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:

• 📚 Tuition, fees, books, and supplies
• 🏠 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:

• Open a MOST account with a minimum $25 investment
• Contribute anytime or on a recurring basis
• Tax advantages available for Missouri residents
• 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

• MOST 529 Flyer
• Enrollment Brochure
• MO Employee Procedures

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💙 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

• Loans Brochure 1
• Loans Brochure 2
• General Brochure
• 2026 ECCU Scholarship

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💚 MOABLE Accounts (ABLE Act)

MOABLE allows individuals with disabilities to create tax-advantaged accounts for health, independence, and quality of life.

Key Benefits:

• Save and invest up to $15,000/year without losing federal benefits like Medicaid or SSI
• Previously, individuals could only save $2,000 before losing needs-based benefits

Eligibility:

• Disability began before age 26
• Disability expected to last ≥1 year or lived with for at least 1 year
• Must meet SSI, SSDI, Compassionate Allowances, or self-certify

Check eligibility and open an account:

• 🌐 MOABLE Eligibility Quiz
• 🌐 Open an account online at MOABLE.com with as little as $50