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October 2018 UECU MemberNews

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*Transactions must be signature-based; PIN-based transactions do not earn VantagePoints™. Points are earned net of credits. Members enrolled in UECU’s E-Statement service earn 1 point for every $1 spent on debit card transactions during the promotional period; those not enrolled in E-Statements earn 1 point for every $2 spent. DOUBLE POINTS for the purpose of this promotion cannot be combined with DOUBLE POINTS earned on the first 30 days after receipt of your new card. Members will earn DOUBLE POINTS 11/22/2018 until 12/31/2018 but this promotion can be terminated at any time. Visit uecu.org for complete VantagePoints™ program details. † Must sign up to earn DOUBLE POINTS during the promotional period. Members may sign-up beginning 11/1/2018 by logging into their UECU account with Advantages Online™ banking to opt-in to the promotion, by calling UECU’s Member Service Representatives during business hours at 800.288.6423, or by completing a sign up form provided by UECU for this promotion to members via email.

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Make a list – To ensure that you don’t miss anyone, make a list of all the people you need to purchase a gift for, include family, friends, teachers, mail carrier, etc.
Set a budget – Avoid overspending by creating a budget and designating a dollar amount for each person on your list.
Research prices online – Before you make any purchases, price check your items online to find the
best deals. Don’t forget about free shipping – these costs can wipe out the savings you received on the items.
Take advantage of higher discounts for Black Friday and Cyber Monday – Check the websites for
your favorite stores to see what deals they will be offering, many stores now offer these specials even earlier.
Use your rewards cards for holiday shopping – Don’t forget to sign up for Holiday Double Points so you can earn double the VantagePoints™ on your UECU Visa® debit and credit card purchases November 22nd – December 31st.
Purchase a gift card for the fussy people on your list – With a Visa® gift card, they can choose what they really want. If you live near UECU’s headquarters in Wyomissing, PA, you can purchase Visa gift cards at the Credit Union. 
Avoid last minute shopping – Procrastination can cost you big time. When you are rushing to find gifts, you may end up spending much more. Try to set up some time leading up to the holidays to shop, set reminders on your calendar and phone.
Adopt a child or family in need for the holidays – Make a donation or give a gift to those less fortunate in your community. Many nonprofit organizations like the Salvation Army even offer options for online donations. Your generosity can make a big difference in someone’s life.
 

2018 Fall Fest

 
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Message from our President
Bret Krevolin
President/CEO and UECU Member

Dear Member,
You may have recently received a communication from the Credit Union about our upcoming card conversion. On October 15, 2018, we will be partnering with a new credit and debit card processor. This new partnership will enable us to continue to provide the highest level of service to our cardholders, with a faster turnaround time for card processing and enhanced card fulfillment services. We are also excited to be able to offer additional options for Card Controls in the near future.

If you have a Visa® Power Card™, Flex HELOC, or Home Equity Visa Platinum Account with multiple cards, you can expect to receive new cards in the mail in October. They will have a sleek new look and the same great benefits. Each cardholder will now have their own unique card number as well. Remember to activate each of your new cards on October 15th so you can continue earning VantagePoints™.  You will also be able to select new PINs when you call to activate your cards. For our cardholders with a single Visa Power Card™, Flex HELOC, or Home Equity Visa Platinum Card, you can continue using your card; however, we’ll be reissuing your PIN. You’ll have the option of keeping your newly assigned PIN or changing it to something you can easily remember on or after October 15th. If you have an Advantages Visa Debit Card™, HSA Visa Debit Card, or a Quick Cash Card, nothing is changing at this time. You can continue to use your existing cards. For more information about your cards, click here.

We’ll be offering the Holiday Double Points promotion again this year for all of our loyal cardholders. You’ll be able to sign up as early as November 1st to receive double VantagePoints™ on your debit and credit card purchases November 22nd – December 31st. So be sure to use your UECU Visa cards for
holiday shopping and select “credit” at checkout to receive your extra reward points. The points add up quickly and can be redeemed for cash back, popular gift cards, or a UECU loan rate reduction.

With the holidays right around the corner, fraudsters will be looking for creative ways to steal your personal information. While we monitor your daily debit and credit card transactions for suspicious activity, you can help minimize your risk of fraud by safeguarding your UECU accounts and cards. Take some extra steps to help protect yourself – consider the card safety tips below.

