Saving is important. Explore ways to help you save and reach your life goals!
Savings Plan Options
🎓 College Savings / 529 Program 
Employees can join Missouri's MOST (Missouri Saving for Tuition) Plan, a voluntary Section 529 savings program to fund higher education expenses, including:
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📚 Tuition, fees, books, and supplies
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🏠 Room and board
Eligible Institutions:
Accredited postsecondary schools, including certain vocational and foreign institutions.
Flexible Use:
Funds can be used by any designated beneficiary with no restrictions on age, relationship, or residency.
How to Use This Benefit:
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Open a MOST account with a minimum $25 investment
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Contribute anytime or on a recurring basis
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Tax advantages available for Missouri residents
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More info: Missouri MOST
How to use this benefit
Employees may open a MOST account with a minimum investment of $25. Contributions can be made when convenient or on a recurring basis.
More information about the MOST program, including the tax advantages to Missouri residents, can be found on the Missouri MOST website.
Forms and publications
💙 Educational Community Credit Union (ECCU)
Founded in 1938, ECCU is a member-owned, not-for-profit financial institution built on the philosophy of “people helping people.” ECCU helps members build long-term financial security.
Publications
💚 MOABLE Accounts (ABLE Act)
MOABLE allows individuals with disabilities to create tax-advantaged accounts for health, independence, and quality of life.
Key Benefits:
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Save and invest up to $15,000/year without losing federal benefits like Medicaid or SSI
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Previously, individuals could only save $2,000 before losing needs-based benefits
Eligibility:
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Disability began before age 26
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Disability expected to last ≥1 year or lived with for at least 1 year
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Must meet SSI, SSDI, Compassionate Allowances, or self-certify
Check eligibility and open an account:
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🌐 Open an account online at MOABLE.com with as little as $50
Contact information
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