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Making the Holidays with UCCU

UCCU is constantly looking for ways to usher in the spirit of the holidays and help spread the cheer! Read on for three of our favorite ways to celebrate this holiday season.

The Giving Tree
This holiday season, Utah Community Credit Union is sponsoring The Giving Tree, by United Way of Utah County. You will be able to stop by any of our locations and draw a name from the tree of a local family or kid who need your help to have a Christmas this year. “UCCU has been a proud sponsor of The Giving Tree for many years,” said Jeff Sermon, UCCU President. “It’s the perfect opportunity to give to those in need in our community and we’re grateful to everyone who participates.”

What better way to usher in the spirit of the holidays than by helping spread the cheer!

The Giving Tree is open to everyone and includes specific requests, making it easy to find the right gift for anyone you choose. UCCU will deliver the gifts to each recipient before Christmas Eve.

Be sure to keep an eye out for names on our Christmas trees!

Returning this holiday season, UCCU is proud to offer its members a chance to SKIP-A-PAYMENT. Our members are given the opportunity to skip a loan payment in either November, December 2016 or January 2017. Pay $25 per eligible skipped loan, then don’t worry about that month’s payment! It’s a great way to make shopping for the holidays easier, without any financial burdens.

Stop by any branch, or call 801-223-8188 to skip your payment today!

6.0% Credit Card
Don’t drag your feet anymore! UCCU’s 60th anniversary 6.0% credit card is only available until the end of this year. Stop by your local branch today to get take advantage of this great rate!

Visit uccu.com/visa for details!

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President's Message October 2015

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Many people need breathing room when it comes to keeping monthly loan payments low – especially during the holiday season. If you need to consolidate high interest loan payments, give us a call. We have a number of solutions that can be tailored to your needs so that you monthly expenses can go down during what are typically the tightest months of the year.

If you use a credit card, UCCU has the best low rate option. Other institutions may offer you a flashy introductory rate credit card that will shortly thereafter skyrocket up leaving you weighted down with a high interest rate and high monthly payments. But at UCCU it’s different. We even allow free balance transfers so that you can enjoy a lower rate and lower payments.

You can expect to earn more and pay less at the credit union by taking full advantage of our services and benefits. Our qualified and experienced staff works diligently to provide the best experience possible. Thanks for making UCCU your trusted financial partner!

As always, we are working hard to provide you with “First Choice” services and financial products and doing everything we can to help our members make smart financial decisions. We are your credit union – use us for all we’re worth!


Jeff's signature

Jeff Sermon


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Saving for the Holidays

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With the holiday season fast approaching, it may be a good idea to assess your financial situation and plan a little bit ahead. By planning now and not waiting until the last minute, the holidays don’t have to be a time when your wallet is hurting.

Here are some tips to consider to help you save money this holiday season.

Make a budget

Creating a budget is one of the basic principles of being frugal, yet too often people overlook it. Taking time to sit down and map things out will allow you to see where and how you can cut costs. One way to make a holiday budget is to first make a list of each person for whom you will be buying. Once this is decided, you can determine how much you want to spend on each person. You can also make a list of items you know you will buy so you can start searching now for the best prices and future deals that retailers will have.

Plan holiday travel now

Travel during the holiday months can be expensive, but planning ahead can save you money. According to cheapair.com, the best time to purchase tickets for domestic flights is 49 days in advance. Websites such as google flights are good resources where you can compare ticket prices.

Do online research

If you’re unsure of which specific item to buy (for example, the brand and model for a phone), searching reputable online review services will help you make a decision. Some examples include amazon.com, cnet.org, and consumerreports.org. Doing your homework beforehand will save you the trouble of returning items later or having the recipient be dissatisfied with the product.


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Get Away Today – Disneyland Diamond Celebration

This year Get Away Today and Utah Community Credit Union are excited to share in the Disneyland Resort Diamond Celebration! For 60 years, there’s been one place where friends and families shine together…. magic is always bright… smiles sparkle in a whole new way… and dreams really do come true!

Kicking off May 22nd, the Disneyland Resort will celebrate this very special milestone with special surprises and three new nighttime shows: World of Color Celebrate- An all new show telling Walt’s story using water, lasers, special effects and more! Paint the night- Inspired by Disney’s Electric Parade, watch beloved Disney and Disney Pixar stories come to life! Disneyland Forever- A fireworks spectacular unlike anything ever before!

