Annual Meeting - United Financial Credit Union

United Financial
LEADERSHIP
United Financial Credit Union
raised $4,208.04 this past
holiday season for the CAN
st
(Child Abuse and Neglect)
Council Great Lakes Bay Region
and CASA of Saginaw County. They collected monetary donations and Wish
List items for 120 kids that are currently in the CASA
program. We wanted to thank everyone that made
a donation and helped give these kids something to
look forward to for Christmas.
to
ou like
Would y family on
r
see you sletter?
our new r photo to
you
Submit eting@
mark
u.org.
nancialc
unitedfi
1 Annual
Ed Ulmer II, Chairman
Tom Ochodnicky, Vice Chairman
Jim Trommer, Secretary/Treasurer
Michael Poag, Director
Patricia Hatch, Director
Robert Callison, Director
Ron Trevillian, Director
Join Our Text
Club & You
Could Win $25!
Staying up to date with current
credit union news is easy when
you join the United Financial
Credit Union Text Club!
Text PURPLE to 68683.
One lucky text
club member
will win
a $25 gift
card each
month.
A very big thank you to all of our
2012 Fireplace Sponsors:
American Solutions for Business - Deb
Hackett
Louie’s Pet Beastro - Auburn
Red Wing Shoes - Saginaw
U.S. Sheet Metal - Saginaw
CUAdvantage Marketing Solutions Saginaw
Judge Faye Harrison
Dr. Larry Wee, DMD - Bridgeport
Master’s Tool & Die, Inc - Bridgeport
Russell Dowis
Hi-Tech Steel Treating, Inc - Saginaw
Hungry Howie’s - Freeland
Cobblestone Homes - Freeland
Cindy Morley
Dave Cibulka & Family - Freeland
Tim Jacques - Saginaw
Pay It Forward Jayden Style - Josie,
Madie, Emily, Lily Maximum Max
Patton AFC - Saginaw
Jurmanovich/Reimer Family
Andy, Jake, Morgan, Danny & Dan Sr.
Margaret Placher
The Kernel Burner - Saginaw
Grace, Ella, Ryan, Claire, Olivia &
Charlie
Getting Your Federal Benefits by Check?
DON’T DELAY: Go Direct Deposit Today!
The U.S. Department of Treasury is in the process of switching benefit
payments by check to electronic benefit payments. By March 1, 2013,
everyone getting federal benefits by paper check will need to switch
to electronic payments, either by direct deposit to a bank or credit
union account or to the Direct Express® Debit MasterCard card.
TICKET
VOUCHERS
We have discount Saginaw Sting Ticket
Vouchers! Purchase your vouchers for just
$9.00 each. Vouchers are good for one
General Admission seat at any home game.
By choosing direct deposit, you can have your money electronically
deposited into your United Financial account on time, every time. It’s
so safe and convenient, why wait until March to make the switch?
Stop by your local credit union branch with your most recent benefit
check and we’ll be happy to help you make the switch from payment
by check to direct deposit today.
the
Informer
989.777.3620 • 800.772.8728
www.unitedfinancialcu.org
Bridgeport Township Office
5658 Dixie Hwy., Saginaw, MI 48601
Fax: 989.777.3642
Saginaw Offices
4685 State St., Saginaw, MI 48603
Fax: 989.399.8673
2510 Weiss St., Saginaw, MI 48602
Fax: 989.399.8620
Chesaning Office
124 North 3rd St., Chesaning, MI 48616
Fax: 989.399.8691
Freeland Office
7600 Midland Rd., Freeland, MI 48623
Fax: 989.399.8705
Auburn Office
4716 S. Garfield Rd., Auburn, MI 48611
Fax: 989.399.8707
Mailing Address
P.O. Box 618, Bridgeport, MI 48722
Lobby Hours
Mon. - Thurs. 9 a.m to 5 p.m.
Friday 9 a.m to 6 p.m.
Saturday (State St. location only)
9 a.m to 12:30 p.m.
Drive-Thru Hours
Mon. - Thurs. 9 a.m to 5 p.m.
