On Nov. 2, 2015 President Obama signed the Bipartisan Budget Act of 2015 which drastically modified some of the options available within Social Security.
Two popular Social Security claiming strategies were severely limited. If ever there were a sense of urgency in ensuring that you get the most you are eligible for under Social Security that time is now. There is a small grace period to lock in those benefits that ends May 1, 2016.
Our Social Security Timing® software identifies the best and earliest strategies in easy-to-understand charts, and allows you to add alternates for comparison.
We offer this service at no cost or obligation. Please give us a call to schedule a convenient time to evaluate your own situation. To schedule your appointment contact Steve Lloyd, Office Manager at UCCU Financial Group. Their phone number is 801-223-7502.
Securities and advisory services offered through Cetera Advisor Networks LLC, member FINRA/SIPC. Cetera is under separate ownership from any other named entity.
Not NCUA/NCUSIF Insured – No Credit Union Guarantee – Not a Deposit – May Lose Value –Not Insured By Any Federal Government Agency.
How EMV Works The U.S. market is the last major market that still uses the magnetic-stripe payment method. Due to the high amounts of fraud EMV technology has been implemented to try and mitigate the security issues magnetic-stripes can pose. … Continue reading →
As a parent you worry about your child’s education, their health, their safety, and their future. That’s why it is crucial to monitor and protect your child’s personal information from identity thieves from a young age. Here are some … Continue reading →
Utah Community Credit Union is your partner in reaching your financial goals. That’s why we’ve partnered with LifeLock, the industry-leader in identity theft protection, to safeguard your good name and your financial security. Sign up for LifeLock Standard Identity Theft Protection … Continue reading →
Identity theft is one of the fastest growing crimes in the nation. Last year, the nonprofit Identity Theft Resource Center has identified 470 breaches, exposing more than 11.5 million records. You are at risk every time you bank online or shop. Identity thieves will look for ways to steal your personal information any way they can.
The easiest way to protect your information is to keep an eye on the activity on your credit/debit card. Also, remember to report any suspicious transactions immediately. Besides monitoring your transactions to protect your identity, you should also consider using an identity protection service.
LifeLock helps safeguard your finances and credit by monitoring over a trillion data points every day and scans for threats to your identity. LifeLock has also increased their security features and services to give you peace of mind, such as data breach notifications, Credit Card monitoring, Checking and Savings Account Activity Alerts, and Investment Account Activity Alerts.
UCCU, in partnership with LifeLock, offers 10% off on LifeLock services to give you identity protection that you can count on. Visit your local branch or call 1-800-453-8188 for more information.
Apple recently launched Apple Pay, the ability to pay with a debit or credit card using an iPhone, Apple Watch, or iPad instead of a traditional plastic card. Apple released this new payment service with a few national banks. Other banks and credit unions will be added to Apple Pay in the future and Utah Community Credit Union is in queue to provide Apple Pay to our members as soon as Apple expands its service. UCCU anticipates Apple Pay usage will increase as more businesses update their technology to accept this new payment option.
How does Apple Pay Work?
Apple Pay can be used with the following devices with iOS 8.1 or later: iPhone 6, iPhone 6 Plus, Apple Watch, iPad Air 2, or iPad mini 3. Instead of a traditional plastic card to facilitate a purchase Apple Pay uses Touch ID with a single touch of your finger. Setup is simple. In your Passbook app take a picture of an approved debit or credit card to be used as payment.
A major hurdle in the widespread use of Apple Pay is that businesses need to have near field communication (NFC) technology to accept Apple Pay services. The credit union anticipates that more businesses will update their hardware to accept this new form of payment.
Is Apple Pay Safe?
A benefit to Apple Pay is that your actual credit or debit card numbers are never shared by Apple with merchants or transmitted with payment. Instead Apple Pay passes a transaction-specific dynamic security code to process the payment. In addition, paying with Apple Pay is private, as the cashier will never see your name, card numbers or security code.
When will UCCU have Apple Pay?
UCCU is eager to allow members to use their UCCU debit and credit cards with Apple Pay. The credit union is in queue with Apple to offer Apple Pay. Get started using Apple Pay with UCCU cards when available. The credit union will notify members again as it gets closer.
Shopping online can be a fun, convenient way to buy the things you need and want from the comfort of your own home. Visa has rolled out a new digital payment service called Visa Checkout, designed to simplify the checkout … Continue reading →
Credit Card Fraud abounds but EMV Chip Technology is NOW AVAILABLE AT UCCU. Recent news reports reveal yet another disturbing instance of a security breach at a very large retailer jeopardizing customers’ financial accounts and information. Very talented crooks … Continue reading →
Several high-profile data breaches have occurred in the last twelve months impacting millions of consumers. Awareness is key to staying safe, coupled with understanding what the thieves are after. While UCCU’s data was not compromised, members who used their … Continue reading →
Several news agencies recently issued reports of significant data breaches, one involving P.F. Chang’s China Bistro and another regarding a Russian crime ring being called CyberVor. These stories are the latest in a string of breaches and data security concerns … Continue reading →