United Financial Credit UnionWhere We Put U First!

Informerthe

October 2019

I n T h I s I s s u e• Find Your next Car. Faster.• Go Ahead – Leave Your Debit Card Behind!• have a Merry Little Christmas• here We Grow Again• Board of Director Openings• national Cyber security Awareness Month• Love My Credit union Rewards – sprint• Results from Walk to end Alzheimer’s

Fundraiser

• Christmas Club Account Disbursements

• International Credit union Day• Member Appreciation Day• help Yourself to a happier holiday• upcoming seminars• Fundraiser - Toni & Trish house• Virtual Branch security update• holiday Closings

Find Your next Car. Faster.With the United Financial Auto Buying CenterCar shopping is quicker, easier and more relaxing with United Financial Credit Union. Research and compare vehicles, receive free Carfax reports, get an insurance quote, and view local dealer inventory all from the comfort of your own home with the new auto shopping feature on our website! Simply visit our website today to start shopping for your next vehicle whenever and however you like.

GO AheAD – Leave Your Debit Card Behind!Mobile Wallets are now available for your United Financial Debit Card, making it quicker, easier and more convenient than ever to shop wherever Apple Pay, Google Pay and Samsung Pay are accepted.

Simply enter your Debit Card number into your phone’s Wallet app. Then, shop in-store or online at thousands of merchant locations across the nation – with more joining every day. Visit www.unitedfinancialcu.org to learn more today.

heRe We GROW AGAIn

New United Financial Credit Union Location Coming to Bay County! United Financial Credit Union will be adding a new location in Bay County in Fall 2020! This branch will be on Westside Saginaw Road {M-84} at the corner of 3 Mile Road and Westside Saginaw Road in Bay City. The Credit Union expects to break ground in early 2020, with a completion date in Fall 2020. United Financial is currently working with TSSF Architects, Inc. for the design of this new location.

Auburn Branch’s New BuildingThe new construction project for our Auburn branch is moving along. We hope to be open this December!

There Are

2 POsITIOns OPen On the Board of Directors

We are currently accepting nominations for two (2) open board seats. Nominations can be submitted until November 11, 2019.

If interested, please review and submit the nomination form online www.unitedfinancialcu.org/board/.

Please return signed form, along with a brief description of your background to:

Nomination Committee United Financial Credit UnionPO Box 6430Saginaw, MI 48608

have A Merry Little ChristmasChristmas comes only once a year – and so does the Holiday Loan at United Financial Credit Union! With this special low-rate loan, you can fill your season (and your pocket!) with extra jolly and holiday cheer.

holiday Loan$1,000 or $1,500 | 12-month terms

NO CReDIT CHeCk | NO DeBT RATIO

This special loan is only available for a limited time, so hurry in to the Credit Union to apply today.

*$1,000 less than $95 a month $1,500 less than $141 a month $25 Application fee applies. Payment example is based on Annual Percentage Rate of 18%. Must have a minimum of $1,000 monthly direct deposit into a United Financial account, 6 months verifiable income and must be current on all United Financial loans. Any current no credit check loan balance must be paid in full.

nATIOnAL CYBeR seCuRITY AWAReness MOnThTips to Keep You On the Top of Your Cyber Security Game

In light of october being national Cyber security Awareness month, we’ve put together some helpful tips to keep you informed about security.

�� Change�your�password.�In order to avoid being one of the 9.9 million people who will fall victim to identity theft this year, don’t wait until you’re prompted to change your online passwords. keep a good rotation of new passwords going in order to keep your passwords’ security from becoming stale.

�� Keep�it�unique. Many sites require what may seem like a crazy amount of annoying requirements when it comes to creating passwords – such as including at least one number, one special character, and a combination of uppercase and lowercase letters. But remember, it’s all in an attempt to keep your information safe. The more complicated your password, the safer your information.

A note for Christmas Club Accountholders…Your accumulated savings and dividends will be transferred to your regular share account on October 17, 2019, just in time for the holiday shopping season!

