UCCU Financial Group

SC

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.

TruStage

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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Apple Pay is Now Here!

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The wait is over; UCCU members can now use Apple Pay with UCCU’s credit and debit cards. From now on, you never have to search through your wallet to find the right card. Instead, Apple Pay allows you to use Touch … Continue reading

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Take the First Step – Start Planning Your Financial Future

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TruStage Insurance Offerings

TRUSTAGE BANNER

 

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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Spinal Interventions

Chronic pain solutions and drug detoxification

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UCCU is proud to be the business banking partner for Spinal Interventions, a unique medical treatment center in Provo that provides advanced solutions for chronic pain.

Dr. Daniel Faber, founder of Spinal Interventions, first became a member of UCCU in 1977 while attending BYU (when the credit union was still known as Universal Campus Credit Union).

Today, over 35 years later, the financial relationship is still going strong. We sat down with the doctors at Spinal Interventions to discuss their approach to treating chronic pain. “There are many effective modalities available for chronic pain of all types,” said Dr. Daniel Faber, founder of Spinal Interventions.
“We focus on non-surgical and non-narcotic solutions.”

While prescription narcotics often provide short-term relief from physical pain, addiction and dependence can be an unintended long-term consequence. The doctors and nurses at Spinal Interventions work closely with patients to develop chronic pain solutions that are both effective and drug-free. Modalities include physical therapy, cognitive therapy, and multiple types of injection techniques.

Spinal Interventions also offers drug detoxification services. “Our goal is to truly understand what our patients are suffering from,” explained Dr. Faber, “and provide treatments that can really help them manage and overcome their pain.”UCCU is thankful to have these dedicated professionals working to improve the quality of life for those who suffer in our community.

To learn more, visit spinalinterventions.com.

Spinal Interventions 280 W River Park Dr.
Suite 200
Provo, UT 84604

With over 60 years combined experience serving businesses of
all sizes, the UCCU Commercial Lending Group is ready to help
your business succeed.
801.223.7620 | commercial@uccu.com
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Distributions From Retirement Plans

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If you’re like many Americans, you’ve been setting aside money for your retirement. Now that you’re near­ing retirement age, it may soon be time to start drawing money from your qualified retirement plans. Withdrawing money from a retirement plan is called “taking a distribution,” and there are a variety of ways to do it. We’re going to review several approaches.

UCCU Financial Group provides a wide range of services, with the primary commitment of helping our clients pursue their unique financial objectives. Our firm wants to help you develop a financial strategy tailored to your goals, values, and risk tolerance.

Some retirees may have several sources of income. Among them are retirement plans, such as traditional IRAs and Roth IRAs, as well as 401(k) and 403(b) plans. Of course, you may receive Social Security ben­efits and some people also have other investments and savings that they intend to use during retirement. If you’re nearing the age when you may consider drawing money from your qualified retirement plans, you face a number of important distributions decisions.

Remember, withdrawals from traditional IRAs, 401(k)s, and other employer-sponsored retirement plans are taxed as ordinary income and, if taken before age 59½, may be subject to a 10% federal income tax penalty. Generally, once you reach age 70½, you must begin taking required minimum distributions.

To qualify for the tax-free and penalty-free withdrawal of earnings, Roth IRA distributions must meet a five-year holding requirement and occur after age 59½. Tax-free and penalty-free withdrawal also can be taken under certain other circumstances, such as after the owner’s death. The original Roth IRA owner is not required to take minimum annual withdrawals.

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 or by email: Steve Lloyd lloyds@peakfns.com 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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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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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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