2nd Quarter 2009 - Belleville
A publication of Unified Communities Federal Credit Union
Send them off to college financially prepared
If you have a child in college, or going off to college this fall, send them financially prepared. Both
of you will save time and hassles by having your student carry a UCFCU Visa with no annual fee,
as well as having a joint checking account with a Debit Card and ATM access.
Not only will these help your student learn to budget and use credit wisely, it will also help them
avoid the temptation of the many credit card proposals sweetened with low rates and free gifts
that will come their way. Often below the large text and persuasive wording of these offers are
consequences that could result in financial loss.
Here are a few things to check out when considering a credit card:
• Check the “real” interest rate for purchases, beyond the typically below-market “teaser” or introductory rate. For college cards, the starter rate hovers around 16% but it can quickly rocket up to 29% or more.
• Find out if there’s an annual fee.
• Compare late fees and “over credit limit” fees. The latter can hit you before you know what happened, as early credit limits tend to be low.
Stop into the credit union this summer and apply for a UCFCU Visa, and open your student a checking account. We don’t claim that it’ll
make it easier to send your young one away to school, but it will give you peace of mind knowing they won’t go hungry or without supplies
when their cash runs out.
UCFCU now has a Student-Run Branch at
Haggerty Elementary School in Belleville
We recently opened a student branch at Haggerty Elementary in Belleville to help support parents efforts of teaching their children about
the value of money and the importance of saving. This educational partnership will bring real-world financial literacy and education to
In addition to a competitive interest rate on their savings, students will be rewarded for their saving efforts with prizes and games. Plus,
several Haggerty students will actually work with us helping classmates make their deposits as a teller, accounting clerk, member service
representative, or marketing specialist — now that’s real-life experience!
All students in grades kindergarten through fifth grade may participate by opening accounts and making deposits. So far, the response from
students, teachers, and parents has been very positive. Along with the bi-weekly branch at Haggerty Elementary School, students are also
encouraged to come into a branch office to make deposits — especially during the summer months when school is not in session.
We’d like to welcome students from Haggerty Elementary School — we’re proud to have you as UCFCU members!
Our Ribbon Cutting Ceremony!
Students have been eager to join UCFCU… and to begin making deposits!
We’re Here for You
Wherever you are and whatever you’re doing this summer, enjoy
the peace of mind knowing that you can access your credit union
account when and where you want to. You’ll not only save time…
but money, too! Here’s a few of our cost and time savers:
ATMs: More than 30,000 surcharge-free ATMs nationwide,
including many at 7-Eleven stores.
From little or no fees, to
programs that help manage
your money, and loan rates that
beat most others, we are always
looking for ways to help our
members keep more of their
money. When funds get tight,
look to your credit union family
for help. Here are a few ways to
help make your Summer a little
Need a loan? We have
money to lend!
If you’re buying a new or used vehicle, look to UCFCU for
financing! We’ve got great rates and term options to help keep
America rolling… and you can get some of the best new vehicle
pricing right now! Have a vehicle financed somewhere else? Let us
see if we can reduce the rate — and your monthly payment!
STARS Reward Program: This program makes it easy to save
money, earn points and get FREE STUFF! If you’re not already
signed up in our STARS Reward Program, ask us how to get
Debit Card: Access your checking account at any location
accepting VISA. PLUS, earn points when you’re enrolled in our
STARS Reward Program every time you use your debit card.
These points can be used toward products and services — even to
make donations to local schools!
VISA: Make the switch to a Unified Communities Federal Credit
Union VISA and enjoy one low, fixed-rate VISA card. Plus,
we can make your payment on NetBranch, or set up automatic
payments directly from your account to help manage your budget
and save you time, every month.
Receiving a pension or unemployment?
Use Direct Deposit!
Why waste your time making unnecessary trips to the credit
union to deposit your check? Sign up for Direct Deposit and
your funds can be automatically deposited into your UCFCU
account. Direct Deposit is great for payroll, unemployment, social
security or pension checks.
Access your account at:
From any computer with Internet access.
Direct Deposit: Have your payroll, social security, unemployment
or retirement deposited directly into your UCFCU account. No
hassle — just instant access!
Discount Tickets: For some fun in the sun this summer, come in
for discounted tickets to Cedar Point! Save a little money while
you take a mini-vacation that’s not too far from home!
Looking for ways to cut monthly expenses?
