InUnison winter 2014
Unison Credit Union's quarterly newsletter
InUnison Published quarterly for the members of Unison Credit Union. We Say It Because We Mean It. Thank you for choosing Unison! A pat on the back. A hand shake. A warm smile. A simple thank you. We all like to be appreciated. That’s how we feel toward our members at Unison Credit Union. Winter 2014 | No. 157 Over the past year, you’ve heard the message time and time again: Thank you for choosing Unison! When you visited your credit union and when you called us on the phone, on our website and in your mailbox. A sincere thank you for choosing us for all your financial needs! And it wasn’t just lip service. It was a genuine effort to show our appreciation and gratitude for all our members have done for us. Without you, there would be no us. Our words give meaning to our tagline, we start with you! Your loyalty has allowed us to expand our services to meet your growing needs. During 2013, the addition of services like our new and improved bill payment service and text banking have made managing your money more convenient than ever. Expanded loan offerings like our new 7-year Adjustable Rate Mortgage and 30-year fixed rate option can save you thousands and make home ownership a reality. Our core values of integrity, confidentiality, financial soundness and community service are another way we show our appreciation. This year more than ever, our commitment shone brightly through our expanded financial education program in our schools. The Kaukauna, Little Chute and Wrightstown area schools have all benefited in countless ways from our focus on a new generation of moneysmart consumers. We made more than 130 classroom visits teaching important lessons on budgeting, spending and saving. Our participation in the Career Pathways Academy and Flex Academy supports alternative approaches to traditional education. And it doesn’t end there. We clocked countless hours volunteering in your community. For the third year in a row, we teamed up with Rebuilding Together Fox Valley to help a neighbor make much needed home improvements. We collected non-perishable food items by the cart-full for local food pantries. Our collection of warm, fuzzy items this past December is helping to keep the children of Harbor House a little warmer this winter. We are proud to hold the distinction of Founder, as a ground level sponsor of the new Kaukauna Public Library project. These are just a few of the many ways we paid it forward in 2013. We look forward to working together in 2014. Your trust and dedication allow us to continue to live our mission, redefining exceptional service and expanding into new horizons for our existing members and future members yet to come. We can’t say it enough. Thank you for choosing Unison! Save the date! for Unison Credit Union’s Wednesday, February 12 | 6:30 p.m. Kaukauna High School Auditorium Join us for an evening of credit union updates, plans and giveaways! Coffee and refreshments will be provided. 81st Annual Meeting CEO/President $ We hope to see you there! 800 in cash giveaways! ▲ 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! Justin Schnell Serious Savings gift card winner Hannah Borchert Moola Moola’s Kids’ Club Christmas Party Moola cash deposit winner upcoming events Annual Meeting Wednesday, February 12 6:30 p.m. Kaukauna High School Save the date! Join us to hear about the past year and see what is new for 2014! Refreshments will be provided. We look forward to seeing you there! Blood Drive Friday, February 14 2:00 p.m.- 4:30 p.m. Little Chute Branch Give blood, save lives! To schedule a donation appointment, please contact Erika at 920-687-6000. Walk-ins are also welcome. 2014 Taste of the Times Cooking Extravaganza Saturday, March 15 Expo starts at 1:00 p.m. Show begins at 3:00 p.m. Sunday, March 16 Expo starts at Noon Show begins at 2:00 p.m. Little Chute High School Unison is proud to sponsor the Taste of the Times Cooking Extravaganza again this year! Tickets are available at the Times-Villager. Call 920-759-2000 for more information. ▲ Pay Yourself First This Year! Our take on the 52-week money challenge and how to make it work for YOU! Motivated to save some extra cash in 2014 or put extra towards a credit card or loan payment? Here are a few ideas for ways you can save (we even have a kids version)! By using Unison’s convenient services, like direct deposit and auto transfers, you can have the cash transferred into savings when you get paid. Nickname your 52-week account as a separate share-savings account, using It’s Me 247 Online Banking, to transfer from account to account whenever you feel like it! If you have credit card debt or a loan to pay off, you can use this as a “pay more” plan. Get the kids involved! Instead of $1, save using dimes instead. Have them challenge their siblings and friends at school to make saving fun and competitive! If your budget is too tight to follow the original plan, but you still want to begin a savings habit, try a bi-weekly plan. Set aside the corresponding amount for each week (as you do with the original plan), but you’ll only save for 26 weeks instead of 52. The first week, set aside $1. Skip the next week and set aside $2 the