Friday 8:30 a.m to 6 p.m.
(State St. location 7 a.m to 6 p.m.)
Saturday 9 a.m. to 12:30 p.m.
(Weiss St. location closed)
you deserve more and you get more at
united financial credit union
In This Issue
Board of Directors
Balance Transfer • Annual Meeting • Fee Increase • Virtual Branch Upgrade
Holiday Closings • Love Your Car and Your Loan • Save to Win • SaveUp
Christmas Club Accounts • Keep Your Accounts and Beneficiaries Up To Date
Membership Benefits • Daylight Saving Time • Tax-Time Tips • Scholarships
United Financial Debit Card Now Has Prewards® • Annual Credit Report
Saginaw Spirit Tickets • CASA Christmas • Federal Benefit Payments
Is Your High-Rate Credit
Card Too Heavy To Carry?
Unload your balance to a United Financial Personal Loan
and receive up to a $150 BONUS*!
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!
nnA
cash bonus!
easy to manage monthly payment.
nnRates starting as low as 6.90% APR**
nnOne
Please speak with a loan services
representative to get started today!
United Financial Credit Union is dedicated to serving the financial
needs of the Valley Community. We appreciate you, our valued member,
and we look forward to serving your financial needs for many years
to come. We hope you will join us:
DATE
TIME
5:00 p.m. – Meeting | 5:30 p.m. – Cocktail/Social | 6:00 p.m. – Dinner
PO Box 618
Bridgeport, MI 48722
CUADVANTAGE
PAID
PRSRT STD
U.S. POSTAGE
© CUAdvantage.com • 877.799.0784
NOTICE
We have updated our Rate and
Fee disclosure. Please check our
website for our most up to date
fee structure. Changes will be
effective March 1, 2013.
*Bonus will be based on 1% of loan
balance, maximum bonus $150.00.
Some restrictions may apply.
**APR = Annual Percentage Rate. Rate subject to change.
Saturday, February 16, 2013
Federally insured by NCUA.
j a n u a r y 2013
Consolidate your leftover holiday bills and other high rate debt into one low
monthly payment right here, and enjoy:
Annual
Meeting
& Membership Dinner
Mission Statement
start the new year
with a clean slate
LOCATION
LFA Hall, 2323 Amelith Road, Bay City, MI
Entertainment will be provided by The Music Doctors. Tickets are
$15.00 each and can be purchased at any United Financial
office or online. We hope to see you there!
Virtual Branch
Login
U P G R A D E
United Financial will be upgrading
the Virtual Branch Home Banking
security questions in mid-January.
Please visit our website for an
updated timeline.
Holiday Closings
PR E S ID E N T S ’ D A Y
Monday • February 18
Get a Head
Start on the 2013
Holiday Season!
Wouldn’t it be great to enter the 2013
holiday season with cash in your
hand? With a Christmas Club Account
from United Financial, you can! A
Christmas Club Account is an easy,
convenient way to save throughout
the entire year, especially when you
take advantage of automatic transfers.
For details or to open a Christmas
Club Account, stop by the Credit
Union. We’ll be happy to help.
Please Keep Your
Accounts And
Beneficiaries Up To Date
Have you moved? Has your phone
number or email address changed?
Have you checked your beneficiary
information lately? Please take a
few minutes to review all of your
information and let us know of any
changes. For your convenience, you
may submit a change of address
request through online banking. We
appreciate your help in keeping us
up to date.
Daylight Saving Time
REMINDER
Daylight Saving Time begins Sunday,
March 10 at 2:00 a.m. Remember
to set your clocks ahead one hour
before you go to bed Saturday night.
nnTry
Fitting a new auto loan into your monthly budget is easier than ever.
With rates as low as 2.50% APR* a United Financial auto loan can help
you keep your monthly auto payments low and affordable.
Plus, General Motors is offering all current and eligible credit union
members preferred pricing on most new GM vehicles. This is in
addition to the most current incentives and special offers! Depending
on the vehicle, you could save hundreds, even thousands of dollars on
your next new Chevrolet, Buick, or GMC vehicle purchase just for being
a credit union member. Visit LoveMyCreditUnion.org to see how much
you can save and request your GM Authorization Number before you
apply for your loan.
