UCCU Financial Group


Here at UCCU, we value our members more than anything.  We understand and realize how important your financial future is, and we want to assist you along the way.  UCCU Financial Group helps you find the best financial options, and provides a better understanding of the financial opportunities available to you.  So what are your options?

Investments & Life Planning

Our mission is to put you in control of your finances and your future.  That’s why we have partnered up with Cetera to give you the best options.  Options include: Mutual Funds, Life Insurance, REIT (Real Estate Investment Trust) Stocks, Bonds, and Social Security Maximization.

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Senior Insurance 

Senior Insurance can be difficult, confusing, and downright complicated, but with UCCU, we make it easy.  Senior Benefits Insurance Services will cover you for the short and long-term goals you have in mind, and guide you through Medicare, Long-Term Care, Recovery Care insurance, and Senior Dental offerings.

Senior Benefits

Health Insurance

With so many options to choose from for Health Insurance, which is the best road to take?   Miller & Wade, one of Utah’s largest insurance agencies, can offer a full suite of insurance products to both individuals and businesses.  Miller & Wade offers: Individual Health Insurance, Individual Dental Insurance, Individual Supplemental Insurance Plans, Individual Short-Term health Insurance Plans, Individual Vision, Group Dental Insurance, Group Life Insurance, Group Disability, Group Vision, and Group Supplemental Insurance Plans.

Miller Wade

Auto, Home, AD&D Insurance 

The harsh reality is, unexpected accidents may occur at any given time.  Are you prepared for the future?  Luckily, Auto and home insurance protects against damage infliction on your home or car.  AD&D also safeguards your family’s financial security against accidental death or dismemberment.  TruSTAGE can help you find the best options for Auto Insurance, Home Insurance, and Ad&D Insurance.


We care about our members, and their future.  Let us assist you in your financial future, and help you find the best options for you, and your family. Whether you are trying to be a shareholder for a corporation, or simply trying to find the best health insurance option, we are here to help!  So please visit our UCCU Financial Group link today for more information!

If you have any question, click HERE for more information, or call us at 801-223-8188, or email us at questions@uccu.com



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Take the First Step – Start Planning Your Financial Future

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TruStage Insurance Offerings



Insurance protection is part of a solid financial plan. Dependable coverage helps ensure financial relief when you need it most. TruStage, in partnership with UCCU offers you access to services and resources to help protect you and your family from the unexpected and give you comfort knowing you’re taken care of.

With nearly 80 years of experience working with Credit Unions, TruStage has a variety of insurance products and programs available to members like you.

Accidental Death & Dismemberment (AD&D)

One of the nice benefits of UCCU membership is a no-cost TruStage Accidental Death and Dismemberment (AD&D) insurance policy from CMFG Life Insurance Company. AD&D coverage pays you or your loved ones a cash benefit after an accident results in a covered injury or loss of life due to an accident. You can get $1000 of coverage, paid for by UCCU, and provided by CMFG Life Insurance Company. You can also get up to an additional $300,000 AD&D coverage from CMFG Life at affordable rates by signing up online for your no-cost or additional protection.

Auto Insurance Program

Working with carefully selected auto insurance partners, the TruStage Auto Insurance Program can provide discounted rates for UCCU Members, online services, and a 24/7 claims service.

If you haven’t compared auto insurance lately, it’s a great time to take a look. Your UCCU membership could result in some nice savings. For more information you can get a  quote online.

Homeowners and Renters Insurance Program

Working with carefully selected insurance partners, the TruStage Home Insurance Program can provide discounted rates for UCCU members. Whether you’re renting, or you own your home you’ll get quality coverage including: liability, personal possessions and additional living expenses. You’ll also get the convenience of online servicing and 24/7 claims service.

Right now is a great time to take a look into what TruStage can offer you. Your credit union membership could result in some nice savings.

For more information on homeowners and renters insurance you can go online and get a free quote.

Life Insurance

TruStage also offers Life Insurance policies to help you protect the people who matter most in your life. With many different options in whole and term life insurance on the market it may be a good time to look into this coverage. TruStage has plans and policies with affordable rates to fit your budget and help you plan for the future. To learn more about this important coverage you can go online or call 1-855-612-7909.

At UCCU we want you to understand all of your options and try to get you the best rates on the things that matter most. For more information about CMFG’s TruStage programs call 1-855-483-2149 or to talk to a UCCU professional call 801-223-8188.


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President's Message January 2015


As 2015 gets underway we note the relatively strong local economy. Unemployment is low, job creation is positive, population growth is strong, and consumer confidence continues to rise. Of course, our local economy is still impacted by the national and … Continue reading

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Retirement Matters

Retirement living conjures up various images. Some see retirement living as traveling. Others envision more family time. Still others simply look forward to more free time. No matter what your view, there are a number of questions and concerns that should be addressed to help you better prepare for retirement living. Because in order to pursue your goals and dreams for retirement, it is necessary to determine a strategy for your future. Otherwise, your choices may be limited and your options few.

 The UCCU Financial Group provides a wide range of services with the primary commitment of helping our clients pursue their unique financial objectives. We want to help you develop an overall strategy tailored to your goals, risk tolerance, and time horizon.

 Our firm is dedicated to helping individuals evaluate their financial situations. We want to provide people with tools that can help them make informed decisions. We offer informational material on a wide range of topics because we understand that individuals have diverse financial needs. If you have any questions or concerns during the course of this presentation, we invite you to take advantage of our complimentary consultation. During the consultation, we can discuss your questions and begin the process of helping you develop a financial approach that will address your individual needs.

 Keep in mind that the information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult a professional for specific information regarding your individual situation.

