12/1 Black Friday Loan Deals Winners

The following winners of the 12/1 daily random drawings have been notified via email. Please call (800) 453-8188 if you have any questions.

Auto 0.99% APR

  • Michelle W. – Salem
  • Michael T. – Lehi
  • Angela F. – Orem
  • Justin T. – Orem
  • Nathan W. – Springville

AUTO 1.99% APR

  • Mikaela B. – Star Valley Ranch
  • Chanieca M. – Springville
  • Christian H. – South Jordan
  • Elizabeth S. – Saratoga Springs
  • Stacy C. – Orem
  • Daniel D. – Orem
  • Ron D. – Provo
  • Adam P. – Heber City
  • Brett B. – Lehi
  • Joseph M. – Orem
  • Lorie B. – Alpine
  • Jordan W. – Santaquin
  • Lise H. – Lindon
  • Trinity O. – Lindon
  • Christopher K. – Elkridge
  • Tyler C. – Salt Lake City
  • Brett F. – Ogden
  • Judson G. – Provo
  • Melinda W. – Cedar Hills
  • Roberta B. – American Fork

AUTO No Payments for First Three Months

  • Jeff D. – Payson
  • Dustin R. – Sandy
  • Kyle A. – Orem
  • Marilyn J. – Delta
  • James C. – Alpine
  • Matt S. – Layton
  • Karissa P. – Eagle Mountain
  • George R. – Salt Lake City
  • Stephen G. – Provo
  • Brady G. – Bluffdale
  • Bailey N. – Roy
  • Jordan J. – South Weber
  • Jennie H. – Lehi
  • Jordan O. – Provo
  • April W. – Spanish Fork
  • Monika M. – Payson
  • Dale L. – Heber City
  • Breanna O. – North Salt Lake
  • Kaden H. – Saratoga Springs
  • Mark G. – Orem

Credit Card 3% Cash Back Balance Transfer

  • Fiston K. – Orem
  • Kenneth S. – Springville
  • Andrea R. – Orem
  • Christine W. – Payson
  • Ruben T. – Springville
  • Lyndsie M. – Lehi
  • Chad D. – Eagle Mountain
  • Davis A. – Orem
  • Kristoffer B. – Sandy
  • Elaine H. – Provo
  • Lori S. – Syracuse
  • Jeanpierre V. – Midvale
  • Kelley W. – Springville
  • Christi A. – Orem
  • Scott H. – Bluffdale
  • Rain J. – Lehi
  • Jeff B. – Eagle Mountain
  • Cheryl G. – Pleasant Grove
  • Johnny P. – Ogden
  • Randall J. – Lindon
  • RaviShanker B. – Sandy
  • Marcella C. – Orem
  • Jeff M. – Sprinville
  • Linda S. – Spanish Fork
  • Matthew K. – Eagle Mountain

Home Equity 0.99% APR Fixed for 6 Months, 4.50% Variable Thereafter

  • Marcene Z. – Mapleton
  • Marylee T. – Highland
  • Ken C. – Pleasant Grove
  • Francisco A. – Lehi
  • Dayna C. – Midway
  • Brian W. – Vineyard
  • Sean M. – Pleasant Grove
  • Rachel H. – Woodland Hills
  • Jessie L. – Lehi
  • David K. – Highland
  • Audrey M. – Provo
  • Brad W. – Provo
  • Lana P. – Salem
  • Loni H. – Layton
  • Emily M. – Sandy
  • Karen B. – Santaquin
  • Jody H. – Mapleton
  • Chris P. – Cedar Hills
  • Charles A. – Saratoga Springs
  • Leslie B. – Spanish Fork
  • Kristine M. – Orem
  • Heather C. – Saratoga Springs
  • Heidi M. – Ogden
  • Ambur B. – Spanish Fork
  • Karen C. – Lehi

Personal Loan 4.99% APR

  • Wendi W. – Lindon
  • Carlin H. – Saratoga Springs
  • Annie W. – Springville
  • Heidi P. – Lehi
  • Tairsa M. – Orem
  • Yuliya K. – Saratoga Springs
  • Catherine T. – Orem
  • Tricia M. – American Fork
  • Marvena W. – West Jordan
  • Heather W. – Eagle Mountain
  • Kaylan C. – Logan
  • Jamie R. – Bluffdale
  • Eric A. – Orem
  • Elaine K. – Lehi
  • Cristie C. – Provo
  • Joseph A. – Provo
  • Wayne N. – Pleasant Grove
  • Tyler C. – Provo
  • Melanie H. – Elkridge
  • Robert M. – Payson
  • Darin T. – Midvale
  • Scott S. Orem
  • Douglas H. – Spanish Fork
  • Rameshbabu M. – Sandy
  • Maren A. – Provo

Mortgage Free Home Inspection

  • Tracy L. – Elkridge
  • Eve Y. – South Jordan
  • Roy M. – American Fork
  • Gustavo L. – Provo
  • Douglas P. – Provo
  • Claudia S. – Provo
  • Kiz L. – Springville

Mortgage $2500 RC Willey Shopping Spree

  • Roy S. – Springville
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11/30 Black Friday Loan Deals Winners

The following winners of the 11/30 daily random drawings have been notified via email. Please call (800) 453-8188 if you have any questions.