Get Away Today wants to help in make this celebratory year even more exciting by offering Adults at Kids’ Prices on 3, 4 and 5-day Disneyland Resort Park Hopper tickets! By purchasing your 3-day or longer tickets before May 31, 2015, you will receive up to $16 per ticket savings, one Magic Morning Early Entry and two ESPN Zone Offers! Tickets are valid for travel during May, August, September and November 2015. Don’t wait! Mention Utah Community Credit Union to book your 60 year anniversary vacation today!

GAT Logo New

Visit getawaytoday.com or call 855-GET-AWAY



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How to Make Your New Years Resolutions a Success

New Year’s resolutions are common practice after the first of the year. Many of the most popular resolutions regard health, finances, and careers/education. According to University of Scranton’s Journal of Clinical Psychology the top 4 most popular resolutions among Americans are to lose weight, get organized, spend less and save more, and to enjoy life to the fullest.

In order to help make this new year a more successful one here are some tips to help:

  1. Focus on one goal at a time – Trying to incorporate too many goals and resolutions all at once can be overwhelming. Taking your progress slowly will motivate you without causing too much stress.
  2. Isolate what makes it important – Recognize what makes your goals pertinent and important to you. If you need to lose weight for health reasons, remind yourself that. Isolating the WHY is the most important way to motivate success.
  3. Make it tangible and specific – Avoid sweeping statements like “I want to live abroad one day”. Making vague generalizations is the difference between a daydream and reality.
  4. Put a date on something – Dates help create motivation. We all work that little bit harder when there is a deadline and a time frame to work under.
  5. Think BIG but act small – Choose something that will stretch you but not overwhelm you.
  6. Don’t go off course two days in a row – If you make mistake –like go off your diet–don’t let it completely de-rail you. Pick yourself back up again and keep going. Don’t give up because you missed one day. We are all human, so just keep pushing forward.
  7. Tell other people your goals –  We are innately social beings and alerting people to what you are trying to accomplish will help you stick to your guns. Tell your family, friends, co-workers, etc. and they can become your cheerleaders and allies in reaching your goals.

Once your goals have been isolated, planned, and written down, remember to be patient with yourself and keep pushing forward. Along with the new year comes tax returns. That’s why at UCCU we offer discounted services through Turbo Tax for all of our members. Head to our Turbo Tax website for more details and the opportunity to win up to $15,000.

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Christmas Shopping Tips


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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The Giving Tree 2014


As Christmas approaches, UCCU is proud to sponsor the Giving Tree, brought to you by United Way. UCCU has sponsored the Giving Tree for many years, helping hundreds of individuals and families in need. The Giving Tree program provides a way for whole communities to get involved in making sure that families in need can have Christmas presents for their children.

Each UCCU branch will provide a Giving Tree with names of local families and individuals who will benefit greatly from this program. GivingTreeCardTo participate in the Giving Tree, stop by any UCCU branch during the month of December to select a card with a person or family from the Giving Tree and tell a UCCU Employee which name you have taken.

Each card has information about the family, or individual–what they like, what size clothing and shoes they wear, and things they enjoy. You will then purchase gifts for your selected individual or family and bring the gifts back to the branch to be delivered.

Please return the gifts, unwrapped, to the UCCU branch you took the card from no later than Dec. 16th.

Join with UCCU and United Way in getting into spirit of giving this holiday season by participating in the Giving Tree!

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President's Message October 2014

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Many people need breathing room when it comes to keeping monthly loan payments low – especially during the holiday season. The credit union has created a new home equity program designed to keep payments low and affordable. Payments on a $10,000 home equity loan are only $72.45 per month! So if you need to consolidate high interest loan payments, give a Home Equity Specialist a call at 801.223.7650 and see if a UCCU Low Payment Home Equity Loan can help! *


UCCU has continued to be “voted best” in 2014. Below are a few of the awards the credit union has received this year:

 We are happy to have such a great membership base of over 120,000 members, serving families locally and throughout the world. As a not-for-profit organization, we exist solely to serve the needs of our membership. Our mission is to help you make smart financial decisions by providing you services, information, and financial tools to help you set and reach your financial goals.

