What are the opening hours?

Monday 8am - 5pm Tuesday 8am - 5pm Wednesday 9am - 5pm Thursday 8am - 5pm Friday 7:30am - 5:30pm Saturday 8am - 12pm

Aegis Credit Union

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Clinton, IA
Aegis Credit Union

Aegis Credit Union has been locally owned since 1979 and currently serves over 3,700 members.
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Aegis Credit Union has been locally owned for over 30 years and currently serves over 3,200 member families. Our mission is to provide a full range of financial services for our members that are competitive and responsive to changing environments, while maintaining a safe, cost effective, efficient, and productive overall operation.

10/15/2026

Still ‘winging it’ with your money? Let’s change that.

Without a clear target, your money tends to disappear into the "void" of daily expenses. A realistic, written plan acts as a GPS for your paycheck, ensuring you actually arrive at the future you want. When your goals are clear, it becomes much easier to stay focused and avoid the stress of financial uncertainty.

How to Build Goals That Stick:

𝟭. 𝗗𝗲𝗳𝗶𝗻𝗲 𝘁𝗵𝗲 "𝗪𝗵𝘆": Connect your goal to an emotion, like the peace of an emergency fund.

𝟮. 𝗨𝘀𝗲 𝘁𝗵𝗲 𝗦𝗠𝗔𝗥𝗧 𝗙𝗿𝗮𝗺𝗲𝘄𝗼𝗿𝗸: Make goals Specific, Measurable, Achievable, Relevant, and Time-bound.

𝟯. 𝗧𝗶𝗲𝗿 𝗬𝗼𝘂𝗿 𝗧𝗶𝗺𝗲𝗹𝗶𝗻𝗲: Separate goals into Short-term (vacation), Mid-term (car), and Long-term (retirement).

𝟰. 𝗧𝗵𝗲 "𝗣𝗶𝘃𝗼𝘁" 𝗥𝘂𝗹𝗲: If life happens, adjust the timeline; but don't abandon the goal.

You don't have to reach the mountain top overnight; you just need to know which way you're walking. Plan your future with us.

10/13/2026

Christmas club checks are now available to be picked up at the 2nd Street branch. 🎅🤶

10/13/2026

Are hidden fees quietly draining your money?

Small fees act like a slow leak in a bucket; eventually, they’ll leave you empty without you even noticing. From "zombie" subscriptions to out-of-network ATM charges, these micro-costs can add up to hundreds of dollars a year. Knowing exactly where your money is quietly disappearing is the first step to keeping more of what you earn.

Common "Money Leaks" to Plug:

● 𝗔𝗧𝗠 "𝗗𝗼𝘂𝗯𝗹𝗲-𝗗𝗶𝗽𝘀": Fees from both the machine owner and your bank for out-of-network use.
● 𝗣𝗮𝗽𝗲𝗿 𝗦𝘁𝗮𝘁𝗲𝗺𝗲𝗻𝘁 𝗙𝗲𝗲𝘀: Charges of $2–$5 just to mail a physical document you could get for free online.
● 𝗜𝗻𝗮𝗰𝘁𝗶𝘃𝗶𝘁𝘆 𝗖𝗵𝗮𝗿𝗴𝗲𝘀: Penalties applied just because you haven't moved money recently.
● 𝗠𝗶𝗻𝗶𝗺𝘂𝗺 𝗕𝗮𝗹𝗮𝗻𝗰𝗲 𝗣𝗲𝗻𝗮𝗹𝘁𝗶𝗲𝘀: Monthly fees triggered if your balance dips for even one day.
● 𝗙𝗼𝗿𝗲𝗶𝗴𝗻 𝗧𝗿𝗮𝗻𝘀𝗮𝗰𝘁𝗶𝗼𝗻 𝗙𝗲𝗲𝘀: The 3% " convenience fee" on international sites or vacation snacks.

