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 what we can help you with.



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.


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 portfolio
  • Improve homes
  • Help credit debt
  • Help small business
  • Help with medical
  • Increase 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 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 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

Better Business Writing

August 13, 2018

Keep paragraphs short to avoid a gray wall of type that discourages reading. Always add a PS. It’s usually the first thing—and sometimes the only thing—that gets read. Handwrite something, such as the salutation or the PS. This makes the letter more personal. Helpful: Use the PS to reiterate the letter’s main point or to…

Life Insurance – How To Get Much More Out Of Your Current Policy

August 10, 2018

When life insurance premiums become difficult to pay, many people consider giving up the policies entirely or replacing them with cheaper ones. But giving up an existing life insurance policy isn’t cheap. When you give up a cash-value insurance policy, there are often surrender changes—which are sometimes very steep—so you’ll likely walk away with less…

No Problems With Interruptions

August 8, 2018

Keep an interruption log for one week—to track the sources of your interruptions. Write down the list who interrupts you, when, for what reason, and for how long. Then figure out what you can do to reduce the interruptions. Also: Stop interrupting yourself. Remove distractions from your work area. Keep needed supplies close at hand.…

Temporary Employees

Temporary Employees: The Essential Steps To Make Them More Productive

August 6, 2018

Through creative hiring and thoughtful management, a company’s temporary workers can be much more productive. Temps are especially relevant today because: Temporary workers form a more significant portion of the staff in more and more businesses than ever before. And—companies that downsize usually wind up hiring temps to fill in unanticipated staffing gaps. There is…

Drop Private Mortgage Insurance (PMI) As Soon As You Can

August 3, 2018

Lenders usually require PMI when someone buys a house with less than 20% down. PMI protects the lender in case the buyer can’t pay the mortgage. Once your loan drops to 80% of the house’s value—because you pay down the principal or your home increases in value—PMI is no longer required. Call or write your…

Wrongful Termination

Wrongful Termination Lawsuits – Self-Defense Strategies

August 1, 2018

It’s a bit late in the game to start thinking about how to avoid a wrongful termination lawsuit once an employee has already been fired. In fact, one of the most effective defense measures against wrongful discharge lawsuits is a short statement on the employment application form specifying that employment at the company is on…

Credit Life Insurance Trap

July 30, 2018

Beware: Credit life insurance is a poor deal in most states, even though the prices are capped in every state. Banks and other lenders push it because it is lucrative for them—not for borrowers. Trap: When purchased with big-ticket items—a new car, for example—it can cost several times the price of basic term life insurance.…

JG Wentworth Commercial Song Lyrics

July 24, 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…

Wall Street

David Granger

July 20, 2018

Time-Tested Investment Advice from David Granger David Granger hadn’t planned a career as a stock picker. But during the 1920s, his two older brothers worked for the family’s Wall Street firm, Granger & Co., and their father wanted all his sons to work together. So in 1925, David Granger joined the firm, and, for $125,000,…

Mortgage Tips

Mortgage Tips For The Savvy Home Owner

July 6, 2018

When it comes to owning your own home, there is more to it than changing the air filters, trimming the hedges and mowing the lawn. You have to know the landminds that are presend in the landscape of the mortgage industry. Many loans which seem like good deals are padded with fees which make the…

Credit Unions Vs. Banks

The Long Debate: Credit Unions Vs. Banks

June 29, 2018

Many people are fed up with the high fees from banks and have considered taking their business to credit unions. By switching, you can greatly reduce the amount of fees you pay on a monthly basis and even earn more interest on the money you have in your accounts. The estimate is about $300.00 more…

Commonsense Rules of Financial Well-Being

Commonsense Rules of Financial Well-Being

June 14, 2018

If you want to become wealthy in your lifetime, and the sooner, the better, right? To become financially secure, you have to spend a few hours once a month thinking and planning to make it happen. People who put off financial planning or ignore its importance because they don’t have the time or assume they’re not…