Picture the Possibilities 2.99 Possibilities · 2019. 12. 30. · Property must be owner occupied and primary residence located in Pennsylvania or ohio. All loan approvals are subject

®

1293 Freedom Rd. Cranberry twp., PA 16066

fax: (724) 779-4656

888-219-3159 • www.usxfcu.org

15-00753 2/16 marketing Partners

Use Your Home’s Equity To Your AdvantageThe equity in your home can be used to borrow at a low rate, with custom terms, allowing you to afford those larger expenses. Use the money for whatever you may need.

*APR = Annual Percentage Rate. 2.00% introductory APR offer available for new lines of credit only for the first twelve (12) months from closing date. Rates thereafter are adjusted on a quarterly basis and are indexed to Prime Rate as published in The Wall Street Journal (WSJ). Adjusted rate effective december 1, 2015, based on the Wall Street Journal Prime Rate (3.25%) as of September 20, 2015, in accordance with loan term. maximum rate adjustment is 2.00% in a calendar year. Rate cannot go below 4.00%. minimum Real estate secured loan amount $10,000. Property must be owner occupied and primary residence located in Pennsylvania or ohio. All loan approvals are subject to normal loan underwriting guidelines. this is a limited time offer. Programs, rates and conditions are subject to change at any time. See credit union for all details.

• Home improvements and upgrades

• Vacations

• Education expenses

• Debt consolidation

Borrow To Fit Your NeedsWhether you get a Fixed Home Equity Loan or a Home Equity Line of Credit, you’ll have the funds you need at a payment that makes sense.

Apply Today!To apply, simply print your application from our website at www.usxfcu.org, visit one of our convenient local offices and pick up an application or call 888-219-3159 and one of our experienced representatives will be waiting to help you.

FIRST CLASS MAIL

U.S. PoSTAgePAID

LehIgh VALLey, PAPermit #550

*Restrictions may apply. Limited time offer cannot be combined with any other offer and subject to change at any time. Limit 1 per new checking account opened after 2/1/2014. This offer is only valid when you open a new U$X FCU checking account with net check direct deposit or other payroll or recurring deposit. A bonus of $25.00 will be paid upon account opening and deposited into a free savings account. For the remaining $75.00 bonus to be paid, the direct deposit and recurring deposit history must be established within 60 days of the new account being opened. Cash bonus will be reported to the IRS as interest income, as required by IRS.

®

1293 Freedom Rd. Cranberry twp., PA 16066

fax: (724) 779-4656

888-219-3159 • www.usxfcu.org

15-00753 2/16 marketing Partners

Use Your Home’s Equity To Your AdvantageThe equity in your home can be used to borrow at a low rate, with custom terms, allowing you to afford those larger expenses. Use the money for whatever you may need.

*APR = Annual Percentage Rate. 2.00% introductory APR offer available for new lines of credit only for the first twelve (12) months from closing date. Rates thereafter are adjusted on a quarterly basis and are indexed to Prime Rate as published in The Wall Street Journal (WSJ). Adjusted rate effective december 1, 2015, based on the Wall Street Journal Prime Rate (3.25%) as of September 20, 2015, in accordance with loan term. maximum rate adjustment is 2.00% in a calendar year. Rate cannot go below 4.00%. minimum Real estate secured loan amount $10,000. Property must be owner occupied and primary residence located in Pennsylvania or ohio. All loan approvals are subject to normal loan underwriting guidelines. this is a limited time offer. Programs, rates and conditions are subject to change at any time. See credit union for all details.

• Home improvements and upgrades

• Vacations

• Education expenses

• Debt consolidation

Borrow To Fit Your NeedsWhether you get a Fixed Home Equity Loan or a Home Equity Line of Credit, you’ll have the funds you need at a payment that makes sense.

Apply Today!To apply, simply print your application from our website at www.usxfcu.org, visit one of our convenient local offices and pick up an application or call 888-219-3159 and one of our experienced representatives will be waiting to help you.

FIRST CLASS MAIL

U.S. PoSTAgePAID

LehIgh VALLey, PAPermit #550

Winter 2019 Volume 29 Issue 4

U$X Federal Credit Union®

Where Membership Is A Rewarding Experience

See what you can do in 2020 with the equity in your home!APPLY TODAY!

