Beat the Winter Break Blues

Mother And Children Decorating Christmas Cookies TogetherTaking a little extra time to make days off more special for kids doesn’t have to cost a lot of money. Use these activity ideas as a winter fun springboard!

Fortify the fun. A favorite for imaginations everywhere, indoor forts constructed of blankets and pillows transform everyday spaces into sweet escapes for reading, playing games or having sleepovers. Flashlights and twinkle lights will make it even more magical.

Scavenger hunt. Make a list of items already in the home or backyard, or place seasonal items yourself. Then turn kids loose for an entertaining day. Up the challenge—and their curiosity—by writing clever clues they have to solve in order to know what items to look for.

Rube Goldberg contraptions. Using common household items, have kids construct a contraption that includes a series of chain reactions, as inspired by Rube Goldberg. Have kids see who can keep a marble in motion the longest or cover the greatest distance in the house.

Winter break Olympics. Have contests to see who can hop on one foot the longest, crab crawl the farthest, dribble a ball longest, make the most free throws or any other challenges you can think of. Keep score over break and award medals or ribbons before the kids head back to school.

Stay in drive-in. Recycle cardboard boxes from holiday gifts, selecting sizes that will allow each child to sit comfortably inside. Then, spend the day decorating each box like a car. When it’s movie time, kids can park it in front of the TV. Set up a snack bar for maximum effect!

Next-level limbo. Hone your child’s inner spy senses by taping stretches of red yarn down a hallway to create your own laser obstacle course.

If you exhaust these activities, check out even more boredom busters from Daily Parent.

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System Upgrade 2017

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For two years, Utah Community Credit Union has been preparing for a computer system upgrade that will make online banking faster and easier. The release is just around the corner.

On April 3rd, 2017, we will be rolling out a new system upgrade which will change the way you do online banking! The new system will help you centralize your accounts under one login, making it easier for you to manage your products with us.

The upgrade includes other benefits like transaction auto-categorization, which will make budgeting easier. It will also allow members to utilize the simplicity of TouchID to login on compatible devices. And that’s only the beginning!

“It’s a very exciting time for UCCU,” said UCCU President/CEO Jeff Sermon.

For more information about the system upgrade, and to stay informed, visit www.uccu.com/upgrade.

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New Year Resolution: Reduce Monthly Expenses

If one of your New Year’s resolutions is to make sure your overall financial health is in good shape, it’s a good idea to dive even deeper and analyze some of your reoccurring monthly expenses that you may be wasting money on as well.

The UCCU Financial Group compiled a list of five common monthly expenses that often can be adjusted, or cut out altogether, to keep more of your hard-earned cash.

  1. Gray spending on credit cards. Far too many people with credit cards fall prey to monthly subscription expenses they quickly lose track of—such as a 30-day free trial you forgot to cancel, or a monthly Netflix fee. Consider going over the last 12 months of your credit card statements and writing down any reoccurring expenses. Then you can decide what can be changed or cancelled.
  2. Health insurance plans. It’s a great idea to see what insurance plans are available and what makes the most sense for you and your family. Be sure to do this in advance of your insurance renewal date. Most insurance companies offer a calculator feature so you can enter in all your expected health needs over a 12-month period for each member of your family and see which plan gives you the lowest out-of-pocket spending over a year’s time, not just the cheapest co-pays. You may be surprised to find out you’re not on the most economical plan!
  3. Cable TV. Consider what you watch – with the ability to live stream most network TV shows on demand and the streaming services available through companies such as Netflix, Amazon Prime, Sling TV and Hulu Plus, for many cable has become obsolete. Decide what you and your family watch and decide if expensive cable bills can be a thing of the past for you and your wallet.
  4. Home and auto loans. With interest rates, considerably low, it’s worth the time to evaluate the benefits to refinancing your home or auto loans to see if there’s a lower rate option than what’s currently on your loan(s). Refinancing to a lower rate can reduce your monthly payments by hundreds to thousands of dollars a year.
  5. Cell phone plans. Mobile companies have begun to do away with their super strict, two-year service contracts and are often overselling you on services and data you don’t actually use or need! Do some research on your current contract and your provider’s fees, discounted family plans and what you’re currently paying. See if there’s a better, cheaper monthly option for your needs that will save you money.