Taking thirty minutes to audit your statements can save you a fortune. Your hard-earned cash belongs in your pocket. Keep more of what you earn.

10/08/2026

You don’t need to save big; you just need to save consistently.

The biggest mistake people make is waiting for "leftover" money at the end of the month to save. In reality, life finds a use for every dollar, and there is rarely anything left unless you plan for it from day one. Consistency is powerful because it builds the "saving muscle" that protects you during lean times and grows your confidence.

Your Consistency Checklist:

☑ 𝗣𝗮𝘆 𝗬𝗼𝘂𝗿𝘀𝗲𝗹𝗳 𝗙𝗶𝗿𝘀𝘁: Set an automated transfer for the day your paycheck hits.

☑ 𝗠𝗶𝗰𝗿𝗼-𝗚𝗼𝗮𝗹𝘀: Focus on a manageable weekly amount (like $20) rather than a daunting monthly figure.

☑ 𝗦𝗲𝗽𝗮𝗿𝗮𝘁𝗲 𝗬𝗼𝘂𝗿 𝗦𝘁𝗮𝘀𝗵: Keep savings in an account not linked to your debit card to avoid temptation.

☑ 𝗩𝗶𝘀𝘂𝗮𝗹 𝗧𝗿𝗮𝗰𝗸𝗶𝗻𝗴: Use a progress bar or app to see your balance grow; visual wins keep you motivated!

Small, steady drops of water eventually fill a bucket. It’s not about the amount; it’s about the frequency of the habit. Start saving consistently today.

10/06/2026

Do you spend based on need… or mood?

Our brains are hardwired for instant gratification, which is why "retail therapy" feels so good in the moment but heavy when the statement arrives. Emotional triggers like stress, boredom, or social pressure often drive our transactions more than our actual bank balances. Understanding the "why" behind your spending is the most powerful tool you have for reclaiming control.

Common Emotional Triggers to Watch For:

𝟭. 𝗧𝗵𝗲 "𝗜 𝗗𝗲𝘀𝗲𝗿𝘃𝗲 𝗧𝗵𝗶𝘀" 𝗧𝗿𝗮𝗽: Using a stressful day to justify an expensive, unplanned luxury.

𝟮. 𝗦𝗼𝗰𝗶𝗮𝗹 𝗠𝗶𝗺𝗶𝗰𝗿𝘆: Spending money you don't have to keep up with the lifestyle of friends or influencers.

𝟯. 𝗧𝗵𝗲 𝗦𝗰𝗮𝗿𝗰𝗶𝘁𝘆 𝗠𝘆𝘁𝗵: Buying something just because it’s " on sale," even if you didn't need it yesterday.

𝟰. 𝗕𝗼𝗿𝗲𝗱𝗼𝗺 𝗦𝗰𝗿𝗼𝗹𝗹𝗶𝗻𝗴: Turning to shopping apps for entertainment rather than utility.

Awareness equals power. Once you identify the trigger, you can choose a better response and keep your goals on track. Take control of your spending habits.

10/01/2026

Think small habits don’t matter? Think again…

Real wealth isn’t usually built through one-time windfalls; it’s built through the quiet, consistent actions you take every single day. We often wait for a "big break" to change our financial lives, but the truth is that consistency beats intensity every time. When you focus on small, manageable shifts, you bypass the burnout that comes with drastic lifestyle overhauls.

Small Actions for Big Results:

● 𝗧𝗵𝗲 𝟮𝟰-𝗛𝗼𝘂𝗿 𝗥𝘂𝗹𝗲: Wait a full day before any non-essential purchase to kill impulse spending.

● 𝗧𝗵𝗲 𝗦𝘂𝗯𝘀𝗰𝗿𝗶𝗽𝘁𝗶𝗼𝗻 𝗔𝘂𝗱𝗶𝘁: Cancel one unused app today and redirect that exact amount to your savings.

● 𝗧𝗵𝗲 𝟭% 𝗥𝗮𝗶𝘀𝗲: Every time you get a raise, commit to saving half of the increase before you ever see it.

