Six Flags Hallowfest

sinister halloween jack o lanterns orange sky bat roller coaster
sinister halloween jack o lanterns orange sky bat roller coaster

Six Flags Hallowfest

Have A Spooky Good Time With UCCU And Six Flags

 

Are you ready to be scared? Are you ready to have fun? Are you ready to be scared AND have fun courtesy of UCCU? 

 

You can save over 55% off the main gate price for this year’s Hallowfest at Six Flags when you use the promo code HF02

 

You can also get discounted parking for $20! That’s a $25 value.

 

If you are ready for fun and frights, click below!

®/™ M&M’S, the stylized M, the M&M’S Characters, SNICKERS, the parallelogram design, 3 MUSKETEERS, DOVE, MILKY WAY, and TWIX are trademarks of Mars, Inc. ©Mars, Incorporated 2020. All rights reserved. See credit union for details. Federally insured by NCUA.

Is Now the Right Time to Buy a Car?

Handsome bearded businessman is sitting in a new car in car dealership
Handsome bearded businessman is sitting in a new car in car dealership

Is Now the Right Time to Buy a Car?

Have you been considering purchasing a vehicle? Now could be the right time for you to buy.

 

According to US News, March car sales were off by almost 40 percent compared to the same month in 2019. What does this mean for you? Due to declining sales, dealerships are highly motivated to sell vehicles but you may not necessarily get the deal that is best for you. Our goal is to encourage you to do your due diligence and buy a vehicle that’s best for your lifestyle and budget. To help you make a smart decision, we’re providing a few tips to ensure you’re well-informed.

Know you have choices

Due to dealerships looking to make up for lost sales, they’re offering flashy, headline-making deals. However, once you take a look under the hood, the deals aren’t as great as they seem. For instance, a cash rebate will be a better deal than 0 percent interest when paired with a low-interest loan as it can lower your monthly payment. Therefore, you can take the rebate and finance with United Community Credit Union for your best deal.

 

If the dealership requires you to use their financing, you can finance with the rebate and then refinance your auto loan with us. We will work with you to ensure you receive the best deal on your vehicle. TransUnion reports that car buyers who refinanced their auto loan, lowered their rate by over 2 percent!*

Consider your warranty options

When you’re buying a vehicle, whether new or used, dealers will try to sell you or automatically include add-ins like warranties to your loan. When buying a car, think of how long you plan to own it. If you trade or upgrade your vehicle often, you may not need an extended warranty. Typically, new vehicles come with manufacturer warranties that supersede any extended warranties. This means that your extended warranty has no value until the original manufacturer warranty expires.

 

If you plan on keeping your vehicle for an extended length of time, an extended warranty could be right for you. Compare the costs of the warranties the dealer offers with our warranty options. Our warranties usually lower in cost and have longer terms and more comprehensive coverage than those offered at the dealership.

Watch out for GAP Insurance

GAP stands for Guaranteed Asset Protection. What is GAP insurance? It’s optional car insurance coverage that helps you pay off your auto loan in the event that your car is totaled or stolen, and you owe more than the car’s current value. This helps bridge the “gap” between what you owe and what your insurance is willing to pay. For example, say you owe $25,000 on your car but the actual value is $19,000. If you incur a total loss accident, your insurance will most likely only pay the value amount of 19,000. GAP insurance will pay the $6,000 so you are debt-free.

 

Compare the GAP Insurance from the dealership with what we offer. Dealers often charge each person a different amount. They can set their own prices which are typically very high in comparison to our policies that are reasonably priced and cost the same for each member.

 

If you’ve made up your mind to purchase a vehicle, you don’t have to be intimidated by the dealer. Take control of your car buying journey and get pre-approved with United Community Credit Union. Learn more about our current auto loan offerings and click here. We will help you compare the numbers and guide you to make the best financial decision.

 

*Information was collected for this article from credible.com and US News. Credit Union does not endorse these sites and simply used content for informational purposes only. Federally insured by NCUA.

What You Should Know About the Stimulus Checks

Auditing company. Business woman checking balance. Internal Revenue Service inspects document with laptop computer and calculator, copy space
Auditing company. Business woman checking balance. Internal Revenue Service inspects document with laptop computer and calculator, copy space

What You Should Know About the Stimulus Checks

Over the weekend, President Donald Trump signed a $2 trillion economic relief plan set to provide aid to millions of Americans impacted by the COVID-19 (Coronavirus) pandemic. The package includes stimulus payments for individuals, additional unemployment coverage, student loan relief, and more.