AUTO 1.99% APR

  • Jeff S. – Buford, GA
  • Brook P. – American Fork
  • Jennifer R. – Saratoga Springs
  • Bryce S. – Heber
  • Jacob G. – Orem
  • Jessica J. – Heber City
  • Roland A. – Saratoga Springs
  • Laura J. – Orem
  • Sarah T. – Pleasant Grove
  • Brittany R. – Midvale
  • Torri B. – Orem
  • Brent S. – Morgan
  • Conner D. – Orem
  • Tyler H. – Herriman
  • Danyelle H. – Fruit Heights
  • David W. – Tooele
  • Cindy B. – Lehi
  • Jessica P. – Orem
  • Vijay M. – South Jordan
  • Blaine W. – Pleasant Grove

AUTO No Payments for First Three Months

  • Steven M. – Provo
  • Greg J. – Spanish Fork
  • Emily S. – South Jordan
  • Derek M. – Orem
  • Kelly N. – Springville
  • Tammy H. – Herriman
  • Jessica C. – Lehi
  • Rajeev K. – South Jordan
  • Ailana M. – Provo
  • Andrew M. – America Fork
  • Arturo D. – Pleasant Grove
  • Miranda I. – Lehi
  • Nakhorn C. – West Valley City
  • Julie M. – Orem
  • Roberto S. – Spanish Fork
  • Rebeca H. – Orem
  • Carli A. – Lehi
  • Masami C. – Orem
  • Hannalo R. – Orem
  • Jeremiah M. – Cedar Hills

Credit Card 3% Cash Back Balance Transfer

  • Colin H. – West Jordan
  • Jonny B. – Lindon
  • Brad S. – Spanish Fork
  • Esteban M. – Provo
  • Jeffery B. – Provo
  • Mary G. – Orem
  • Richard T. – Elk Ridge
  • John R. – Lehi
  • Eldon G. – West Valley City
  • Stephanie C. – Vineyard
  • Evelyn C. – Lehi
  • Janine G. – Provo
  • Hayley S. – Lehi
  • Teancum S. – Orem
  • Chad B. – Spanish Fork
  • Jeremy P. – Heber City
  • George B. – Orem
  • McKayla G. – Cedar Hills
  • Austin H. – Provo
  • Julie B. – Springville
  • Corey W. – American Fork
  • Yong S. – Herriman
  • Jennifer A. – Orem
  • Elaine M. – Provo
  • Harley M. – Spanish Fork

Home Equity 0.99% APR Fixed for 6 Months, 4.50% Variable Thereafter

  • A-Hsuan S. – Orem
  • Patricia K. – Lindon
  • Wayne M. – American Fork
  • Mark S. – Mapleton
  • John E. – Lindon
  • Phillip N. – Highland
  • Taylor O. – North Salt Lake
  • John V. – West Jordan
  • Bryce M. – Herriman
  • Tonya M. – Lehi
  • Jeff H. – Orem
  • Debra T. – American Fork
  • Gary L. – Orem
  • Alma H. – Mapleton
  • Troy B. – Salem
  • Rob W. – Orem
  • Tayler L. – Bluffdale
  • Maria T. – Provo
  • Rosa S. – Orem
  • Jorden Y. – Orem
  • Robert F. – Salem
  • Sherol F. – Lindon
  • Marc W. – Lehi
  • Kortney S. – Stansbury
  • Howard S. – American Fork

Personal Loan 4.99% APR

  • John S. – Payson
  • Kirkham P. – Provo
  • Ward F. – Goshen
  • Julianna A. – Orem
  • David A. – Payson
  • Rob L. – American Fork
  • Hani P. – Sandy
  • John P. – Sandy
  • Wendi C. – Clearfield
  • Raquel P. – Highland
  • Jailyn E. – Saratoga Springs
  • Ashely N. – Lehi
  • Jessica S. – Orem
  • Kenyan G. – Provo
  • Amy D. – Heber
  • Lorna L. – Provo
  • Karl P. – American Fork
  • Teresa W. – Rock Springs, WY
  • Madison B. – Lehi
  • Monica S. – Saratoga Springs
  • Carrie C. – Saratoga Springs
  • Guy L. – Provo
  • Denmark J. – Pleasant Grove
  • Maria C. – Provo
  • Sharon W. – Alpine

Mortgage Free Home Inspection

  • Bruce B. – Highland
  • Marguerite T. – Springville
  • Kristine P. – Spanish Fork
  • Margaret L. – Provo
  • Melanie M. – Salt Lake City
  • Manuel M. – Provo
  • Breanna O. – North Salt Lake
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11/29 Black Friday Loan Sale Winners

The following winners of the 11/29 daily random drawings have been notified via email. Please call (800) 453-8188 if you have any questions.