Not in the club yet? It’s easy to start saving for the next holiday season! Simply contact a member service representative to open a Christmas Club Account and start saving a little each payday for an even happier holiday.

There’s never been a better time to switch to Sprint.

CAsh ReWARDs & MORe � Get up to $200 cash when you switch two

lines, plus lines 3,4 and 5 are FRee

� Plus, $100 Annual Loyalty Cash Rewards and 25% off accessories in Sprint retail stores

nOThInG TO LOse & sAVInGs ThAT ADD uPCredit union members can try Sprint’s improved LTE service for 30 days worry-free. If you’re not 100% satisfied, Sprint will refund phone costs, service costs and fees.

IT’s eAsY, heRe’s hOW IT WORks1. Switch to Sprint. 2. Register your new line(s) at

LoveMyCreditUnion.org/SprintRewards. 3. In six to eight weeks, your cash rewards

will be deposited directly into your account.

Visit LovemyCreditUnion.org/melvin to learn more.CaSh REwaRd: Via deposit. $100/line, max 2 lines. Req. qualifying plan and registration within 30 days of activation. Loyalty Reward: Via deposit per account. Basic: After 9/30/20 pay $60 a month for line 1, $40 a month for line 2 and $20 a month per line for lines 3 thru 5, with AutoPay. Offer/coverage not available everywhere. Requires new lines of service. Subject to credit & $30 activation fee. excludes taxes, fees, and roaming. Speed maximums, use rules and restrictions apply. Unlimited Basic compared to Verizon Start Unlimited for 5 lines, features differ.

ResuLTs FROM Walk to end Alzheimer’s FundraiserUnited Financial Credit Union had the pleasure of participating in the 2019�Walk�to�End�Alzheimer’s�on�September�7. Thanks to our members and staff, we were able to raise $2,555. Thank to you everyone who helped make this event so successful.

�� Log�out�of�your�sessions.�Whenever you’re done handling your online business, always be sure to log out. Sure a lot of sites will automatically log you out after 5-10 minutes of inactivity, but remember, that’s more than enough time for a hacker to steal your precious information.

�� Clear�your�browser�cookies�and�cache�(and�no,�we’re�not�talking�about�snack�time�here).�every time you browse the internet, your computer stores files and information (cookies) in its cache. This stored information could include your username, address, social security number, credit card number, or anything that you’ve entered while being online. Make it a habit to clear your cookies and cache weekly or even daily.

�� Keep�your�anti-virus�software�up�to�date.�Your computer’s antivirus software is the most important software you have on your computer. Letting it expire, or worse, not having any installed, will leave your computer open to all sorts of vulnerabilities.

© CUAdvantage.com • 877.799.0784

Federally insured by NCUA.

Impacty o u r c o m m u n i t y c r e d i t u n i o n s

Saginaw

LOAn RATesAs of October 1, 2019

����� APR*�Loan�Type� As�Low�As

Vehicle�Loans� 3.00%Classic�Car�Loan� 7.00%Recreational�Vehicle� 3.00%• Includes travel trailers, motor homes, boats, motorcycles and snowmobilesPersonal/Signature� 7.75%Quick�Cash 14.90%First�Mortgages�� Call�for• Fixed & Balloon available Rates

Rural�Development,� Call�for�FHA�&�VA� �Current�Rate

Second�Mortgages� ��5.25%Home�Equity�Line-of-Credit� 4.75%**

Vacant�Land�� 5.25%

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. Maximum APR of 14.00%.

Mission stateMentThrough innovative, friendly, and

quality service, United Financial Credit Union will provide long-term financial

stability to our credit union, our members and their families!

sCOReBOARD3rd Quarter as of August 31, 2019

Assets .....................$230,987,249.23

Loans ......................$148,171,690.59

Members ..................................26,365

Checking Accounts ..................10,954

ICU Day 2019 is a celebration of the impact credit unions and other financial cooperatives have made—and continue to make for their members. It is also a chance to be thankful for the lives and communities that have been improved by our movement. We invite you to stop by the Credit Union throughout the week of October 15-18 as we celebrate this special event and show members our appreciation with free snacks and free coin counting in our branches all week. We look forward to celebrating with you! *Coins must be deposited into United Financial account.