But, what does that mean for you?

Stimulus Payments

Most adults will receive a check or direct deposit. The amount will vary based on adjusted gross income, filing status, and the number of dependents you claim. The amounts will break down as follows:

  • Single adults who made $75,000 or less annually will receive $1,200. If you have qualifying children 16 or under, you will receive an additional $500 per child.
  • Married couples with no children who made $150,000 or less will receive $2,400.
  • Taxpayers who file as the head of household will get the full payment if they earned $112,500 or less.
  • For single adults who make more than $75,000, the payment gradually decreases until it stops all together at $99,000.
  • For married people with no children who make more than $150,000, the stimulus payment gradually decreases until it stops all together at $198,000.

If someone claims you as a dependent – even as an adult – you will not eligible for a relief payment. To see your adjusted gross income, look at Line 8B on your 2019 1040 federal tax return.

 

Most people will receive their payments within three weeks. However, according to the bill, you’ll receive a paper notice in the mail a few weeks after your payment has been distributed. That notice will also contain information about where the payment ended up and in what form it was made.

Additional Unemployment Coverage

 Under the stimulus package, additional unemployment benefits will be extended to people who wouldn’t typically be eligible for unemployment.

 

Typically, self-employed and part-time workers, gig workers, freelancers and independent contractors aren’t eligible for unemployment benefits, but under the stimulus package, those groups will be protected. Benefits will be calculated based on previous income using a formula from the Disaster Unemployment Assistance program.

 

Under the plan, eligible workers will get an extra $600 per week in addition to the state unemployment they are currently receiving. The state unemployment and extra coverage is designed to replace the paycheck that has been lost due to Coronavirus (COVID-19).

Student Loan Relief

 The federal government has already waived two months of interest and payments for student borrowers. There will be an automatic payment suspension until Aug. 30 for any student loans held by the federal government. Older Federal Family Educational Loans, Perkins loans or loans from state or private agencies are not eligible. However, if you have a private student loan, it’s worth asking to see what options are available to you. 

Retirement Accounts

 The stimulus package has also suspended certain retirement account rules for the calendar year 2020. No one will have to take a required minimum distribution from individual retirement accounts or workplace retirement savings plans.

 

If you have an IRA or workplace retirement plan, you can withdraw up to $100,000 without the usual 10 percent penalty as long as the withdrawal is because of the COVID-19 outbreak. The withdrawal qualifies if you, a spouse or dependent tested positive for the virus or you experienced other negative economic effects related to the pandemic. You’ll also be able to spread out any income taxes you owe as a result over a three-year time period from the date of the distribution.

 

You can also borrow from your 401(k) and can take out twice the usual amount. For 180 days after the bill passes, if you provide certification that you’ve been affected by the COVID-19 pandemic, you can withdraw up to $100,000. If you already have a loan and it’s supposed to be repaid before Dec. 31, you get an extra year.

 

We’re facing unprecedented times; the pandemic has touched everyone’s lives in some way. Please know United Community Credit Union is here for you during this time. If you’re experiencing financial hardship due to the Coronavirus pandemic, reach out and talk to us. Let us help you find the option that works best for you. We can get through this together; one step at a time.

Wedding Planning on a Budget

Wedding to do list top view. Present boxes calendar for marriage planning and various bridal stuff on white rustic table. Memmorable date organization background
Wedding to do list top view. Present boxes calendar for marriage planning and various bridal stuff on white rustic table. Memmorable date organization background

Wedding Planning on a Budget

So, you’re engaged! Congratulations! You’re probably over the moon and full of stars in your eyes and have visions of wedded bliss.

You’ve been thinking about this day for as long as you can remember. You’ve got your Pinterest boards, a planning notebook, and you’re ready to hit the ground running. But, have you put a price tag on any of those ideas and visions?

$35,329

That’s the average cost of a wedding in the U.S. And that doesn’t even include the honeymoon! After hearing this sky-high number, you’re probably ready to simplify the process, save money, and elope. However, It’s absolutely possible to have the wedding of your dreams without spending well over what you can afford. Simply prioritizing your must-haves, creating a budget, and allocating your money accordingly will go a long way in planning for the big day.

What’s important to you?

