Meet the Smart Family

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Follow one family’s hilarious journey to becoming MoneySmart

Whether you’re a parent, a baby, a teen or anywhere in-between, BeMoneySmart is the perfect way to learn together, as a family, how to save and spend money wisely. Simply visit BeMoneySmart.org, where you can watch the adventures of the Smart family, a series of short, hilarious videos that your whole family will enjoy.

They’re also educational, but don’t worry… we won’t tell your kids if you don’t. It’s all at BeMoneySmart.org right now!

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Last Chance to win a New Honda Ruckus!

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Use Your UCCU Debit or Credit Card!

Need a new ride?  We are giving away a Honda Ruckus’ model NPS50, the greatest summer vehicle!

How do you win?

Every time you use your UCCU debit, credit card or PlusCard, you get 1 entry into the drawing!  Use your UCCU card everywhere to get as many entries as you can.

When are we giving the Ruckus away?

We will be drawing the winners name on March 21, 2016 and giving the actual scooter away March 22, 2016.

How are we picking the winner?

The potential winner will be selected in a random drawing.  The drawing will consist of all eligible entries received during the entire promotional period.

So don’t miss out on this amazing opportunity!  Use your UCCU debit, credit, or PlusCard as much as possible to win!  This summer, you could be cruising on your new Honda Ruckus!

If you have any questions, please call us at 801.223.8188 or email us at questions@uccu.com

Click here for more information if you are a member

Click here for more information if you are a UVU PlusCard holder

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Safe, Free, and Convenient: Visa Checkout

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As online shopping becomes more commonplace, online security naturally becomes more of a concern. However, with Visa’s V.me program, your financial information is protected in a safe, free, and convenient way. It eliminates the hassle of having to repeatedly enter … Continue reading

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What's Your Financial Wellness IQ?

 

 

 

 

 

 

It’s always important to gauge your financial wellness. Financial situations can change very quickly. Understanding how to make adjustments as needed is an important skill to learn. Take this quiz to see where you stand financially and help address any problems shown by the results. The first step toward a financially stable tomorrow is facing the situation today.

Ready to begin? Answer True or False to the following questions, and then tally your score. See scoring beneath the quiz to determine whether or not you are a good candidate for financial counseling.

  1. I normally pay only the minimum amount due on my credit card bills.
  2. My credit card balances increase each month.
  3. There are arguments in my home about money.
  4. I sometimes hide purchases from my spouse.
  5. I frequently charge items that I used to pay for with cash.
  6. I have thought about filing for bankruptcy.
  7. I have begun using cash advances to meet my obligations.
  8. My credit cards are near the limit, so I’ve begun applying for new lines of credit.
  9. I do not know the total amount that I owe.
  10. I skip paying my bills some months, or pay late.
  11. I have depleted my savings.
  12. I am consumed with worries about debt.
  13. My debt interferes with my job and/or home life.
  14. Collectors have begun contacting me.
  15. I have taken money from my retirement account to satisfy debt obligations.
  16. If I lost my job, it would mean an immediate financial crisis in my life.
  17. I use balance transfers.
  18. I have no emergency savings account.
  19. Next month’s bills arrive before I’ve paid this month’s.
  20. I do not open my bills when they arrive, or soon thereafter.
Most people answer “True” to two or three of the above questions. If True was answered more often than three times, you might consider financial counseling. BALANCE offers free and low cost assistance, whether the problem stems from needing more financial education, debt concerns, meeting your mortgage payment, or a host of other personal finance concerns. Discussing it with a certified counselor/3rd party will add insight to help you to resolve the situation.
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Christmas Shopping Tips

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Christmas is fast approaching, and sometimes it can seem impossible to buy presents for everyone, host and attend parties, stay in a budget, and keep your sanity. We hope the following tips will help you navigate through the holiday shopping season so you can enjoy this time of year.

Make a list

Making a list is one of the easiest ways to organize yourself this holiday season. Write down everyone you are planning to buy a gift for–no matter how small the gift is, and ideas for what to get and an amount you would like to spend. By planning everything out, you will be better equipped to handle this crazy and sometimes stressful season.

Start early

We’re already into December now, but in the future try not to wait until after Thanksgiving to start shopping. So often while shopping we find the perfect gift for our boss or best friend when we aren’t looking for it. If you do keep your eyes open earlier in the year, once December hits you’ll be so glad you already have people crossed off your list. Just make sure to keep all your gifts purchased in advance in a designated spot so that you  don’t forget what you have already purchased.

Do your research – Shop Smart

Purchasing a present you do not know much about can be a daunting task. For example, if your husband wants a new camera and you are unsure  which brand or model to buy, search online for reputable reviews that can help in the decision making process. There are hundreds of websites where you can look up expert reviews on every kind of product available. Shopping smart is also a good idea, so use a price comparison website to find the best deal possible on whatever you need this holiday.

Pay with cash or debit card if possible

It may sound completely old-fashioned, but paying with cash is something that can help keep you on budget this year. If you want to take it a step further, getting larger bills like hundreds and fifties may make you think twice before putting up the big bucks. No one likes breaking a one-hundred dollar bill.

If carrying cash seems a little too old-fashioned, You can also try shopping with a debit card that only has a certain balance completely designated for holiday shopping. That way when the money’s gone, it’s gone.

Keep a running tally of your credit-card spending

When you come home from a day of shopping, immediately subtract what you’ve spent on your credit card from your checking-account balance. This helps give you a visual record of how much you’ve spent and also it ensures that you’ll have enough money in the account to pay the bill when it arrives.

Take advantage of Cyber Monday

Cyber Monday is known for being the biggest online shopping day of the holiday season. As a spin-off of Black Friday it takes the camping outside for days and long lines out of the picture. Cyber Monday allows you to find amazing deals, all from the comfort of your home. To help you stay even more in the know during this season, you can sign up to receive emails from your favorite stores to help you get advanced notice and member only deals.

Buy gifts online if traveling

If you are going out of town this season a great way to up convenience is to shop online. There is so much less hassle if you can ship the presents directly to where you are going to spend your holiday. Especially with flying, suitcases are prime real estate that should be designated for essentials, not Christmas Presents.

One great way to cut back on cost with online shipping is to find free shipping for the presents you buy. A great website that offers information about getting free shipping this holiday season is freeshippingday.com. On their website you will find a list of hundreds of retailers that will be participating in “Free Shipping Day”. All Free Shipping Day offers will be revealed on their website at 12:01am EST on Thursday, December 18, 2014.

Do it yourself

If you’re creatively inclined, try and find a way to harness your creativity into a thoughtful, handmade gift. Bake a batch of cookies, sew personalized tote bags or make beautiful earrings for friends and family. If you need to learn a new skill, look into taking some classes locally or invest in a how-to book. With so many online, and print resources you can make Christmas presents an easier, more thoughtful experience.

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UCCU Prepares to Offer Apple Pay

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.

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Visa Checkout – The Easier Way to Pay Online

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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

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President’s Message September 2014

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  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

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