Learn more at: www.ucinvestmentservices.com
Or, contact Steve Lloyd at (801) 223-7502 to set an appointment with one of our financial professionals.
Curtis Willardson, CFP, CLU, Daniel O Palmer, Stephen Martin CFP, CLU, ChFC and Travis Morgan are registered representatives offering securities and and advisory services offered through Cetera Advisor Networks LLC, member FINRA/SIPC. David Palmer is a registered representative offering securities through Cetera Advisor Networks LLC, member FINRA/SIPC.  Cetera is under separate ownership from any other named entity. Registered address: 188 W River Park Drive, Provo, UT 84604.
Not NCUA/NCUSIF Insured – No Credit Union Guarantee – Not A Deposit – May Lose Value
Not Insured By Any Federal Government Agency.
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President's Message November 2014

As the holidays approach and our lives become busy it’s important to enjoy this special time of year. UCCU wishes you the best and we hope you have a safe and delightful holiday season.

UCCU Prepares to Offer Apple Pay    

Many members have been interested in knowing if the credit union is onboard to offer Apple Pay – and the answer is yes. UCCU is in queue to provide Apple Pay as soon as Apple expands its service. So far we do not have timeline from Apple, but we will provide more information as we receive it.

 Some things to know about Apple Pay – so far the list of businesses that can and are willing to receive Apple Pay is very limited. These businesses must have near field communication (NFC) technology to accept this form of payment. The reality is that many businesses currently do not have this technology, and some of the business that do have refused to offer Apple Pay at this time – such as Wal-mart, Rite Aid, CVS, and others.

 UCCU believes that payments using a smartphone versus a traditional plastic debit or credit card is likely the future. The credit union will strive to adopt technology, including Apple Pay, as long as your information is protected. Our goal is to provide you with the most convenient way of making purchases and helping you stay protected along the way.

 For more information on how Apple Pay works, click here.

Smart Decision Magazine

The credit union recently published the Smart Decision Magazine Fall edition. The magazine is filled with information to help you and your family be inspired to make smart decisions – both financial and life decisions. One of the great articles in this magazine is about how we can all help to stand up against bullying. This article written by Greg Hudnall, Executive Director of HOPE4UTAH. The article is informative and provides his expert advice to stop bullying in our schools and community.  Click here to view a digital version of the magazine.

Do you know your Medicare options?

The answer is – probably not. That’s why the UCCU Financial Group is offering free Medicare information events held at the UCCU Center on November 12th or December 2nd. The UCCU Financial Group lead by Senior Benefits has teamed up with United Health Care, Select Health, Coventry Health Care, and Regence Health Care to help inform our community about their options during the open enrollment period from now until December 7. Arrive early as seating is limited and get all of your Medicare questions answered by this team of professionals.

For more information, click here.

Thank you for your membership at Utah Community Credit Union. We work hard to be your trusted financial partner for products and services and hope you take advantage of everything we offer.

Jeff Sermon
CEO / President
Utah Community Credit Union

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Rebalancing Your Portfolio

Everyone loves a winner. If an investment is successful, most people naturally want to stick with it. But is that the best approach?  It may sound counter intuitive, but it may be possible to have too much of a good thing. Over time, the performance of different investments can shift a portfolio’s intent – and its risk profile. It’s a phenomenon sometimes referred to as “risk creep,” and it happens when a portfolio has its risk profile shift over time.

When deciding how to allocate investments, many start by taking into account their time horizon, risk tolerance, and specific goals. Next, individual investments are selected that pursue the overall objective. If all the investments selected had the same return, that balance – that allocation – would remain steady for a period of time. But if the investments had varying returns, the portfolio over time may bear little resemblance to its original allocation.

 How Rebalancing Works

Rebalancing is the process of restoring a portfolio to its original risk profile.  There are two ways to rebalance a portfolio. The first is to use new money. When adding money to a portfolio, allocate these new funds to those assets or asset classes that have fallen. For example, if bonds have fallen from 40% of a portfolio to 30%, consider purchasing enough bonds to return them to their original 40% allocation. Diversification is an investment principle designed to manage risk.  However, diversification does not guarantee against     a loss.

The second is to sell enough of the “winners” to buy more under-performing assets. Ironically, this type of rebalancing actually forces you to buy low and sell high. Periodically rebalancing your portfolio to match your desired risk tolerance is a sound practice regardless of the market conditions. One approach is to set a specific time each year to schedule an appointment to review your portfolio and determine if adjustments                 are appropriate.

Learn more at: www.ucinvestmentservices.com/newsletters.cfm

 Or, contact Steve Lloyd at (801) 223-7502 to set an appointment with one of our    financial professionals.

Curtis Willardson, CFP, CLU, Daniel O Palmer, and Stephen Martin CFP, CLU, ChFC are registered representatives offering securities and and advisory services offered through Cetera Advisor Networks LLC, member FINRA/SIPC. David Palmer is a registered representative offering securities through Cetera Advisor Networks LLC, member FINRA/SIPC.  Cetera is under separate ownership from any other named entity.                                                               Registered address: 188 W River Park Drive, Provo, UT 84604.

 Not NCUA/NCUSIF Insured – No Credit Union Guarantee – Not A Deposit – May Lose Value Not Insured By Any Federal Government Agency.
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Securing Social Security Seminars – UCCU


Our Social Security Seminars offer a unique overview of the Social Security program. We discuss Social Security basics along with strategies to maximize your benefits and help you “DESIGN YOUR OWN PLAN.” Our informative seminars will answer questions you might have about Social … Continue reading

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Upcoming Seminars


In an effort to provide educational resources to our community, a UCCU Financial Group approved partner, Senior Benefits Insurance Services (SBIS), is hosting no-cost, no obligation, one-hour “Medicare 101” presentations. These seminars will take place at the following locations over the next several months: … Continue reading

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