AUTO 1.99% APR

  • Travis Y. – Lehi
  • Doug G. – Eagle Mountain
  • Theron S. – Highland
  • Cadi H. – American Fork
  • Natasha L. – Pleasant Grove
  • Shane W. – Lindon
  • Emily B. – Provo
  • David O. – Orem
  • Brent C. – Mapleton
  • Michael T. – American Fork
  • Shari Y. – Spanish Fork
  • Steven F. – Provo
  • Paula A. – Orem
  • Jeff T. – Orem
  • Cameron W. – Springville
  • Mauri B. – Santaquin
  • Samantha W. – Orem
  • Aaron M. – Orem
  • Julie B. – Orem
  • Jenalyn E. – Highland

AUTO No Payments for First Three Months

  • Paul N. – Orem
  • Michael M. – Morgan
  • Camille T. – Layton
  • Curtis C. – American Fork
  • James L. – Wellsville
  • Blain B. – Heber City
  • Carl H. – Orem
  • Jacque J. – South Weber
  • Jacob P. – Provo
  • Adam C. – Provo
  • Erasmo F. – Eagle MOuntain
  • James H. – Saratoga Springs
  • Jared C. – Provo
  • Roee L. – Park City
  • Charles K. – Sandy
  • Andres S. – Orem
  • Rosy L. – Orem
  • David O. – Spanish Fork
  • Eduvijes P. – Heber City
  • Ricardo H. – Salt Lake City

Credit Card 3% Cash Back Balance Transfer

  • Addie W. – Overland Park
  • Sara S. – Midway
  • Scott L. – Vernal
  • Ethan W. – Orem
  • Devin M. – Orem
  • Jana J. – Pleasant Grove
  • Paula F. – Finchville
  • Connie C. – Payson
  • Larry B. – Orem
  • Andrew H. – Cedar Hills
  • Matthew R. – Bluffdale
  • Sam G. – Spanish Fork
  • Douglas L. – Provo
  • James S. – Orem
  • Andrew H. – Elkridge
  • Jaden W. – Herriman
  • Rogelio G. – Provo
  • Catherine H. – Derry
  • Aubrey J. – Nephi
  • Gera T. – Orem
  • Anthony Todd F. – Springville
  • Ross M. – Cedar Hills
  • Brandon C. – South Jordan
  • Franklin A. – Provo
  • Emma S. – Lehi

Home Equity 0.99% APR Fixed for 6 Months, 4.50% Variable Thereafter

  • Barbara S. – Woodland Hills
  • Ken G. – Orem
  • Melissa H. – Salem
  • Kyle M. – Provo
  • John M. – Springville
  • Louise H. – Orem
  • Daryl G. – Highland
  • Whitney V. – Provo
  • Perry C. – American Fork
  • Emily J. – Draper
  • Corin O. – Lehi
  • Ben K. – North Ogden
  • Lynette M. – Lehi
  • Scott M. – Orem
  • Naomi B. – Santaquin
  • Kammi P. – Eagle Mountain
  • Spencer P. – West Jordan
  • Lee F. – Lindon
  • Erin D. – Lehi
  • Joe T. – Provo
  • Sharon D. – Kamas
  • Kristina C. – Spanish Fork
  • Seth H. – Ogden
  • Rose B. – Provo
  • Monelynn H. – Salem

Personal Loan 4.99% APR

  • Nathan H. – Orem
  • Cory T. – Lehi
  • Connie R. – Saratoga Springs
  • Katrina S. – Payson
  • Demarie D. – Elkridge
  • Cindy G. – Provo
  • Jessica B. – Hollada
  • Sean S. – Lehi
  • Alison S. – Provo
  • Kathy C. – Payson
  • Carlos N. – Spanish Fork
  • Brent P. – Pleasant Grove
  • Sandra C. – Salt Lake City
  • Jose S. – Springville
  • Cherie J. – Provo
  • Thomasina T. – Orem
  • Jason C. – American Fork
  • Daron H. – Genola
  • Dan C. – Orem
  • Rolf P. – Spanish Fork
  • Kathy V. – Taylorsville
  • Jessie S. – Orem
  • Percy B. – Orem
  • Abby G. – Eagle Mountain
  • Steven W. – South Salt Lake

Mortgage Free Home Inspection

  • Claudia S. – Provo
  • Jayden W. – Eagle Mountain
  • Lucinda E. – Payson
  • Matthew B. – Saratoga Springs
  • Allison B. – Taylorsville
  • Saurabh P. – South Jordan
  • Greg H. – Pleasant Grove
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11/28 Black Friday Loan Deals Winners

The following winners of the 11/28 daily random drawings have been notified via email. Please call (800) 453-8188 if you have any questions.