*APR = Annual Percentage Rate. 2.99% Introductory APR offer available for new lines of credit only for the first twelve (12) months from closing date. These rates are adjusted on aquarterly basis and are indexed to Prime Rate as published in The Wall Street Journal (WSJ). Adjusted rate effective October 1, 2019, based on The Wall Street Journal Prime Rate (5.00%)as of September 20, 2019, in accordance with loan term. Maximum rate adjustment is 2% in a calendar year. Rate cannot go below 4.00%. Minimum Real Estate secured loan amount$10,000. Property must be owner occupied and primary residence, geographical restrictions may apply. All loan approvals are subject to normal loan underwriting guidelines. Offerexpires March 31, 2020. Programs, rates and conditions are subject to change at any time.

HOME EQUITY LINE OF CREDIT

variable rate of 4.00% APR* after that

2.99%APR*

12-month initial rate as low as

Picture the Possibilities

OFFER EXPIRES

MARCH 31, 2020

*APR = Annual Percentage Rate. 2.99% Introductory APR offer available for new lines of credit only for the first twelve (12) months from closing date. These rates are adjusted on a quarterly basis and are indexed to Prime Rate as published in The Wall Street Journal (WSJ). Adjusted rate effective October 1, 2019, based on The Wall Street Journal Prime Rate (5.00%) as of September 20, 2019, in accordance with loan term. Maximum rate adjustment is 2% in a calendar year. Rate cannot go below 4.00%. Minimum Real Estate secured loan amount $10,000. Property must be owner occupied and primary residence, geographical restrictions may apply. All loan approvals are subject to normal loan underwriting guidelines. Offer expires March 31, 2020. Programs, rates and conditions are subject to change at any time.






2.99%APR*



OFFER EXPIRES

MARCH 31, 2020






2.99%APR*



OFFER EXPIRES

MARCH 31, 2020






2.99%APR*



OFFER EXPIRES

MARCH 31, 2020






2.99%APR*



OFFER EXPIRES

MARCH 31, 2020

*Restrictions may apply. Limited time offer cannot be combined with any other offer and subject to change at any time. Limit 1 per new checking account opened after 2/1/2014. This offer is only valid when you open a new U$X FCU checking account with net check direct deposit or other payroll or recurring deposit. A bonus of $25.00 will be paid upon account opening and deposited into a free savings account. For the remaining $75.00 bonus to be paid, the direct deposit and recurring deposit history must be established within 60 days of the new account being opened. Cash bonus will be reported to the IRS as interest income, as required by IRS.Where Membership Is A Rewarding Experience





2.99%APR*



OFFER EXPIRES

MARCH 31, 2020






2.99%APR*



OFFER EXPIRES

MARCH 31, 2020

The Board of Directors and Staff would like to welcome the following new companies, associations

and their employees or members to U$X FCU:

Remember if your co-workers are not yet members of U$X FCU, you can get paid for introducing

them to the credit union. Ask our staff how.

U$X FCU "Where Membership is a Rewarding Experience"

PRESIDENT'S MESSAGE - Greetings I am drafting this epistle over the Thanksgiving weekend. It has put me in a reflective mood; pondering where U$X FCU has come from and contemplating where our organization is headed. Our financial cooperative started in 1938 when 15 employees of the headquarters group banded together to create the Carnegie-Illinois Steel General Office Employees Federal Credit Union. We were one of 42 credit unions providing financial stability for US Steel in general and specifically for their co-workers in the General Office located in Pittsburgh PA.

I am thankful for the volunteers who started this credit union. I am thankful for the members who built this credit union over the last eighty years. I am thankful for our current Board of Directors who oversee our credit union and for our dedicated employees that faithfully serve our members. I have been with U$X FCU for twenty years and am blessed by the things I have learned, experienced and been a part of.

The road to financial success follows a tried and true path. The path starts with a foundation of education and skills that generate a steady stream of income. Typically, the next step in the path is learning to spend wisely and make prudent financial decisions. Perhaps along the way you might start a family as well. The next layer involves the establishment of an emergency fund and acquiring insurance for unseen contingencies. As life progresses we accumulate things (like cars and houses) and we do things (vacations, concerts, living life). We continue in life and hopefully, we accumulate wealth and plan for retirement at some point in the future.