Just stop by or visit www.unitedfinancialcu.org to apply today.
*APR = Annual Percentage Rate. Quoted rate is the lowest available rate. Your rate will be based
on your credit history and may be higher. Rates and terms subject to change without notice.
It’s Time to
Savings barely scratching the surface?
Every $25 deposit into a Save to Win
Certificate of Deposit is a chance to
win monthly prizes and a chance
at 1 of 6 $10,000 grand prizes!
Coming in
February!
Members will be able to safely link their financial accounts in SaveUp’s
secured website. Every time you contribute to your savings or
retirement accounts; pay down your credit cards, mortgages or other
loans; or engage with SaveUp’s financial education content you earn
credits you can use to play online games for prizes. Credit union
members could win valuable prizes from United Financial as well as,
well-known sponsors like Best Buy©, IKEA©, Disney©, Virgin America©
and even a $2 million jackpot.
Benefit From Your
Credit Union Membership
Low loan rates, friendly service and convenient access—they’re all great
reasons to belong to United Financial Credit Union. But did you know
your credit union membership has even more to offer?
Enjoy:
nn FREE Checking with no minimum balance requirements or monthly
service fees
nn FREE Online Banking with access to FREE eStatements
nn United Financial ATIRAcredit Rewards MasterCard with no annual fee
or hidden fees
Plus, once you’re a member of United Financial, you’re always a
member. So, no matter where life takes you, we’ll always be here to
serve your financial needs. Talk to us about taking full advantage of your
credit union membership by utilizing our wide variety of services today.
Tax-Time Tips
TurboTax: Prepare and file your taxes quickly and easily by
following the link on our website. TurboTax will guide
you through the entire process and you pay nothing
until you file, so you can try it out risk-free.
nnMonitor your mailbox: We will soon be
mailing out IRS Form 1099 for members who
earned $10 or more in dividends on credit
union accounts and IRS Form 1098 for those who
paid at least $600 in interest on credit union mortgages. If you
receive one or both of these forms, please retain them for your tax
preparation.
nnRequest Direct Deposit: If you’re expecting a tax refund, be
sure to request Direct Deposit. Direct Deposit is simple, secure,
and best of all, quick! You could receive your refund in as little
as 10 days. Simply complete the Direct Deposit line on your tax
form and include your United Financial account number and our
routing number, 272477241.
nnSplit your Refund: If you’d like to split your refund, you can use
IRS Form 8888 to have your refund directly deposited into as
many as three accounts. This is a great way to build your IRA or
your emergency fund account.
nnIRAs: You still have several months to make your 2012 deposits.
Contribution limits are $5,000 a year for 2012 and $5,500 a year
for 2013, with an additional $1,000 allowed for taxpayers over the
age of 50.
Loan Rates
As of January 1, 2013
Your United Financial
Debit
Card
just got better!
Starting February 11th, you will receive exciting
offers and instant cash-savings with Prewards®!
Immediate discount offers linked to your favorite
merchants. There are no points to collect, no
rebates to send, and no fees to you. Just real
money saving offers by text and/or email.
United Financial Credit Union will also offer a
Tax Refund Advance Loan* to all tax filers who
have an account with us and who directly
deposit their tax refund to the credit union.
*Loan is granted based on anticipated refund. $40.00 loan processing fee. Some restrictions
may apply. See credit union for details.
HIGH SCHOOL SENIORS:
It’s Time to Apply for a United
Financial Scholarship!
We are excited to once again offer our young members the
opportunity to apply for one of our four (4) college scholarship
awards, each in the amount of $500. If you are making plans to
attend college, be sure to apply for a United Financial scholarship to
help pay for your college-related expenses.
What you need to know:
nn Applications will be available
January 14, 2013 on our website
at www.unitedfinancialcu.org
and at any United Financial branch.
Good luck to all of our applicants! Please
let us know if you have any questions.
