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UECU's April 2018 MemberNews



*Between 7/1/17 and 9/30/17, the average savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who configured virtual vehicles and who TrueCar identified as purchasing a new vehicle of the same make and model listed on the certificate from a Certified Dealer as of 10/31/2017, was $3,383. **APR=Annual Percentage Rate. UECU’s lowest auto loan rate of 1.99% APR is based upon an evaluation of credit-worthiness criteria, maintaining an active UECU checking account (at least one transaction per month), and purchasing a vehicle through a Certified TrueCar Dealer. Rate quoted for a 36-month term; your actual rate may differ. Limited time offer. Offer is subject to change without notice.  Rate quoted is for new loans only; refinancing of existing UECU auto loans are not eligible. Certain auto model year and term restrictions apply. †Member Discount represents the difference between MSRP and the pricing that may be available to users of Utilities Employees Credit Union’s Car Buying Service from Certified Dealers prior to the application of manufacturer incentives. Example Pricing shown is illustrative only. You will receive your actual Member Discount when you obtain pricing information from Certified Dealers through the Utilities Employees Credit Union’s Car Buying Service. Vehicle Imagery licensed from EVOX Images.


*Dividend rate and Annual Percentage Yield (APY) are stated as of 3/21/2018. $500 minimum deposit required to open account. You may not make additional deposits after the account is opened. APY assumes principal and dividends remain on deposit until maturity. A penalty is imposed for partial or full withdrawals prior to maturity. Fees could reduce earnings on the account. Certificate renews automatically. APY is subject to change and may be withdrawn without notice.

Krevolin_small.jpgMessage from our President
Bret Krevolin
President/CEO and UECU Member

Dear Member,

Now that spring has arrived and the weather has finally begun to warm up – it’s the perfect time of the year to set some new fitness goals for yourself. If you are like me, you may be planning on walking or running more, or just getting outdoors to take advantage of the fresh air. While these things are essential to your physical health, it’s also important to take additional steps to strengthen your financial fitness.

For 2018, I challenge you to set two new savings goals. Think about what you want to achieve this year – establishing an emergency fund, saving for your dream vacation, cutting down on expenses, etc. Once you have this goal in place, take a step back and look at your overall financial picture. Think about what you want to accomplish over the next 5 to 10 years, possibly paying off your mortgage, increasing your retirement savings, or paying for your child’s college education. Now, write down your goals. From time to time look at them again and assess the progress that you’ve made. If you happen to veer off course for a little while, this can help you get back on track again. 

Making life changes and working towards reaching your financial goals isn’t always easy and can sometimes feel impossible, but please know that we are here to help. As your trusted financial partner, we are committed to helping you get to where you want to be. We continuously review our products, services, and rates to ensure that we are providing our members with the very best financial solutions. Our competitive savings rates can help you build your nest egg quickly – UECU members now earn savings rates higher than the national average – 6 times more on basic savings accounts and 10 times more on interest checking accounts (according to on 3/13/2018).     

At UECU, we offer an array of savings options because everyone’s financial situation is different. Our Advantages Money Market Savings™ Accounts and Rewards Checking PLUS Accounts allow you to earn a high rate of interest while providing easy access to your funds. With an Advantages Certificate of Deposit™, you have the freedom to pick the term and the amount you want to invest. We even added a special savings calculator on our website,, so you can see how much interest you could potentially earn with our new, higher CD rates. If you are interested in maximizing your retirement savings, we also offer Traditional and Roth IRAs, as well as IRA Certificates of Deposit. Additionally, you have access to financial planning services with Utilities Employees Investment Services (UEIS)** and Cetera Investment Services LLC. The UEIS advisors are available for one-on-one complimentary consultations, in-person, by phone, or video conference. They can help you develop, implement, and monitor an investment strategy that is customized for your individual retirement goals.

Now it’s time to get started – set your savings goals, make a plan, and save! If you’re still not sure how to begin or which savings alternative may be right for you, contact our Member Service Team, they are available by phone or Live Chat. If your goals for 2018 include paying down high-interest debt, reach out to a UECU Financial Services Consultant – they can help you determine the ideal debt consolidation option.  No matter what your goals may be, or what challenges you experience, we’re here for you every step of the way!

**Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Advisory services are only offered by Investment Adviser Representatives. Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency. Located at 11 Meridian Blvd., Wyomissing PA 19610  (800)-288-6423

mike-malone.jpgMaking an Educated Loan Decision
Michael Malone
Vice President - Lending

A college education can open doors to job opportunities, but it can also come with a hefty price tag. Whether you are attending classes now, recently graduated, or received your degree years ago, UECU can help you save on educational expenses. With our Student Choice education solution you can get the funding you need and save with our competitive student loan rates. As a not-for-profit lender, UECU offers affordable loan options for private, undergraduate loans, as well as student loan refinance/consolidation.

Private, Undergraduate Loan benefits include:

  • Zero origination or prepayment fees
  • Lower interest rates
  • Simple one-time application; convenient line of credit structure that lets you apply once and secure financing for your entire college career (subject to qualification and annual credit review)
  • Deferment of principal and interest while in school
  • Flexible repayment terms including graduated repayment for two years

If you have already graduated and you are making multiple loan payments each month, we can help make repayment less stressful. With our Student Choice Refinance solution, you can refinance and consolidate your existing student loans into one convenient loan. Plus, our student loan consolidation rates are low to help you save even more and potentially pay off your loans faster. 

Refinance/Consolidation Loan benefits include:

  • The ability to consolidate your private and federal student loans, including parent PLUS loans
  • New lower rates and a .25% discount with optional autopay         
  • Variable and fixed rate options
  • Flexible terms – 5, 10, and 15 years
We invite you to visit our Student Choice website, where you can find rate information, online applications, free webinars, helpful tips for college planning and applying for financial aid, the iGrad money and loan management tools and more! To get started, visit
All loans are subject to approval; certain restrictions apply. If you refinance, you may lose certain borrower benefits from your original loans if they were offered, for more information, visit


Students who are UECU members could win a $2,000 Prize!

For the 2018 scholarship contest, UECU will award a $2,000 prize to the student who has made a difference in their community by helping others. If you have done volunteer work or completed a community service project in 2017 or 2018, you are eligible to participate. To enter, send a digital photo or video of your volunteer/service activity along with a brief explanation of how you made a difference in your community to UECU by May 7, 2018. If you submitted a scholarship entry to UECU in 2017, you cannot resubmit the same entry for the 2018 Scholarship Contest. For more information, visit


UECU welcomes our newest SEG/partner companies! Employees are now eligible for the UECU Benefit – Exclusive Rewards, Exceptional Loan & Savings Rates, and 24/7/365 Online and Mobile Banking Services!

C&S Wholesale Grocers         Carim Eye & Retina Center LTD       City of Simpsonville, SC
Interstate Container, LLC         National Properties Inc.                The Loomis Company
Wellhead Services, Inc.        

Yergey, Daylor, Allebach, Scheffey, Picardi Law Offices

Don’t miss out! Schedule an on-site or virtual visit now! Our representatives can travel to your location(s) to share the benefits of credit union membership, present a financial wellness topic, or meet with employees one-on-one. Offsite virtual options are also available as well. For details, contact Yvonne Paegel at 800-288-6423, ext. 4018 or


*Activ. Fee: Up to $30/line. Credit approval req. Sprint Credit Union Member Cash Rewards Offer: Offer Ends 12/31/2018. Avail. for eligible credit union members and member employees (ongoing verification). Tax ID req. to establish business acct. Switch to Sprint and receive a $100 cash reward for each new smartphone line activation. Reqs. port-in from an active number (wireless or landline). Existing customers receive a $100 cash reward for each new smartphone line activation and/or a $50 cash reward for each smartphone line transferred to program. New lines req. activation at point of sale. Max 15 lines. Sprint acct must remain active and in good standing for 31 days to receive Cash Reward. Excludes MBB devices, tablets and Sprint Phone Connect, upgrades, replacements and ports made between Sprint entities or providers associated with Sprint (i.e. Virgin Mobile USA, Boost Mobile, Common Cents Mobile and Assurance.) May not be combinable with other offers. $50 Loyalty Cash Reward: Members can earn one $50 cash reward annually when Sprint acct remains active and in good standing for 1 year. Max 15 lines. Cash Reward: Cash Reward issued by CU Solutions Group. Allow 6-8 wks for Cash Reward to be deposited to your Credit Union acct. If the Cash Reward does not appear after 8 wks, visit Other Terms: Offers/coverage not avail. everywhere or for all phones/networks. May not be combinable with other offers. Offer, terms, restrictions, and options subject to change and may be modified, discontinued, or terminated at any time without notice. Restrictions apply. © 2016 Sprint. All rights reserved. Sprint and the logo are trademarks of Sprint. Other marks are the property of their respective owners.