Meet the Smart Family

MeetTheSmartFamily_5

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!

Share Button

Rollover Retirement $50.00 Gift Card

blogphoto-01

What do you want your retirement to look like?

Rollover your IRA or 401K account(s) and receive a  $50.00 Gift Card!

UCCU Financial Group available at Utah Community Credit Union can consolidate your 401(k) or IRAs and help you:

  • Help building a plan keeps us with a changing market and can adapt as your needs change;
  • A wide range of investment options;
  • Allocate, diversify, and rebalance in one portfolio;
  • Provide on-going monitoring to ensure you’re on track to meet your financial goals.

For additional information, please contact Steve Lloyd

Phone: 801-223-7502
Fax: 801-431-8188
Email: lloyds@peakfns.com
 
 
Share Button

The Best Utah County "Stay-cations"

'Staycations'

A Stay-ca-tion- is a vacation that is spent at home or around your local area involving trips to local attractions or activities in your own home!

Now that it’s almost summer time, it’s time for warmer weather, adventures, and vacations.  Are you in desperate need for a vacation but can’t afford it?  Utah county is full of amazing adventures that are exciting, fun, and affordable!  Here are some ideas you can do this summer to have the ultimate, Utah County “StayCation”.

Activities around Utah County:

  • Go On a Hike: Lucky for us, Utah County is full of beautiful areas that can be explored with a nice, relaxing hike.  This summer, make a bucket list and hike the “Y”, Bridal Veil Falls in Provo Canyon, or the Grotto in Payson Canyon.
  • Orem Owlz Baseball Game: Is there anything better than sitting under the lights watching a baseball game?  The smell of fresh cut grass, the warm weather, and hot dog is the perfect getaway!
  • Go Bowling: What a fun and engaging activity for friends and family!  Bowling is cheap, and convenient, especially in Utah County.  There are so many bowling alleys to choose from!
  • Go See a Movie: A movie is a nice way to take your mind off the stresses of life and getaway for a while!  Now that summer is coming, there should be some “Must See Movies” in the next couple of months.
  • Swimming: Pool, lake, pond, river, where ever you go, you name it, swimming is fun!  Take your family or friends to a local pool and give swimming a try!
  • Golfing: Competitive? Go golfing! Utah County has a variety of courses to choose from! Golfing can also be a way to get away from stress, and if your not into golf, try mini golf!
  • Go To a Park: Just getting outside relieves stress!  Get some rays on that skin and take your family on a picnic in a park!
  • 7 Peaks: What a great place to take you and your family!  7 Peaks Water Park is full of fun water slides, pools, and relaxing hot tubs.  If you want to cool down, go to the 7 Peaks Ice Arena, just next-door,  and give ice staking a try!

Staying at home ideas

Some of the best adventures can be found in the walls of your own home!  Here are some ideas you could use to transform your home into a resort:

  • Spa: Turn your boring bathroom into a luxurious spa!  All you need is a couple candles, bath salts, and maybe add Spa music from YouTube to complete the relaxing atmosphere!
  • Hammock– Hang up a hammock in your yard and enjoy the fresh air and a nice, cool summer breeze!    Be careful though, once you have settled in a hammock, you may never want to get out!
  • Camping: Go camping in your backyard!  Turn off all electronic devices and just enjoy the company of your family in the comfort of your own backyard.  You’ll be up giggling and talking all night!
  • Home cooked meals: Treat Yo Self!  It’s a StayCation for a reason, so teat it like so!  Make your favorite breakfast, lunch and dinner all within the same day!
  • Host a board game night: Invite friends and family to play games!  With the combination of appetizers, a deck of cards, and a couple board games, a game night could be the perfect getaway!
  • Movie Night: Turn your living room into a movie theater!  Make popcorn, buy candy, and if you want, roll out the red carpet!  If your feeling adventurous, have a theme night and have your family and friends dress up like characters from the movie!

Remember, you Do Not need to break the bank or travel far to have a memorable vacation.  Utah County is full of fun and exciting activities for you and your family.  Even staying at home will bring joy and relaxation to your life!  So enjoy your “Staycation” and save time and money!

 

 

Share Button

Shred Fest 2016

Shred-Fest-2016

Who is ready for another year of “Shred Fest”?  That’s right, Shred Fest is here again, which means all members can bring their personal documents and shred them for free!

What can you shred?

  • Old tax returns
  • Junk Mail with personal information
  • dated documents with personal information
  • Dated pay stubs with personal information
  • And any other paper documents you need to get rid of!

Please Do Not Bring:

  • Metal
  • Plastic
  • Cardboard
  • Binders

There is a limit of five boxes of paper per member.  Paper clips and staples are okay!

Shred Fest will be held on two days Saturday May 7th and Saturday May 14th 

Day 1: Saturday May 7th

When: 9am-12pm

Where: Riverwoods Branch 188 W. 5200 N. 84604

 

Day 2: Saturday May 14th

When: 9am-12pm

Where: Spanish Fork Branch 810 N. Main 84660

Don’t miss out!  Get your Shred On!