Each of these steps along the way provide the opportunity to make wise choices. Many decisions become easier when we have the resources to pay for things and the ability to transact business. As a credit union member,

U$X FCU is a financial cooperative in which you own a share. I encourage you to take advantage of the financial institution that you own.

I have found that the most meaningful moments in my life are the ones where I am able to have conversations with people, share ideas, and gain new perspectives. Unfortunately, because of our success in automating transactions and providing remote access services to our members, traffic in our lobbies has decreased and the opportunities for conversations have diminished. The trend toward apps and electronic services seems destined to continue its growth. In order to gain new insights from our membership and increase opportunities for conversations call or visit your local office.

If you face financial challenges, have questions or would like guidance, we would love to connect you with credit unions resources to assist you.

If U$X FCU has helped you reach a milestone or achieve an objective we would love to hear your story and celebrate your victories.

Thank you for the opportunity to serve you. Much like the marines, we are looking for a few good members to help us move forward to serve future generations. Introduce us to your family and coworkers so that we can serve them and help them with the next step in their financial journey.

Best regards

David R Ackerman, President/CEO

Beaver Area Memorial LibraryBowers Land Services

Cardno ChemRiskFranklin Inn Mexican RestaurantFreeport Transport Industries, Inc.

Hookstown American Legion Post #952JRG Advisors

M & J Tax ServiceMatt Wallace Trucking, LLC

Michael Blakeney, LLCNorth Catholic High School

Raggi Home Improvement, Inc.Rapid Protection Home Security

Schwartz & Associates d/b/a Express Employment Professionals

Warren C. Sauers Co. Inc.

MARK YOUR CALENDAR!2020 will mark the 82nd year that U$X FCU has provided members with advantages in every aspect of their financial life and the confidence of financial security. We invite you to attend U$X FCU’s upcoming 81st Annual Meeting. This yearly event is your chance to hear about the credit union’s successes in the past year and the challenges facing it in the future. Many important decisions are made regarding your credit union at the Annual Meeting each year. And you can have a say in those decisions by attending and voicing your opinion. This opportunity only comes along once a year…don’t miss out on it!

Wednesday April 15, 2020 - 6:30 PM - Cranberry Highlands Golf Course

NOTICE OF ELECTIONNotice is hereby given that two Directors will be elected to the U$X Federal Credit Union Board of Directors at the 2020 Annual Meeting. The following two people have been nominated for election by the Nominating Committee:Albert J. Flynn, Jr. – Mr. Flynn has been a credit union volunteer since 1974.His involvement began as a member of the Supervisory (Audit) Committee. He was elected to the Board of Directors in 1990. He has served as Vice Chairman of the Board of Directors for the last 10 years. Mr. Flynn retired from the Real Estate / UEC division of U S Steel Corp. in 2006 after 41 years of service.Richard C. Nichols – Mr. Nichols has been a credit union volunteer since 1992 and a Board of Directors member since 2001. Mr. Nichols retired from Aristech Corporation and its predecessor U.S. Steel Chemicals Corporation where he worked in various capacities within the Accounting Department for 36 years.Additional nominations for election to the Board were solicited from the membership in the Fall 2019 issue of the newsletter U$Xtra. No additional nominations have been received. Accordingly, election of the nominees will be affirmed at the meeting.No nominations will be accepted from the floor during the Annual Meeting.Mashawn A. Lorenz, SecretaryDecember 20, 2019

U$X FCU"Where Membership is a Rewarding Experience"

U$Xtra! Quiz Answer the following questions regarding U$X FCU® and win $251. What is the introductory interest rate for a U$X FCU Home Equity Line of Credit? a. 3.99 % APR b. 4.99% APR c. 2.99% APR

2. The U$X FCU Financial Group offers personalized retirement, insurance and investment strategies designed to help you and your family realize a lifetime of f inancial security. a. True b. False

3. On what date will the U$X FCU Annual Meeting take place? a. April 19, 2020 b. April 15, 2020 c. April 22, 2020

4. With U$X FCU’s FREE CardValet® service, members can turn on/off their U$X FCU debit and credit cards when not in use? a. True b. False

