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8 Switch & Save
January 2008
www.unitedchurchescu.org
UCCU is offering you a chance to lower your loan interest rate by
8
United Connections 8
8
1% APR*.
Whether you have an auto loan, boat loan or a vacation loan, by
switching your loans from another institution, UCCU will give you a
lower interest rate than you are currently receiving somewhere else. By
switching your loans to UCCU you can lower your monthly payments
and save. Stop by the credit union or call today and SWITCH &
SAVE!!!
*Annual Percentage Rate. Some Restrictions may apply. See a loan officer for more information.
E-Services = Convenience
Looking to save time and hassle? UCCU has the answer to help you
maximize your time with our electronic services. E-services are
available 24 hours a day, seven days a week, so you can manage your
credit union finances when you have the time.
Our website, www.unitedchurchescu.org is a safe and secure way to monitor
your credit union accounts. With our home banking services you can
take care of virtually all the transactions you would have to come to the
credit union for, such as: transferring funds, verifying cleared checks or
even making loan payments. You can also apply for a loan.
In addition, we also offer you the option of receiving your credit union
statement via e-mail instead of postal mail. This option is not only safer
than regular mail, but you will also receive your statement faster, and
are able to save it safely on your home computer, eliminating the
possibility of it getting lost at home.
Our E-services can help improve the efficiency and timeliness of your
credit union affairs. Find out more about our online services by logging
onto our website, www.unitedchurchescu.org.
Mark Your Calendars: Annual Meeting
United Churches Credit Union and its’ Board of Directors are dedicated
to providing you with the best products and services. Our board,
composed of credit union members, ensures that your credit union will
never lose sight of you and what you need to be financially successful.
We would like to invite you to attend the 50th Annual Meeting to meet
and mingle with the Board of Directors, credit union staff and other
credit union members. Join us on Saturday, March 15th at the Taylor
office at 2:00 p.m for beverages and snacks. This year we have two
Director’s positions up for re-election. If you would be interested in
volunteering your time to serve on the Board of Directors, please contact
18590 West Outer Dr.
Sue Whalen at 313-382-1340.
Dearborn, MI 48128
313-565-8400
Mark your calendars and join us. We are looking forward to seeing you
313-565-6561 fax
there!
20252 Ecorse Road
Holiday Closings Taylor, MI 48180
United Churches Credit Union will observe the following holidays: 313-382-1340
313-382-0823 fax
MACU Association Group Monday, January 21st - CLOSED Monday, February 18th - CLOSED
Make SMART New Year’s Faster Refund
Resolutions It is that time of year again, tax time! If you
Everyone, regardless of age, can take steps to shape up their finances. are getting a tax refund this year, choose a
As you decide on your New Year’s resolutions, think SMART— safe, convenient and fast way to receive it,
financial goals that are specific, measurable, adjustable, realistic, and Direct Deposit. With direct
time-oriented. Here are some examples of financial goals for different deposit you will receive
generations: your refund faster than by
mail, and you won’t have
Youth to worry about watching
Collect your change. Each time you buy something, save the change your mailbox.
you get back. Deposit the change in a container at the end of every
day. Over time it could add up to a significant amount of money. When filing your taxes,
Save your allowance. Whether you want to buy something you’ve simply fill in the credit
been eyeing for months or you want to start saving for college, the union routing number,
only way you are going to do it is by putting your allowance away. 272477681 and your account number, and your
Deposit at least part of your allowance in a share savings account at refund will soon be in your account.
the credit union.
Gen Y Online Surveys
Open a Roth IRA (individual retirement account) and start saving. At United Churches Credit Union, we want to
Make savings a habit and invest at least 10% of every paycheck for know what kind of products and services you
retirement. The longer you have to save with a Roth IRA, the more would like us to offer and how we can serve
you save on taxes. Although contributions aren’t tax-deductible, you better.
your money grows tax-free and comes out tax-free as long as you
meet certain requirements. To determine this, we are asking for your help.
Put your credit card away. Use credit cards only when you know you We are now offering surveys online at
have the funds set aside to pay the bill in full when the bill comes. www.unitedchurchescu.org. Our surveys are right on
Don’t leave a balance on your credit card or you’ll be charged the homepage, and only take a minute to fill
interest. out.
Baby Boomers
Put your debts in priority order. Make a list of all your liabilities and Your input will help us serve you better! We’ll
organize them by the annual interest rate. Pay off those with the have a new survey each month, so be sure to
highest rates first, while still making at least minimum payments on check back often!
all the others. Set a specific, realistic date for when you plan to
achieve your goal of paying off all debts. Thank You For Giving
Determine your net worth. Calculate your assets minus liabilities Back!
each year—preferably on Dec. 31—so you quickly can see whether People helping people is the credit union
you’re gaining ground or falling behind. Your net worth should be philosophy. With the help of your donations,
increasing each year. If it’s not, make a plan to improve it, such as we were able to live up to this philosophy by
pay down a specific debt or put more money into a retirement helping area children and families have a
account. wonderful Thanksgiving. We were happy to be
Seniors a donation center for St. Cyril’s food drive.
Evaluate your estate plan. Establish or review your will, advance Because of your generosity, many people were
directives, and powers of attorney, and make sure they reflect your able to have a wonderful holiday. Thank you
preferences and current situation. Make sure all of your intended for helping your community.
beneficiaries are on file for all your financial accounts.
Check all insurance policies. For
example, know what is covered in
United Churches
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your homeowners policy and verify
your liability coverage. Call your
insurance agent if you have any
Credit Union
questions.
18590 West Outer Dr. 20252 Ecorse Road
Dearborn, MI 48128 Taylor, MI 48180
313-565-8400 313-382-1340
NCUA 313-565-6561 fax 313-382-0823 fax
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