AUTO 1.99% APR

  • Sergio D. V. – Payson
  • Gemma G. – Payson
  • Stephen J. – Fillmore
  • Rebecca J. – Eagle Mountain
  • Emir Z. – West Jordan
  • Sarah T. – Provo
  • Keira C. – Spanish Fork
  • Stephanie B. – Provo
  • Camille P. – Saratoga Springs
  • Ransom C. – Provo
  • Sam R. – Provo
  • Melanie P. – Pleasant Grove
  • Ronald E. – Provo
  • Jillian B. – Pleasant Grove
  • Hilary G. – Orem
  • Ashlyn U. – Orem
  • Celeste N. – American Fork
  • Alexis J. – Salem
  • HaLee B. – Bluffdale
  • Julie H. – Lehi

AUTO No Payments for First Three Months

  • Steven J. – Midvale
  • Cassidi B. – Heber City
  • Danielle G. – Bluffdale
  • David L. – Orem
  • Brett S. – Provo
  • Jenna B. – Highland
  • Bob A. – Herriman
  • Nikki S. – Payson
  • Elise K. – Eagle Mountain
  • Tiana D. – Heber City
  • Adam M. – Provo
  • Julie G. – Mapleton
  • Sergio F. – Orem
  • Darren H. – Mapleton
  • Ravi V. – Salt Lake City
  • Rodney T. – Spanish Fork
  • Steve C. – Springville
  • Lane A. – Saratoga Springs
  • Lauren W. – Spanish Fork
  • Claudia O. – Spanish Fork

Credit Card 3% Cash Back Balance Transfer

  • Corry O. – Pleasant Grove
  • Cristobal V. – Springville
  • Gayle V. – Spanish Fork
  • Emily S. – Draper
  • David M. – Orem
  • Kiara A. – Orem
  • Anna W. – Provo
  • John H. – Eagle Mountain
  • Claudia A. – Provo
  • Christina T. – Sandy
  • Shannon B. – Salem
  • Walter C. – Salt Lake City
  • Cheyenne B. – Lago Vista
  • Arleigh W. – Pleasant Grove
  • Andrea H. – Orem
  • Carol M. – Provo
  • Ronald C. – Vineyard
  • Michelle O. – Orem
  • Amanda C. – Santaquin
  • Sherry H. – Saratoga Springs
  • Jason H. – Orem
  • Dallen M. – Lindon
  • Melissa W. – Orem
  • Candace W. – Salem
  • Yu S. – Provo

Home Equity 0.99% APR Fixed for 6 Months, 4.50% Variable Thereafter

  • William D. – Mapleton
  • David M. – Orem
  • Steven M. – Lindon
  • Cory W. – Eagle Mountain
  • Debbie H. – Spanish Fork
  • Jacob R. – Lehi
  • Blake B. – Alpine
  • Joseph E. – West Jordan
  • Lance M. – Mapleton
  • Troy T. – South Jordan
  • Tobias P. – Provo
  • Vijaykumar Y. – Pleasant Grove
  • David C. Y. – Salem
  • Nathan H. – American Fork
  • Penny W. – Nephi
  • Karalee T. – Lehi
  • Charles B. – Preston, ID
  • Phil S. – American Fork
  • Shanda A. – Springville
  • Chad H. – Vineyard
  • Kerstin L. – Orem
  • Justin T. – Orem
  • Rick P. – Provo
  • Ryan C. – Provo
  • Ivan S. – Lindon

Personal Loan 4.99% APR

  • Jimmy W. – Logan
  • Jessica L. – Salt Lake City
  • Jayme E. – Provo
  • Jorge R. – Spanish Fork
  • Scott S. – Springville
  • Jarin S. – Henderson
  • Gildardo G. – Springville
  • Ayisha M. – Pleasant Grove
  • Allie T. – Provo
  • Carrie W. – Mapleton
  • Matthew S. – Narberth
  • Sabrina D. – Eagle Mountain
  • Sienna T. – Provo
  • Jason J. – Sandy
  • Richard W. – Franklin
  • Brian R. – Saratoga Springs
  • Ifeanyichukwu N. – Springville
  • Spencer H. – Springville
  • JonAnn G. – Knoxville
  • Kim S. – American Fork
  • Connie W. – Lehi
  • Nathan E. – Lehi
  • Renee H. – Orem
  • Emily U. – Saratoga Springs
  • Jeffrey R. – Provo

Mortgage Free Home Inspection

  • Kendra S. – Provo
  • Glen S. – Spanish Fork
  • Brian B. – Pleasant Grove
  • Brandon C. – Mapleton
  • Frances P. – Provo
  • John S. – Draper
  • Grant J. – Orem
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11/27 Black Friday Loan Deals Winners

The following winners of the 11/27 daily random drawings have been notified via email. Please call (800) 453-8188 if you have any questions.

AUTO 1.99% APR

  • Brian M. – Orem
  • Robert P. – Bountiful
  • Catherine P. – Orem
  • Brett W. – Saratoga Springs
  • Jenny L. – Santaquin
  • Alexsei P. – Nephi
  • Jared J. – Saratoga Springs
  • Darren F. – Orem
  • Amber H. – Elk Ridge
  • Jared H. – Mapleton
  • Jason W. – Saratoga Springs
  • F Lucretia T. – Elk Ridge
  • Jacob J. – Saratoga Springs
  • Joseph B. – Provo
  • Connor F. – American Fork
  • Meghan G. – Sandy
  • Morgan B. – New Albany
  • Katy H. – Lehi
  • Thomas T. – Orem
  • Kelly and Heather K. – Payson

