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Spring/Summer 2018

Mortgage Seminars

This is your chance to attend a free Home Buying Basics Seminar close to you. We’re holding these seminars all across the Wasatch Front for the rest of the year.

When you attend you can learn all the tips and tricks you need to save money, find the perfect home, and get it under contract fast. Plus, you’ll make valuable connections with some of our Home Buying Experts who are ready to guide you through the purchase of your new home, from start to finish.

Visit uccu.com/seminars to see the schedule for the upcoming seminars and to RSVP.

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Be Fraud Smart: Online Fraud is Up!

Online fraud is up, but UCCU can help you be up to the task.

In today’s digital world, managing your life and finances is often as simple as clicking a few buttons on your laptop or smartphone. Unfortunately, it’s often almost just as easy for fraudsters to steal your identity and abuse your finances.

In fact, a recent study showed that fraud and identity theft are on the rise, up 16% from 2016 and costing consumers $16 billion dollars. Additionally, 2017 also set a new record for data breaches, with 1,339 financial cases on record.

Although no one is fully immune to the realities of fraud and identity theft, there are many things you can do to protect your family and UCCU can help!

Be Fraud Smart is a free, online resource that can keep your entire family informed about current scams, best practices to avoid fraud, and what you should do if you’ve fallen victim.

It’s all at uccu.com/BeFraudSmart right now.

In the meantime, here are a few steps you can take right now to protect your family and Be Fraud Smart.


The days of using “1234” or “password” as your password are over.

Each and every account you have should be protected by a unique password. An easy way to ensure that your passwords are safe and secure is by using a password manager smartphone app, which will generate unique and complex passwords, on demand, for all of your services and accounts while keeping your passwords safe and organized within the app’s secure vault.

Popular password manager apps include 1Password, Dashlane, mSecure, and LastPass. A popular password manager is also available within the Safari web browser.


Most operating systems and smartphone applications alert you when updates need to be applied but some devices, like network (WiFi) routers, require you to check for updates to firmware without being alerted.

In some cases, older devices should be replaced. For example, older smartphones can easily fall into a “no longer supported” category, which means necessary security patches and updates are no longer being developed. Check with your phone manufacturer for more details.


All of your personal computers should be running Windows 10 (if not, you should upgrade) and firewalls should be turned on. Additionally, Macintosh computers have become more of a target for viruses and malware than in the past.


Log in to your accounts frequently to monitor account transaction details. If you have transaction accounts at different institutions, you can use UCCU’s 360-View Financial Aggregation which allows you to monitor and manage all your accounts with a single login.


A credit freeze will prevent potential lenders from accessing your credit report (often for a price), stopping a thief from opening an account or getting credit, even if they have your personal information.


If you believe you are an identity theft victim or are at risk of becoming one, you can place a fraud alert on your credit report alerting potential lenders to verify the identity of anyone attempting to open an account in your name.


Monitoring services watch for signs that an identity thief may be using your personal information. For example, identity monitoring services may alert you when your personal information shows up in:

  • Change of address requests
  • Court or arrest records
  • Orders for new utility, cable, or wireless services
  • Payday loan applications
  • Check cashing requests
  • Social media
  • Websites that identity thieves use to trade stolen information


Most of us are so happy to find free WiFi when we’re out and about that we click past the Terms and Conditions without giving them much thought. But here’s something that should give us all pause: personal information that is sent or received through open wireless networks are typically susceptible to hacking with little to no effort.

Putting it another way: over 85% of all consumers may be putting their information at risk when using public WiFi. Be very careful when using any Free WiFi and always avoid sending any personal information over an open network.


It’s one of the oldest scams in the book because it works. Every year, trusting people send money to fraudsters for all kinds of phony reasons. It’s easy to believe it won’t happen to you and yet, millions of dollars are continuously lost to unsuspecting victims, simply because they believed they were doing the right thing by sending money to the wrong people.

So just don’t do it. Never, ever wire money to a stranger, even when that stranger claims to be acting in your best interests and especially when they use scare tactics to get you to pay up right now.


“Phishing” is the practice of pretending to be a reputable company or organization in order to convince you to reveal passwords, credit card numbers, social security number, or other compromising information. And fraudsters love to go phishing.

The fact is, no reputable company or organization is going to contact you
and request or demand your personal information (such as credit card or social security numbers). If you receive a call and you’re not sure if it’s legitimate, simply hang up and call the company or organization back directly…after looking up and confirming the correct number on your own.


