Skip-A-Payment Request Form - United Consumers Credit Union

Banking is what you do,
not where you do it
Fall 2012
Banking The Credit Union Way
As you prepare for a new year, you may also be
thinking of ways to make 2013 the best yet. You’ll
want to pay off old debts, get your finances in order,
and maybe even start saving for a big project or
getaway. That’s why United Consumers Credit Union
offers the Skip-A-Payment Program!*
With the UCCU Skip-A-Payment Program, you pay
a processing fee of 10% of your payment or $50
(whichever is less), and put off your December or
January payment without penalty! Don’t delay – the
deadline for our December Skip-A-Payment is November
20, and the deadline for January Skip-A-Payment is
December 20. Just fill out this convenient form, and turn
it in before the request deadline to see if you qualify.
Keep the money you would have spent on your
payment(s) and give your budget a new start! Just
think of all the things you could do with the extra
cash; the possibilities are endless with the UCCU
Skip-A-Payment Program!
*Does not apply to mortgage/home equity loans, credit cards, share/CD secured loans
or lines of credit. Account must be open for at least a six-month period with three
straight months of on-time payments to qualify. Eligibility based on
member credit and other factors. Skip-A-Payment fee
must be paid 10 days prior to loan due date to allow
time for processing. Regular payments will resume
with your January or February 2013 payment.
Interest will continue to accrue during the
payment deferment period. Loan extensions
such as Skip-A-Payment may affect the
GAP insurance coverage and the payoff
date on your vehicle. Contact the credit
union for complete details.
Skip-A-Payment Request Form
(mark only one)
❏ I want to skip my December 2012 payment (request deadline is November 20, 2012)
❏ I want to skip my January 2013 payment (request deadline is December 20, 2012)
(mark only one)
❏ Deduct from savings
❏ Deduct from checking
Name
Account Number
Address
Phone
X
Signature
X
Co-Maker’s Signature
Co-Maker’s Name
City
Email Address
Banking is what you do,
not where you do it
State
Zip
Banking The Credit Union Way
Think about what you really want from a
checking account. Is it fast access to your
funds? How about friendly, local service?
Count up all of the features and benefits
you want, and then come to UCCU.
Our checking accounts offer advantages
that really add up:
1. Access to more than 35,000 free ATMs
around the world
2. Service at nearly 5,000 locations
nationwide
3. Free online banking, e-statements and
CU Mobile Banking
4. Free debit cards with rewards*
5. And more!
*Subject to member eligibility and creditworthiness. Accountholder must have UChoose
Rewards Credit Card to qualify for debit card rewards. Contact the credit union for complete
details regarding the UChoose Rewards program.
When it comes to the very best in free
checking, you can count on UCCU. Visit
one of our seven convenient locations to
open your checking account today!
The Right Time To Refinance
Interest rates have reached historic lows, and refinancing your loan could save you a lot of money. Unlike
home loans – which can require appraisals and other
closing costs – refinancing your vehicle loan is quick
and easy. So how do you know if now is the right time?
Check these guidelines:
Compare rates. If interest rates have dropped more
than a couple of points since you purchased your
vehicle, you could save money by refinancing.
Remember, even a percentage point or two can make
a big difference in savings over the life of the loan.
Review your credit score. Has your credit score
improved since you financed your car, truck or SUV?
You may now qualify for a lower interest rate. If you
review your credit report and find a few negative items,
clear them up with your creditors before you refinance to
get the best deal.
Check your budget. If you could benefit from lower
monthly payments (and who couldn’t?), a longer term
could free up funds in your budget.
If you’d like to learn how refinancing your current
vehicle loan from another lender would affect your rate
and payments, contact UCCU today!
At United
Consumers
Credit Union
Credit cards have a bad
reputation, but UCCU offers a
card you can love. Our Visa®
Credit Cards have the convenient
features and personal service you deserve – all for less!
Our credit cards offer low rates, great rewards and local,
personal account service. Plus, there’s no balance transfer fee
and no annual charge. You can even avoid interest altogether
when you pay off your balance within 25 days of your statement
issue date!
Dump the cards that add to your debt with hefty fees and high
rates, and switch to a card that treats you right. Apply for your
Visa Credit Card from United Consumers Credit Union today!
Enjoy Extra Savings
You can take advantage of special discounts when
you use your UCCU UChoose Visa Credit Card!
Visit www.usa.visa.com/personal/discounts
to view special offers from retailers
like Kmart, Sears, Target, REI, Best
Buy and even the Apple Store. Use
your card to enjoy great savings, this
season and beyond!
Manage All
Of Your Accounts
With MoneyDesktop™
Simplify your life by managing all of your money
from one place! MoneyDesktop is now available
through your CU Anywhere online banking
account, so you can consolidate all of your
various financial accounts – even those that
aren’t with the credit union – into one convenient
program. Check out these great features:
Expense Tracking: Categorize and track spending from your various financial accounts to make
more informed financial decisions.
