InUnison Published quarterly for the members of Unison Credit Union.
Summer 2014 | No. 159
Prepare Your Student for College This September, thousands of freshmen will hit college campuses across Wisconsin for the first time as official students. Venturing into the unknown as an adult is extremely exciting. For many teens, this will be the first time handling money and financial decisions on their own. Leaving for college is one more in a series of “firsts” in a lifetime that are exhilarating for kids, and absolutely terrifying for parents! So, what can a parent do to help ease the anxiety? Well, we did some digging. Check out the tips we uncovered that every parent of a college freshman should know.
Exciting NEWS! Unison Credit Union is proud to announce plans for construction of their newest branch at 900 Main Avenue in the city of De Pere.
“After careful consideration by our Board of Directors, this location was chosen to better serve our current membership and offer an attractive financial option for new members”, says Mark Hietpas, CEO. The new building, which will be approximately 3,900 square feet, is being constructed by Keller, Inc., headquartered in Kaukauna. The fullservice office will house 7 employees and feature 2 convenient drive-thru lanes and a drive-up ATM. Unison intends to break ground in late July and open the office in early 2015.
1. Don’t deposit and dash: If you are a parent that plans to give your student some extra money for college, although this is generous it can be potentially dangerous. If you plan to hand out a large sum for the semester or even the year, be sure to have a discussion with your child on how to budget that money so it lasts. This is a tricky conversation, because it’s important to let your student make the decisions and take ownership and responsibility for their own finances. But it’s critical to give loose guidance as to how the money should be spent. 2. Embrace, but limit, financial mishaps: After coaching your student through the budget and providing advice, step back and let your child run with it! Inevitably, mistakes will be made. When this happens remember to keep your cool
and chalk it up to a lesson learned in the school of hard knocks. It’s okay to let your son or daughter struggle! In fact, it’s much better to let them learn now, in college, than after they graduate and are earning larger amounts of money to manage. 3. Encourage financial freedom: A part-time job in college is a great idea. It has been found that students who work around 10 hours per week are more productive, organized, and have better time management skills. Allow your student to decide how the money earned will be spent. Whether they decide to spend it on fun activities, laundry, groceries or the movies, letting students decide where the money they earn will be spent helps to make a strong connection between money earned and money spent. The result? An adult that will likely be more effective in budgeting. 4. Utilize web resources: The good news is you are not alone! Many parents sending their children off to college share similar concerns and anxieties about finances. Thankfully, the Internet makes it possible for students to have numerous financial resources at their fingertips. Unison Credit Union is proud to bring a wealth of resources to our members available on the web anytime, 24-7. Check out unisoncu.org and click on Resource Center. Soon summer will be over and you will be packing up the minivan to move your child out—and in to their new college pad! Take this opportunity to have the conversations about money that are critical to financial success in college, and throughout a lifetime! Information taken from http://www.usnews. com/education/articles/2011/08/17/4-stepsto-financially-prepare-your-student-forcollege?page=2
Serious Savings Gift Card winner
Moola Kids’ Club $25 winner
▲ Max Reignier
College Life 101 July 24 6:30 p.m. - 8:00 p.m. Unison Credit Union 1616 Crooks Avenue Community Room Come get first hand advice from Rose Wasielewski, Assistant Dean of Students at Lawrence University. Learn all about day to day college life and how to budget for everything! Parents and students are welcome to attend. To register, go to: unisoncu.org Moola Summer Party August 9 9:00 a.m. - 10:30 a.m. Badger Sports Park, Appleton Attention Moola Moola Kids’ Club members! Join Moola for mini-golfing, go-kart racing and to play on inflatables. Share a snack and make new friends! Watch your mail for more information. Walk for Suicide Awareness September 13 10:00 a.m. Central Park, Kaukauna For more information or to register go to: walkforsuicideawareness.org Downtown Kaukauna Farmer’s Market Fall Fest September 13 7:30 a.m. - 2 p.m. Farmer’s Market, live music, fire trucks, police cars, facepainting and inflatables for the kids!