Before you can create a budget, there are a few things you need to decide. First, determine what kind of wedding you want. What do you see when you think of your big day? A country club wedding and reception? An elegant downtown loft? A backyard barbecue?


Once you answer this question, have the budget talk with everyone contributing to the wedding. When you start talking money, make sure you talk about more than the total amount you’ll spend. For instance, break down the wedding budget into categories – ceremony, reception, decorations, etc. – and decide what you’ll spend in each category.


Now that you’ve taken this step, you’ll need to determine the most important and the least important items on your checklist. Is there anything you can cut altogether? Sit down with your fiancé and determine what you both REALLY want and let that vision guide your budget.

Track your spending

First things first, leave some room in your budget. No matter how down-to-the-penny it may be, unexpected expenses are going to pop up. Your budget will evolve over the planning process, so be prepared by giving yourself a little bit of a cushion.


If you Google, “wedding budget worksheet,” you’re going to find a bunch of different options. Find what works best for you. This could look like an Excel spreadsheet, a Google Sheet, or one of the thousands of templates on wedding planning websites. Regardless of your template, tracking your spending throughout the entire process will be imperative. You’ll be able to ensure you’re staying well within the lines of your budget. Plus, it serves as a great guide or list to see what you’ve paid for, how much you’ve paid, and how much you have left to cover.

There are apps. Use them!

There are a few fantastic wedding-related apps that are free or inexpensive. Use them! Most of those sites have the option to create free websites, invitations, and save-the-dates. Get started with these suggestions:

  • ZolaZola has everything you need in one place. They have a great selection of templates for you to design your wedding website for free! Your website is crucial for keeping your loved ones informed by sharing information about travel arrangements and relaying the important details of your day. You can also build your registry, design and order invitations or save-the-dates and manage your guest list.
  • ThumbtackPhotographers, DJs, bands or florists – no matter what service you’re looking for, Thumbtack will have it. This app allows you to browse services in your geographic region to compare prices, check out reviews and even talk directly to the vendor.
  • WeddingHappyAre you a list maker? WeddingHappy is the app for you! It is the ultimate to-do list. It’s a great app that will help you manage your wedding-related tasks, payments coming up and vendors you’re working with.

Your wedding day will be one of the most amazing days of your life! Don’t let money and budget-related stress take that away from you and your significant other. There are a lot of options out there to make this day incredible no matter your budget.


Once you have a set budget, financing your big day might be the best option for you. Talk to us. At United Community Credit Union, we have options like personal loans, lines of credit and low-rate credit cards that could be exactly what you’re looking for. Let us help you make the big day one you’ll never forget!

4 Best Budgeting Apps

Happy young woman wearing blue shirt using mobile phone and smile on street near road in summer day.
Happy young woman wearing blue shirt using mobile phone and smile on street near road in summer day.

4 Best Budgeting Apps

Budget. Did you just get cold chills reading that word? It’s not a popular word, and it’s certainly not a popular idea. Typically, the idea of a budget is enough to take away any sense of fun you have when thinking about spending your money.

But, it doesn’t have to be. There are several benefits to creating a monthly budget.

When you have a budget in place, you instantly:

  • Make your money work for you
  • Assign each dollar in your account a job
  • Gives you 100% control of your money
  • Allows you to track your expenses
  • Relieves some of the stress that finances can bring
  • Helps you create a “safety net”
There are obvious benefits to creating and maintaining a budget, and there are just as many tools to help you budget as there are benefits.

So, where do you start?

First, figure out how much you make each month. Then, figure out how much you spend. Once you figure out what you’re bringing in vs. what you’re spending, you can start creating specific categories for your money. This is where you get to tell your money what to do.

Now, you’ve got a basic budget in place. You know what you’re making, what you’re spending, and your money has a specific goal. But, how do you keep track of all that information in a manageable way?

Budget apps! The great thing about budget apps – not only do they keep track of your budget, but you can take it with you everywhere you go.

Check out some of the best budgeting apps for 2020.