APR*
As Low As
Vehicle Loans
2.50%
Classic Car Loan
7.25%
Recreational Vehicle
• Includes travel trailers, motor homes,
boats, motorcycles and snowmobiles
2.50%
Personal/Signature
6.90%
Quick Cash
14.90%
First Mortages • Fixed & Balloon available
2.80%
FHA
Call for Current Rate
Rural Development
Call for Current Rate
Second Mortgages
6.00%
Home Equity Line-of-Credit
5.00%***
Construction Loans
Vacant Land 2.80%
6.00%
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%.
Get a chance to double your tax refund with TurboTax.®
Try any TurboTax Online product for FREE and get a chance to
double your tax refund. TurboTax puts the power in your hands
to keep more of your hard earned money. See how easy it is to get
more control over your taxes! Visit www.unitedfinancialcu.org for
more information.
Loan Type
Shopping for
a Loan?
Be Sure to Review Your
Annual Credit Report.
Scoreboard
4th Quarter as of November 30, 2012
Assets.............................$166,909,677.18
Loans..............................$100,778,804.09
Members..........................................19,018
Checking Accounts............................9,986
Your credit history directly affects your
ability to borrow money from a lender.
It will determine whether or not you’ll
be approved for a loan as well as your
interest rate and loan terms. That’s why it’s
so important to monitor your credit score
on a regular basis and to make sure the
information on your credit report is accurate.
Under the Fair Credit Reporting Act, you’re
guaranteed access to a free copy of
your credit report from each of the three
nationwide credit reporting companies –
Experian, Equifax, and TransUnion – every 12
months. So, obtaining your free annual report
is simple and free.
Visit www.annualcreditreport.com to
get your free copy today. And remember,
if you see any inaccurate information on
your credit report, including accounts you
don’t recognize or unauthorized activity,
contact the credit reporting agency and the
information provider immediately.
Discount Saginaw
Spirit Ticket Vouchers
Now Available!
Good for any home game.
Get yours today for only
$9.50 each!
Join us for the 6th Annual
Credit Union Night at a
Saginaw Spirit hockey game on
FEBRUARY 16, 2013 .
We have special ticket prices
for members.
Holiday Closings
PR E S ID E N T S ’ D A Y
Monday • February 18
Get a Head
Start on the 2013
Holiday Season!
Wouldn’t it be great to enter the 2013
holiday season with cash in your
hand? With a Christmas Club Account
from United Financial, you can! A
Christmas Club Account is an easy,
convenient way to save throughout
the entire year, especially when you
take advantage of automatic transfers.
For details or to open a Christmas
Club Account, stop by the Credit
Union. We’ll be happy to help.
Please Keep Your
Accounts And
Beneficiaries Up To Date
Have you moved? Has your phone
number or email address changed?
Have you checked your beneficiary
information lately? Please take a
few minutes to review all of your
information and let us know of any
changes. For your convenience, you
may submit a change of address
request through online banking. We
appreciate your help in keeping us
up to date.
Daylight Saving Time
REMINDER
Daylight Saving Time begins Sunday,
March 10 at 2:00 a.m. Remember
to set your clocks ahead one hour
before you go to bed Saturday night.
nnTry
Fitting a new auto loan into your monthly budget is easier than ever.
With rates as low as 2.50% APR* a United Financial auto loan can help
you keep your monthly auto payments low and affordable.
Plus, General Motors is offering all current and eligible credit union
members preferred pricing on most new GM vehicles. This is in
addition to the most current incentives and special offers! Depending
on the vehicle, you could save hundreds, even thousands of dollars on
your next new Chevrolet, Buick, or GMC vehicle purchase just for being
a credit union member. Visit LoveMyCreditUnion.org to see how much
you can save and request your GM Authorization Number before you
apply for your loan.
Just stop by or visit www.unitedfinancialcu.org to apply today.
*APR = Annual Percentage Rate. Quoted rate is the lowest available rate. Your rate will be based
on your credit history and may be higher. Rates and terms subject to change without notice.
It’s Time to
Savings barely scratching the surface?
Every $25 deposit into a Save to Win
Certificate of Deposit is a chance to
win monthly prizes and a chance
at 1 of 6 $10,000 grand prizes!
