InUnison Published quarterly for the members of Unison Credit Union.
Fall 2015 | No. 164
“We’ll always partner with Unison!”
Holi da y s! Holiday Hours Thursday, November 26 Closed
Thursday, December 24 Closed at noon
Friday, December 25 Closed
Friday, January 1 Closed
“Erika and everyone we’ve spoken with at Unison have played a huge part in helping us to achieve our financial goals,” said Patty. “We’ve had nothing but great experiences with Unison! The service is quick and very accurate. We are so excited to be able to save money toward our ultimate dream of building a new home.”
Unison then helped the Wilkes purchase a used vehicle for their son when he turned 16. “We purchased an older vehicle that was in great condition. Other financials would not finance a small loan on this older vehicle, but Unison said YES. Our son absolutely loves his new truck!!! And we were able to take advantage of a great rate,” said the Wilkes. Just a few short months later, Patty was trying to figure out their budget and create a financial plan
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for building their dream home. She realized that if they could take out a consolidation loan to lower the amount of interest they were paying, they may be able to be in a new home sooner. She called Unison and went over their financial information with Erika at the Little Chute branch. Unison was able to do a total debt consolidation, which included both of their vehicles and credit card debt. The consolidation loan with Unison lowered their interest rate far below what the credit card companies were charging them.
“Unison has been there for us every time. We are very fortunate to have them on our side and recommend them to family and friends on all occasions!” says Randy. Thank you Wilkes! We’re happy to have you as member-owners and are glad we were able to find the loan options that work for you! If you’d like to be considered for our Member Spotlight, send an email to emarketing@unisoncu.org
2016 Calendars
Complimentary 2016 calendars will be available to members beginning the day after Thanksgiving. Stop in at any of our locations to pick up your calendar.
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The Wilkes, seated from left: daughter Taylor, Randy, son Remington, Patty and the family pooch, Colbie.
The Wilkes live in Winneconne but both work in the Fox Valley area. They became members 5 years ago when they heard about us through friends who had recently come to Unison for a Home Equity Loan. “It was an easy choice,” said Patty. “We refinanced our house when we decided to finish our basement, just as our friends had done. Unison was able to get us the money we needed to finish our entire project!” Randy added: “Everything about the process was simple and I couldn’t believe the turnaround time!”
Money Envelopes
Money envelopes are available the day after Thanksgiving through Christmas. The envelopes are $.25 each or five for $1.00. All profits go to the Children’s Hospital of Wisconsin-Fox Valley.
upcoming events
Change is Good… with Simple Saving! Finally, a savings program that lets you save money while you shop.
Visa® gift cards make the perfect Christmas present or stocking stuffer! You choose the amount, they choose the gift!
Available at any Unison location.
Sign up and keep your change! Moola’s Christmas Party December 10 6:00 - 7:30 p.m. Join Moola and fellow Kids’ Club members at The 1000 Islands Environmental Center. Visit with Santa, decorate cookies, get your face painted and more!
EMV chip technology is on its way!
De Pere Christmas Fun!
Unison will be implementing EMV microchip technology in our credit and debit cards to increase the security of transactions. EMV (Europay, MasterCard®, Visa®) heightens card security by encrypting your card information, making it more difficult to compromise. The card’s small microchip provides greater protection for you by reducing the likelihood of fraud and giving you peace of mind.
The Polar Express at the National Railroad Museum November 20 - November 22 November 27 - November 29 December 2 - December 6 For more information or to purchase tickets visit nationalrrmuseum.org or call (877) 772-5425. Heritage Hill The Spirit of Christmas Past December 12 December 19 Noon - 6:00 pm Experience an old-fashioned Christmas with horsedrawn wagon rides, historic dancing, cooking, crafts and music from local musicians. For more information, visit heritagehillgb.org.
Christmas Parade Schedule Little Chute November 30 - 6:30 p.m. Kaukauna December 1 - 6:00 p.m.
Wrightstown December 5 - Noon Kids’ party to follow at the Wrightstown American Legion
Internet Safety while using Unison’s
1. Log in and look things over. Review your accounts by logging in on a regular basis.
In the future, you will be receiving a new credit and/or debit card equipped with an EMV chip. We are working closely with our card processors and anticipate reissuance to begin in 2016. Until then, please know that your current card, with a traditional magnetic strip, is secure. You are protected by the Visa® Zero Liability policy, which means your liability for unauthorized transactions is $0. You may notice that merchants are gradually upgrading their payment terminals to accept both magnetic strip cards and those with EMV chips. Watch for more information about receiving your new card(s) in the upcoming months. If you have questions regarding EMV, please contact our Electronic Services department at 920-766-6000 or toll free at 1-888-878-8806.
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 or toll free at 1-888-878-8806. 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.
Fun F
2015 Donate cash, canned goods and non-perishables at any Unison location beginning November 3.
Drop off your new, unwrapped toys at any Unison location between November 4 & December 14.
Team Unison
Stock the Shelves
Unison was proud to sponsor the 6th Annual Walk for Suicide Awareness in Kaukauna. Over 3,500 walkers participated this year!
APR*
*Annual Percentage Rate. To the extent that your payments exceed the minimum payment due each billing period, payments will be applied to balances with high APRs prior to balances with low APRs. This rate does not apply to cash advances. Balances cannot be transferred from one Unison card to another to qualify for this promotion. Membership eligibility required. 2.99% promotional APR for 12 billing cycles following December 31, 2015 on purchases and balance transfers made from November 1, 2015 through December 31, 2015. After 12 billing cycles, you will be charged the standard APR for purchases and balance transfers, currently 9.99% for Visa速 Platinum cardholders and 12.99% for Visa速 Platinum with Rewards cardholders. A 1% foreign transaction fee will be assessed for purchases made in foreign currencies and in foreign countries.
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The first credit card was created because of the embarrassment of a man who had to pay for dinner, but forgot his wallet.
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, Wrightstown and De Pere branches are open on Saturdays.
Locations
Kaukauna South Kaukauna North Little Chute Wrightstown De Pere 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 900 Main Avenue, De Pere, WI 54115 Kaukauna High School Commons Little Chute Middle 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 mail@unisoncu.org. Unison Credit Union is federally insured by the National Credit Union Administration.
In the market for a new vehicle? Use our online calculators to figure out what you can afford at unisoncu.org
Apply today!
As of September 30, 2015 Assets..................................... $188,358,286.26 Deposits................................. $167,083,380.73 Loans...................................... $133,440,638.61 Reserves................................... $20,166,548.00 Members................................................ 17,664
CHRISTMAS
PARTY!
THURSDAY, DECEMBER 10
6:00 - 7:30 p.m.
Stop in and speak with an FSR today! 1000 Islands Environmental Center • Kaukauna
Mortgage Options!
15 & 30 Year Fixed Rate ARMs 3, 5 & 7 Year FHA Loans VA Loans USDA Rural Development Loans
Stop in to speak with a Financial Services Representative or go to unisoncu.org to learn more.