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Having a Baby

Congratulations! A new baby can bring joy like nothing else can. But along with the baby comes a host of issues you need to address.

Rethinking the Family Budget
Children are expensive. The cost of welcoming a new child into a family can run more than $30,000 for the first two years. From sports to dance lessons, school clothes and college tuition, the expenses never seem to end. So, one of your first priorities should be a written budget.

Employee Benefits
If both you and your spouse will continue to work, evaluate both of your benefit plans to consolidate the best and most cost effective features from both of them.


    • Update beneficiary designations on all insurance policies and financial accounts.
    • Consider life insurance for your new child.
    • Watch out for scams. There are well know cases of Modeling & Photography scams, Social Security scams, Child Genius scams and more. Marketers will be trying to gain your business through a variety of ways, but keep a close eye on the offers as the scammers like to blend in with the rest of the pack. Remember, don't give out confidential information and if it sounds too good to be true, it probably is.

The Future
Hutchinson Credit Union can help you on your way to saving for your child's future. We offer many great savings options for parents. We also offer special youth accounts, to help get your child interested in their finances at an early age.

    • Savings Accounts & Certificates
      These dividend earning accounts are a good way to save.
    • Coverdell IRA's
      The Coverdell Education IRA allows you to save for college expenses such as tuition, books, housing and more.
    • 529 Plan
      A 529 Plan is a higher education savings program which provides tax-deferred benefits. It gives you the power of tax-free earnings growth.  Available through our HCU Investment & Insurances Services group.
    • Youth Accounts
      Good financial habits start early. We offer our Scottie Savers Savings Club for children up to the age of 12. It features savings rewards and a quarterly newsletter. For those age 12-24, we offer the Gateway account, which has an emphasis on very low fees, education, and even offers a grade point bonus.