

















CREDIT UNION OPINION - DUMKA
is published by the Ukrainian Federal Credit Union. This is a free publication to UFCU members. Copyright 2014. All rights reserved. No article or photograph may be reproduced or reprinted without prior written permission.
The Editors reserve the right to edit all articles and omit photographs for space. Articles and photographs may also be rejected from inclusion in the magazine if deemed unsuitable. Manuscripts and photographs submitted to the Opinion for publication become the property of the magazine and cannot be returned.
Advertisements appearing in this publication are for information purposes only and are placed on a first serve basis. No endorsement of the products, services, organizations or options advertised herein intended or should be implied.
All non-Ukrainian FCU brands and product names are trademarks or registered trademarks of their respective companies.



































































































































2014 CALENDAR, dedicated to the 200th Anniversary of Taras Shevchenko's Birthday, is available at your local UKRAINIAN FEDERAL CREDIT UNION




save money by transferring your high-interest balances to ufcu visa® credit card!

4.90% Promotional APR* on balance transfers for 12 months

AFTER THAT a variable purchase APR* of
9.75%
12.75%
0% balance transfer fee
*Annual Percentage Rate. E ective 11/15/13 to 5/15/14
APR Annual Percentage Rate. Offer applies to balance transfers only, offer valid 11/15/2013 through 5/15/2014. No Balance transfer fee.
4.90% Promotional APR valid for 12 months, from the first qualifying transfer, after that a variable purchase APR of as low as 9.75% - 12.75% based on your credit score, will be applied to any unpaid outstanding balance. This APR will vary with the market based on the Prime Rate.The highest variable APR is 18%. Existing UFCU Visa Credit Card balances do not qualify. New UFCU Visa Credit Card accounts subject to credit approval and/or co-signer. In some cases, UFCU may not be able to process a balance transfer request. Membership eligibility required. Економте