If you don’t know who the email is from, don’t open a hyperlink or attachment.
No reputable organization is going to contact you and ask you for your personal information–even if it looks like it’s from your bank or other financial organization.


When shopping online, it’s best to stick with retailers and websites you know and trust. Before you shop with an unfamiliar site, do your research. Make sure it’s reputable prior to providing personal information.

If you install antivirus, firewall or spyware protection, be sure to turn the Auto-Update feature on so your software is always up to date against the most current threats.


As fraudsters continue to create innovative and devious ways to steal our information, it’s up to each of us to keep ourselves safe. Just remember the old adage: knowledge is power.

Visit uccu.com/BeFraudSmart today.

Travis Clegg
UCCU Fraud Expert

Travis Clegg is a Certified Fraud Examiner who has dedicated over 23 years to protecting UCCU members from fraudters and leads a team of fraud protection experts that help members avoid and recover from fraud.

As a thought leader in fraud protection, Travis provides timely insights about how to protect yourself from current scams, so make it a habit to visit uccu.com/BeFraudSmart often to stay informed and up-to-date on all the latest fraud tactics.

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BeMoneySmart: Help Your Kids Resist Impulse Spending

When it comes to being Money Smart, impulse spending is our common enemy.

Every parent knows it doesn’t take long for children to learn that the best part of having money is spending it.

When it comes to being Money Smart, impulse spending is kryptonite: the enemy we all have in common.

If you don’t believe it, consider how much money you make in one year and how challenging it is to achieve your financial goals or make ends meet.

Now consider the fact that 90% of us make occasional impulsive purchases while 40% of all consumer spending is impulse buying. In grocery stores alone, 20% of all items are bought the same way: on impulse. And the younger the shopper, the higher the number.

It’s no wonder that when it comes time to wait in line, grocery stores squeeze us into narrow checkout aisles that are jam-packed with magazine headlines, cheap toys and every type of candy imaginable…right at our children’s eye levels.

Teaching our kids how to avoid the pitfalls of impulsive spending will help them make smart decisions their entire lives. There’s really no age that’s too young to learn about the dangers of impulse spending. With businesses and marketing professionals constantly dreaming up new and inventive ways to make any child with a dollar salivate, the right time to start is now. Here’s how.


Sounds like a no-brainer, right? But regularly talking about money is a great way to not only help your kids learn what money is and how it works, but how to develop a healthy relationship with it.

If you find these conversations difficult to start because your child is very young, try a more hands-on approach.

The next time you’re at the grocery store with your child, ask them if they know why items cost different amounts of money. Help them understand why you, as a parent, need to think about the price of each of the items you’re buying. Show them your shopping list so they can see how much time and effort went into it. You can even make a game out of shopping by involving your child in your grocery decisions.


Most of our lives are filled with moments that demand patience and restraint in the face of making impulse purchases.

But here’s the good news: that’s great parenting. Once you invite your children into your grocery shopping, you’ll find endless educational opportunities.

Show your kids how you avoid impulse spending temptations at the checkout. Use coupons in front of them. Commit to not buying things you don’t need or can’t afford, especially in your child’s presence. If you’re trying to decide on a purchase, include your child. Encourage them to help you weigh the pros and cons.

Here’s an old classic almost every child will find relatable:

“I wish I could buy that but I don’t have enough money.”


Kids crave responsibility. An allowance can be a useful way to empower your child with the opportunity to make their own financial decisions and accept the consequences that come with them.

What’s the right amount of money for your child’s allowance? That’s up to you. Allowances can come with their own challenges so it’s important to establish an allowance system that works for your entire family.

Here’s a simple rule of thumb for teaching a child the value of avoiding impulse spending: aim for providing your child with enough money to get some of what they want, but not enough to escape making tough decisions.

In other words, set the stage for impulse purchase decisions that mirror lessons and emotions grown-ups deal with daily.


And no, this is not the same thing as a bribe. Incentives and rewards establish frameworks, beforehand, that empower kids to make smart decisions. Bribes merely pay kids off in a given moment, with little to nothing valuable learned. Here’s an example:

“In our house, cleaning the attic earns $5.” vs. “If you’ll clean the attic like I asked you to, I’ll give you $5.”