following week. Skip the next week and set aside $3 the following week, and so on. With this plan you would never have to save more than $26 in one deposit and you would still wind up with an extra $351 in your pocket by the end of the year! Download a handy guide on our website at unisoncu.org under our savings tab and get started TODAY! Try out the 52-week money challenge. The original money challenge is very simple. On week 1, you’ll save $1. On week 2, you’ll save $2. On week 3, $3 and so on. By the time you’ve deposited that $52 on week 52, you will have yielded a total savings of $1,378! Because we are already well into 2014, select a week to use as your starting point. If your goal is to finish the challenge this year, you can choose to “catch up” your savings amounts to the actual week. This can also be reversed. Choose your start week, save the largest amount of $52 first. By the time you reach the holidays, you’ll be required to save less each week, making Christmas shopping a little less stressful, plus, you’ll end up with the same savings of $1,378. ▲ ▲ Moola is always ready to greet his friends! $1,378.00 Fun F People Helping People! Our employees and their family members helped stock shelves at St. Joseph’s Food Program. Internet Safety while using Unison’s Christmas Charity Drive Collection of “Warm Fuzzies” Exceeds Goal! This Christmas season, Unison Credit Union partnered with its members to collect “warm fuzzy” donations for the children of Harbor House. Unison Credit Union staff and members collected donations of new children’s pajamas, hats, mittens, scarves, socks and slippers. Through our matching gifts program, Unison donated $5 to Harbor House for every item collected. With our members’ generous support, Unison was able to donate almost 500 items and present a check for $1,500. Unison employees had the opportunity to wear Green Bay Packers apparel on Fridays in trade for a donation to Harbor House. In addition to our matching gifts donation, $1,414 was raised to support Harbor House Domestic Abuse Programs! Above: Laura Weber presents a $1,500.00 check to Jennifer Krikava from Harbor House. Left: Cody Hietpas, Joyce Schuh, Kathy Dobner and Dani Glodoski on throwback Friday. 1. Log in and look things over. Review your accounts by logging in on a regular basis. 2. Have a strong password. You can get good advice on what makes a strong password on Unison’s website under Checking & Savings/Account Services. Go to the It’s Me 247 information page from there and see how your password adds up. 3. Keep information private. Be especially careful if you use a public computer to access your account. Always be sure the web address starts with https. Log all the way out and quit the browser so the next person can’t pull up your information. 4. Be aware of website redirection. As you navigate through Unison’s website, anytime you click a hyperlink to another website, we will notify you that you are leaving our website. If you do not receive this message or if anything appears suspicious, please contact us immediately at 920-766-6000. 5. Always log off. Completely log off from your online banking session. It is not safe to simply close out of your browser. 6. Assess your own risks. Be aware of the anti-virus software on your computer. Be sure to store your login information in a safe place. 2.39 Toys for Tots : c a t ▲ Beautiful, handmade toys were donated at Wrightstown! ▲ % Cars | Trucks | Snowmobiles ATVs | Boats | Motorcycles Limited Time Offer! Hurry & Apply! Apply online at unisoncu.org *APR stands for Annual Percentage Rate. Rate is determined by your credit score, loan subject to credit approval. Applies to vehicle loans for 2008 model year or newer cars, trucks, ATVs, snowmobiles, boats and motorcycles. $5,000 new money required. HELOC, mortgage and unsecured loans excluded. Monthly payments of $17.71 per $1,000 borrowed on a 60-month term at 2.39% APR. 72-month term also available at 3.49% APR with monthly payments of $15.42 per $1,000 borrowed. Payments may vary. Membership eligibility required. Limited time offer. Federally insured by NCUA. According to the Guinness Book of World Records, on January 28, 1887, a 15 inch wide, 8 inch thick snowflake, the largest ever observed, fell in Fort Keogh, Montana. 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 December 31, 2013 Assets.................................. $174,460,834.27 Deposits.............................. $154,341,119.24 Loans................................... $117,240,878.88 Reserves................................ $19,130,963.73 Members............................................. 17,771 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. If you or your family members plan to head south for the winter months and need your statements forwarded, please make arrangements by calling us at 920-766-6000 for more information. Attention Snowbirds! u o y k n a h T g n i s o o h C for Unison! 5 & 30 YEAR Fixed Rate 1 ARMs 3, 5 & 7 Year FHA Loans VA Loans USDA Rural Development Loans Unison Credit Union is federally insured by the National Credit Union Administration. Mortgage Options Call 766-6000 or stop in to speak with a Financial Services Representative for more information.