InUnison Published quarterly for the members of Unison Credit Union.
Fall 2014 | No. 160
Unison is the perfect fit for my small business!
Meet Dorothy “Dort” Vander Wyst from Festive Balloons in Little Chute. Dort has always been a supporter of credit unions, she’s belonged to one since she was a little girl saving money in a piggy bank. Dort was born and raised in Little Chute, and still lives there today, where she runs her online and inhome business. Dort’s husband, Frank, started using Kaukauna Credit Union (now Unison) when his employer began direct deposit. They opened a joint account at Unison about 10 years ago, when the Little Chute branch was built.
Thursday, November 27 Closed
Wednesday, December 24 Closed at noon
Thursday, December 25 Closed
Thursday, January 1 Closed
Dort’s interest in balloon creations came when she began following several balloon artists on YouTube and practicing balloon twisting at home with the long, skinny (entertainer) balloons. After attending a daylong balloon workshop, Dort decided to start a business of her own doing smaller, more detailed sculptures.
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Holi da y s! Holiday Hours
“I love to use It’s Me 247 Online Banking to keep track of my balances and to transfer money from my savings account to pay my Unison credit card. It is so easy!”, says Dort. “The employees at Unison have always been very personable. From being greeted in the lobby, going through the drive-up and now, with Ryan, my Financial Services Representative, I have had smiling, helpful and pleasant service. I would recommend Unison to anyone who needs advice or help with any type of account.” We’d like to say Dort, thank you for choosing Unison! Visit Festive Balloons online at www.festiveballoons.biz If you’d like to be considered for our Member Spotlight, send an email to emarketing@unisoncu.org
2015 Calendars
Complimentary 2015 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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In July, she stopped in at our Little Chute location to open her business account. “Unison has helped make banking easy and convenient for my business.” says Vander Wyst. “I worked with Ryan on opening the account, he answered all my questions and made the process very enjoyable. Ryan took an interest in my balloon business and spread the word along to others at Unison, which has really helped me out!”
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-Fox Valley.
12th Annual Fox Cities Money Conference Saturday, November 8 8:30 a.m. - 3:45 p.m. Fox Valley Technical College Pre-registration by 10/29: Adults $5.00 Children $2.50 Day of: Adults $7.00 Children $3.00 Childcare available for ages 2-5, but must have advance reservations. For more information, please call Asset Builders at 866-304-6896 or Susan McDermott of FVTC at 920-236-6158. Moola’s Christmas Party December 4 Join Moola and fellow Kids’ Club members at The 1000 Islands Environmental Center from 6:00 - 7:30 p.m. Visit with Santa, decorate cookies, get your face painted and more!
Holiday Parade Schedule
Little Chute December 1 6:30 p.m. Kaukauna December 2 6:00 p.m. Wrightstown December 6 Noon Kids’ party to follow at the Wrightstown American Legion
Team Unison
Congratulations!
Opening in De Pere EARLY 2015!
upcoming events
Our Unison Board Members, VPs and Management Team were joined by the Mayor of De Pere and Keller, Inc. to break ground for our new location at 900 Main Avenue in De Pere.
Adam Schmidt won a basket of dorm necessities when he attended our College 101 workshop in July.
Unison was proud to sponsor the 5th Annual Walk for Suicide Awareness. Over 3,700 walkers participated this year!
Deck the Halls Without Overspending
Even in tough times, it seems we love to shop…especially for the holidays. But why?
Some people may feel guilty about not spending as much time with their loved ones or friends and will compensate with a special gift. Others may feel they need to ‘keep up with the Joneses’ to match what friends, families, neighbors and even co-workers are doing. And some simply get swept away in the glitter of the season and overspend before they realize what they’re doing. For all of these reasons, setting a budget and making a list, and matching the two, can be really effective at reining in the ‘over’ part of holiday overspending.
Smart Spending
So how can you have your holiday shopping and stay on budget too? Here are a couple ideas.
• Crunch the numbers. Create a holiday budget listing all expenses, including small gifts and “extras,” such as cards, wrapping paper, decorations and holiday clothing purchases. • Avoid money matching. Most people feel the stress of the dollar-for-dollar matching competition, so talk with the people on your shopping list about setting limits. Fill in gaps with homemade presents or offer help to the recipient with chores or services.
• Start early. Avoid the last-minute rush so that you’ll have more time to comparison shop. If you’re in a rush to get out of a crowded mall or store, you’re more likely to spend impulsively as a way of escape.
• Get creative. Set up a gift exchange among friends and family. For children with big-ticket items, consider pooling resources with other family members rather than splurging yourself into debt. • Be a quitter. When you hit your budget limit, stop! Leave credit cards at home and put each person’s budget in an envelope, in cash. When it’s gone, it’s gone – and you’re done.
• Spend within your means. If you run up a big bill to celebrate the holidays and then pay it off at a leisurely pace, next year you may experience financial heartburn, the sour sensation that your holiday overindulgence is taking way too long to leave your budgetary system.
Oops! I Overspent…
Not to worry! Unison Credit Union is here to help. If you accidentally get a little carried away with the spirit of giving, stop in and talk to one of our Financial Services Representatives. Whether you need to consolidate your debt, take out a new loan or need a credit card, we are here for you. It’s never too early to start planning ahead for next year with our Christmas Savings account. At Unison, we start with you and we’ll stay with you! Merry Christmas to you and yours. Thank you for choosing Unison! Source: http://express.cuna.org
Fun F
Fox Cities Marathon
Unison was excited to sponsor mile eleven of The Fox Cities Marathon this year! We made signs and cheered on runners along Crooks Avenue.
Drop off your new, unwrapped toys at any Unison location between November 10th & December 10th.
Did You Know?
Donate cash, canned goods and nonperishables at any Unison location between October 13th & November 15th.
Unison sponsors Money Smart Week Fox Cities 7th Annual Financial Makeover Challenge!
For added online banking security, you can create your own username!
Could you use $3,000? Would you like to increase your savings or reduce debt?
You have the option to create a username for logging in to It’s Me 247 Online Banking instead of using your account number.
The winning family will receive a cash prize of $3,000. The second place family will receive $1,500 and the other two families will each receive a cash prize of $625. Applications for the 7th Annual Challenge are due at FISC by November 14, 2014.
Creating a username gives you one more layer of protection. To create a username: •L og into your online banking account • Click on Info Center • Under My Preferences, click on Username
We invite you to participate!
Want to know more about the Challenge or get an application? Call FISC at 920-886-1000, visit www.fisc-cccs.org, or stop by any Unison location.
IT’S HOLIDAY SHOPPING TIME!
Keep it simple 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.
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An average of 5,800 people end up in the ER after suffering injuries from holiday decorating. Be prepared, open a Unison Health Savings account today!
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.
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 mail@unisoncu.org. Unison Credit Union is federally insured by the National Credit Union Administration.
Mortgage Options
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.
As of September 30, 2014 Assets..................................... $179,202,733.11 Deposits................................. $158,117,475.87 Loans...................................... $126,302,169.43 Reserves................................... $19,668,508.99 Members................................................ 17,576
CHRISTMAS
PARTY!
NEW N! THURSDAY, DECEMBER 4 LOCATIO 6:00 - 7:30 p.m. Stop in and speak with an FSR today!
The 1000 Islands Environmental Center
Get them the
PERFECT GIFT!
A Visa® gift card! You choose the amount, they choose the gift. Available at all locations.