Welcome To NLRB Financial Consumer Union

Bringing “Private Banking” financial information about annuities, structured settlements and more to the middle class of America.

Trying to find a smart and fast way to "sell my annuity" or "sell my structured settlement" to achieve your life dreams? Pay medical bills? Or send your kids to college? Go to our services page for more information on how we can best help you achieve your financial goals.

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Annuity

Annuities and structured settlements can be difficult to understand. Our job is to explain them in an easy way so you can make wise financial decisions for you and your family.

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Structured Settlement

Sometimes the steady income from structured settlements is just not enough to cover your immediate financial needs. You need more. A lot more.

Why Sell Your Payments?

Financial priorities constantly change. Cars break down, houses need repair, your health can decline and student loans come due. Often these events happen just when you can’t afford them. Learn how selling your future payments for cash can be the solution.

  • Anchor your portfolio
  • Improve your home(s)
  • Help with your credit debt
  • Improve or start a small business
  • Relief from medical bills
  • Increase your current income
  • Cash out annuity inheritance
  • Help out a friend
  • Employment change

Watch Us In Action!

For more complete membership information, including a copy of NLRBFCU's current privacy policy and membership account agreement, please visit our local branch.  We encourage you to take advantage of NLRBFCU's many service offerings available!  We appreciate your Consumer Union membership and look forward to continuing to serve you!

Rates & Fees

We have some of the most competitive rates and fees, and in some areas, we have the lowest fees available, while providing exceptional customer service.

Clear Loan Solutions

Getting a loan isn't always an easy process. There are many programs out there and some are complex. We make the loan process clear and easy.

Financial Services Companies

Getting the services you need to make your financial dreams come true is vital whether you are just starting out or nearing retirement. Contact us for a financial check-up today.

Certificates

Certificates of Deposit (CDs) are still a solid investment option to give you consistent returns and keep your money safe.

Ready To Find Out More? Contact Us For A Quote!

We do all we can to ensure your satisfaction with our services!

Latest News

Should I Worry About Social Security?

September 21, 2018

You will get a Social Security check when you retire. If you doubt me, look around and count the votes. How many among us would vote to abolish Social Security’s safety net? What would be the future of any politician who tried? There’s a good deal of talk about privatizing Social Security, leaving beneficiaries to…

Have You Accidentally Left Your Spouse Without the Annuity Benefits He or She Expects?

September 19, 2018

Many a married couple is going to be in for a surprise. When one of you dies, the annuity may not behave the way you think. These contracts are complicated, with lots of moving parts. Unless you buy right—and title the annuity correctly—you might not get all the benefits that you thought you paid for.…

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If You Already Have an Annuity, Should You Switch to a New One?

September 17, 2018

Yes, if you’re in a fixed-rate annuity and the insurer is stiffing you with a truly rotten rate—say, 3 percent in a 4.5 percent world. Switch to a CD-type annuity instead. Yes, if you’re in a high-cost variable annuity and will switch to a low-load annuity. Probably, if you’re in a high-cost variable annuity and…

If You Inherit an Annuity, How Are You Taxed?

September 14, 2018

If you inherit a tax-deferred annuity from your spouse, you have all the same withdrawal options that your spouse would have had. You can keep the annuity, switch to another one (in a tax-free exchange), or take the money out on whatever schedule the contract permits. Ordinary income taxes are due on the earnings when…

The Low-Load Annuity Advantage

September 12, 2018

If you think you are a candidate for an annuity, go low-load. Their costs are small, compared with the rest of the products on the market, and you can take out your money whenever you want, without paying a penalty. Low costs, total flexibility. Why would you look at anything else? It may take only…

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Variable Annuities – Bad Buys on Their Own, Risky with Income Guarantees

September 10, 2018

On the surface, variable annuities (VAs) seem heaven-sent to anyone who buys mutual funds. You generally start the annuity with $10,000 or $15,000, depending on the company. That money is invested in mutual funds—subaccounts, in an annuity, speak—and accumulate tax-deferred. There’s the usual range of investment choices: U.S. stocks, international stocks, bonds, and a balanced…

JG Wentworth Commercial Song Lyrics

September 7, 2018

Do you remember this commercial? It first aired in 2008 and has become a main stable as one of the most hated, but most remember commercials of all-time. I have a structured settlement and I need cash now! Call J. G. Wentworth! 877 cash now I have an annuity but I need cash now! Call…

Equity-Indexed Annuities – An Investment to Avoid!

September 7, 2018

Run, run, run from the investments known as equity-indexed annuities (EIA). All too often, they’re sold deceptively, to people who don’t understand how they work, by salespeople who are making a killing in commissions. Attorney generals in several states have brought and settled class-action lawsuits against companies that sell EIAs. FINRA, which regulates securities firms,…

Are Your Fixed Annuities Safe?

September 5, 2018

It depends. Fixed annuities are backed by bonds and other assets in the insurance company’s general account. They’re valued at the cash guaranteed in the contract plus any interest that has been credited. Failing insurance companies are placed into rehabilitation. If another insurer buys the business, your current interest rate should be good (although it…

How to Lower the Risk of Getting a Poor Fixed Annuity

September 3, 2018

It is recommended that you buy only CD-like, multiyear annuities that pay a fixed rate over a specified period of time. This is because you know exactly what you’re getting. At the end of the term, the insurance company has to offer you another good rate to keep your business. It can’t play games with…

The Pros and Cons of Structured Settlements: What You Need To Know

August 31, 2018

Structured Settlement Loans Pros and Cons When it comes to personal injury and accident lawsuits, most of them never see the inside of a courtroom because both parties choose to reach a fair and equitable settlement. How this works is the plaintiff (the person who suffered the injury) agrees to stop any current or future…

What To Do When You Are Finally Ready to “Sell My Annuity”

August 31, 2018

Your focus is to find the right company to sell your annuity for the best possible price so you can put the most cash in your pocket. While that is your focus, there is a lot that you’ll need to do before you can get there. If you rush things, you could make a wrong…