InUnison spring 2013
Unison Credit Union's quarterly newsletter
InUnison Published quarterly for the members of Unison Credit Union. Spring 2013 | No. 154 Freshen Your Finances! Spring cleaning isn’t just for your closet anymore. Like your closets and garage, your finances could also use a little de-cluttering this spring (or anytime of the year). Carefully discard old paperwork and develop a system for getting and/or staying organized and the payoff will be greater than just the satisfaction of tidying up. Let’s begin by gathering up all your paper documents including current bills, filed items and stray paperwork on your desk or stuffed in drawers that you have been “meaning to get to”. Financial expert, Suze Orman, suggests first sorting everything into six piles: • Ongoing Bills (monthly bills, account statements, and pay stubs) • Investment Statements (pension updates, 401(k) statements, brokerage and fund statements and so forth) • Tax Returns and Supporting Documents • Policy Documents and Deeds (insurance policies, home deed, car title, etc.) • Warranties and User Manuals • Forever Documents (things like marriage license, will, birth certificate) Create file folders for each category. Feel free to assign subfolders for each type of document within the main category. Take ongoing bills, for example. Store all gas bills in one folder, electricity bills in another, cable bills in a third and so on. Please take care when properly disposing of paperwork you no longer want or need to keep. Shredding your documents is a smart option. Unison will be hosting our spring Shred Fest on Saturday, May 11th from 9:00 a.m. – Noon at our Crooks Avenue location. Bring your papers to this free event and let the professionals from Cintas securely shred them. For your convenience, our Shred Fest is now set up as a drive-thru in our employee parking lot. Don’t share it, shred it - rain or shine, you won’t have to leave your vehicle! More companies are giving customers the option of receiving bills, notices and other paperwork electronically, as well as the ability to make payments online. Unison Credit Union is one of them! With It’s Me 247 online banking you can view your statements, receive notices, set up account alerts, transfer funds and so much more. Sign up for CU Easy Pay to receive bills electronically and pay them online! By eliminating paper bills, payments and statements alone you could save over seven pounds of paper each year! Also, when you sign up for e-statements you will automatically receive your InUnison newsletter electronically (paper versions will still be available in the lobby of each branch). Add checking your credit report/score to the “to do” list. Your credit history is the foundation of your financial stability, take time to make sure it is cleaned up too! The information on your credit report is what determines your score and affects how much you will pay for loans, insurance or other life needs. Check your report periodically so you can catch and fix any discrepancies right away. Order a free copy (one per year) of your credit report from annualcreditreport.com. If you find a mistake, determine if you need to take your dispute up with the lender or the credit-reporting bureau. Follow-up to make sure corrections were made and reflected on your report. Whether you stick to paper or try electronic recordkeeping, your financial clutter needs an overhaul every now and then. Organizing file folders into categories is user friendly for either your desk or computer desktop. Going paperless isn’t for everyone, but for others it may save you more than just paper cuts. Handling financial documents and other important information electronically can save space, time and perhaps your sanity! Shred FeSt drive - thru don’t Share it, Shred it! Saturday, May 11 | 9 a.m. - Noon Unison Credit Union | 1616 Crooks Ave., Kaukauna What needs to be shredded? • Pre-approved credit card offers • Receipts • Old checks • Monthly account or credit card statements • Bills • Old tax returns 10 box maximum per person. Shred Fest subject to end when truck becomes full. $100 cash raffle prize is presented by Board Member Joe Verhagen to winner, Judy K. Mitchell! Unison’s 80th Annual Meeting! This year at our Annual Meeting, Unison distributed checks for $5 that atte of three area charities. Thanks to all of you, we donated $385 to Loaves an to Haven of Hope Daycare and $100 to Wrightstown Area Food Pantry! W prizes to lucky members who attended! upcoming events Money Smart Week® Wisconsin April 22-27 Money Smart Week® was designed to help consumers better manage finances and provide awareness of financial education programs on topics such as budgeting and using credit wisely. To find events in the Fox Cities, visit www. moneysmartweek.org. Bart Meulemans is presented his cash prize from Board Member Grace Fuller. National Credit Union Youth Week April 22-27 Want to win a $100 Visa® gift card? Members age 17 and under who know how to “stash their cash” can win one of two $100 Visa® Gift Cards! Ask a Member Associate how to enter and for complete details. Coupon Challenge to Frugal, thrifty, cheap – call the art of saving money what you want, but we all like to you can save even more with the right tools and smart strategies. David Meier receives his winnings from Board Member Mark Kjorlie. Raymon envelop