable rate revolving line of credit based on the highest prime rate as published in the Wall Street Journal on the 25th day of each month.  This line of credit has a 10% Annual Percentage Rate (APR) floor rate and a 15% APR ceiling rate with a 5% margin.  The line of credit minimum is $500, and maximum is $2,000 based on the applicant’s per period pay.  Monthly payments will be equal to 3% of the outstanding loan balance or $25, whichever is greater.  The Emergency Savings must be setup as a repayment source for the Income Access Line of Credit.  Funds from this account can be accessed via ATM, wire transfer, or external transfer.

    Emergency Savings Account

    This account serves as the Red Rocks Credit Union membership account and helps participants save for emergencies. This account earns dividends for a daily balance equal to at least $250.00 during each dividend period. For current rates see www.redrocks.org. Incentives are paid for savings milestones: $25 for milestones at $500, $1000, $1500, and $2000. In order to qualify for the incentives,the participant must be actively enrolled in theonline Made to Impact (MTI) platform and must have $50 per month in automatic deposits for the three months leading up to the milestone incentive payout. Deposits must be new money not already on deposit at Red Rocks. Only one account per member and one lifetime round of incentive payouts is allowed. Participants are encouraged to conduct no more than 3 withdrawals per month. Education will be provided to those that exceed 3 withdrawals per month and Red Rocks may reach out directly to those consistently exceeding three withdrawals per month to discuss a checking account or other beneficial product(s). Funds from this account can be accessed via debit card, ATM, wire transfer, or external transfer.

    Debt Elimination Loan

    The Debt Elimination Loan can assist in eliminating debt and freeing up cash flow. This loan is subject to credit approval. Loan amounts available from $2,500 to $50,000 with terms up to 60 months. Direct payoff to creditors may be required. Participants will receive a $50 incentive (deposited into their Emergency Savings Account)when opening a Debt Elimination Loan within 30 days of opening an Emergency Savings Account. For existing Red Rocks members, the incentive will be paid when they open the Debt Elimination Loan within 30 days of their Made to Impact program rollout date. An additional incentive will be applied to the participant’s Debt Elimination loan balance when they have paid down half of the original Debt Elimination Loan amount. In orderto qualify for the incentives, the participant must be actively enrolled in the online Made to Impact (MTI) platform and have $50 per month in automatic deposits into their Emergency Savings Account or Long-Term Savings Account for the three months leading up to the milestone incentive payout. Deposits must be new money not already on deposit at Red Rocks. Only one lifetime incentive payout on one debt elimination loan per member. The loan must be current at the time the loan balance reaches the qualifying level for the incentive.

    Long-Term Savings Account

    The Long-Term Savings Account provides a vehicle for future-focused goal saving.  This account earns dividends for a daily balance equal to at least $250.00 during each dividend period and has a tiered interest rate structure that allows the participant to earn higher dividends as they save more. For current rates see www.redrocks.org.

    Impact Giving Account

    The Impact Giving Account allows you to make a difference by designating contributions to the Made to Impact Foundation (MTIF), a 501(c)(3) public charity.  MTIF provides grant opportunities for emergency assistance to deliver financial assistance to those who need it most. Red Rocks will make a one-time donation to MTIF on your behalf and you may designate additional funds to your Impact Giving Account at any time.  When you contribute or transfer funds to your Impact Account, you are making a non-refundable charitable contribution to MTIF. You will receive a charitable contribution receipt for all contributions and transfers you make into your Impact Account.  Your contributions may be tax-deductible depending on your personal tax situation.  You may not take a charitable contribution deduction for funds transferred into your Impact Account by your employer, Red Rocks Credit Union, or others.  All funds in your Impact Account are assets of MTIF.  You may recommend Impact Account funds to support Campaigns that appear on the Made to Impact Platform or website.  Your Impact Account is not a “donor-advised fund.”  You may not recommend grants from your Impact Account to other charitable organizations.  Impact Account funds may be used only to support MTIF-approved Campaigns or for transfers to other Impact Accounts held by MTIF.

    *Subject to credit approval. Subject to change without notice. To qualify for membership at Red Rocks CU, applicant must meet minimum membership requirements of a 525 or higher credit score through Experian, and positive banking history with other financial institutions. Certain restrictions apply. 

    Discover the impact of addressing your financial journey today, while setting yourself up for tomorrow.