AUTO No Payments for First Three Months

  • Kevin F. – Springville
  • Kolton G. – Orem
  • Rebecca M. – Orem
  • Alan E. – Spanish Fork
  • Cody D. – American Fork
  • Josh J. – High Point
  • Cole W. – Eagle Mountain
  • Jonathon J. – Mapleton
  • Brayden W. – Payson
  • Jacob K. – Orem
  • Nancy J. – Springville
  • Sandra C. – Springville
  • Andrew S. – Eagle Mountain
  • Chad D. – Ogden
  • Lori W. – Fort Worth
  • Jared J. – Lehi
  • Charles F. – Sandy
  • Sharee M. – Payson
  • Nancy J. – Springville
  • Crissa B. – Payson

Credit Card 3% Cash Back Balance Transfer

  • Gina W. – Lindon
  • Nancy H. – Cleveland
  • Bryan T. – Orem
  • David N. – Spanish Fork
  • Pearl H. – Pleasant Grove
  • Kevin T. – West Jordan
  • Mehanamaiola K. – Provo
  • Juan C G. – Kearns
  • Deborah L. – Lehi
  • Nathan R. – Mapleton
  • Shelley D. – Ogden
  • Julie B. – South Jordan
  • Felisha M. – Orem
  • April T. – Taylorsville
  • Brian H. – Vineyard
  • Brad O. – Lehi
  • Richard V. – Orem
  • John R. – Payson
  • Peter C. – Heber City
  • Darrell R. – Salt Lake City
  • Sara D. – Cottonwood Heights
  • Rebecca H. – Lindon
  • Belja A. – Murray
  • Jacob O. – Spanish Fork
  • Oleah M. – Green River

Home Equity 0.99% APR Fixed for 6 Months, 4.50% Variable Thereafter

  • Dustin T. – Highland
  • Amie C. – Spanish Fork
  • Karen B. – Santaquin
  • Debie J. – American Fork
  • Emily R. – Woodland Hills
  • Rebeca H. – Orem
  • Roselle H. – Mapelton
  • Michael T. – Mapleton
  • Brandon P. – Herriman
  • Raymond C. – West Jordan
  • Michelle T. – Orem
  • Dominque E. – Mapleton
  • Lisa H. – Mapleton
  • Spencer P. – Mapleton
  • Peggy E. – Eagle Mountain
  • Alan U. – Sandy
  • Chris C. – Draper
  • Tammie C. – Springville
  • Zachary B. – Herriman
  • Elli H. – Spanish Fork
  • Michelle F. – Springville
  • Gary A. – Provo
  • Maria H. – Highland
  • Megan S. – Provo
  • Glen M. – Payson

Personal Loan 4.99% APR

  • Byron M. – Mapleton
  • Jared B. – Springville
  • Kristi G. – Provo
  • Ammon P. – Provo
  • Eric S. – Provo
  • Baylee V. – Pleasant Grove
  • Catherine B. – Salt Lake City
  • Melinda W. – Provo
  • Sultan A. – Pleasant Grove
  • Patrick A. – Orem
  • Arlene E. – Eagle Mountain
  • Eric K. – Lehi
  • Travis T. – Lehi
  • Jeremy C. – Springville
  • Daniel W. – Saratoga Springs
  • Steven H. – Eagle Mountain
  • Michelle G. – Lehi
  • Christina K. – Orem
  • Jennifer C. – Springville
  • Jason S. – Saratoga Springs
  • Joel C. – Utah
  • Brittani D. – Saratoga Springs
  • Crystal Y. – Highland
  • Renee L. – Pleasant Grove
  • Chasity B. – South Jordan

Mortgage Free Home Inspection

  • Taz S. – Taylorsville
  • LaNae S. – Lehi
  • Ryan H. – Layton
  • Lindsay W. – Oklahoma City
  • Mandy T. – Orem
  • Taylor O. – American Fork
  • Jordin C. – Heber City
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11/24 Black Friday Loan Deals Winners

Auto 0.99% APR

  • Tregan E. – Sandy
  • Josh E. – Spanish Fork
  • Travis I. – Lehi
  • Jared E. – Spanish Fork
  • Shane S. – West Valley City

AUTO 1.99% APR

  • Karin P. – Springville
  • Darin R. – Santaquin
  • Esther A. – Lehi
  • Aaron J. – Mapleton
  • Matthew R. – Lehi
  • Rusty B. – American Fork
  • Chelise W. – Payson
  • Sharon C. – Orem
  • Roger P. – Mapleton
  • Laurie F. – Sandy
  • Osvaldo S. – Provo
  • Nicholas R. – Highland
  • Deborah A. – Orem
  • Kevin K. – Orem
  • John B. – South Ogden
  • Ashly M. – Lehi
  • Janice W. – American Fork
  • Stephen M. – Orem
  • DeVan L. – Mukilteo, WA
  • Josue R. – Springville

AUTO No Payments for First Three Months

  • Myron B. – Eagle Mountain
  • Tricia B. – Heber City
  • Ben S. – South Jordan
  • Makenna F. – Spanish Fork
  • Malcolm B. – Highland
  • Adam M. – West Jordan
  • Diana S. – Lehi
  • Marc W. – Lehi
  • Josh S. – West Jordan
  • Ansley F. – Lindon
  • Jeremy M. – Herriman
  • Adam C. – Springville
  • Nicolette A. – Saratoga Springs
  • Melany L. – Provo
  • Annaletta M. – Eagle Mountain
  • Melinda M. – Orem
  • Angela H. – Orem
  • Andrew W. – Lehi
  • Connie S. – Provo
  • TJ M. – Salem

