Lock in The Best Choice!

woman in front of white wall man in front of blue wall painting
woman in front of white wall man in front of blue wall painting

Lock in The Best Choice!

With changes around every corner, we often wonder whether we’ve made the right choices. Did we get a great deal? Could there have been a better solution? These questions make you second guess your decisions and choices made. But it doesn’t have to be that way. Take, for example, loan interest rates. We’ve seen rates vary frequently over the last year and there are more changes on the horizon. UCCU is here to help you make the best choice.

If you’re a homeowner, you have access to an unbelievable option through the use of your home equity. This allows you to open a home equity loan or home equity line of credit (HELOC). Featuring some of the lowest rates around, these are your tools to make the right decision. From home improvements, consolidating all your other debts, or even making a large purchase a home equity option is the best choice for a low payment and lower rate.

APR = Annual Percentage Rate. Rates subject to change. Must meet credit union lending guidelines. See credit union for details. This credit union is federally insured by the National Credit Union Administration and is an Equal Housing Lender.

Less Is More!

black truck in the snow
black truck in the snow

Less Is More!

You know the saying – “Sometimes, less is more.” Often, that rings true. At United Community, we like to give our members more and understand sometimes that means taking less. Especially when we are talking about your car or truck loan payments.

That’s why when you refinance your current, external auto loan with us, we’ll give you less. Less of a payment that is!

Compare the average payments given by dealerships or banks. The average loan for a 2020 Ford F-150 would be upwards of $767.23 per month*. That same loan at United Community could cost you about 2% APR less with a payment of $725.49!

We think in this case you’ll find that less really is more! Make the switch and get the payment you truly deserve today.

*Illustrative purposes only based upon average used vehicle financing rates and cost of model year vehicles found at motorandwheels.com/how-much-do-used-ford-f150-cost-with-10-examples and nerdwallet.com/article/loans/auto-loans/average-car-loan-interest-rates-by-credit-score posted 11.10.22. Payment for educational purposes only. Not all members may qualify. Offer excludes current zero percent financing. Rate given will be higher of 2% less than current, external rate or lowest base rate offered. Must meet credit union lending guidelines. Floor rate is 3.99% Annual Percentage Rate (APR). Qualified applicants earn a rate of 3.74% up to 84-month term with automatic payment via payroll deduction, automatic transfer, or ACH payment. Rates subject to change without notice. Some conditions apply. Existing UCCU loans do not apply. Federally insured by NCUA.

Something To Sing About

group of friends singing
group of friends singing

Something To Sing About

A wise man once sang, “you can’t always get what you want.” However, we’re guessing that man wasn’t a UCCU member! Because at UCCU, whatever you want us to be, we will try to be what you need! A place for your hard-earned cash? We can be that! A partner in reaching your financial goals? We can be that! A community-oriented home for your financial needs? We can be that! With so many services and products, it makes you want to sing “I want it all!”
 
Being a UCCU member is definitely something to sing about and to show you how much we want you to want us, we’re making things even more melodic. No, there’s no karaoke contest, but what about Visa® Gift Cards? Monthly, we’ll be giving away four $25 Visa® Gift Cards to lucky new members, and quarterly, we’ll be giving away three $100 Visa® Gift Cards!*

Don’t you want to break up with your bank? If so, tell us what you want, what you really really want, and we can help you achieve it. Say “zig-a-zig” and join UCCU today!

