InUnison spring 2014
Unison Credit Union's quarterly newsletter
InUnison Published quarterly for the members of Unison Credit Union Simplify your finances this spring! Spring 2014 | No. 158 Simple is good, especially when it comes to your finances. Wishing there was a less complicated way to manage your finances? Unison can help! Follow these steps to simplify your financial routine. Get set up with direct deposit. Have your check directly deposited to your Unison account and save yourself a trip! Ask your employer about having your paycheck directly deposited. Once this is done, stop in at any of our branches and have one of our Financial Services Representatives set up account distributions and enroll you in It’s Me 247 Online Banking. Automate everything. Once you have direct deposit and It’s Me 247 Online Banking, be sure to take advantage of our eAlerts to receive notices regarding account balances, electronic deposits, withdrawals or when a payment is due. With eStatements, you’ll get an email informing you as soon as your statemement is ready. No more waiting for the mail! Use our text banking to request and receive basic account information via text message when you’re on the go. Pay your bills online. By using CUEasy Pay, Unison’s FREE bill pay service, arrange automatic monthly payments for all of your bills! Save time and money by skipping the hassle of stamps, envelopes and physical checks. Set up transfers to creditors, financials or even individuals with Easy Pay. Best of all, you can automatically keep track of what you spend and where you spend it for easy review, which makes budgeting so much simpler. Utilize savings options. Unison offers many accounts and services so you can easily transfer your money from one to another online. Use our sub-share savings accounts to help you with budgeting for expenses or “extras” like a vacation. Use nicknames for each account and set up automatic transfers. Also, remember to pay yourself first! Try to save at least 10% of what you make every month. Consolidate your debt! Do you have credit card debt or outstanding loans? Use the equity in your home to consolidate to one, low monthly payment. We also have lowinterest Visa® Platinum credit card options that could reduce your payment and help you pay your debt down more quickly. Be ready for financial emergencies. It is recommended you set aside six months of living expenses to guard against the unexpected. That may seem unrealistic, but start small. Begin with $500, which is enough to cover the cost of most minor emergencies. Add $100 a month until you reach your goal. Use Unison’s handy online calculators. You will find a link to them on every page of our website, unisoncu.org. They are useful in planning for future needs like saving for college or buying a home vs. renting! Ready to get started? Give us a call at 766-6000 and ask to speak with a Financial Services Representative. We’ll have you keeping it simple in no time at all! SHRED FEST drive - thru DON’T SHARE IT, SHRED IT! Saturday, May 10 | 9 a.m. - 11 a.m. 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. InUnison is available in an electronic format. To receive it electronically, please sign up on our website by clicking the envelope icon in the lower left. Or, update your info in It’s Me 247 Online Banking to receive eStatements and get InUnison and monthly eNews automatically. Never miss a promotion or important Unison news! Unison’s 81st Annual Meeting! This year at our Annual Meeting, Unison once again distributed checks for $5 that attendees could donate to one of three area charities. Thanks to all of you, we donated $445 to Loaves and Fishes Food Pantry, $205 to St. John Food Pantry and $145 to Wrightstown Area Food Pantry! We also gave out $800 in cash prizes to lucky members who attended! $100 cash raffle prize is presented by Board Member Gary Wolf to winner Daniel R. Verboomen! upcoming events Pig to Pig Walk May 3 ▲ Unison is a proud sponsor of the 16th 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 email@example.com. Welcome to your first home! Are you on the verge of becoming a first-time home buyer? Unsure if it’s the time for you to take the plunge or not? Follow the steps below to prepare yourself for the leap into home ownership. • Do research online targeting the locations where you’d like to live. Pick up free publications at local merchants that have the most current local listings or work directly with a realtor. • Make sure you are looking at houses you can afford. Stop in at Unison and speak with a Financial Services Representative to find out what your price range should be. We recommend having a down payment of 20%. Use Unison’s mortgage calculator online at unisoncu.org to estimate what your payment would be. We also offer a FREE First-Time Homebuyer’s Guide which will help you feel more comfortable with real-estate terms and other things to expect like appraisals, contingencies, inspections and closing costs. • Get an idea of what your total monthly housing cost would be including taxes, homeowners insurance and utility rates. To get an idea of what you’ll pay in insurance, pick a property in the area where you want to live and make a call to a local insurance agent for an estimate. Call your local utility company, give them the address and they will let you know an average of what the utilities cost. • Unison has many mortgage options and the requirements for each are a little different. One of our Financial Services Representatives would be happy to help determine which option is right for you! • Look at the big picture. While buying a house is a great way to build wealth, maintaining your investment can be labor-intensive and expensive. When unexpected costs for new appliances, roof repairs and plumbing problems come up, there’s no landlord to turn to. These costs can drain your savings account fast! Be prepared with an emergency fund for unexpected expenses. Together, you and Unison will make your dream of home ownership a reality. From our adjustable rate mortgage options to our fixed rate loans, Unison will be there for you through the entire process. We can’t wait to help you decide which mortgage option will work best for you! Shred Fest May 10 9:00 a.m. - 11:00 a.m. 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. Great Wisconsin Cheese Festival June 6 - 8 The 26th Annual Festival takes place at Doyle Park in Little Chute, WI. Watch for us in the Big Cheese parade on June 7th! For complete event information go to www.littlechutewi.org. Fun F Unison Sponsors The TimesVillager Cooking Extravaganza ▲ People Helping People! ▲ We had two Unison employee teams Bowling for Kids’ Sake to raise money for Big Brothers Big Sisters of the Fox Valley. This year’s event had a “nerd” theme. Unison representatives Laura Weber and Jane Zimmer volunteer at the Times-Villager Cooking Extravaganza at Little Chute High School. CONSOLIDATE YOUR DEBT! With a low-rate Unison Visa® Platinum or Visa® Platinum with Rewards credit card! • 24/7 fraud monitoring • No annual fee • Make payments online, by phone, by mail or in person! Apply online at unisoncu.org or pick up an application at any of our locations. Smart Option Student Loan® by Sallie Mae® When scholarships, federal loans and financial aid don’t cover all your expenses, the Smart Option Student Loan® by Sallie Mae® can make up the rest. Let us help determine which borrowing options are right for you! Apply online today at unisoncu.org : c a t There are more than 1.6 million ATMs in the world. There is even one in Antarctica! Friday is the most popular day to use an ATM and the average amount withdrawn is $80. 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* *Unisonâ€™s Kaukauna South, Little Chute and Wrightstown branches are open on Saturdays. As of March 31, 2014 Assets.................................. $181,766,114.01 Deposits.............................. $160,906,434.99 Loans................................... $118,641,016.57 Reserves................................ $19,353,575.33 Members............................................. 17,679 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 firstname.lastname@example.org. Unison Credit Union is federally insured by the National Credit Union Administration. Text banking allows you to request and receive basic account information via text message. It is as secure as mobile or online banking. No detailed personal information is sent and you view accounts by nicknames, not account numbers, set by you. You can also enroll in eAlerts and receive notices via text regarding account balances, electronic deposits, withdrawals or when a payment is due. Stop in and talk with one of our helpful Financial Services Representatives to sign up today! 5 & 30 Year Fixed Rate 1 ARMs 3, 5 & 7 Year FHA Loans VA Loans USDA Rural Development Loans Call 766-6000 or stop in to speak with a Financial Services Representative for more information. Mortgage Options Available at any Unison location.