Coming in
February!
Members will be able to safely link their financial accounts in SaveUp’s
secured website. Every time you contribute to your savings or
retirement accounts; pay down your credit cards, mortgages or other
loans; or engage with SaveUp’s financial education content you earn
credits you can use to play online games for prizes. Credit union
members could win valuable prizes from United Financial as well as,
well-known sponsors like Best Buy©, IKEA©, Disney©, Virgin America©
and even a $2 million jackpot.
Benefit From Your
Credit Union Membership
Low loan rates, friendly service and convenient access—they’re all great
reasons to belong to United Financial Credit Union. But did you know
your credit union membership has even more to offer?
Enjoy:
nn FREE Checking with no minimum balance requirements or monthly
service fees
nn FREE Online Banking with access to FREE eStatements
nn United Financial ATIRAcredit Rewards MasterCard with no annual fee
or hidden fees
Plus, once you’re a member of United Financial, you’re always a
member. So, no matter where life takes you, we’ll always be here to
serve your financial needs. Talk to us about taking full advantage of your
credit union membership by utilizing our wide variety of services today.
Tax-Time Tips
TurboTax: Prepare and file your taxes quickly and easily by
following the link on our website. TurboTax will guide
you through the entire process and you pay nothing
until you file, so you can try it out risk-free.
nnMonitor your mailbox: We will soon be
mailing out IRS Form 1099 for members who
earned $10 or more in dividends on credit
union accounts and IRS Form 1098 for those who
paid at least $600 in interest on credit union mortgages. If you
receive one or both of these forms, please retain them for your tax
preparation.
nnRequest Direct Deposit: If you’re expecting a tax refund, be
sure to request Direct Deposit. Direct Deposit is simple, secure,
and best of all, quick! You could receive your refund in as little
as 10 days. Simply complete the Direct Deposit line on your tax
form and include your United Financial account number and our
routing number, 272477241.
nnSplit your Refund: If you’d like to split your refund, you can use
IRS Form 8888 to have your refund directly deposited into as
many as three accounts. This is a great way to build your IRA or
your emergency fund account.
nnIRAs: You still have several months to make your 2012 deposits.
Contribution limits are $5,000 a year for 2012 and $5,500 a year
for 2013, with an additional $1,000 allowed for taxpayers over the
age of 50.
Loan Rates
As of January 1, 2013
Your United Financial
Debit
Card
just got better!
Starting February 11th, you will receive exciting
offers and instant cash-savings with Prewards®!
Immediate discount offers linked to your favorite
merchants. There are no points to collect, no
rebates to send, and no fees to you. Just real
money saving offers by text and/or email.
United Financial Credit Union will also offer a
Tax Refund Advance Loan* to all tax filers who
have an account with us and who directly
deposit their tax refund to the credit union.
*Loan is granted based on anticipated refund. $40.00 loan processing fee. Some restrictions
may apply. See credit union for details.
HIGH SCHOOL SENIORS:
It’s Time to Apply for a United
Financial Scholarship!
We are excited to once again offer our young members the
opportunity to apply for one of our four (4) college scholarship
awards, each in the amount of $500. If you are making plans to
attend college, be sure to apply for a United Financial scholarship to
help pay for your college-related expenses.
What you need to know:
nn Applications will be available
January 14, 2013 on our website
at www.unitedfinancialcu.org
and at any United Financial branch.
Good luck to all of our applicants! Please
let us know if you have any questions.
APR*
As Low As
Vehicle Loans
2.50%
Classic Car Loan
7.25%
Recreational Vehicle
• Includes travel trailers, motor homes,
boats, motorcycles and snowmobiles
2.50%
Personal/Signature
6.90%
Quick Cash
14.90%
First Mortages • Fixed & Balloon available
2.80%
FHA
Call for Current Rate
Rural Development
Call for Current Rate
Second Mortgages
6.00%
Home Equity Line-of-Credit
5.00%***
Construction Loans
Vacant Land 2.80%
6.00%
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%.