Credit Card 3% Cash Back Balance Transfer

  • Melanie J. – Manti
  • Peter S. – Nephi
  • Brandon L. – Sandy
  • Audra P. – Orem
  • Eric K. – Alpine
  • Carolyn A. – Heber City
  • Shelli G. – Herriman
  • Haven N. – Payson
  • Michael C. – South Jordan
  • Melissa A. – Sugar City
  • Melanie H. – Pleasant Grove
  • James J. – Eagle Mountain
  • Jared W. – Orem
  • Alycia R. – Pleasant Grove
  • Vitto C. – Park City
  • Marc T. – Riverton
  • Kimball D. – Draper
  • Dale H. – Grand Junction, CO
  • Randall L. – Orem
  • Kathy D. – Riverton
  • Donald J. – Orem
  • Stephen M. – Saratoga Springs
  • Kristy S. – Eagle Mountain
  • Marci L. – Wellsville
  • Tiercy H. – Eagle Mountain

Home Equity 0.99% APR Fixed for 6 Months, 4.50% Variable Thereafter

  • Erin K. – American Fork
  • Bryan K. – American Fork
  • Ryan R. – Salem
  • Richard G. – Highland
  • Rob M. – Pleasant Grove
  • Stacy D. – Orem
  • Roger W. – Mapleton
  • Nancy T. – Vineyard
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Credit Unions Vs. Banks: The Choice Is Clear

Obviously, banks and credit unions offer a lot of overlapping services. Both banks and credit unions take in deposits, administer checking and savings accounts, issue credit and debit cards, and provide home loans in addition to consumer loans.

The key difference: Ownership structure

Banks are corporations – owned by their stockholders. Typically, and especially with larger banks, these shareholders are Wall Street institutions. However, there are many smaller neighborhood and regional banks with more local ownership. Credit unions, on the other hand, aren’t owned by stockholders on Wall Street; we’re owned by our members on the local Main Street!

True, neither banks nor credit unions are in business to lose money. We both need to make profits on our goods and services to stay in business. The difference is this: When a bank makes money, they send their profits to their stockholders. When a credit union makes a profit, on the other hand, we pass it on to our members. This can be in the form of a dividend or credit, better rates, technological investments and a variety of actions that bring greater value to members of the cooperative. And because we’re not so focused on pleasing distant shareholders through issuing a dividend every quarter, we can frequently offer services and loans with lower costs than banks.

Our mutual ownership structure gives us another advantage too: Wall Street can’t pressure us to make unwise decisions for short-term gains at the expense of our membership. Every decision we make is solely in the long-term best interest of our shareholders.

For example: In normal economic times, credit union and bank failures are very rare. That story changed during the mortgage crisis of 2008-09. Leading up to the crisis, publicly traded banks were under intense pressure from Wall Street to make questionable loans so they could keep short-term numbers up. Credit unions were free to make sound and rational decisions that were in the best interests of members, not Wall Street. According to information published by the Federal Deposit Insurance Corporation and the National Credit Union Association, banks were failing at a rate three times higher than credit unions in 2008, and had a failure rate of five times that of credit unions.

In good times, credit unions have a great track record. And when times are tough, there’s no comparison.

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Dealing With A Financial Setback

Financial setbacks come in all shapes and sizes. It can be an expensive household repair or major car trouble. It may be increases in your insurance plus a rent hike taking effect at the same time. Or, it can be something more extreme, like getting a pay cut at work- or even being given a pink slip. It may be a medical emergency that isn’t covered by insurance, or some good news that will cost you a bundle, like a wedding or the birth of a baby.

It’s impossible to plan for every financial hit you will take in your lifetime.

The question is: What are you going to do about it?

You could ignore it, and keep borrowing or charging to pay for daily expenses when your income is swallowed up by the surprise. By going that route, you’ll be paying a lot more than you should for this setback because of accumulated interest. But you have options–there are proactive steps you can take. So, if you’re hit with hard times, keep these tips in mind:

1.) Don’t panic

Panic is the first reaction many people have when experiencing a financial setback. It won’t be easy, but do your best to keep your cool. Keeping calm will allow you to think more clearly and resolve your deficit quicker. Remember, as difficult as things seem, they’ll always look a little better after some levelheaded planning.

2.) Crunch the numbers

I’ll disappear if you just ignore me and pretend I don’t exist, said no problem – ever. That’s because problems won’t disappear when they’re ignored, especially not money problems. If anything, they snowball into a mountain of financial issues you really don’t want. So, difficult as it might be, sit down and figure out exactly how much more money you’ll need in order to cover your new expense, or to fill the gap of an income loss.

3.) Keep the money coming in

When you’re dealing with a financial setback, you’re looking at less money than you need to get you through the month. The only way to stretch what you have to fit your needs is to earn more or to spend less. Since tightening your budget is almost always stressful, try to find ways to add to your income first. If possible, put in more hours at work or seek extra projects, even if it means working nights and/or weekends. Consider freelancing or consulting if you can. Take a side job for some extra cash. Do whatever it takes to bring in a little more money to cover the additional expenses.