Youth Week $100 winner, Dylan Hackel
We are excited to announce our 2014 Unison Credit Union John Aman Memorial Scholarship recipients! This year, Unison is proud to present four $1,000 scholarships. The awards are given in memory of John Aman, the first CEO of Unison Credit Union. His commitment to the credit union industry and community were evident through his passion for volunteerism and putting the needs of our members first. Winners were selected based on their ability to demonstrate the credit union philosophy of “people helping people” through volunteerism and giving back to their communities. The following students are recipients of Unison Credit Union’s 2014 John Aman Memorial Scholarships: Brooklyn Massey, a Kaukauna High School graduate, has logged many hours of service through her work with the United Way, YMCA, Salvation Army, Neenah Children’s Hospital, Boys and Girls Club, Special Olympics and the Humane Society. Brooklyn will attend UW-La Crosse in fall and is undecided on her major. Bryce Zdanovec, a Little Chute High School graduate, has loaned his talents
Youth Week $100 winner, Riley Nickel
to St. John’s Food Pantry, the YMCA, St. John’s Church, the National Honor Society, the Fox Cities Marathon, the special education students at his school and the young athletes he coached as a youth wrestling and football coach. Bryce will attend Augsberg College in the fall to pursing a degree in Science/Pre-med. Erin Adams, a Wrightstown High School graduate, has given back to her community through volunteering at Prince of Peace Church, Toys for Tots, Wrightstown youth athletic camps and tournaments, De Pere Rapids Soccer, Feed My Starving Children, Loaves and Fishes, the Community Clothes Closet and tutoring. Erin will attend the University of Minnesota-Twin Cities to study Nursing. Josh Le Noble, an Xavier High School graduate, has dedicated himself to giving back to his community by working with the Boys and Girls Club, Miracle League, Youth Camp, Autism Camp, Salvation Army, Key Club, Campus Ministry Club, Hispanic Honor Society as a Class Leader. Josh will attend UW-Madison to study Business & Finance.
Unison’s “U-Crew” participating in the Big Cheese parade during Cheese Fest in Little Chute.
Unison is proud to sponsor the Kids’ Fun Run at the Firecracker 5k walk/run in Kaukauna on the 4th of July! We had 42 walkers on Team Unison this year.
Scoop the Surf for Savings!
We randomly selected 3 SUPER SAVERS to receive a chance to “Scoop the Surf”. Whatever change and candy they scooped out of our fish bowl, they won!
Aubry Schweiner $18.49
Cole Pieters $5.68
Noah Ritzke $6.59
Bryce L. Zdanovec
Congratulations to Robert and Heather Bauldry, the winners of our recent 0% loan giveaway! Thank you, Bauldry family, and all who have chosen Unison for their lending needs.
Preparing for your COLLEGE EDUCATION has NEVER been EASIER with Unison and the SMART OPTION STUDENT LOAN® by SALLIE MAE®!
TOGETHER, WE CAN DO THIS!
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Learn more or APPLY today at unisoncu.org. The frequency of a cricket’s chirps fluctuates with the temperature. If you count a cricket’s chirps for 15 seconds and add 37, you will have the approximate outdoor temperature (in Fahrenheit).
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.
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
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.
As of June 30, 2014 Assets..................................... $178,310,190.04 Deposits................................. $157,334,574.44 Loans...................................... $124,292,230.51 Reserves................................... $19,524,752.00 Members................................................ 17,649
15 & 30 Year Fixed Rate 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.
Join Moola Moola and Unison at our kids’ club summer party!
Saturday, August 9 9:00am - 10:30am Badger Sports Park (3600 Evergreen Dr., Appleton) *Moola Moola Kids’ Club Members Only*
RSVP with child’s name(s) & phone number by Friday, August 1st to either firstname.lastname@example.org or call 920-766-6000
Available at any Unison location.