We Have A New Look! - United Consumers Credit Union

Banking is what you do,
not where you do it
SPRING 2012
Banking The Credit Union Way
No Payments
For 90 Days!*
You don’t need to hit a sunny beach or sit beneath the palm
trees to get away this year. United Consumers Credit Union
is offering the break you really want – a break from your
loan payments!
Open an auto loan with United Consumers Credit Union,
and make no payments for 90 days!*
Get the rest and relaxation you deserve with worry-free
financing from your credit union. Check out these fantastic loan
features:
• Enjoy a quick application process with no fees or
hidden charges
• Borrow up to 120% of your vehicle’s value
• Save more with low, fixed interest rates
• Receive affordable payments and flexible terms
up to 84 months
Already have an auto loan with another lender?
Refinancing is a breeze! Our staff will help you
send your payments on vacation, so you can
enjoy great savings!
Visit www.uccumo.com to learn
more, or call (816) 325-6900
to apply today!
*Offer valid for a limited time, and
is subject to member eligibility
and creditworthiness. Approved
members may defer loan payments
for 90 days after loan signing.
Interest will accrue during deferral
period. Contact the credit union
for complete details.
We Have A New Look!
www.uccumo.com
United Consumers Credit Union is thrilled to unveil our new website!
With a crisp new look, easy navigation and product-based informational
pages, this site is built to serve our members as a relevant and timely
financial resource. With just a few clicks, you can check the latest
news, events, promotions and announcements from your credit union.
Be sure to check back often, and see how UCCU can help you!
Money Doesn’t Grow On Trees
But It Does Grow At UCCU
We tell our kids, “Money
doesn’t grow on trees.” So
where does it come from?
Teach your children about
money management,
loans and credit with
our Youth Services. With
help from UCCU, you can
plant the seed of smart savings:
First Time
Savings
Accounts
Designed for
members ages 17
and younger, this
account teaches
strong savings principles
for a lifetime of healthy
finances. Members will earn
quarterly dividends, so they can
learn about interest and how it pays to save.
First Time Checking Accounts
With the guidance and support of an adult co-signer, this account offers
greater financial freedom to our young members. First Time Checking
Accounts feature free online banking, e-statements, mobile money
service and debit cards.
First Time Auto Loans
This program makes financing that first car or truck easy and convenient. Members ages 16-22 can borrow up to 100% of their vehicle’s
value and enjoy flexible terms up to 60 months. No credit history is
required, and a loan officer will customize each loan to fit our young
members’ needs.
First Time Credit Cards
A UCCU Visa® Credit Card gives members ages 16-24 reasonable
credit limits, low interest rates, great purchasing power and convenient
account access. Parents or guardians co-sign these cards, so young
cardholders can learn about smart credit use from a trusted advisor.
Money may not magically grow from trees, but it can grow with the
Youth Services at UCCU. Visit www.uccumo.com to learn more, or stop
by the UCCU office near you to open a youth account today!
Be A
Credit Union
Super Saver
Since superheroes use their
powers to save others from harm
and take action to protect the
common good, it’s no surprise
that people around the country
admire them. Now, UCCU is
encouraging our young members
to recognize their own super
powers during National Credit
Union Youth Week, April 23
through 28.
This year's theme, "Be a Credit
Union Super Saver," focuses on
the ways young people can utilize
their own strengths as well as
credit union resources to meet
their goals. You can encourage
your child to participate by
helping him or her open a UCCU
youth account or make a savings
deposit. Bring your super saver
by the credit union, and help us
celebrate National Credit Union
Youth Week!
Can You Fill Your Tank & Your Wallet?
How Gas Rebate Cards Can Leave You Feeling Empty
With gas prices reaching record highs, the numbers at the pump might have you
considering a way around high fill-up costs. But before you sign up for a credit card
from your favorite gas station, make sure you’re driving away with a deal.
Many gas rebate cards do offer great discounts – sometimes as much as 5% on your
gasoline purchases. At that rate, you can fill up at $4.00 a gallon, pay $3.80 a gallon,
and save $3.00 for 15 gallons of gas. Those small savings can add up to more than $150
annually, but at what cost?