  1. Wally — Get the intimate details of all your financial activity in an easy-to-digest template. Categorize spending destinations, set goals, and create charts. Wally provides you with the full picture of your account in a simple and colorful template. Easy to look at and easy to understand, Wally makes tracking and analyzing your financial habits easy.
  2. Acorns — You know how it’s hard to overcome the mental hump of setting money aside? Well, Acorn removes that struggle from the equation. By rounding up each of your transactions to the nearest dollar, it puts the funds into an investment portfolio. This app looks out for “future you” and makes sure you always have a few acorns hidden away for a rainy day.
  3. Mint – Create budgets, track bills and receive a free credit score when you use Mint. But, it’s the budgeting feature that really makes Mint shine. It allows you to link your credit union, loan and credit card accounts and then uses the information from those accounts to suggest budgets for you based on your spending. Mint takes it a step farther by breaking that spending down into categories like “entertainment,” “food and dining” and shopping. The best part? You’ll be able to see how much you can save by cutting back in each category.
  4. Mvelopes – A popular budgeting method is the envelope system, a style of budgeting, where you put cash in envelopes for different spending categories and when the envelope is empty, your budget category is spent for the month. This is great for people who mind a cash system, but for people who use credit and debit cards, this is challenging. Enter Mvelopes; an app that makes it easy to follow the cash style budgeting in a digital world.
Of course, while you’re downloading apps, make sure you’re using our app. At United Community Credit Union, our app allows you to check your balances, transfer money, check your spending and deposit checks remotely. Still have questions about budgeting and financial planning? Talk to one of our member service representatives and let us help get you on track.

Tips for First Time Homebuyers

Woman Moving Into New Home Talking On Mobile Phone
Woman Moving Into New Home Talking On Mobile Phone

Tips for First Time Homebuyers

Even if you’re not a first-time home buyer, looking for and financing a home can be stressful. When you don’t know where to begin or what to do, it can be even more stressful. We’ve got a few tips for first-time homebuyers to get the most out of your home buying experience.

Determine how much house you can afford and get pre-approved.

When you’re ready to look for your dream home, it’s important to know how much home you can afford. This will narrow down your home search and will give you a realistic view of the types of homes you can buy inside of your price range. You will also avoid the temptation to purchase a home where you’ll struggle to make the payments.

Save up for a down payment.

With such a big purchase, having a down payment to invest in your home is important. A good rule of thumb for a down payment is to save 20% of your mortgage. For instance, if you have a $100,000 mortgage, your target down payment is $20,000.

If 20% of your mortgage doesn’t seem feasible, there are other options for first-time homebuyers that will allow you to save and invest a smaller amount into your mortgage. If you’re wondering how much you need to save to achieve your desired payment, check out a down payment calculator for reference.

Payoff as much debt as possible

One of the factors that will determine your creditworthiness is your debt-to-income ratio. A debt-to-income ratio measures the total amount of debt you’re paying off each month compared to the amount of income you’re bringing in within the same period. If the amount of debt you’re paying off is considerably more than your income, this will negatively impact your credit score. In turn, this will hurt your chances of being pre-approved for and financing a mortgage.

Try at all costs to avoid inquiries on your credit report

When you’re looking to finance your first home, one item that first-time homebuyers seem to overlook is avoiding new lines of credit. For instance, opening a new cell phone line, television service, or even setting up a utility account will all affect your credit score and your inquiries.

Before you buy a house, your focus should be on maintaining and improving your credit score while saving as much as possible for a down payment and closing costs instead of building new avenues of credit.

Buying your first home is no easy feat. When you finance your home with United Community Credit Union, we’re with you every step of the way. Pre-approval has never been easier, and you’ll be well on your way to opening the door to your new home. Start today!

The Benefits of Charitable Contributions

clipboard with empty registration form and charity goods on table
clipboard with empty registration form and charity goods on table

The Benefits of Charitable Contributions

We all know the saying, “It’s better to give than receive.” Giving makes us feel good, right? And we usually don’t think about what’s in it for us.

 

But, what about charitable giving? Depending on the amount of your charitable contributions, you could be in for a sizeable tax benefit. As a matter of fact, if you factor your charitable donations into your budget, it will allow you to be more generous and lead to strategies that could improve your financial planning long term.

 

With tax season just around the corner, let’s take a look at some benefits of charitable giving and what can be deducted.

That altruistic feeling

Whether we donate to them or not, we all have causes near and dear to our heart. If you’re an animal lover, the ASPCA commercials probably tug at your heartstrings. If helping kids is where your passion lies, then charities like St. Jude’s and the Shriner’s Hospital probably resonate with you. Regardless of where your loyalties lie, we all love the feeling of helping other people. Scientific studies have even shown that charitable giving activates pleasure centers in the brain.

