Storm Season Isn’t Over: Storm Season Financial Preparedness Tips

Living in Southwest Missouri means we know how quickly the weather can change. One sunny afternoon can turn into heavy rain, damaging winds, hail, or even a tornado warning before dinner.

Preparing for a storm isn’t just about batteries and bottled water. It’s also about making sure your finances are ready when life takes an unexpected turn. 

Here are a few storm season financial preparedness tips you can weather whatever comes your way.

Build an Emergency Savings Fund

Storms rarely wait until it’s convenient.

Whether it’s replacing spoiled groceries after a power outage, paying an insurance deductible, covering temporary lodging, or repairing your vehicle, unexpected expenses can add up quickly.

Even setting aside a small amount each paycheck can help create a financial cushion when you need it most. Starting small today can make a big difference tomorrow.

Access Your Money Anytime with Digital Banking

If roads are closed or a branch isn’t nearby, you should still be able to manage your money.

With the Volt Mobile App and Online Banking, you can:

• Check balances
• Transfer funds
• Deposit checks remotely
• Pay bills
• Monitor transactions
• Manage your debit card
• Stay connected to your accounts wherever you are

When the weather is unpredictable, having your finances at your fingertips provides one less thing to worry about.

Need Funds for Unexpected Repairs?

Storm damage doesn’t always fit neatly into your monthly budget.

If you’re faced with unexpected expenses like:

• Roof repairs
• Tree removal
• Vehicle repairs
• Home cleanup
• Insurance deductibles
• Temporary housing costs

Volt offers Personal Loans (Lifestyle Loans) designed to help you cover life’s unexpected moments with affordable payments and personalized service.

Our lending team works with you to find a solution that fits your budget, so you can focus on getting life back to normal.

Planning Bigger Home Improvements?

Sometimes storms reveal problems you’ve been putting off.

If you’re considering replacing a roof, updating windows, repairing siding, or tackling other larger home projects, a Home Equity Line of Credit (HELOC) may provide the flexibility you need.

You can borrow only what you need, when you need it, making it a practical option for ongoing repairs or home improvements.

Skip a Payment When You Need a Little Breathing Room

Sometimes a storm doesn’t damage your home—it damages your budget.

If an unexpected expense throws off your monthly finances, eligible members can request a Skip-A-Payment on qualifying loans.

Better yet, you can now request your Skip-A-Pay directly through the Volt Mobile App in just a few simple steps.*

That extra flexibility can help free up cash when you need it most.

*Eligibility requirements apply.

Protect Your Vehicle Before and After the Storm

Your vehicle is one of your biggest investments.

Whether you’re shopping for a replacement after storm damage or refinancing your current loan to lower your payment, Volt offers competitive Auto Loans that can help keep you moving forward.

If severe weather leaves you unexpectedly shopping for a vehicle, we’re here to make the financing process simple.

Keep Important Financial Information Safe

A few minutes of preparation today can save hours of stress later. Open a safe deposit box at one of our branches.

Consider storing digital copies of important documents such as:

• Insurance policies
• Loan information
• Identification
• Account numbers
• Emergency contacts

Having secure access to these documents can make recovery much easier if they’re lost or damaged.

A Little Preparation Goes a Long Way

You can’t control the weather, but you can prepare for it.

Whether you’re building your emergency savings, planning home improvements, financing unexpected repairs, or simply making sure you can access your accounts from anywhere, Volt is here to help you stay financially prepared through every season.

Storms may come and go, but peace of mind starts with having the right financial partner by your side.

Ready to prepare?

Explore our financial solutions today:

• Personal Loans
• Home Equity Line of Credit (HELOC)
• Auto Loans
• Skip-A-Payment
• Mobile & Online Banking
• Savings Accounts

At Volt Credit Union, we’re here to help you stay ready, rain or shine. Save these storm season financial preparedness tips and Open an Account today!

Frequently Asked Questions

What should I do financially before storm season?

Build an emergency savings fund, review your insurance coverage, keep important financial documents in a secure location, and ensure you can access your accounts through online and mobile banking.

Can I use a personal loan for storm repairs?

Yes. Personal loans can help cover unexpected expenses such as home repairs, vehicle repairs, insurance deductibles, temporary lodging, or cleanup costs.

What is a HELOC?

A Home Equity Line of Credit (HELOC) allows homeowners to borrow against the equity in their home. It’s often used for home improvements, repairs, or other major expenses.

Can I skip a loan payment at Volt Credit Union?

Eligible members may request a Skip-A-Payment on qualifying loans, including through the Volt Mobile App. Eligibility requirements and processing fees apply.

Does Volt Credit Union offer mobile banking?

Yes. Volt’s Mobile App allows members to check balances, deposit checks, transfer money, pay bills, manage debit cards, and more from almost anywhere.