5. U$X FCU’s bonus offer for a new checking account with direct deposit is $50.00? a. True b. False Name:_________________________________________________________________

Daytime telephone number:________________________________________________Answer all the questions correctly and send your entry to: U$X FCU, U$Xtra Quiz, 1293 Freedom Road, PO Box 1728, Cranberry Twp, PA 16066. All correct U$Xtra quiz entries must be received by January 31, 2020 and will be entered into a random drawing for a chance to win one of (6) six $25 prizes. If your entry is selected, you will be notified and $25 will be deposited into your Share Savings Account. Please do not include any personal banking materials (deposits, IRA withdrawals, loan payment, etc.) with your quiz entry. Employees or Volunteers of U$X FCU are not eligible.

Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/ FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution.CBSI-1625752.1-1016-1119-© 2016 CUNA Mutual Group

The financial advisor located at your credit union offers personalized retirement, insurance and investment strategies designed to help you and your family realize a lifetime of financial security.

Personal ServiceTrusted Advise

Call today for a no-cost, no-obligation appointment.

Nathan RodgersFinancial Advisor

Office 724-779-4895Toll Free: 888-219-3159

U$X Financial GroupLocated at:U$X FCU

479 North Pike RoadSarver, PA 16055

The financial advisor located at your credit union offers personalized retirement, insurance and investment strategies designed to help you and your family realize a lifetime of financial security.

Call today for a no-cost, no-obligation appointment.

Personal Service Trusted Advice

Securities sold, advisory services offered through CUNA

Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a

registered broker/dealer and investment advisor. CBSI is

under contract with the financial institution to make

securities available to members. Not NCUA/NCUSIF/

FDIC insured, May Lose Value, No Financial

Institution Guarantee. Not a deposit of any

financial institution.

CBSI-1625752.1-1016-1119

© 2016 CUNA Mutual Group

Nathan RodgersFinancial Advisor

Office 724.779.4895Toll Free 888.219.3159

U$X Financial Group

Located at:U$X FCU

479 North Pike Rd. Sarver, PA 16055

STUDENT SCHOLARSHIPS AVAILABLEThe following credit union chapters will be offering various student member scholarships for 2020. The Beaver Valley Chapter of Credit Unions will be offering three $500, one $1,000 and one $1,500 scholarships. The A-K Valley Chapter of Credit Unions will be offering up to four $500 scholarships. If you are a U$X Federal Credit Union® student member, you may qualify.Scholarship requirements: • Applicant must complete and submit a typed or printed Beaver Valley Chapter, or A-K Valley Chapter scholarship application and the requested information on the application. • All Beaver Valley Chapter applications and required information must be sent to the address indicated on the application and postmarked no later than March 1, 2020. • All A-K Valley Chapter applications and required information must be sent to the address indicated on the application and received by February 5, 2020. NOTE: Other requirements for each individual scholarship offer are listed and explained on the respective application.To receive the application information for the student scholarships please contact Tim Wojtaszek via email [email protected].

CardValet® U$X Federal Credit Union® is working hard to help you protect yourself ! By offering CardValet®, a card management and fraud mitigation tool for debit and credit cardholders. Cardholders simply download the FREE app from the Apple® App Store or Google® Play Store, and then they can actively manage their debit cards.

“With this powerful debit and credit card management tool, our cardholders can set parameters for when, where and how their debit and credit cards are used,” David R. Ackerman, President and CEO said. “It’s easy to turn ‘off ’ their debit and credit cards from their smartphone, and then turn it back ‘on’ when they want to use it.”

The on/off feature is only one of the safeguards available with CardValet. Using the GPS system in the smart phone, geographic use restrictions can be established. Other controls can restrict usage by merchant and spending limit. Real time alerts create another layer of fraud protection with notice that a transaction was attempted, declined, or both.

CardValet puts the control of credit and debit cards right into the cardholders’ hands. Link more than one account to keep track of all U$X Federal Credit Union debit and credit cards in one easy-to-use application.

For more information, visit our website, our local office or contact U$X Federal Credit Union at 888-219-3159.