See the difference? Here’s a fun, educational activity that puts an incentive and reward framework into action:

When at a shopping location together, give your child a designated amount of money to buy something, like a piece of candy or small toy. Tell your child that they are going to be in charge of buying what they want with the money you’ve given them. And here’s the fun part…

Inform your child that whatever they don’t spend, they get to keep for the next time you come back or for any other reason. It’s a great way for your child to learn the ups and downs of spending impulsively vs. having money in their pockets. You may even learn a few things about your child along the way.


Like anything worth doing, helping your kids learn to avoid impulse purchases requires practice. Lots and lots of practice. After all, this isn’t just about making isolated financial decisions. It’s about empowering your child with a lifetime of smart, financial behavior.

Fortunately, you’re not alone. UCCU’s award winning BeMoneySmart program offers a lot of enjoyable ways to incentivize and reward your child’s smart spending and savings habits.

For example, when you open a SmartSaver Rewards account for your child, UCCU will give your child their very own SmartSaver Rewards deposit card. Every time your child makes a deposit (regardless of the amount), UCCU will punch the card, moving your child closer and closer to cash rewards.

The more deposits your child makes, the better the reward, giving your child more reasons than ever to avoid the temptations of needless spending.

For older kids who need a little extra motivation (like your teenager), consider opening a BeMoneySmart checking account that comes with its own VISA debit card. And before you drop this article in terror, consider this: a debit card enables you, as a parent, to monitor every transaction your child makes. You certainly can’t do that with cash. Monitoring and discussing your teenager’s spending can be an essential step in helping them learn to curb impulse spending on their own.


The more you work with your kids now, the better equipped and more empowered they’ll be to resist pointless spending for years and years to come. And whenever you need a little (or a lot) of help, we’re ready.

UCCU’s BeMoneySmart youth banking program is a fun and free resource that can help every child in your family learn to make smart decisions and master their spending and savings.

And for your kids who are skeptical about education being fun, you can simply watch The Smart Family, a short web series that follows one family’s hilarious adventures to becoming Money Smart. Every video is short, funny, and educational.

But don’t worry. We won’t tell your kids if you don’t.

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Unplug this summer: We’re all in this together!

How I’m going to help my entire family unplug more this summer – starting with me.

As a parent, I’m worried about how much time my kids are spending staring at screens. Of course, I’m not alone. According to a recent study from Common Sense Media, 77% of parents feel their teens get distracted by devices and don’t pay attention when their families are together.

That stat may not surprise you, but here’s one that might: according to that same study, 41% of teens feel their parents get distracted by devices and don’t pay attention when their families are together.

Now don’t get me wrong. I’m not going to lecture you about how I think technology is “bad” because I don’t. But my entire family is simply plugged in too much (OK fine, including Mom and Dad). TVs, tablets, smartphones, computers and on and on. And I know that when my kids are treated to long days with no school, the temptation to waste away those long summer days is stronger than ever for every member of our family.

This summer, I’m going to help my entire family unplug and I know just where to start: with me.


I don’t want to start with me. It would be so much easier to just tell my kids: “Turn off those devices!” But then I realize that in my home, a culture of staring at screens didn’t develop suddenly. These habits and behaviors have been cultivated and nurtured over time.

I know that If I’m going to get serious about helping my kids unplug this summer, I can’t plan for it to be easy and I can’t plan for it to happen overnight, but I can create a plan that’s realistic for all of us. After all, we’re all in this together!


That’s right. There’s not going to be any playing-Dad-against-Mom when it comes to our family’s screens this summer. We’re all in this together!


To my kids, creating a realistic plan to help my family unplug can sound an awful lot like: “I’m going to take away something that you love.” So I’m going to make sure my kids know better. That’s why we started with a family meeting that gave us a chance to make one thing crystal clear: this is not punishment.

Nobody’s done anything wrong. Mom and Dad aren’t trying to take away anything. We all love spending time with technology, even Mom and Dad (especially Mom and Dad!). We simply want to help our entire family get more: out of summer, out of life, out of each other.

This family meeting was also a great opportunity to involve our kids in the plan. We asked each of our children what types of technology they enjoy the most. That way, our family could customize our plan together and ensure a way for everyone to still do the things they want to do. We’re all in this together!


Have I mentioned that staring at screens is as much a temptation for me as it is my kids? It’s up to parents to lead by example and if I tell my daughter to turn off her tablet while I’m staring at my phone, what kind of message am I sending?

By making our plan together, we all agree to support each other in our efforts to unplug, and that includes accountability. We’re all in this together!