If you’ve been laid off or your hours have been cut, it’s OK to work at a job that is below your skill level until you find something more permanent. There’s no shame in earning an honest living.

4.) Trim your spending

Now, it’s time to see which expenses you can trim. Before cutting your budget in half, though, take the time to prioritize. List all the expenses you cannot do without and the ones that would be irresponsible to neglect. Don’t skip mortgage payments or neglect your insurance premiums because you’re short a few hundred dollars. Instead, take an honest look at your remaining expenses and see where you can cut back.

If you’re careful, you may be able to cut your grocery bill in half. Trim spontaneous purchases by only using cash – and keep a minimal amount on you at all times. If you’re a two-car family, consider scaling back to one car for now. Push off your vacation plans until things start looking up. Do whatever you can to come up with the extra cash.

5.) Contact your creditors

If you absolutely cannot make some of your minimum monthly payments anymore, contact your creditors before they come calling on you. It’s always best to be up front about your financial situation. Most creditors will be happy to work out a reasonable payment plan with you.

6.) Reach out to family and friends

The people who care about us most are the ones who can get us through anything. Don’t be embarrassed to tell your family and friends what’s going on. They’ll support you and encourage you until you get back on your feet, and they may even be able to help you out with employment opportunities or helpful contacts.

7.) Be proactive

Hindsight is always 20/20. Harness the urgency you feel now to get into the habit of building up an emergency fund. As soon as you’re back on your feet, start putting away money that can be pulled out in future setbacks. Experts recommend that you have 3-6 months worth of living expenses saved up in case you can’t work for any reason. Knowing you have that money to fall back on will take the stress out of these situations.

Do you need help recovering from a financial crisis? Call, click, or stop by a UCCU branch today for help with money management and ending the debt cycle.

Your Turn: How have you maintained your equilibrium during a financial setback? Share your best tips and advice with us in the comments!

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Debt Consolidation: Not a silver bullet, but still a good idea!

If you’re up to your eyeballs in debt, the one thing you may wish for more than anything else is a blank slate. If you had a chance to wipe your slate clean and start over, things would be different. Of course, barring a winning lottery ticket, nothing is going to make that much of a change overnight.

There is, however, another option you can take for getting your debt under control. You can use a personal loan to refinance your existing debt. That means you’ll have one monthly payment at one interest rate instead of the stress caused by a bunch of smaller bills coming due on different days of the month.

Of course, this isn’t a solution for everyone. Let’s take a look at the questions you might ask yourself before you take on a debt consolidation loan.

1.) Have I fixed the debt problem?

Think long and hard about why you’re in debt. For most people, it was a medical bill, the loss of a job or some other temporary hardship that got them behind with charges they couldn’t completely pay off right away. If that describes your situation, the fact that you have a job or have paid the medical bill means you’ve solved the problem that caused the debt in the first place.

If, on the other hand, you accumulated debt by overspending on credit cards, a debt consolidation loan may not be the answer just yet. There are other steps to take first, like making a budget you can stick to, learning how to save and gaining responsibility in your use of credit. Getting a debt consolidation loan without doing those things first is a temporary solution that might actually make matters worse in the long run. You’ll have room on credit cards again, which can make the impulse to go spend pretty strong. Give in, and you’ll be back in the same position as before, except now you will have even more debt.

2.) Can I commit to a repayment plan?

If you’re struggling to make minimum monthly payments on bills, a debt consolidation loan can only do so much. It’s possible that the lower interest rate will make repayment easier, but it’s also possible that bundling all of that debt together could result in a higher monthly payment over a shorter period of time. Before you speak to a loan officer, figure out how much you can afford to put toward getting out of debt. Your loan officer can work backward from there to figure out terms, interest rate and total amount borrowed.

If you’re relying on a fluctuating stream of income to repay debt, like a second job or financial windfalls, it may be difficult to commit to a strict repayment plan that’s as aggressive as you like. Instead, what you can afford on a monthly basis may be nothing more than the sum of your current minimum payments. You can still make extra principal payments on a personal loan, so your strategy of making intermittent payments will still help. You just can’t figure them into your monthly payment calculation.

3.) Is my interest rate the problem?

For some people, the biggest chunk of their debt is a student loan. These loans receive fairly generous terms, since a college degree should generally result in a higher-paying job. Debt consolidation for student loans, especially subsidized PLUS loans, may not make a great deal of sense. You’re better off negotiating the repayment structure with your lender if the monthly payments are unrealistic.

On the other hand, if you’re dealing with credit card debt, interest rate is definitely part of the problem. Credit card debt interest regularly runs in the 20% range, more than twice the average rate of personal loans. Refinancing this debt with a personal loan can save you plenty over making minimum credit card payments.

4.) Will a personal loan cover all my debts?

The average American household has nearly $15,000 in credit card debt. That’s a big chunk of change. Add on $28,000 in auto loans, and it’s easy to see why debt is such a problem for most households.

