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Listerhill Credit Union (en-US)

Sara Beth

Helpful Hints for Finding Scholarships

Six quick hints to help you apply for scholarship opportunities!

Editorial Note: Articles published are intended to provide general information and educational content related to personal finance, banking, and credit union services. While we strive to ensure the accuracy and reliability of the information presented, it should not be considered as financial advice and may be revised as needed.

Here are some helpful hints to help you navigate the waters ahead when it comes to college and finding scholarships.

  1. Double-Check Application Requirements - Make sure to apply for scholarships that you're eligible for. Examine entry requirements before doing all that work and avoid unnecessary application fees.
  2. Don't Be Fooled By Size - Don’t forget the small scholarships. Most people overlook the smaller ones because they do not see the value in them. Their application process is usually simpler and requires less time which allows you to pursue more scholarship opportunities.
  3. Pull Out Your Dictionary - When researching scholarship opportunities, use words people do not normally think about such as Endowment, Foundation, Honorarium, Trust, Fellowship and Donors etc. This will present you with a wider range of application options.
  4. Notes, Notes, And More Notes - Keep a notebook or a spreadsheet of your scholarship searches, deadlines, and the progress status of each one. Your notes should also include the application cost, important contact information, and your personal notes about each application. The more organized you are, the easier it will be to apply to multiple scholarships.
  5. It's All About The Details - Make sure to fill out all the application blanks. This lets scholarship panels know that you pay close attention to detail. Do not handwrite your applications, unless otherwise specified. Applications need to be clear, professional, and legible.
  6. Never Hurts To Ask - Check with the college you are attending to see if there is any money available in the re-awards pot. After you have enrolled, ask the college about how to be considered for this award money.

Keep these hints in mind when applying for scholarships and take advantage of every opportunity to get ahead of college costs. Your future self will thank you!

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Frequently Asked Questions

  • What happens when federally insured credit unions merge?

    If a member has accounts in credit union A and credit union B, and credit union A merges into credit union B, accounts of credit union A continue to be insured separately from the share deposits of credit union B for six months after the date of the merger or, in the case of a share certificate, the earliest maturity date after the six-month period. In the case of a share certificate that matures within the six-month grace period that is renewed at the same dollar amount, either with or without accrued dividends having been added to the principal amount, and for the same term as the original share certificate, the separate insurance applies to the renewed share certificate until the first maturity date after the six-month period. A share certificate that matures within the six-month grace period that is renewed on any other basis, or that is not renewed, is separately insured only until the end of the six-month grace period.

  • What happens if a federally insured credit union is liquidated?

    The NCUA would either transfer the insured member's account to another federally insured credit union or give the federally insured member a check equal to their insured account balance. This includes the principal and posted dividends through the date of the credit union's liquidation, up to the insurance limit.

  • If a credit union is liquidated, what is the timeframe for payout of the funds that are insured if the credit union cannot be acquired by another credit union?

    Federal law requires the NCUA to make payments of insured accounts "as soon as possible" upon the failure of a federally insured credit union. While every credit union failure is unique, there are standard policies and procedures that the NCUA follows in making share insurance payments. Historically, insured funds are available to members within just a few days after the closure of an insured credit union.

  • What happens to members with uninsured shares?

    Members who have uninsured shares may recover a portion of their uninsured shares, but there is no guarantee that they will recover any more than the insured amount. The amount of uninsured shares they may receive, if any, is based on the recovery of the failed credit union's assets. Depending on the quality and value of these assets, it may take several years to conclude recovery on all the assets. As recoveries are made, uninsured account holders may receive periodic payments on their uninsured shares claim.

  • What happens to my direct deposits if a federally insured credit union is liquidated?

    If a liquidated credit union is acquired by another federally insured credit union, all direct deposits, including Social Security checks or paychecks delivered electronically, will be automatically deposited into your account at the assuming credit union. If the NCUA cannot find an acquirer for the liquidated credit union, the NCUA will advise members to make new arrangements.

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