Here’s where the fun begins. If I’m going to expect my kids to stay off their screens, they’re going to need other things to do. Fun things to do. And I’ve always loved other, fun things to do, like listening to music, starting new projects and playing games. And I mean real games: the kind where your family looks at each other, talks with each other, and maybe even laughs with each other. You know, like they did in olden times.

It’s all about considering what type of fun your family likes to have and what kind of memories you want to make. And, of course, being ready to provide fun and interactive ways to make it happen, from simple indoor games and outdoor activities to excursions and vacations.


Like anything worth doing, unplugging my family is going to be a challenge.

Can I expect pushback? Absolutely. Tears? Possibly. Will I have to listen to my children complain? I have two ears, don’t I? But I’m not going to give in and I’m not going to give up because I know that just one lapse might be enough to convince my kids that we’re not really serious about this after all.

Of course, stuff happens, and I know I’m going to be faced with many moments of weakness, all summer long. But instead of collapsing under the pressure by plugging back in, I will be mindful in those moments, approaching each one as an opportunity to connect with my children and help them understand what it feels like to plug back into life.

Oh…you say you have nothing to do? Let’s build a fort! Bake some cookies! Play a game! Go for a walk! Dress up in goofy outfits and take pictures! Hey, have you read this book? You know what I loved doing when I was your age? Invite your friend over! Better yet, let’s see if we can swim in your friend’s pool!


Remember, this is supposed to be fun, and that’s easy to forget when everyone is suffering through technology withdrawal. But I’ve seen for myself that my kids are more present, more engaged, and more mindful when the screens are turned off (hey, just like Mom!) and I believe that both the journey and destination will be well worth it.

If my husband and I can help our kids understand for themselves just how great it feels to experience life in good old-fashioned reality (even just for one extra moment), I’ll consider this entire experiment an unqualified success. Besides, I know that if my kids don’t practice unplugging now, they may be even less inclined to try it on their own in the future.

So along with constantly reminding our children of how grateful we are for their efforts (and that we’re all in this together, naturally), my husband and I are establishing realistic ways to incentivize and reward them, including…


I’ve said it before and I’ll say it again: this is not punishment. This is an opportunity for our entire family to practice technology on our own terms, in more balanced, mindful, and healthy ways.

What better way to prove to my kids that we’re on their side than by allowing and even encouraging screen time? Structured, approved, mindful screen time.

Let’s not forget, we live in a digital world and technology is advancing faster than ever. Since we can’t fight the future, my husband and I are going to win the war at home, equipping our kids with the wisdom, experience, and support they’ll need to navigate technology their entire lives.

At least, that’s the plan, and we’re all in this together!

Guest Columnist: Lisa Valentine Clark

Lisa is a UCCU member, Utah Valley mom, and author of Real Moms: Making It Up As We Go. Check out her Instagram here: https://www.instagram.com/yourfunnyvalentine/

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UCCU Financial Group: Retirement Concerns for Women

Are you comfortable with your current financial situation? Do you have a clear plan for your financial future?

When it comes to planning for retirement, it’s no secret that women face a different set of challenges than men.

For example, women tend to live longer than men on average, which requires their retirement income to last that much longer.

Getting a holistic view of your wealth plan and way of life is critical for your overall financial success and future. Fortunately, we can help.

The UCCU Financial Group is available to review your current plan and provide valuable, practical guidance that can help you overcome the most common financial challenges facing women today.

Let’s talk about strategies to help with both your short- and long-term financial outlook. To schedule a free consultation, contact Steve Lloyd at (801) 223-7502.

Curt Willardson CFP®, CLU®, Dan Palmer, and Travis Morgan are registered representatives offering securities and advisory services 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: 3333 N Digital Dr., Suite 200, Lehi, UT 84043. Investments are not deposits; Not NCUSIF insured;
not insured by any federal government agency. Not credit union guaranteed. May lose value.
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Meet Bret VanAusdal – UCCU’s new President and CEO

At A Glance


  • Bachelor of Science, Business Management/Finance – Brigham Young University
  • Master of Business Administration – University of Phoenix
  • Western CUNA Management School


  • Executive Vice-President
  • Chief Operations Officer
  • Senior Vice-President of Lending
  • Commercial Loan Officer
  • Regional Branch Manager


  • Married for 37 years with four children and eight grandchildren

Bret VanAusdal is a true Utah native. In fact, he still lives in the same town where he was born and raised, Spanish Fork. It’s also where he raised his four children with Ann, his wife of over 37 years.