Preside Pig to Pig Walk May 4 Unison is a proud sponsor of the 15th Annual Pig to Pig Walk. The walk starts at 8:30 a.m. at the Kaukauna Piggly Wiggly and ends at the Little Chute Piggly Wiggly. Proceeds benefit the Make-A-Wish Foundation. Come join in the fun! Prices are $15 for a single registrant or $30 for a family. For more information contact Jane Schaefer at firstname.lastname@example.org. do it, especially with coupons. Whether you are new to couponing or a se Many of us are in awe of the coupon extremists who take the sport of couponing shop. Coupon rookies should, however, keep it simple when starting their coupo three coupon resources such as the newspaper, an online site and/or the grocery shopping list, as well as your weekly meal menu, based on the items you have co The combination of coupons and lists will save you money and time. Shred Fest May 11 9:00 a.m. - Noon Bring your unwanted and outdated documents to Unison’s 1616 Crooks Avenue location in Kaukauna. A professional document shredding company will be on hand to securely dispose of your documents. If you are interested in learning more about the world of coupons we encourage “Curious About Couponing” workshop on Monday, April 22 at 6:00 p.m. in the C Community Room. “The Bargain Sleuth,” Jennifer Jacobson-Carew, will share he finding hot deals and more! Register on our website, unisoncu.org or at any Unison location. We hope to see you there! Fun F endees could donate to one nd Fishes Food Pantry, $290 We also gave out $800 in cash Monday, April 22 - Saturday, April 27 | Area Events “Curious About Couponing” The Bargain Sleuth, Jennifer Jacobson-Carew Want to learn more about couponing? Attend this FREE workshop and become a money saving expert! Get more tips on couponing at greenbayconsumer.com! Monday, April 22 | 6:00 p.m. - 8:00 p.m. | U nison Credit Union Kaukauna South 1616 Crooks Avenue Community Room nd Hernke is handed his cash pe by Unison Executive Vice ent, Cheri Ver Voort. “Myths Women Believe About Money” - Rachel Cruze Rachel Cruze, daughter of financial guru Dave Ramsey, will speak at this spectacular luncheon event for women. Registration required by April 19, $15 per ticket. Purchase your ticket at: rachelcruzelunch.eventbrite.com. ed Tuesday, April 23 | 11:30 a.m. - 1:00 p.m. | Fox Valley Technical College 1825 Bluemound Dr, Appleton | Room E130 ABCD, entrance 10 The Big Read Saturday, April 27 This is a read-aloud event for families and children. Children will receive a free book! The event is FREE and no registration is required. | 10:00 a.m. - 11:00 a.m. Check with your local library for participation. “Money and Not So Common Sense” - Rachel Cruze Tuesday, April 23 | 6:30 p.m. - 8:00 p.m. Holiday Inn | 150 S. Nicolet Rd., Appleton Rachel Cruze, daughter of financial guru Dave Ramsey, will speak at this FREE event. Registration required by April 19, register at: rachelcruzeevening.eventbrite.com. easoned “pro”, g to a new level each time they oning journey. Choose two or y store’s in-store flyer. Create a oupons for and in-store sales. National Credit Union Youth Week S ̓ tache your Cash Monday, April 22 - Saturday, April 27 at All Unison Credit Union Locations! you to join us for our FREE Crooks Avenue location er tips for cutting grocery bills, Members 17 years old and under can stash their cash for a chance to win $100. Each deposit of $25 or more into their Unison savings account is an entry into the drawing for one of two $100 Visa® Gift Cards. Visit any of our locations for rules and complete details. F ac t : The average American receives more than $1,677 per year in coupon offers, according to Time magazine, October 2011. Hours Lobby Drive-up Monday 9:00 - 5:00 7:30 - 5:00 Tuesday 9:00 - 5:00 7:30 - 5:00 Wednesday 9:00 - 5:00 7:30 - 5:00 Thursday 9:00 - 6:00 7:30 - 6:00 Friday 9:00 - 5:00 7:30 - 5:00 Saturday 8:00 - 12:00* 8:00 - 12:00* *Unison’s Kaukauna South, Little Chute and Wrightstown branches are open on Saturdays. As of March 31, 2013 Assets..................................... $171,935,766.25 Deposits................................. $151,374,584.31 Loans...................................... $122,347,112.49 Reserves................................... $18,949,499.71 Members................................................ 18,190 Locations Kaukauna South Kaukauna North Little Chute Wrightstown Ghost Branch Mustang Money 1616 Crooks Avenue, Kaukauna, WI 54130 1000 Hyland Avenue, Kaukauna, WI 54130 2001 Freedom Road, Little Chute, WI 54140 465 School Street, Wrightstown, WI 54180 Kaukauna High School Commons Little Chute High School Commons Questions? Call us at 920-766-6000 or toll free at 1-888-878-8806. Visit us online at unisoncu.org. Email us at email@example.com. Unison Credit Union is federally insured by the National Credit Union Administration. Stash your cash during Youth Week 2013! Each deposit of $25 or more into your Unison account is an entry into a drawing for one of two $100 Visa® Gift Cards. Win $100! ’Stache Your Cash One entry for each one time deposit of $25 or more per day. Maximum amount of six entries per person for the week. Entrants must be 17 years or under. No purchase necessary. Visit a Unison location or call 920-766-6000 for official contest rules. Membership eligibility required. April 22-27 k n u a for th yo choosing Available at any Unison location.