Thank you for choosing UECU as your trusted financial partner in 2018. We remain committed to providing you with exceptional service, exclusive financial benefits, and empowering you to reach your financial goals in the year ahead. We wish you and your family a safe and happy holiday season.

Sincerely,
Bret Krevolin

 

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Card Safety Tips

  • When you receive a new card, sign the back right away. And, don’t store your PIN in the same location as your card.
  • Protect your account and card numbers by not giving them out over the phone unless you initiated the call. If you receive a suspicious email or text message and the sender requests your account information, don’t respond. Contact the financial institution or merchant to verify that the request was legitimate.
  • Keep your contact information current and opt for paperless statements. You don’t want sensitive information or statements reaching the wrong person because you didn’t update your mailing address.
  • Secure your mobile devices and networks – set up a secure firewall on your computer, download and install software updates regularly, and install antivirus software.
  • Review your daily payments and purchases, and set up alerts for your cards and accounts. Use the UECU Mobile Banking App or Advantages Online™ to monitor your transactions. If something doesn’t look right, contact the Credit Union right away. To set up alerts for your UECU accounts, log into Advantages Online™, select Services, and E-Notifications™.  To set up alerts for your cards, visit uecu.org and click on Visa Purchase Alerts at the bottom of the homepage.
  • If you lose your cards or believe they have been stolen, contact the Credit Union immediately. With the Card Controls service, you can also turn your cards off or on in minutes with your computer or mobile device. To access Card Controls, log into the UECU Mobile Banking App or Advantages Online™.
 
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Get the Best Deal on Your Next Vehicle. Use TrueCar, UECU’s Hassle-Free Online Car Buying Service, and Receive Guaranteed Savings* off MSRP.

Michael Malone
Vice President - Lending

 If you have ever purchased a vehicle, you may know that it’s not always a pleasurable experience. First, you have to determine the type of vehicle you are looking for, whether you want a new or used one, what features you would like included, and how much you can afford to pay. Then comes the negotiation process; how do you know if you are really getting a good deal or not? The dealer may be offering a very attractive payment option, but at a much higher interest rate than the Credit Union, which means it could take much longer to pay off the loan and cost a lot more in the long run. We understand that purchasing a vehicle can be stressful, and that is why we offer our members the hassle-free, online car buying service, powered by TrueCar.  Shop for new and used – choose from thousands of vehicles.

Our car buying service eliminates the negotiation process, and there is no obligation to buy. You can get upfront pricing information from local Certified Dealers in minutes. Plus, you’ll see how those prices compare to the current market. TrueCar shows you what others paid for the vehicle that you are considering – giving you the confidence that Certified Dealer prices are honest and fair. Dealers will also provide you with Guaranteed Savings* off the MSRP for new vehicles in-stock and on the lot.
Credit Union members save an average of $3,383** off MSRP. But the savings doesn’t stop there… Shop TrueCar, Get Pre-Qualified for a UECU Auto Loan, and Receive a Rate as Low as 2.24% APR. †

To Get Started…
1. Research your vehicle – visit www.uecu.org/autoloan
2. Lock in your savings – get a Guaranteed Savings* Certificate
3. Get pre-qualified for a UECU auto loan in minutes – apply online at uecu.org/autoloan or through our mobile banking app
4. Purchase your vehicle – take your certificate to the Certified Dealer and buy your new car

*Guaranteed Savings not available in all states. In these states, a Target Price is shown, which is a market-based example of what you can reasonably expect to pay for your vehicle as configured. Your configured vehicle may not be available or in-stock at the Certified Dealer.
**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, including vehicle specific manufacturer incentives.
†APR=Annual Percentage Rate. UECU’s lowest auto loan rate of 2.24% 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. Certain loan to value, auto model year, and term restrictions apply.

 

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Savings Tip – Earn More Interest. Set Up a CD Ladder. 2018_20mo_cd.jpg

Interest rates are on the rise, and now is an excellent time to take advantage of higher rates on Certificates of Deposit (CDs).  If you are concerned about locking up your money for a long period of time, a CD ladder may be just what you need.  CDs are a great and safe way to save, but CD ladders give you high rates and flexibility that one CD alone cannot.  Make a CD ladder part of your savings plan today!  Call us at 800.288.6423 or visit uecu.org/cdladder to learn more!

*Dividend rate and Annual Percentage Yield (APY) are stated as of 10/1/2018. $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 for 18 months. APY is subject to change and may be withdrawn without notice. Federally Insured up to $250,000 by the National Credit Union Administration.

 

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