Bret has always been a numbers person and has dedicated his career to helping people better manage and master their finances. In April of 2018, after 34 years of experience in the financial industry, including 22 years at UCCU, Bret VanAusdal succeeded Jeff Sermon as UCCU’s President and CEO.

We sat down with Bret to get to know him and his plans for the credit union’s future.

When did you first learn you had an interest in banking?

Back when I was a Boy Scout in Spanish Fork, a local bank branch manager and well-respected member of our community helped us achieve our Personal Finance merit badge. That was my first experience with finance and dollars and it really resonated with me. I can remember thinking: “Someone will pay me to hold my money and keep it safe? What a fascinating concept.”

What does UCCU stand for?

People helping people, Inspiring smart decisions. That’s easy to say, but that’s who we are.

We truly believe we have a responsibility to help our membership make smart, well-informed financial decisions. We empathize with our members. We recognize they have unique needs, challenges, and opportunities. We share those challenges. We listen and do our part in trying to help them overcome those challenges. We will be a trusted financial partner.

What does it mean to be a trusted financial partner?

Trust means always having our member’s best financial interest in mind. It means designing products and services that meet their needs with competitive rates. It’s difficult to find value in today’s world and we see that as critically important. Being a trusted financial partner means adding real value to the lives of our members.

For example, as we went through the worst recession in the history of the nation, UCCU was able to help hundreds and hundreds of members through a difficult time and help them set their courses back on track, back on the path they desired.

We don’t want short term relationships with our members. We want them coming to us for all financial services. Even when a member moves away from our community, they can expect to still maintain their relationship with UCCU.

Simply put, a trusted partner does the right thing for the right reason. A trusted partner wants to be your partner for life.

Can you tell us anything about UCCU’s employees and Board of Directors?

Most of all, I want our employees to know just how important they are. They are the face of this credit union. Unlike their CEO, they’re the people our members meet day in and day out. They’re the people smiling, working hard, and helping members pursue their financial dreams.

As you know, our board members serve voluntarily, and you’d be hard pressed to find a better board of directors than at UCCU – paid or unpaid. All of them are successful leaders in their industries and communities. They put their good names and reputations on the line for the membership of this credit union, all because they have a passion for helping people. They make all of us proud.

What else makes you proud about being part of UCCU?

The thing that makes me most proud about being a part of UCCU is the way we’re meeting the needs of our membership. We work hard to design our products and services to meet those needs and our employees and our teams all work incredibly hard to deliver those products and services in a way that can improve lives and make it easy to do business with UCCU.

To all of our employees and board members, I want to say: Thank you for your service, passion, commitment, and your dedication.

And thank you, Bret! Finally, what can UCCU members, employees, and our communities expect in the next five to ten years?

That we will continue to be a leader in this community. We’re dedicated to that goal from top to bottom. We’ll keep making it easier, faster, and more convenient to do business with UCCU.

We’ve heard from many, many members over the years who have told us that when they joined this credit union, they became part of a family. They were treated like family. You treat family members right by doing the right thing. That’s what we do.

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What will you do with your HELOC?

Your house isn’t just a home. It’s an investment.

And with home values on the rise, a Home Equity Line of Credit— or HELOC, for short, might be the perfect way to put your home’s equity to work for you.

A HELOC is a line of credit, issued to you, based on the equity you have in your home. What can you do with a HELOC? Whatever you want! It’s your HELOC and your choice. And right now, you can get a HELOC from UCCU with no fees and a fixed, low rate you can lock in for ten years.

Here are three of the most common ways homeowners utilize lines of credit or HELOCs to maximize the growing equity in their homes:


A HELOC is a great way to consolidate and save money on higher interest loans, such as credit cards, and get out of debt faster. Simply lock in a low rate on a HELOC from UCCU and then use your HELOC to pay off your other loans, starting with loans with the highest interest rates.

With your new, low rate, you’ll save money during the entire life of your loan. And having your debt consolidated into one payment makes life easier.


From transforming the house you have into the home you want, to simply making those repairs you haven’t gotten around to yet (or haven’t been able to afford), a HELOC is your opportunity to put your home’s equity back into your home, which can both improve your house and possibly raise its value even higher.


Many homeowners open HELOCs and never use them. That’s the beauty of a HELOC. You’re never required to use or spend one cent of it. Having a HELOC means having the security and peace of mind of knowing you have a line of credit ready for a rainy day… even if that day never comes.