Interest rates on rebate cards tend to be higher than those on
standard credit cards – as high as 24.99% APR!* Plus, there is
often an annual fee and a limit to the rebate amount based on
purchases. For those consumers who carry a balance, the fees
and high interest rates quickly burn the rebate amounts until the
savings are reduced to fumes.
Decrease
Your Gas Costs
If you’re looking for a simple way to reduce your pain at the
pump, check out great low-interest cards like UCCU’s UChoose
Rewards Visa Credit Card. You’ll enjoy low, fixed rates and no
annual fee. Our cardholders also receive reward points for every
qualifying purchase, not just gas. Applying is quick and easy, so
contact UCCU today!
• Drive sensibly – Rapid braking or
*APR = Annual Percentage Rate. Gas card rate quoted from Shell Drive For Fivesm Credit Card disclosure.
Membership and creditworthiness apply to all UCCU credit card offers. Contact the credit union for
complete details.
Here are a few tips for improving your
mileage and reducing your gas bill:
•
•
•
We’re Opening Doors For You
You want a mortgage that helps you reach your goals, and a
partner that will be there every step of the way. At UCCU,
you’ll find both.
Interest rates are still low, making this the perfect time to
purchase a new house, refinance your current
loan or make upgrades to create your
dream home. We offer several financing
options to fit your needs:
• Fixed & Adjustable-Rate Mortgage
Loans
• Special Loan Programs
• Piggyback Loans
• Commercial Property Loans
Talk to UCCU about your mortgage
loan options, and let us open the door
to great savings and personal service.
•
•
acceleration can reduce gas efficiency by
as much as 33%
Slow your roll – Gas mileage decreases
significantly at speeds faster than 60 miles
per hour
Lighten the load – Gas mileage drops by
2% for every 100 lbs. of weight your car
carries
Check your tires – Improve gas mileage by
3.3% by keeping your tires inflated to the
proper pressure
Plan ahead – Combine your errands into one
trip to reduce your overall mileage
Phone it in – Talk to your employer about
telecommuting to save time and money
For more information on improving your car’s
efficiency, visit www.fueleconomy.gov.
Holiday Closings
Our offices will close in observance
of the following holidays:
Memorial Day
May 28
Independence Day July 4
UCCU Honors Retiring Volunteers
Be A Part Of The
Credit Union Difference
The credit union would like to recognize two valuable members
who have devoted their time and talents to serving UCCU.
Volunteer leadership sets UCCU apart from
other financial institutions. Instead of answering to stockholders or corporate agendas, we
rely on our members to help us establish the
direction, programs and policies of the credit
union. Now, you have an opportunity to be a
part of the credit union difference!
United Consumers Credit Union is currently
accepting nominations for volunteer positions.
If you are interested in the opportunity to
serve the credit union and our members,
please contact us at (816) 325-6900. With
your help, UCCU will continue our history of
strength, service and financial success.
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
Mary Brown
Jared Fears
Donald Seaver
Term Expires
2013
2013
2015
2013
2013
2013
2015
2013
2014
Term Expires
2015
2013
2015
Nominating Committee
Tracey Cox, Chairman
Kevin Cummings
Jared Fears
Management Team
Chris McCreary, President
Jay Neathery, Executive Vice President
David Krough, 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
MAR12-103e
Alice Bray has served as a supervisory
committee member since 2008. Her work
ensured the fiscal responsibility of the
credit union, and is much appreciated.
Jack Fillinger has served on the credit
committee, supervisory committee and
board of directors since becoming a UCCU
volunteer in 1989. His
work guided the expansion of UCCU membership and the introduction of numerous
new services over the years.
Thank you, Alice and Jack, for all you’ve
done. You’ll always be a part of the UCCU
family.
Office Locations
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
Phone ..................................816-796-1515
Fax ......................................816-796-7591
Toll Free ..............................877-225-5128
Railway Mail Branch
Union Station – Theater Level
30 W. Pershing Rd., Ste. 650
Kansas City, MO 64108
Phone ..................................816-796-1515
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 12 shared branch
locations in the Greater Kansas City area and 4,500 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