April 2015 - United Financial Credit Union

The Annual Meeting
was a Great Success!
Homebuyer Education
Buying a house is the largest purchase
of your life. Learn to navigate your path
to home ownership at The American
Dream, a homebuyer education
program. Come and learn the tools to:
•
•
•
budget and shop for your home
secure and close your loan
efficiently care for your home once
you’ve moved in
This free informative workshop will be
held at United Financial Credit Union:
4685 State St, Saginaw on May 28 from
6:00-7:00pm. Call
989-777-3620
to reserve
your spot.
Refreshments
will be served.
Don’t miss it!!
the
Informer
pleased to share that it was a great success! Thank you to all our guests,
as well as our sponsors listed below. If you were unable to attend the
2015 Annual Meeting, we hope you will make plans to join us next year!
-Saginaw Sting
-Saginaw Bay Area Title Agency
-CUAdvantage
-Gayle Green Florist
-Digity Media, LLC
-Pat’s Food Center & Do It Best
-Saginaw Spirit
-Hillier Studio
-Cumulus Media
Hardware
-Garber Buick
-Lamplighter
-Chronicled Keepsakes
-Riverside Family Restaurant
-American Solutions for Business
-The New Pompeii
Photography
-2nd Street Pub
-Fullerton Tool
-Yeager Asphalt & Roofing
-Carol Schneider Appraisal
-B&K Appraisal
-Vondette and Associates
-Hungry Howies of Freeland
-Choice Office Products
-Benefits Plus
-Wealth Management
-Jonnie-on-the-Spot
-TSSF Architects
-Answer Heating & Cooling
-LaClair Sales
-Dobis Landscaping
you deserve more and you get more at
united financial credit union
In This Issue
The American
Dream
Our 52nd Annual Meeting was held February 21, 2015, and we are
PRSRT STD
U.S. POSTAGE
PAID
CUADVANTAGE
PO Box 6430
Saginaw, MI 48608
Zero In on
Enjoy 0% APR*
for the first 90 days!
Visit www.unitedfinancialcu.org or visit your local branch to take
advantage of our 0% APR* for 90 Days Special, today!
*APR = Annual Percentage Rate. After the 90 day promotional rate, rates
are as low as 2.25% APR. Quoted rate is the lowest available rate. Your
rate after 90 days will be based on your credit history and may be
higher. Rates and terms are subject to change without notice
Mission Statement
If you’ve been considering the
purchase of your first home,
congratulations! As you begin this
by your side. Our experienced
COMMUNITY CORNER
the Muscular Dystrophy Association.
BLOG
MDA Drive Results
Results were $2,501.19 this year. The funds we raised will help
provide therapy, support, diagnostic work outs, immunizations,
© CUAdvantage.com • 877.799.0784
the First-Time
Homebuyer
a financial partner like United Financial
community. This past quarter, we had the honor of supporting
Federally insured by NCUA.
We’re Here for
exciting journey, it’s important to have
mortgage counselors will be here
for you each step of the way. We’ll
United Financial takes pride in supporting and giving back to our
ImpactSaginaw
A p r i l 2015
SpringTime Savings
989.777.3620
800.772.8728
www.unitedfinancialcu.org
your co m m u n i ty cred i t u n i o n s
savings grow!
Zero In on Springtime Savings • System Upgrade in Progress
We’re Here for the First-Time Homebuyer • Do You Speak EMV? • Holiday Closings
Online Services • Love My Credit Union Rewards • There’s Still Time for Your 2014 IRA
May is National Direct Deposit Month • National Credit Union Youth Month™
C.U. Around! • Check Out Our Club 64! • Impact Saginaw-Spirit Game Article
Saginaw Sting Ticket Vouchers • Annual Meeting Results • Community Corner
Isn’t it time you traded in your old car for one that will take you wherever
you want to go, in a fresh and exciting way? Then stop by United Financial
Credit Union for an auto loan! We’ll help you get behind the wheel of a
new ride while putting extra savings in your pocket.