WAKE UP! YOUR DORMANT ACCOUNTS!U$X Federal Credit Union is required to report Unclaimed Property (escheat) to the Pennsylvania and Ohio Department of Revenue for accounts that have been “dormant” in accordance with state law. An account is considered dormant if there have been no member initiated withdrawals, deposits or transfers made during this period. The best way to be safe is to WAKE UP your account by making a deposit and watching your U$X FCU accounts grow. If you are unsure of the status of your account, please contact your local office by calling 1-888-219-3159.

“Once A Member, Always A Member”

CALL ME! I want to take advantage of U$X FCU’s great loan rates! (Phone)___________________________ Personal Loan Auto Loan VISA® Credit CardAPPLICANT INFORMATION JOINT APPLICANT’S INFORMATIONFull Name Member No. Full Name Member No.

Address/City/State/Zip Date of Birth Address/City/State/Zip Date of Birth

Social Security Number Home Phone Social Security Number Home Phone

Employer Work Phone Employer Work Phone

Monthly Gross Income *Other Income Years Employed Monthly Gross Income *Other Income Years Employed

$ $ $ $

Monthly Mortgage or Rent Payment Amount $ Monthly Mortgage or Rent Payment Amount $

(circle one) (circle one)

X XAPPLICANT’S SIGNATURE DATE OTHER SIGNATURE DATE

Verification of Income and employment is required ANY FAX OF MY SIGNATURE MAY BE HELD EQUALLY ENFORCEABLE AS MY GENUINE SIGNATURE.

If there are any important changes, you will notify us in writing immediately. You also agree to notify us of any change in your name, address or employment within a reasonable time thereafter.You also promise that everything you have stated in this application is correct to the best of your knowledge and that the above information is a complete listing of all your debts and obligations. You authorize the credit union to obtain credit reports in connection with this application for credit and for any update, renewal or extension

of the credit received. If you request, the credit union will tell you the name and address of any credit bureau from which it received a credit report on you. You understand that it is a federal crime to wilfully and deliberately provide incomplete or incorrect information on loan applications made to Federal Credit Unions or State Chartered Credit Unions insured by NCUA.

U$X Federal Credit Union® 60-Second Loan Application

MAIL OR DROP OFF COMPLETED APPLICATION TO YOUR LOCAL BRANCH OFFICE OR FAX TO 724-779-4656.

HOLIDAY CLOSINGSAll U$X Federal Credit Union Offices will be closed on the following dates in

observance of the related holiday:

Please contact your local branch for other changes to normal operating hours.

Cranberry Main Administration and Legal Correspondence 1293 Freedom Rd PO Box 1728 Cranberry Twp PA 16066-0728 Fax: (724) 779-4656

Findlay1038 Interstate CtFindlay OH 45840 Greensburg55 S Washington Ave Greensburg PA 15601

JeffersonMOB Ste 109B575 Coal Valley RdJefferson Hills PA 15025 Marathon539 S Main St, RM D-01-024Findlay OH 45840

Monaca400 Frankfort RdPO Box 222Monaca PA 15061

New Stanton100 Bair BlvdPO Box 657New Stanton PA 15672

PittsburghConcourse Level 600 Grant StPittsburgh PA 15219

Sarver479 N Pike Rd Sarver PA 16055

1-888-219-3159 www.usxfcu.org

Birthday of Martin Luther King, Jr.Monday, January 20, 2020

Washington’s BirthdayMonday, February 17, 2020

V I S A® C R E D I T C A R D L i f e S i m p L i f i e d

earn Rewards

points With every purchase!

With UChoose Rewards®

A VISA® Platinum credit card from U$X FCU helps simplify your financial life by giving you a competitive rate, no hidden costs with virtually no fees, borrowing flexibility and the worldwide purchasing power of one of the premier credit cards on the market today. It’s the only card you need!

Visit www.usxfcu.org, call us at 888-219-3159 or visit a branch office.

Now More SecureIn addition, the U$X Federal CreditUnion VISA credit card contains EMV chip technology to help protect our members from fraud.

Apply Today!

Approval and actual VISA credit card granted will be based on creditworthiness and income verifications. Some restrictions may apply. Offer is good for members in good standing. For full details contact the Credit Union.

Documents

Picture the Possibilities 2.99 Possibilities · 2019. 12. 30. · Property must be owner occupied and primary residence located in Pennsylvania or ohio. All loan approvals are subject