All About Me

All About Me Helps You Navigate Adulting

Are you going off to college?  Moving out for the first time?  Maybe you’re getting married or having a baby?  Or perhaps you’ve already decided you don’t like working all that much and want to start planning for early retirement.  You determine your path, and we'll help you navigate.  All About Me is designed especially for our 18 to 30-year-old members.

Why Is This The Best Account For Me? 

Beach Municipal's All About Me Account features: 

  • $5 minimum balance to open and maintain your membership.
  • No monthly service fee - as long as your account is not dormant. 
  • Complimentary $1,000 Trustage AD&D Insurance coverage.
  • Account statements via eStatement or mail.
  • Three Passes you can use to waive a fee, like when you forget to make your credit card payment or need a little forgiveness for overdrafting your account. 

All About Me Benefits

Our All About Me program offers many potential benefits:

  • Get help as you navigate the waters regardless of where you are in life or what your greatest challenges happen to be.
  • Program members get discounts on other services, like a refund on certain fees!

Contact a Member Services Coordinator and sign up today.

  • Dawn Patrol — Off to college. Do you know how to handle that first credit card or know how to avoid the paying-for-college-potholes? 
  • Testing the Waters — Growing Up, Moving Out​. It's time to start adulting. You get your first real job, your first real car and your own place to live. So how do you handle all the bills that go with being out on your own? 
  • Taking the Plunge — Life as a Couple. Have you considered what getting married can do to your credit score? Do you know what it takes to buy a home? How much do children actually cost, anyway? 
  • Endless Summer — Looking to the Future. It may seem like a lifetime away, but retirement will be here before you know it. Do you know what you'll need to live comfortably? What about caring for your own aging parents or supporting your children in adulthood? 

Our All About Me program can help you navigate the waters regardless of where you are in life or what your greatest challenges happen to be.

All About Me Share Rates

Share Account Rates
Effective Date: Monday, April 1, 2023
NameDividend RateAnnual Percentage Yield APYMinimum Opening DepositMinimum Balance to Avoid Service FeesMinimum Balance to Earn Stated APYBalance Method
Share/All About Me
Tier I 0.00% 0.00% $5.00 $0.00 $0-$25 Daily
Tier II 0.00% 0.00% $5.00 $0.00 $25.01- $250 Daily
Tier III 0.10% 0.10% $5.00 $0.00 $250.01 - $1,000 Daily
Tier IV 0.15% 0.15% $5.00 $0.00 $1,000.01 & over Daily

Dividend Rate and Annual Percentage Yield were accurate as of the effective date above. Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Fees may reduce the earnings on the account. For additional information about fees, please see the Rate & Fee Schedule. For additional information on your account, please see your Membership & Account Agreement. All deposits are federally insured up to $250,000.00 by the National Credit Union Administration (NCUA), a U.S. Government agency. Please visit their site for details. If you have any questions or require assistance, please call the Credit Union at 757.333.7787.

Disclosures and other details.

Me Too Share Certificate Rate

Me Too Share Certificate Rate
Effective Date: Thursday, June 29, 2023
Part of our All About Me & Long John Saver Kids Club
TermMinimum Opening DepositRateAPY*
See disclosure $50.00 1.34% 1.35%

*APY = Annual Percentage Yield.  Dividend Rate and Annual Percentage Yield were accurate as of the effective date above.  Rates are subject to change at any time and are not guaranteed. Rate may change after the account is open. Declared minimum balance is required to both open the account and earn the stated APY.  Fees may reduce the earnings on the account. For additional information about fees, please see the Rate & Fee Schedule. For additional information on your account, please see your Membership & Account Agreement. Federally insured by NCUA. Early withdrawal penalties may apply. If you have any questions or require assistance, please call the Credit Union at 757.333.7787.


Getting Married?

Conversations About Insurance and Money

If you have the time and brain space for it, review the upcoming insurance and money management changes before the big day so you have all of your ducks in a row. 

Car insurance

If you and your partner have car insurance policies through different companies, get quotes from both to see which offers the best deal. A new insurer might even have a cheaper price for you, so don’t discount shopping around. Ask about discounts for a multi-car policy, for bundling with your renters or homeowners insurance, and for the simple act of getting married. Married couples are sometimes seen as less risky, and so get lower rates. For example, young couples in their 20s could pay 20–26% less, and those in their 30s 2–5% less.

Whoever cancels coverage needs to ensure the new insurance is effective on the day the old insurance expires. Any lapse could lead to higher rates next time you shop for coverage.

Homeowners or renters insurance

This will probably only change for those who have been living apart and are now moving in together. Whoever’s policy you choose to keep will automatically cover both of you, but you’ll still want to list your spouse on the policy. Like with auto insurance, you may receive a small discount for getting married.

You will want to increase your limit on personal property coverage, which pays to replace or repair items that are stolen or damaged, as you now have more to lose. High-value items—like those wedding and engagement rings—will most likely need special coverage.