● 𝗛𝗮𝗯𝗶𝘁 𝗦𝘁𝗮𝗰𝗸𝗶𝗻𝗴: Tie a financial move to a daily routine; like moving $5 to savings every time you brew your morning coffee.

When you stack these small wins, you stop "trying" to save and start living as someone who naturally builds wealth. Start one smart money habit today.

09/29/2026

Want to save money without thinking about it? Automating your savings turns a good intention into a system that works in the background.

Strong financial habits are built on consistency, not effort, and automation makes that easy. When you automate savings, you remove the guesswork and start making steady progress without relying on discipline.

🔁 Set up automatic transfers right after payday so saving becomes your first move, not an afterthought.

🔁 Start with small amounts so you build momentum and prove that consistency matters more than size.

🔁 Remove the temptation to spend first so your savings grow before you even notice the money is gone.

🔁 Increase your automated amount over time so your savings keep pace with your income and goals.

🔁 Keep it simple and consistent so your financial habits stay strong without constant effort.

Automation turns saving into a routine instead of a decision you have to make every month. Over time, those small, consistent actions build real financial progress.

Set up automatic savings today.

09/24/2026

A tax refund, work bonus, or family gift can quietly disappear inside everyday spending. A short plan turns that windfall into real progress on your financial goals.

Extra cash works hardest when it lands in the right place. Splitting the amount across priorities delivers more impact than dumping it into one account.

Try these money saving tips for a windfall:

💳 𝗣𝗮𝘆 𝗱𝗼𝘄𝗻 𝗱𝗲𝗯𝘁: target the highest-interest balance first
🚨 𝗕𝗼𝗼𝘀𝘁 𝗲𝗺𝗲𝗿𝗴𝗲𝗻𝗰𝘆 𝘀𝗮𝘃𝗶𝗻𝗴𝘀: top off your three to six month cushion
🏦 𝗙𝘂𝗻𝗱 𝘀𝗵𝗼𝗿𝘁-𝘁𝗲𝗿𝗺 𝗴𝗼𝗮𝗹𝘀: move a set amount into a labeled savings account
📈 𝗜𝗻𝘃𝗲𝘀𝘁 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗳𝘂𝘁𝘂𝗿𝗲: contribute to retirement or long-term accounts
🎁 𝗥𝗲𝘄𝗮𝗿𝗱 𝘆𝗼𝘂𝗿𝘀𝗲𝗹𝗳: set aside a small portion for something meaningful

A written plan protects the money from impulse spending. Even small windfalls create real momentum when directed with intention.

Talk to Aegis Credit Union about putting your next windfall to work the smart way.

09/22/2026

Your credit score might be costing you money; here is why. Lenders use your score to decide your rates, approvals, and how much you pay over time.

Understanding your number is the first step to improving it and taking control of your financial future. Simple credit score tips can help you improve credit without overcomplicating the process.

📊 Pay your bills on time every month so you build a strong history that lenders trust and reward.

📊 Keep your balances low so you show responsible usage and avoid signals that you rely too heavily on credit.

📊 Limit new credit applications so you protect your score from unnecessary drops and maintain stability.

📊 Check your credit regularly so you can spot errors early and stay aware of where you stand.

A stronger credit score can mean lower interest rates, better approvals, and more options when you need them. Small actions today can save you significant money over time.

Learn how to improve your credit today.

09/17/2026

Our 2nd street ATM will be closed for the next couple weeks. We are installing a new ATM.
Our South Branch ATM is GREAT! And Free!

Other ATM Locations...
343 4th Ave S
Stubborn Mule Bar~main ave
Mercy Hospital

Address

1200 N 2nd Street
Clinton, IA
52732

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	9am - 5pm
Thursday	8am - 5pm
Friday	7:30am - 5:30pm
Saturday	8am - 12pm

Website

http://www.aegiscu.com/

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