Tax benefits

Charitable donation deductions actually allow you to lower the amount of taxable income. Of course, you can’t donate to just any organization. In order for donations or gifts to qualify, they have to be recognized tax-exempt organizations. Typically, religious organizations, veterans’ organizations and community organizations qualify as tax exempt.

 

Have you made any donations to state, federal, or local governments for public purposes, like donating to rehab a public park? You can deduct those donations. You can also deduct any expenses you incur as a volunteer for a qualified organization or if you donate a qualified vehicle.

What does this mean for you?

Let’s be honest. Taxes, deductions, and tax law can be overwhelming and difficult to understand if you don’t speak that language. It’s always a good idea to sit down with a qualified financial planner to come up with a plan for donating to charities. Your financial planner can help you figure out what types of donations work for you and your future plans. They can also help you find organizations that share the same goals and ideals as you. Also, if you want to make charitable giving a recurring activity this year, look at setting aside money in an United Community Credit Union Savings Account. That way, you can save smaller amounts at a time to make it easier to give back vs one lump sum all at once.

 

While you shouldn’t donate funds just for your benefit, if you happen to be donating anyway, there’s no harm in deducting the amount on your taxes. No matter which way you decide to give or which charity you choose, giving back to organizations that do good feels good.

Meal Planning on a Budget

Healthy meal prep containers with quinoa, avocado, corn, zucchini noodles and kale. Takeaway food. Dark background, top view.
Healthy meal prep containers with quinoa, avocado, corn, zucchini noodles and kale. Takeaway food. Dark background, top view.

Meal Planning on a Budget

The beginning of a new year is a great time to change up your diet in a way that fits your budget. Meal planning is popular among those who desire to eat healthy while maintaining a healthy budget. While there are many resources available for recipes, we have a few tips on how to make the most of your meal planning options.

Plan your shopping trips and meals in advance.

Take some time to look at the grocery store circulars or online deals to see what is on sale for the week. Once you know what meats and seasonal fruits and vegetables are being offered at a good price, you can research recipes to maximize your meal planning options for the season. These prices tell you how much they are by amounts so you can compare with your recipes to determine your budget before you’re in the store.

Check out meal planning resources via a Google search and on sites like Pinterest. There are meal preps and plans available from home cooks and more popular sources like Food Network. Be willing to try new recipes and look into meat-free recipes to conserve your funds. There are plenty of cost-effective options that can be a good source of protein.

Choose different recipes with the same meat.

Whether you’re making meals for a family or you’re making lunches for yourself, buying in bulk is always best. If you’ve found a few recipes for chicken that you think you’ll like, buy the chicken in bulk and freeze what you don’t use right away. This will keep your meat fresh and ready for when you’re ready to use it. For example, you could use chicken for the following meal planning recipes:
  • Chicken Burrito Bowls
  • Teriyaki Chicken Bowls
  • Chicken, Broccoli, and Rice
With the money you save on supplies, you will be able to allocate elsewhere for something you want and possibly didn’t have the funds for originally.

There are so many different choices that make meal planning flexible and customizable depending on your particular preferences and tastes. Make sure to mix it up so your tastebuds won’t get bored since this is easy to do with meal prepping.

Choose recipes that require a limited number of ingredients.

It’s easy to get carried away when you’re looking at what sounds and looks good for meals. Make sure to get recipes that have either a limited number of ingredients or items that you need to buy. If you find recipes that have common dried spices that you have in your kitchen, this could work as well and help you branch out and try different recipes and combinations.

Branch out and experiment with flavors that you’re confident will work well together.

Keep track of all your transactions and budget with a United Community Checking Account. Use these tips and tricks and you will be well on your way to being a savvy meal planner that works for your tastebuds as well as your budget.

Which Credit Card Rewards Are Right for You?

A midsection of customer and shop assistant making wireless or contactless payment using credit card in a shop.
A midsection of customer and shop assistant making wireless or contactless payment using credit card in a shop.

Which Credit Card Rewards Are Right for You?

Believe it or not, there isn’t a “one size fits all” credit card rewards program. For every card on the market, it seems like there are a million different ways to earn rewards.

With all the options, the research can be overwhelming and you might not know where to start. We’ve come up with a few ways you can choose the right credit card rewards program.

Is a rewards card right for you?