Ask us about any of these services
today — then enjoy the rest of
Sign up for our Skip-A-Pay Program and skip your payment on
a qualifying credit union loan(s). Don’t skip your Summer plans
because you’re short on cash — skip a payment instead!
Sign up for Skip-A-PAY!
Call or come in for details!
We now offer GAP insurance
American Cancer Relay for Life® Results
for new or used vehicles financed at UCFCU!
Thanks to the UCFCU Team, $1,855.00 was raised
for the American Cancer Society. Way to go walkers!
We sincerely appreciate the UCFCU staff
their time, and the
of our members
who gave to this
What is GAP?
It is the auto protection needed when there is a difference between
what your insurance company establishes as cash or market value
of your vehicle, and its loan payoff amount in the event of a total
loss or theft.
What does GAP pay for?
• Balance due on your auto loan at the time of loss
• Insurance deductible up to $500
• Replacement vehicle assistance up to $1,000 when financing through UCFCU
How To Get Started
Let us know that you would like GAP insurance added to your new
or existing loan — it’s that simple! For more information on GAP,
give us a call or stop by either office.
Annual Meeting Results
Elected to three year terms on the Board of Directors are Carolyn
Bailey (re-elected) and Thomas Freshour (newly elected).
Thank you to all of our Directors who volunteer their time and
talent to help guide the direction of UCFCU.
Second Quarter 2009
Regular Share Account $500 minimum
All IRA Accounts
APR = Annual Percentage Rate
We have never shared non-public personal information with non-affiliated third parties and will continue to operate in that manner at
Unified Communities Federal Credit Union.
We collect non-public information about our members from the following sources:
• Information we receive on applications or other forms, such as: member names, addresses, social security numbers, assets and income
• Information about your transactions with our affiliates, others, or us such as: your account balance, payment history, parties to
transactions and credit card usage
• Information we receive from a consumer-reporting agency, such as: your credit worthiness and credit history
We disclose information in the following categories:
• We do not disclose any non-public personal information about our members of any of our former members to anyone, except as permitted by law.
• We may disclose all of the information we collect, as described above to companies that perform marketing services on our behalf. We may also share the information listed above with other financial institutions with which we have joint marketing agreements.
• UCFCU will restrict access to non-public personal information about members to those employees who need to know that information to provide products or services to that member. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard a member’s non-public personal information.
• Finally, any information gathered on any nonmembers whether it is public or non-public information will not be disclosed, except as permitted by law.
Meet Barbara Saph
Safari Savers Club!
With today’s money challenges, it’s
never too early to begin teaching good
saving habits. That’s why we now have a
savings program designed especially for
the youngest of savers, the Safari Savers
Barbara Saph has been working at our main
office since 2004 in the roll of Member Service
Representative. Each day, she assists members
with loans, vault, and share draft services.
In Barbara’s spare time, she enjoys
needlepoint, x-stitch, crochet, and knitting —
in fact, she is very creative and talented!
In addition to games and prizes to reward
good saving habits, there are a host of
animal characters that will also help
guide and teach money saving skills and
Barbara recently participated in the Relay
for Life walk, and feels that is one of the
most memorable events at UCFCU, as the
American Cancer Society is her favorite
charity. Barbara loves her credit union
family, and says “it will be a sad day
when I will have to retire…they will
always be in my heart.”
Any child, grandchild, niece or nephew of
a UCFCU member is eligible to enroll. If
you’d like to enroll a child in your family,
or learn more about the Safari Savers
Club, contact any branch office.
Unscramble these words to find out why you might want to start saving your money
for college. When you are done, check your answers below!
1. You’ll learn important __ __ __ __ __ __
L I S K S L
2. You’ll be even __ __ __ __ __ __ __
T R A M E R S
3. It will help you get a good __ __ __
O B J
Mon. - Fri. 9:30 a.m. - 5:00 p.m.
Phone • 734-485-3300 • Fax • 734-485-0240
Mon. - Wed. 10:00 a.m. - 5:00 p.m
Thurs. - 10:00 a.m. - 6:00 p.m.
Fri. 9:30 a.m. - 6:00 p.m.
Phone • 734-697-4800 - Fax • 734-697-4844
1. Skills 2. Smarter 3. Job 4. Proud
4. It will make your family __ __ __ __ __
D U R O P
“Unified Communities Federal Credit Union is a memberowned cooperative, that will continually strive to provide
professional services, remaining competitive and fiscally
responsible to its members’ needs.”