United Financial Credit Union
will provide affordable, friendly,
and quality service to our members.
We are committed to the long-term
financial stability of our credit union
members and their families!
we can
help your
equipment repair and send one child to Summer Camp! Thank
you for donating to the MDA.
answer your questions, help you
System UPGRADE in Progress
determine how much home you can
United Financial Credit Union is in the process of upgrading to a new core
system that will help us operate more efficiently, improve our products and
services, and serve you better in the future.
entire home loan process.
The system upgrade will require United Financial CU to disrupt service
beginning Friday evening August 28, 2015 through Monday, August 31, 2015,
our System Upgrade Weekend.
afford, and walk you through the
Are you ready to get started? Contact
our Mortgage Department to schedule
one-on-one counseling with our team
All locations will be CLOSED on Saturday, August 29 and Monday, August 31.
today, and we’ll give you $250 off of
Please look for future communication from us as we approach these dates.
your Mortgage Closing Costs!
Holiday Closing
ME M O RIAL DAY
Monday, May 25
I N D E P E NDENCE DAY
Friday, July 3
Saturday, July 4
Do You Speak EMV?
You’ve probably heard about EMV and chip
card technology, and if you haven’t, you’re
sure to soon. So why not take a few
minutes to acquaint yourself with
EMV and chip card terminology
to prepare yourself for the coming
improvements to credit card security?
What is EMV? EMV chip technology is becoming
the global standard for credit card and debit card payments. Named
after Europay, MasterCard and VISA, EMV is a smart chip technology that
features payment instruments, such as cards and mobile phones, with
embedded microprocessor chips that store and protect cardholder data.
EMV is often referred to as chip-and-PIN, chip-and-signature, or simply
chip technology.
Online Services What is chip technology? Chip technology is an evolution in our
payment system that will help increase security, reduce fraud and enable
the use of future value-added applications.
We are excited to be working on
some new things with our online
services!! Look for more details
coming soon.
What are chip cards? Chip cards are standard bank cards that are
embedded with a micro computer chip and that require either a PIN or a
signature to complete transactions.
There’s Still Time for
Your 2014 IRA
It’s not too late to make contributions
to a 2014 IRA! You have until April 15,
2015, to contribute to your 2014 IRA.
Please be sure to specify that you are
making a 2014 contribution.
Events
AP R I L 25TH
What makes EMV different from traditional magnetic stripe card
payments? Chip technology is the most recent advancement in a global
initiative to combat fraud and protect sensitive payment data. While data
from a traditional magnetic stripe card can easily be copied using simple
and inexpensive card reading devices (skimmers), chip technology
features dynamic authentication capabilities that make it more effective in
combating fraud.
Why choose chip cards over traditional magnetic stripe cards?
Chip cards make it significantly more difficult for fraud organizations to
target cardholders and businesses alike, making it a smarter payment
solution for both consumers and merchants.
You can expect to start receiving your new EMV United Financial Credit
and Debit cards in July.
PaleoJoe
Presentation
Hollywood Casino &
Russel Stovers Outlet
M AY 1 6TH
Amish Quilt Auction
& Flea Market
M AY 2 8TH
The American Dream
Homebuyer Seminar
JU N E 9 T H
Mackinaw Island
JU N E 1 7TH
Trip to Shipshewana
Flea Market
HELPING YOU KEEP MORE OF
YOUR OWN MONEY
Did you know your credit union membership can help you save big
on everyday purchases? Simply shop with these Love My Credit Union
Rewards partners to receive exclusive credit union member discounts:
SPRINT | GM | TURBOTAX CREDIT | UNION AUTO CLUB
ADT | DELL | AND MORE!
For more information and full list of exclusive discounts, visit
www.lovemycreditunion.org.
As of April 1, 2015
Wild About Saving
April 1-30, 2015
This April, United Financial Credit Union will be celebrating National Credit Union Youth Month
by helping our young members get Wild About Saving. It will be the perfect opportunity to
share the Credit Union with your child! Every child who opens a new Kids Club Account will
receive a copy of PaleoJoe’s “Disappearance of Dinosaur Sue” Book!* Plus, we’ll have plenty
of fun activities and special treats for our younger members, including treats, refreshments,
and FREE** coin counting only during April 20-25th (the books for new accounts will be all
month/while supplies last). We look forward to celebrating this special month with you!