The caution with personal loans for debt consolidation is to make sure you can bundle all of that debt together. If you have more than $50,000 in credit card debt, it’s going to be difficult to put together a personal loan that can finance the entire amount. Instead, it’s worth prioritizing the highest interest cards and consolidating those instead of trying to divide your refinancing evenly between accounts. Get the biggest problems out of the way, so you can focus your efforts on picking up the pieces.

Debt consolidation doesn’t work for everyone, but it can do wonders for many people. The ability to eliminate high-interest debt and simplify monthly expenses into one payment for debt servicing can change a family’s whole financial picture. The only way to know if a personal loan to consolidate debt is right for you is to sit down with a loan officer to go over your situation. Gather your account statements and your paycheck stubs, and head to your local UCCU branch today!

Your Turn: What’s your secret weapon in the battle against debt? Any tips and tricks that helped you get a handle on what you owe? Let us know!

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Fidget Spinners: Harmless Fad or Mega Distraction?

Fidget spinners. You’ve seen them practically everywhere. The small plastic gadgets don’t do much, but they’ve completely overtaken the toy industry.

Fidget spinners were initially marketed as a sensory toy for children on the autism spectrum and those with ADHD or sensory processing disorder. Within days, though, the hand-held gadget experienced a wild surge in popularity and became a must-have for every child and teenager across the county – and plenty of adults, too.

The basic fidget spinner is built with three prongs centered around a circle. Flick a prong, and the triangle shape becomes a blur, almost like a ceiling fan. The toys are manufactured by several companies and are sold virtually everywhere – airports, gas stations, grocery stores and, of course, toy stores.

If you’re wondering what the great appeal behind the fidget spinner is, you’re not alone. Just like you, many parents are scratching their heads in bewilderment. After all, the toys don’t make much noise; they don’t beep or flash or do anything too exciting. And yet, the fidget spinner and its cousin, the fidget cube, now dominate 49 of the top 50 rankings on Amazon. They’ve all but invaded classrooms and hundreds of videos have already been posted on YouTube by self-proclaimed “fidget experts” demonstrating dozens of tricks that can be done with the small toy.

And it’s not just kids – the fad has spread to adults, as well. Fidget spinners are showing up in college classrooms, on train rides and at the workplace. In fact, Forbes magazine has already named the fidget spinner the official office toy of 2017.

While toy fads constantly come and go, there hasn’t been a fad of this magnitude since the hula hoop craze of 1958, when an estimated 25 million were sold in just a few months.

Parents and educators are on the fence about this fad, though. The price tag is conservative and it keeps the kids occupied, but some claim it’s a tremendous classroom distraction that should be banned.

While the novelty of the fidget spinner will fade with time, it’s anyone’s guess if they will become a classic like the Rubik’s Cube, or soon lay forgotten in a dusty corner of the playroom, never to be played with again.

Here’s what you’ll want to know about the latest fad:

1.) No scientific backing

Fidget spinners have been marketed as a stress-reliever and a self-care tool for ADHD and autism. Parents of diagnosed children have eagerly purchased these toys in the hopes that they will help their child concentrate in class and perhaps alleviate some of their symptoms.

It’s important to note, though, that there has not been any scientific evidence backing this claim. While some might find that they do provide temporary relief from symptoms, they should never be used in place of therapy or medication.

2.) Choose cheaply

One of the biggest selling factors of this fad is the modest price tag – most go for just a couple bucks. Like every popular fad, though, opportunists have been quick to cash in on the craze. The market boasts luxury spinners with flashing lights, or with more ball bearings to supposedly guarantee a longer spin time. These deluxe versions come with a price tag of a few hundred dollars or more.

Kids are thrilled with the cheaper versions, though, and they fulfill their purpose perfectly. Don’t get sucked into shelling out big bucks, because this fad may be over in a few weeks. By then, your child may never look at a spinner again.

3.) Classroom chaos

A lone spinner produces a low, almost indistinct whir. Multiply that by 25, though, and you’ve got quite a racket. Now imagine trying to teach over that din.

Fidget spinners might look like the perfect classroom toy; they’re small enough to fit under the desk, and make hardly any noise. But some teachers and principals have found them to be too distracting, and many schools have banned them completely. Aside from the collective hum of the gadgets spinning, the toys often go clattering to the floor or are used to demonstrate tricks, further adding to their distraction.

Other teachers don’t mind the noise, though, and claim they support concentration while providing a legitimate sensory aid for those who need it. Make sure your child’s teacher is OK with the fidget spinner being used in the classroom before your child brings it to school.

4.) Smartphone substitute

While no scientific studies have backed this claim, many posit that the fidget spinner’s popularity is linked to its vibrating motion, which mimics that of a smartphone. They theorize that the toy serves as a salve for the smartphone-addicted child, who loves the feel of a screen throbbing.

Whether this is true or not remains to be proven, but if it’s a choice between a phone and a fidget spinner, remember that the toy won’t mess with your child’s attention span or internal clock the way screen time does, making it the better choice.

Here to stay, or gone tomorrow? It’s anyone’s guess. Meanwhile, though, make smart, informed choices about the latest toy fad.

Your Turn: Do you think fidget spinners should be allowed in classrooms? Why or why not? Share your thoughts with us in the comments!

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