To open a HELOC, just visit uccu.com or stop by any UCCU branch. We’ll not only provide you with the lowest rate possible on a HELOC, we’ll lock in that low rate for ten years and we won’t charge you any closing fees. You’ll simply have a fixed line of credit, ready and waiting, for you to use – or not use – however you see fit.

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Former UCCU CEO receives honorary degree

Jeff Sermon, UCCU’s former President and CEO, received an Honorary Doctorate of Business from Utah Valley University as part of the school’s 77th commencement on May 3, 2018.

During the commencement, UVU Trustee Karen Acerson cited Sermon’s 42 years of service to this community and dedication to building UCCU, successfully leading the credit union through the great recession and through significant asset growth, from $400 million to $1.2 billion and membership growth from 91,000 to 170,000 members, while also highlighting his support of the university:

“Sermon fostered a deep and lasting relationship with UVU,” said Acerson, “including the development and implementation of the PlusCard student ID program and the Money Management Resource Center, which provides peer- to-peer financial counseling for UVU students, as well as financial support for buildings and programs across campus.”

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UCCU Provo Stadium Branch Moving

UCCU’s Stadium Branch in Provo is moving to Freedom Blvd in 2019!

PROVO, UT – Utah Community Credit Union (UCCU) has announced plans to begin construction on a new branch office in Provo, Utah.

Located at approximately 1535 North Freedom Blvd, the Provo Freedom Branch will feature the latest in digital banking convenience and education, three drive-up lanes, a 24-hour ATM, and convenient Saturday hours of operation.

“The Provo Freedom Branch is an exciting step in our evolution as a not-for-profit financial institution,” said Kimberley Henson, Chief Operations Officer for UCCU. “This branch will use the latest technology to offer our members an easy and carefully balanced experience of human interaction and technology.”

Construction on the Provo Freedom Branch is scheduled to begin this summer and be completed by fall of 2019. Upon completion, day-to-day operations will transfer to the Provo Freedom Branch from the credit union’s current Provo Stadium Branch office, located just north of LaVell Edwards Stadium.

“This new location is less than a mile from our Stadium office,” said Bret VanAusdal, UCCU President and CEO, “and we’re confident it will be much more convenient for the majority of our members living in central Provo.”

UCCU was founded on the campus of Brigham Young University in 1956, where it helped members for several years from a stair landing in the Harold R. Clark building. Growth eventually required the construction of the Stadium branch office in 1976 at which time the credit union changed its name from the BYU Federal Credit Union to Universal Campus Credit Union, or “UCCU” for short.

Today, UCCU is $1.3 billion in assets strong and serves over 170,000 members throughout Utah and around the world.

In addition to advanced digital media that will enhance the member experience, the new branch office will feature a timeline of UCCU’s history—from its humble beginnings on the stair landing of the BYU Harold R. Clark building to the present day.

Utah Community Credit Union is your dependable community partner offering the best rates, legendary service and a broad suite of innovative financial services that are available live or online.


PR Contact: Brad Norton
CMO, Utah Community Credit Union 801-223-7775

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President’s Message: Fraud Protection

Over my 35-year career in banking, I’ve often pondered what it means to truly be a trusted financial partner. In my new role as UCCU President and CEO, I think about this now more than ever.

To me, trust means always having our members’s best financial interest in mind. It means designing products and services that meet their needs with competitive rates.

Most importantly, trust is something that is earned. It comes from consistently doing the right things for the right reasons.

As UCCU moves forward with 2018, we do so with our eyes focused on continually earning the trust of our members and validating that trust by adding real value to their lives.

Speaking of trust, it’s no secret that the dangers of identity theft and other types of fraud are on the rise. As your trusted financial partner, UCCU is dedicated to doing everything we can to protect you and your family from this ever constant and evolving threat.

To that end, we’re excited to launch Be Fraud Smart, a free and informative resource that will help you learn what’s happening out there and how you and your loved ones can avoid identity theft and other methods fraudsters are using to try to separate you from your dollars. To learn more, see pages 5 and 6 of this magazine, or visit uccu.com/BeFraudSmart.

Thank you for giving UCCU the opportunity to earn your trust.

I reaffirm this credit union’s commitment to your best interests and to constantly innovating and improving the financial lives of our members. UCCU will continue to play an active role in making our communities even better places to live, work, and raise families.

It’s our hope that by continuing to do the right things for the right reasons, time and time again, UCCU will be your trusted financial partner for life.




Bret VanAusdal

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