You’re Invited to join us for free presentation from PaleoJoe on April 23 from 6:00 to 7:00 pm.
Please call 989.777.3620 or email [email protected] to register. Feel free to bring a
friend!
*Must be a new Kids Club Account opened between March 1, 2015, and April 30, 2015, or while supplies last. **Coins must be deposited into Youth/
Teen Account.
Loan Type
APR*
As Low As
Vehicle Loans
2.25%
Classic Car Loan
7.00%
Recreational Vehicle
• Includes travel trailers, motor homes,
boats, motorcycles and snowmobiles
2.25%
Personal/Signature
7.90%
Quick Cash
14.90%
First Mortages • Fixed & Balloon available
3.00%
FHA
Call for Current Rate
Rural Development
Call for Current Rate
Second Mortgages
6.00%
Home Equity Line-of-Credit
5.00%***
Vacant Land 5.75%
For more details and rates, check out our website
www.unitedfinancialcu.org
*APR = Annual Percentage Rate. Rates and terms subject
to change without notice.
**Variable rate.
***Variable rate. Maximum APR of 14.00%.
Are You Age 64 or Better?
Check Out Our Club 64!
All United Financial members who are age 64 or better are automatically enrolled in our Club 64!
As a Club 64 member, you have access to all kinds of extra freebies at the Credit Union in addition
to exciting trips and outings like these:
April 28th – Hollywood Casino & Russell Stover Outlet – Enjoy a truly sweet treat with a casino
package that includes $5.00 in free play and a specially-priced Epic Buffet for only $8.99. On the way home, we will stop
for dessert at Russell Stover Candy Store Outlet, where Club 64 members will receive 10% off all purchases! FEE: $49
Scoreboard
1st Quarter as of February 28, 2015
Assets.............................$186,171,639.75
Loans..............................$112,626,949.18
Members..........................................19,689
Checking Accounts..........................10,383
June 9th – Mackinaw Island – Enjoy an old-fashioned carriage tour of the island during Lilac Festival, a grand buffet
luncheon at the Grand Hotel, followed by time for you to browse through the shops. Ferry back to Mackinaw City any time
you like for more shopping. FEE: $162
Saturday, May 16th - Amish Quilt Auction & Flea Market - One stop shopping at it’s best! Watch the quilts being
auctioned, enjoy the huge flea market, eat an Amish Meal in the food building (on your own), then buy your baked goods
prepared by all the Amish women of the community. Our bus will be parked right there at the Auction (no shuttling back
& forth from Clare for us!) we can return to the bus to rest or unload shopping treasures anytime. FEE: $46
AP R I L 28TH
Loan Rates
National Credit Union Youth Month™
Wednesday, June 17th - Trip to Shipshewana Flea Market on Antique auction day, with stops at the Bulk Food Store
and downtown Shipshewana. After shopping, we will head to Das Essenhaus in Middlebury for you to enjoy dinner on
your own or enjoy the gift shop $20 Deposit with balance due June 2nd. FEE: $79
Impact Saginaw - Spirit Game
Impact Saginaw was proud to provide over 375 Saginaw elementary school
children with the opportunity to attend the annual Saginaw Spirit Education
Day at the Dow Event Center on Tuesday, March 3rd. Through sponsorship
of Impact Saginaw, the children were transported by bus to the Dow Event
Center and provided with a complimentary lunch and Impact Saginaw lunch
tote. They also enjoyed hockey action on-ice as the Saginaw Spirit take on
the Plymouth Whalers and view educational displays throughout the arena.
TICKET VOUCHERS
We have discount Saginaw Sting
ticket vouchers! Purchase your
vouchers for just $9.00 each or buy
3, get 1 free! Vouchers are good for
one General Admission seat at any
home game.