* No purchase necessary. Must be a UCCU member to enter. Entries accepted during promotion runtime of 01.01.23–12.31.23. New members who join UCCU gain one automatic entry. Max one entry per member. Winner to be selected after last day month and quarter of promotional runtime from entries collected. Some restrictions may apply. Must not have had UCCU in prior 6 months to qualify. Alternate second drawing entry method: Send a postcard to 1001 Vermont Quincy, Illinois 62301. The credit union reserves the right to change, alter, modify, or cancel this promotion at any time. See credit union for full details and official rules. Federally insured by NCUA. Official Rules: Must be a member to enter. Four (4) monthly prizes with retail value of $25.00 and three (3) quarterly prizes with a retail value of $100.00 to be awarded. No purchase or payment of any kind is necessary to enter or win. A purchase will not increase your chances of winning. Promotion begins at 9:01:01 a.m. CT on 01/01/23 and ends at 3:59:59 p.m. CT on 12/31/23. Must be eighteen (18) years old or older at the time of entry. Must be a member of the credit union to enter. Void where prohibited. Odds of winning depend on the total number of eligible entries received. Incomplete or inaccurate entries are void. During the promotional period, there are two ways to enter: 1) Automatic entry by opening new UCCU membership and/or 2) Mail-in: To receive one (1) entry without a purchase write your complete name, mailing address, day time phone number (with area code) and date of birth on a 3” x 5” postcard and mail postcard entry to: United Community CU 1001 Vermont Quincy, Illinois 62301. Entries must be postmarked by 12/15/23 and received by 12/31/23 to be eligible. Max number of entries of one (1) for UCCU membership or postcard. Monthly prize drawings will be held monthly from prior months entries. Quarterly prize drawings to be held quarterly from prior quarter entries. Winners will be announced via social media or email communications. Potential winner will be notified through an email direct message or at the phone number provided. If unable to contact the potential winner or a potential winner is not in compliance with these Official Rules, prize will be forfeited, and an alternative winner will be selected. Sponsor: United Community CU 1001 Vermont Quincy, Illinois 62301. The Sponsor is not responsible for the printing of or typographical errors in any Contest-related materials; for stolen, lost, late, misdirected, damaged, incomplete, illegible, or postage-due mail or entries; or for transactions that are processed late or incorrectly or are lost due to computer or electronic malfunction. The Contest sponsor reserves the right to withdraw or terminate this promotion at any time, without notice. UCCU board members, employees, and their immediate family members are not eligible to win.

Mobile Deposit

person taking a picture of their check with their phone
person taking a picture of their check with their phone

Mobile Deposit

We’ve all been there. You have meetings, appointments, and family needs but there’s also that check you’ve been holding on to that you NEED to deposit. In short, it feels like your to-do list is consuming you…literally. You should be able to find the time but unfortunately, you’re booked solid.

With all of these errands sticking around, how could you possibly make time to get to the branch to make the deposit? 

Now, you don’t have to! Sign, snap, and problem solved.

With our Mobile Check Deposit, you can deposit your checks directly from your phone. Simply log into mobile banking and follow the prompts. You’ll be done in a matter of seconds.

  • Take your check and:
    Sign the back and write ‘For Remote Deposit UCCU’.
  • Snap a photo. Using your camera, snap a photo of the front and back
  • Problem solved. Select the account you want the check deposited into.

It’s really that easy and quick. Try it today!

 

Click here for step-by-step instructions on Mobile Check Deposit.

Federally insured by NCUA.

Celebrate Good Grades

girl celebrating surrounded by a
girl celebrating surrounded by a

Celebrate Good Grades

A celebration to last the whole year, or at least the whole school year. That’s because, once again, we’re paying your student for their good grades. When you bring their report card to us, we’ll give them $2 for every A!

So, bring your good times, your laughter too, and oh, don’t forget the report card. When your student is learning, making good grades, AND getting paid for them? That’s cause for a celebration!

*Maximum $10 deposit for each report card. Bring in your report card each quarter within 2 weeks of the issue date. The teller will make a copy of your report card and the funds will be deposited into your UCCU savings account within 14 days. Open to all students enrolled in grades K–12. To be eligible, the student must have an account at UCCU. See back for form. See credit union for details. Federally insured by NCUA.

The United Community Scholarship Is Back!

girl in library smiling
girl in library smiling

The United Community Scholarship Is Back!

Getting an education is important, but college can be oh-so expensive. That’s where we come in! United Community wants to help YOU with the costs of college.

 

In 2023, United Community will be awarding three graduating seniors with scholarships. One graduating senior will be awarded a $1,000 scholarship and two graduating seniors will be awarded with a $500 scholarship.*

 
Applications must be submitted by March 31st, 2023.

*Students applying MUST be members of UCCU in good standing for at least one year and be high school seniors or current college students at the time of application; attending a two- or four-year college, university, or vocational-technical school during the 2023–2024 school year. If a potential candidate is not an established member of the credit union but one or both parents are, they may join UCCU and become a candidate. Employees of UCCU, Credit Union Board of Directors, and their immediate family members are not eligible for this scholarship. See credit union for details. Federally insured by the NCUA.