Get a chance to double your tax refund with TurboTax.®
Try any TurboTax Online product for FREE and get a chance to
double your tax refund. TurboTax puts the power in your hands
to keep more of your hard earned money. See how easy it is to get
more control over your taxes! Visit www.unitedfinancialcu.org for
more information.
Loan Type
Shopping for
a Loan?
Be Sure to Review Your
Annual Credit Report.
Scoreboard
4th Quarter as of November 30, 2012
Assets.............................$166,909,677.18
Loans..............................$100,778,804.09
Members..........................................19,018
Checking Accounts............................9,986
Your credit history directly affects your
ability to borrow money from a lender.
It will determine whether or not you’ll
be approved for a loan as well as your
interest rate and loan terms. That’s why it’s
so important to monitor your credit score
on a regular basis and to make sure the
information on your credit report is accurate.
Under the Fair Credit Reporting Act, you’re
guaranteed access to a free copy of
your credit report from each of the three
nationwide credit reporting companies –
Experian, Equifax, and TransUnion – every 12
months. So, obtaining your free annual report
is simple and free.
Visit www.annualcreditreport.com to
get your free copy today. And remember,
if you see any inaccurate information on
your credit report, including accounts you
don’t recognize or unauthorized activity,
contact the credit reporting agency and the
information provider immediately.
Discount Saginaw
Spirit Ticket Vouchers
Now Available!
Good for any home game.
Get yours today for only
$9.50 each!
Join us for the 6th Annual
Credit Union Night at a
Saginaw Spirit hockey game on
FEBRUARY 16, 2013 .
We have special ticket prices
for members.
United Financial
LEADERSHIP
United Financial Credit Union
raised $4,208.04 this past
holiday season for the CAN
st
(Child Abuse and Neglect)
Council Great Lakes Bay Region
and CASA of Saginaw County. They collected monetary donations and Wish
List items for 120 kids that are currently in the CASA
program. We wanted to thank everyone that made
a donation and helped give these kids something to
look forward to for Christmas.
to
ou like
Would y family on
r
see you sletter?
our new r photo to
you
Submit eting@
mark
u.org.
nancialc
unitedfi
1 Annual
Ed Ulmer II, Chairman
Tom Ochodnicky, Vice Chairman
Jim Trommer, Secretary/Treasurer
Michael Poag, Director
Patricia Hatch, Director
Robert Callison, Director
Ron Trevillian, Director
Join Our Text
Club & You
Could Win $25!
Staying up to date with current
credit union news is easy when
you join the United Financial
Credit Union Text Club!
Text PURPLE to 68683.
One lucky text
club member
will win
a $25 gift
card each
month.
A very big thank you to all of our
2012 Fireplace Sponsors:
American Solutions for Business - Deb
Hackett
Louie’s Pet Beastro - Auburn
Red Wing Shoes - Saginaw
U.S. Sheet Metal - Saginaw
CUAdvantage Marketing Solutions Saginaw
Judge Faye Harrison
Dr. Larry Wee, DMD - Bridgeport
Master’s Tool & Die, Inc - Bridgeport
Russell Dowis
Hi-Tech Steel Treating, Inc - Saginaw
Hungry Howie’s - Freeland
Cobblestone Homes - Freeland
Cindy Morley
Dave Cibulka & Family - Freeland
Tim Jacques - Saginaw
Pay It Forward Jayden Style - Josie,
Madie, Emily, Lily Maximum Max
Patton AFC - Saginaw
Jurmanovich/Reimer Family
Andy, Jake, Morgan, Danny & Dan Sr.
Margaret Placher
The Kernel Burner - Saginaw
Grace, Ella, Ryan, Claire, Olivia &
Charlie
Getting Your Federal Benefits by Check?
DON’T DELAY: Go Direct Deposit Today!
The U.S. Department of Treasury is in the process of switching benefit
payments by check to electronic benefit payments. By March 1, 2013,
everyone getting federal benefits by paper check will need to switch
to electronic payments, either by direct deposit to a bank or credit
union account or to the Direct Express® Debit MasterCard card.