Life insurance

You may not have had a life insurance policy when you were single, but it’s a good idea now, especially if your death would leave your spouse in a financial tight spot. For example, if they depend on your income to help pay bills, if you share a mortgage or other loans, if you have debts your spouse would be responsible for, and/or if you have young children.

As with auto and homeowners/renters insurance, look for a multi-policy discount.

Health insurance

This is the big one, partly because there is a ticking clock, once you’re married, to make changes to your health insurance plan. Marriage is considered a Qualifying Life Event (QLE) and triggers a special enrollment period no matter the time of year, giving you (typically) 60 days from walking down the aisle to enroll in a new individual health plan, or 30 days for one of you to join the other’s employer-based health insurance. If you miss this window, you must retain your individual plans and wait until open enrollment to make changes.

Generally, going with an employer-based plan is the cheapest. Weigh each of your plan’s deductibles, coinsurance, co-payments, coverage limits, prescription coverage, and choice of care providers. Being on the same policy could allow you to reach your annual deductible quicker. Marriage can penalize newly married couples who used to receive subsidies through the Affordable Care Act when single because your combined income will be higher.

Ready to make these next-level life decisions with your partner? It might not be as exciting as picking dance music for your reception, but having an insurance plan will go a long way in establishing a secure financial future together.

When you get married, there are three main options for dealing with your money.

Those include keeping your finances separate, merging some of your accounts or putting all of your financial eggs in the same basket. Each option has its pros and cons, which are important to consider as you and your spouse map out your financial plan. 

Option #1: Each spouse manages and maintains their own, separate account

Some couples may have cold feet when it comes to joining their bank accounts. They may choose to manage and maintain their own separate accounts. At the same time, they might commit to each saving an agreed upon amount per month, and dividing up household expenses according to a fair distribution.

Pros: You don’t have to worry about your spouse having the same spending habits as you and you can continue to manage your money as you like. That's a plus if you're worried about sacrificing any of your financial independence or if your spouse is a spender, for example, while you're a saver.

Cons: It makes bill paying a little trickier, and you'll still need to communicate about how much each person spends. If one spouse is not a good communicator, this may cause issues. Additionally, if something were to ever happen to one spouse, it could take months before the surviving spouse gets access to the funds. 

Option#2: Merge your money halfway

If a couple decides to merge their money halfway, each spouse keeps a separate bank account in which to put their paychecks, and then there is a joint account funded by both spouses from which expenses are paid. 

Pros: The pros in this situation are that each of you has the ability to maintain some independence, while at the same time playing a shared role in your household financial management. When bills are paid from one account, it can take the stress out of keeping track of what's been paid and what hasn't. 

Cons: Having multiple accounts to manage could be a little confusing, especially if one of you is more organized than the other. If you and your spouse earn different salaries, you'll have to figure what percentage of each of your incomes is a fair amount for each to contribute toward shared expenses. 

Option #3: Put all the money together in a union - like your marriage!

In this scenario, you'd set up a single joint bank account into which all future paychecks are deposited and from which all expenses are paid. Any spending money, vacation money, and all other purchases come out of this same account. You could also decide to allocate a set amount each month from the account to use as you both wish. 

Pros: A joint bank account can offer a sense of unity and partnership. If you're focused on fine-tuning your budget, it'll be easier to track money coming in, versus money going out, because there's complete transparency, and it can be simpler all around to have all your money combined in one place.

Cons: One of the main cons of this set-up for a newly married couple is that one or both partners might feel that someone is always looking over their shoulder. If one spouse tends to spend money more freely than the other, it will be much more readily apparent and that could lead to money arguments. 

Disclosure: This information is provided to you as a resource for informational purposes only. It is being presented without consideration of the investment objectives, risk tolerance or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. Investing involves risk including the possible loss of principal. This information is not intended to, and should not, form a primary basis for any investment decision that you may make. Always consult your own legal, tax or investment advisor before making any investment/tax/estate/financial planning considerations or decisions. 

Learning Money Skills Will Help You Manage Your Financial Life

What key money skills do young adults need to know? When it comes to moving out on your own, it’s all about preparation. Our All About Me program offers helpful information tol help you plan, and manage your financial life. Our All About Me program is specially designed for young adults (18-31) and is perfect for college students and young adults starting their first jobs.

Where Can I Learn More?

Budgeting, Credit Card use and protecting your identity are also part of adulting.


Look at your income and spending habits. Allocate for weekly needs, wants, and impulses within your budget. Surprises happen, so let yourself break the budget. Just remember to make up for it in the coming weeks.

Keep your Social Security number private

If possible, request a randomly generated student ID number instead. Do not give your social security number to another student to register you for a class or school seminar.

Don’t leave mail or personal financial records lying around your apartment or dorm room. Get a shredder that will shred cross-wise from a local office supply store.

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