Don’t hesitate to contact Steve Lloyd at the UCCU Financial Group to schedule an appointment if you’d like to further discuss your financial situation. Our phone number is 801.223.7502.

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First Time Home Buyer Seminars

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UCCU has always valued our stance on inspiring smart decisions! To educate our members on the home-buying process and better prepare you for homeownership, our mortgage department is hosting First Time Home Buyer Seminars monthly through 2017! This is a great way to learn what to look for, what to expect, and where to start when buying a home.

So if you’re considering buying a home sooner or later, sign up for this course. It’s just one of many ways we are helping to inspire smart decisions!

To sign up for the course go to www.uccu.com/seminars.

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President's Message: December 2016

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Happy Holidays from your credit union!

 2016 was another great year. We continue to be the #1 lender for mortgage loans in Utah and Wasatch counties – which means our members are getting more house with every mortgage transaction. And from our humble beginnings 60 years ago, the credit union has grown to over one billion dollars strong.

We look forward to continued growth in 2017 and are excited for a system upgrade that will make your banking faster, easier and safer. The new, modern interface is designed to make banking both easy and intuitive. Look for more information from us as we prepare for the upgrade this April.

As we close our 60th year anniversary, we thank you and hope to continue inspiring smart financial decisions for decades to come. And on behalf of our great staff and volunteer Board of Directors, we wish you a very Happy Holiday season and a prosperous New Year.

jeff's signature

President/CEO
Jeff Sermon

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Our 60th Anniversary in Review

We started with seven founders and $35. A lot has changed over the past 60 years, but we’ve held on to our unwavering commitment to help our members and our community! In case you missed any of the events, giveaways, or announcements, here’s a quick review of what happened this year:

Remembering Our BYU Beginningscelebrating 60 years with BYU Creamery ice cream
UCCU was originally founded by BYU employees, right on BYU campus. So, to celebrate our BYU beginnings, we gave our members free ice cream from the BYU Creamery!

Built to Last
Another way we commemorated our BYU beginnings was Built to Last, a special video narrated by LaVell Edwards, that takes an inspiring look at UCCU and our community over the past six decades.

To view Built to Last, visit www.uccu.com/60years.

Your Votes Made a Difference

three first place winners
We’re proud to work with our members, to support important causes in our community. As part of our 60th Anniversary, we wanted to decide-together-how to give back to our community, and your votes helped. With over 32,000 votes received, the breakdown of the winners and the amounts won are as follows:

Winners of $10,000 Donations – Primary Children’s Hospital, Kids on the Move, Family Support & Treatment Center.

Winners of $1,000 Donations – Boy & Girls Club of Utah County, Bridle Up Hope, Community Action Services & Food Bank, Center for Women & Children in Crisis, Make-A-Wish Foundation of Utah, Project Read, and Volunteer Care Clinic.

Thank you for showing your support and casting your votes!

 

60 Years of Stories2nd Place story winner Jennifer Hullinger won a family trip to Disneyland
We asked you, our members, to share with us your personal stories and experiences with UCCU, and your response was nothing short of amazing! We value your thoughts, and are humbled by the stories that were shared. We’d like to thank everyone to shared their story, and we’d like to invite you to read them at www.uccu.com/stories.

UCCU Financial Center: Now Serving YouUCCU Financial Center Building Ribbon CuttingOn October 12th, 2016, we celebrated the opening of the UCCU Financial Center in the heart of Lehi. A ribbon cutting ceremony kicked off a series of Open Houses that were free to the public. Mike Orme, Chairman of The UCCU Board of Directors, cut the ribbon. Lehi Mayor Bert Wilson said, “This is really one of the most beautiful buildings I’ve had the opportunity to be in.”

Celebrate 60 Years with 6%
To top off our 60th Anniversary, we wanted to give our members a chance to get a great rate on a credit card. Right now, you can get the incredibly low rate of 6% on our Visa credit card. This is a low variable rate that will stay low, and there are no introductory rates – ever! But this rate ends with our anniversary celebration, so act fast!

Here’s to 60 years of people helping people! And many, many more years to come of inspiring smart decisions!

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