Budgeting: Create budgets based on your actual
spending, income, debts and expenses. Mobile
access makes budgets easy to reference, update
and follow.
Debt Management: MoneyDesktop gives you
step-by-step instructions on how to get your debt
under control. Review a customized plan based on
your debts, income and budget.
GuideMe: A GPS for your finances that keeps you
on the path to financial freedom and well-being.
Put Some Jingle In Your Holidays
With A UCCU Christmas Account
It’s almost time to bring out the tinsel, hang ornaments,
light candles and share special moments with those who
mean the most to you. Make sure you have the funds to
cover those holiday plans and expenses with a Christmas
Club Account.
This special account lets you contribute to your balance
with gradual deposits, and even pays dividends to help
encourage your savings! Current accountholders will
receive a transfer
to their UCCU
Checking Account on
November 2, just in time for
some holiday shopping. If you don’t have a
Christmas Club account for this year, now is the perfect
time to enroll. You’ll have a full year to save for next
Christmas and give yourself the gift of guilt-free spending!
Help Us Celebrate
International
Credit Union Day
Be An Owner And A Leader
You are already an owner of UCCU, but have you taken
the opportunity to become a volunteer leader?
On October 18, 2012, UCCU and
the rest of the international credit union community
will stop to recognize what’s really important: our
members. You make it possible for us to provide
affordable loans, convenient services and smart
financial solutions. We’re proud to serve you, not just
on International Credit Union Day, but every day.
Holiday Closings
Our offices will close in observance of the
following holidays:
Thanksgiving
Thursday, November 22
Christmas
Tuesday, December 25
New Year’s Day
Tuesday, January 1
Board and Management Staff
Board of Directors
Ray Kline, Chairman
Jared Fears, 1st Vice Chair
Tracy Cox, 2nd Vice Chair
Mike Welsh, Sec/Treas
Larry Brown
Gordon Corn
Kevin Cummings
Carl Milby
Vaughn Tribble
Supervisory Committee
Jared Fears, Chairman
Mary Brown
Reed Moorman
Donald Seaver
Term Expires
2013
2013
2015
2013
2013
2013
2015
2013
2014
Term Expires
2013
2015
2014
2015
SEP12-690
Please send your request to:
United Consumers Credit Union
Attn: Nominating Committee
1111 E. 23rd St.
Independence, MO 64055
Phone ..................................816-325-6900
Toll Free ............................1-800-580-9303
Fax ......................................816-461-6355
MAC24 ..................................816-461-3925
(24-Hour Audio Response Telephone Access)
CU Anywhere..................www.uccumo.com
For a complete listing of business hours, please visit our website, www.uccumo.com
Main Branch
1111 E. 23rd St., Independence, MO 64055
Truman Branch
400 W. 24 Hwy., Independence, MO 64050
Raytown Branch
8730 E. 63rd St., Raytown, MO 64133
Susquehanna Branch
16300 E. 24 Hwy., Independence, MO 64056
Fax ......................................816-796-7591
Tracey Cox, Chairman
Kevin Cummings
Jared Fears
Chris McCreary, President
Jay Neathery, Executive Vice President
John Pinzino, Vice President of Financial Services
Kelly Black, Human Resources/Training Director
Esther Hinkle, Operations Director
Rich Webster, IT Director
Kathey Atkinson, Financial Services Underwriter
Charles Moore, Accounting Director
Debbie Evans, Financial Services Operations Director
Andy Pahopin, Sales Director
If you are interested in running for the United
Consumers Board of Directors, you can contact the
board no later than October 12, 2012.
Office Locations
Nominating Committee
Management Team
By serving on our Board of Directors, you have a say
in the organization, direction, programs and policies of
your credit union. You can help to secure the benefits
your credit union extends to members, and continue a
history of service and financial success.
Railway Mail Branch
Union Station – Theater Level
30 W. Pershing Rd., Ste. 650
Kansas City, MO 64108
Fax ......................................816-842-9726
St. Joseph Branch
724 N. Belt Hwy., St. Joseph, MO 64506
Phone ..................................816-279-3693
Fax ......................................816-279-9674
Olathe Branch
414 E. Dennis Ave., Olathe, KS 66061
Phone ..................................913-782-1231
Fax ......................................913-782-1254
Shared Branch Locations
Banking is what you do, not where you do it
UCCU is proud to be a part of the CU Service Centers network.
You can conduct your credit union business at 22 shared branch
locations in the Greater Kansas City area and 4,900 locations
nationwide. For a complete listing of these locations and their
hours of business, go to www.uccumo.com, and click on the
locations tab at the top of the page.
Then, scroll down and look for the
CU Service Centers logo shown.
Banking The Credit Union Way
Free ATM Locations
United Consumers Credit Union is part of the CO-OP Network and
the Alliance One Network, giving our members access to more than
33,000 surcharge-free ATMs nationwide. To find the ATM closest to
you, go to www.uccumo.com, and click on the links at the bottom of
the Locations page to search your area.
www.uccumo.com
Federally Insured By NCUA