 At UCCU you can expect to earn more and pay less by taking full advantage of our services and benefits. Our qualified and experienced staff works diligently to provide the best banking experience possible – in person, over the phone, on your computer, and even on your mobile device.

 Thanks for making UCCU your trusted financial partner!

 As always, we are working hard to provide you with “First Choice” services and financial products and doing everything we can to help our members make smart financial decisions. We are your credit union – use us for all we’re worth!

 Jeff Sermon

*Assumes 10-year draw period and 15-year pack back period from last draw, property value 80% loan-to-value, primary residence, and located in Utah.  Repayment of $7.245 per $1,000 borrowed. Minimum payment of $50.00. Annual percentage rate may vary. Maximum Annual Percentage Rate (APR) 18.00%. Some restrictions may apply. On approved credit.

NMLS # 407653 

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Preparing Your Home for Winter

Fall is the best time to prepare your home for the coming Winter months. By following these helpful steps your home will be in tip top shape.

Restock on the essentials –  Don’t wait until  the first snowfall before you stock up on ice melt or salt. By being prepared with these items you can make sure your winter is as simple as possible. It’s also a good idea to have sand or kitty litter in your trunk in the snowy season. It can be used as a way to create traction if you get stuck in a snow drift.

Clean your chimney and fireplace – before you decide to use your fireplace for the first time this season, make sure you have a chimney sweep clean out your fireplace and make sure it’s fit for use. This will help prevent house fires and also carbon monoxide from leaking into your home.

Check your insulation, caulking,  and weatherstrips – The easiest way to make sure your home is comfortable and energy efficient is to make sure every crack, window, and exterior door is prepped and ready to keep out the snow and cold. Typically if the space between the sliding and window or door frames is more than the width of a nickel, you need to apply new silicone caulking. Silicone is the best type of caulking because it doesn’t warp or shrink with changes in weather. You can also add weather stripping around doors to help seal in the warmth.

Turn off exterior faucets – turning off exterior faucets keeps water from being trapped in your home’s pipe system and makes sure you avoid re-plumbing.

Check your gutters – The easiest way to cause damage is to forget to clean your gutters before the winter season hits. If there are leaves or other obstructions it will cause snow and water to build up and possibly damage your house. By cleaning out the gutters the water and snow can run off properly.

Divert water away from the house –  Add extensions to downspouts to help avoid damage to your home. By adding length away from your foundation at least 4-5 feet you can rest easy and avoid costly repairs.

Check your Heating System –  Beat the  repair rush by hiring a technician to inspect your furnace or heat pump before the Winter season begins. By making sure your system is working properly and efficiently you can be sure your heater will make it through the cold months.

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Having Fun and Staying Safe this Halloween

Halloween is a fun-filled time of year with candy, costumes, and decorations. That’s why it’s important to remember to stay safe.

 To help make Halloween a success this year, follow these easy tips:

  • Eat dinner before taking your kids out – Eating dinner gives your kids a balanced meal before they start their inevitable candy binge. Trying to wait until after you trick-or-treat is practically impossible.

  • Travel in groups – Try to see if other parents are available to go with you. It’s fun for the kids to be together and you can talk with the adults as well.

  • Pick costumes that fit– Consider your child’s safety when picking a costume. Having baggy, oversized costumes or shoes can be a tripping hazard. The last thing you need is a trip to the emergency room on halloween. Also be sure that wigs, masks, and beards or mustaches don’t obstruct your child’s breathing or vision.

  • Make your kids stand out – Do your best to make sure your kids are visible. Buy refelctive tape, light colored costumes, glow stick jewelry, and have flashlights for them to carry.

  • When your kids get home – Check all the treats to make sure they are sealed, and factory produced. Throw out anything suspicious or homemade that wasn’t made by someone you know.

  • Come up with candy rules – Give your kids boundaries when it comes to halloween candy. Find a place to keep the candy so you can control how much they eat.

Keep trick-or-treaters safe at your home too:

  • keep your yard clean – By making sure your yard is clear of hoses, ladders, flower pots or other debris, it will help keep kids from getting hurt while passing through.

  • keep your house lit – Keeping your yard and walkway lit helps let people know you want trick-or-treaters, and prevents kids from hurting themselves.

Happy Halloween!

From Utah Community Credit Union

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