TICKET
VOUCHERS
We have discount Saginaw Sting Ticket
Vouchers! Purchase your vouchers for just
$9.00 each. Vouchers are good for one
General Admission seat at any home game.
By choosing direct deposit, you can have your money electronically
deposited into your United Financial account on time, every time. It’s
so safe and convenient, why wait until March to make the switch?
Stop by your local credit union branch with your most recent benefit
check and we’ll be happy to help you make the switch from payment
by check to direct deposit today.
the
Informer
989.777.3620 • 800.772.8728
www.unitedfinancialcu.org
Bridgeport Township Office
5658 Dixie Hwy., Saginaw, MI 48601
Fax: 989.777.3642
Saginaw Offices
4685 State St., Saginaw, MI 48603
Fax: 989.399.8673
2510 Weiss St., Saginaw, MI 48602
Fax: 989.399.8620
Chesaning Office
124 North 3rd St., Chesaning, MI 48616
Fax: 989.399.8691
Freeland Office
7600 Midland Rd., Freeland, MI 48623
Fax: 989.399.8705
Auburn Office
4716 S. Garfield Rd., Auburn, MI 48611
Fax: 989.399.8707
Mailing Address
P.O. Box 618, Bridgeport, MI 48722
Lobby Hours
Mon. - Thurs. 9 a.m to 5 p.m.
Friday 9 a.m to 6 p.m.
Saturday (State St. location only)
9 a.m to 12:30 p.m.
Drive-Thru Hours
Mon. - Thurs. 9 a.m to 5 p.m.
Friday 8:30 a.m to 6 p.m.
(State St. location 7 a.m to 6 p.m.)
Saturday 9 a.m. to 12:30 p.m.
(Weiss St. location closed)
you deserve more and you get more at
united financial credit union
In This Issue
Board of Directors
Balance Transfer • Annual Meeting • Fee Increase • Virtual Branch Upgrade
Holiday Closings • Love Your Car and Your Loan • Save to Win • SaveUp
Christmas Club Accounts • Keep Your Accounts and Beneficiaries Up To Date
Membership Benefits • Daylight Saving Time • Tax-Time Tips • Scholarships
United Financial Debit Card Now Has Prewards® • Annual Credit Report
Saginaw Spirit Tickets • CASA Christmas • Federal Benefit Payments
Is Your High-Rate Credit
Card Too Heavy To Carry?
Unload your balance to a United Financial Personal Loan
and receive up to a $150 BONUS*!
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!
nnA
cash bonus!
easy to manage monthly payment.
nnRates starting as low as 6.90% APR**
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Please speak with a loan services
representative to get started today!
United Financial Credit Union is dedicated to serving the financial
needs of the Valley Community. We appreciate you, our valued member,
and we look forward to serving your financial needs for many years
to come. We hope you will join us:
DATE
TIME
5:00 p.m. – Meeting | 5:30 p.m. – Cocktail/Social | 6:00 p.m. – Dinner
PO Box 618
Bridgeport, MI 48722
CUADVANTAGE
PAID
PRSRT STD
U.S. POSTAGE
© CUAdvantage.com • 877.799.0784
NOTICE
We have updated our Rate and
Fee disclosure. Please check our
website for our most up to date
fee structure. Changes will be
effective March 1, 2013.
*Bonus will be based on 1% of loan
balance, maximum bonus $150.00.
Some restrictions may apply.
**APR = Annual Percentage Rate. Rate subject to change.
Saturday, February 16, 2013
Federally insured by NCUA.
j a n u a r y 2013
Consolidate your leftover holiday bills and other high rate debt into one low
monthly payment right here, and enjoy:
Annual
Meeting
& Membership Dinner
Mission Statement
start the new year
with a clean slate
LOCATION
LFA Hall, 2323 Amelith Road, Bay City, MI
Entertainment will be provided by The Music Doctors. Tickets are
$15.00 each and can be purchased at any United Financial
office or online. We hope to see you there!
Virtual Branch
Login
U P G R A D E
United Financial will be upgrading
the Virtual Branch Home Banking
security questions in mid-January.
Please visit our website for an
updated timeline.