That’s the first question you need to ask yourself. A rewards card isn’t right for everyone. Here’s a handy checklist to run through to help you decide whether or not a rewards card is a good fit for you:

  • You have a good credit score. Most card issuers are looking for consumers who have a FICO score of at least 670. Of course, a higher credit score will help you get a lower interest rate, but a that mid-600 range will get your foot in the door. FYI, the higher your credit score, the more lucrative rewards programs you’ll have access to.
  • You can pay off your balance every month. Rewards card usually have a higher-than-average interest rate. When you carry your balance over each month, you could end up paying more in interest charges than you earn in rewards.
  • You can maximize the value of your rewards. A rewards card can cost you money if you don’t maximize your reward-earning potential. If you don’t earn enough points, you can actually lose money if your card has an annual fee.

Now that you’ve determined you could benefit from a rewards card, let’s talk about choosing the card with the program that best suits your lifestyle and spending habits.

Choosing the right card

There are three main things to consider when choosing a card: your spending habits, personal preferences and credit score. If you don’t look at your spending habits and personal preferences, you could end up spending a lot of money and racking up rewards that aren’t right for you.

Let’s say you have a large family and your primary expenses are groceries and gas. It would make sense for you to have a credit card that offers bonus rewards on those purchases. But, if you’re single, have a small grocery budget or don’t have a car, those rewards wouldn’t make sense.

Use your cards for everything

The more you use your card, the more rewards points you’ll rack up. But, don’t let that be an invitation to start spending money on things you don’t need. Instead, use your credit card in the place of cash or your debit card whenever possible.

Start looking for everyday situations where you can use your credit card instead of another payment method – gas, groceries, food, etc. But, always make sure you only spend what you can pay off every month.

What if a rewards card isn’t for you?

Rewards cards aren’t for everyone, and there’s nothing wrong with that. Maybe your credit score isn’t in the right range for a rewards card, or maybe you’re not interested in using your card to gain rewards. Maybe you’re looking for a credit card for emergencies only. If that’s the case, we can help you. We have a number of credit card options, and some have super low APRs, great rates on balance transfers and low rates on cash advances.

We can help you find the card for you. Check out our website, stop by and talk to us or give us a call so we can answer your questions.

Budgeting for Healthcare Costs

X-ray picture of a fracture of the hand to the lumen in the damaged plaster arm
X-ray picture of a fracture of the hand to the lumen in the damaged plaster arm

Budgeting for Healthcare Costs

It’s open enrollment season, and most of us are thinking about the best healthcare option for us in 2020. Only one thing is certain when it comes to healthcare: the cost for us to stay healthy is constantly increasing.

When it comes time to choose a plan, there are multiple factors to consider so you can budget wisely.

Choose your plans based on more than the premium

People often select their healthcare plan based on the monthly fee they will pay for coverage each month. However, when you choose a plan based solely on this component, you could end up paying more in the long run. There are several other factors to consider when choosing a healthcare plan that will fit your health as well as financial needs. Factors include:
  • copayment (flat dollar amount you pay when you need care)
  • deductible (the amount you must pay before the insurance begins to pay)
  • coinsurance (the percentage of allowed charges for covered services that you’re required to pay)
  • maximum out-of-pocket costs (the maximum amount you will pay for services).

Take previous health history into account

You can’t predict the exact amount of insurance you or your family will need. But you can take your past medical history and family medical history into account when you’re selecting a plan.

By taking these factors into account, you should be able to get in the ballpark of the amount of coverage you’ll need, barring no serious medical emergencies.

Choose wisely

When you’ve signed on for healthcare coverage and the open enrollment period passes, you aren’t able to change your plan during the year unless you experience a big life event. Healthcare.gov describes a big life event such as marriage, having a baby, or losing your other healthcare coverage. If you experience one of those situations, you can amend your plan outside of open enrollment. Because of this, it’s important to choose a plan that works best for your health as well as your budget.

Plan ahead

While healthcare coverage can be good to have when it comes to covering medical expenses, it never hurts to have extra funds. Before an unexpected medical expense arises, plan ahead and set aside some money every month in a savings account. Anything you can stow away for a rainy day will be helpful when the time comes to use those extra funds. United Community Credit Union is here to help. Talk to one of our Member Service Representatives today about setting up a savings account and be prepared.

Like most things in life, there’s no one-size-fits-all health insurance plan. You have to choose the best one for you and your budget.

*** This blog was written for financial purposes and not written by a healthcare professional. This article should not be taken as medical advice.