Help Yourself to a Happier HolidayFeeling a little strapped between holiday shopping, gifting and getting away? Free

up your holiday budget with the help of our Holiday Skip-A-Payment program! Simply choose to skip your December or January loan payment(s) and fill your pockets with extra jingle for the season. Some restrictions apply. Please contact

the Credit Union for details and to take advantage of Skip-A-Payment today.

Member Appreciation DayFriday, October 18th 11:00am-3:00pmStop by the Credit Union for a free hotdog, chips and pop!

scholarship Correction The schools were listed incorrectly for our scholarship winners. Here are the winners and their schools.

Larissa Lapak – Powers Catholic keaton knochel – Freeland High School Joseph Jurmanovich III – Valley Lutheran kassidy Zuchnik – Bay City Western

Save the Date! UPCOMING�SEMINARS�soCIAL seCUrIty semInAr: FREE

October 16th 6:00pm – 7:00pm

Regardless of when you plan to retire, Social Security will likely be an important part of the road ahead. But do you know the rules of the road when it comes to Social Security? Determining when to begin benefits could be one of the biggest financial decisions you face, and there are key issues to consider.

shoppIng smArter semInAr: FREE

October 24th 6:00pm – 7:00pm

Shopping Smarter is a class taught by Tracy Young that will show you how you can put money you’re already spending back into your pocket! Did you know you can double and triple dip on savings and rebates? You can!

FInAnCIAL WhoLeness CoUrse: $25 for members

November 5th & 7th 6:00pm – 9:00pm

We invite you to join us for our Financial Wholeness Course. During the course, you will learn time-tested strategies that help you to make informed financial decisions. Whether your objective is to build a nest egg, protect your assets, or preserve your lifestyle throughout retirement, this course helps you plan your future with confidence.

I n T e R n A T I O n A L C R e D I T u n I O n D A Y

Thursday, October 17, 2019

PO Box 6430Saginaw, MI 48608

PRSRT STDU.S. POSTAGE

PAIDCUADvANTAGE

The Toni and Trish house FundraiserJoin United Financial Credit Union in supporting The Toni and Trish House, a home committed to the care and support of their guests. The Toni and Trish House focuses on providing care in an environment that feels like home, all while providing emotional support for families and ensuring their guests are supported. They do not charge their guest for housing, food, or care during their stay. The credit union will be collecting items and monetary donations in November and December to support their need! For a full list of items, stop by the credit union or visit our website.

hOLIDAY sCheDuLe COlUmBUS DAYMonday, October 14 - CLoseD

ThAnKSGiv inG DAYThursday, November 28 - CLoseD

DAY AF Ter ThAnKSGiv inGFriday, November 29 - open

State St. – Full Service Bridgeport, Freeland, Chesaning, Auburn & Weiss Office – Drive Thru Only

ChriSTmAS eve Tuesday, December 24 - openLobby 9:00am – 12:30pm Drive Thru 7:00am – 3:00pm

ChriSTmAS DAYWednesday, December 25 - CLoseD

neW YeAr’S eve Tuesday, December 31 - openLobby 9:00am – 12:30pm Drive Thru 7:00am – 3:00pm

neW YeAr’S DAYWednesday, January 1, 2020 - CLoseD

57th Annual MeetingWe hope you will join us for an eventful evening as we hold our Annual Meeting and show members our appreciation. We will have beer, wine and appetizers.

Date: February 24, 2020 time: 5:30 – 8:30 p.m.

6:00 p.m. meeting

PLaCe: United Financial Credit Union Administration Office 4685 State St., Saginaw, MI 48603

please rsVp online or by calling 989-777-3620.

enhanced security update for Virtual Branch Online BankingLook for an update coming to Virtual Branch later this year! Included in this new update will be enhanced account alerts, easier navigation and additional security improvements. As part of the update, the online banking system will require all users to re-setup their security questions.