 

 

Share Button

President's Message April 2016

JeffSermon_2015

We are well into our 60 year celebration and many people are taking advantage of our Cash for You, Cash For Your School initiative. Don’t forget that for every loan you transfer to UCCU we will give you 0.5% cash back, as well as donate 0.5% cash back to the K-12 school of your choice. Tell your friends and neighbors and help support local education.

The Utah housing market is booming. There is significant demand for mortgage and construction services and consumers are continuing to build equity due to rising housing prices. With the growing population rate and the increasing demand for housing, appreciation rates have continued to rise and will likely continue to be favorable.

Trying to help your children get into their first home? It may be easier than you think. UCCU has our first time home buying program that takes the guesswork out of finding the home of your dreams.  UCCU offers support and resources to help you find the right loan product to suit your financial needs. Our BuyerRelax program offers access to mortgage experts who can answer any question – big or small.

It is our pleasure to serve you! We want to be your trusted financial partner now and into the future. Take full advantage of your membership by visiting with one of our financial experts. If you are not yet a member – become one and let the benefits of UCCU membership help you save money, make smart financial decisions, and propel you and your family closer to you financial goals and dreams.

Jeff's signature
Jeff Sermon
President/CEO

 

eNEWS_2016_01_promo1_v2

 

Share Button

Pay with your phone (3 Ways)

 

Pay-with-your-Phone

We are a mobile powerhouse here at UCCU!  We are offering every way to pay with Apple, Samsung and Android to make your payments almost everywhere.  Now you can add your UCCU debit or credit card to any of the mobile payment options and set up is quick and easy!  Find your smart phone manufacturer and follow the instructions below to set up your payment options in a few easy steps!

SP

Samsung Pay Setup:

  • Open the Samsung Pay app from your app tray and following the step by step instructions.
  • Add your UCCU Visa card with the snap of a photo.
  • Pay at nearly any store that accepts swipe or tap.

Learn more about Samsung Pay

AP

Apple Pay Setup:

  • Open your pre-downloaded Passbook app and follow the step by step instructions.
  • Add your UCCU Visa card with the snap of a photo.
  • Pay at any of the hundreds of participating stores.

Learn more about Apple Pay

AP1

Android Pay Setup:

  • Download the Android Pay app from Google Play and follow the step by step instructions.
  • Add your UCCU Visa card with the snap of a photo.
  • Tap and Pay at over a million stores that accept contactless payments.

Learn more about Android Pay

Making payments has never been easier or more accessible.  So give your wallet a break and see how easy and convenient mobile pay can be for you!

eNEWS_2016_01_promo1_v2

Share Button

AutoSmart: Ready For A New Ride This Summer?

Auto Smart blog photo

It is a beautiful time of the year.  The sun is finally warming things up, which means outdoor activities may take up a lot of your time!  Looking for a new car to enjoy this warm weather or a new truck to pull that nice boat?

But how stressful is buying a new car?  Researching, paperwork, test driving, comparing, etc.  The list goes on and on!  We want to eliminate that stress with our UCCU Auto Smart program.  We have professionals that help you every step of the way in your car buying experience.  We offer a concierge-like service that lets you choose exactly what you want, and then lets you sit back while our experts take care of the rest. Choose your model, set your budget, and avoid haggling with sales people as UCCU takes care of your automobile needs; all this can be done while sitting behind a computer in the comfort of your home!

Here are some benefits of the AutoSmart program:

  1. Low, member-only prices and special purchase incentive
  2. New vehicle no-haggle, no-hassle buying experience
  3. Instant online research and auto buying resources
  4. Pre-Owned vehicle search and incentives
  5. Fast, friendly UCCU member service
  6. Auto Spec and Price Comparison
  7. A new vehicle to cruise around in warm SUMMER WEATHER!

So relax this summer and let our AutoSmart program help you be stress free.  If you have any questions, or want to learn more, visit our AutoSmart Webpage.

eNEWS_2016_03_promo1 (002)

 

Share Button

March Loan Sale Tournament Challenge

 

MM tournament

Who is ready for the MADNESS!  Yes, it is that beautiful time of year where college basketball seems to be on everyone’s mind.  Here’s how it works:

Bracket Tournament Challenge

Selection Sunday has past, and now it’s time for you to fill out your bracket!  Click on the link below to fill out your bracket.

  1. Go to our March Loan Sale Page and click “Fill Out Your NCAA Bracket”
  2. Click on “Create Bracket Now”
  3. Sign Up with your name and email
  4. Then begin filling out your bracket

Brackets will lock as soon as games begin (Wednesday Night March 16th).  For every game guessed correctly, points will be rewarded.  Whoever has the most amount of points will have a chance to win these prizes!

  • 1st Place: Apple Watch
  • 2nd Place: FitBit Charge
  • 3rd Place: Amazon Fire TV Stick

So just visit our March Loan Sale Page and sign up for our Bracket Tournament Challenge! So good luck with your brackets!

Click here to sign up:

Bracket Tournament Challenge

 

eNEWS_2016_01_promo1_v2

 

Share Button

Helpful Tax Withholding Tips

Tax Witholding blog post

Tax Season: a phrase that usually comes with an instant headache and quick anxiety.  Even though taxes can be a complicated and often scary process, you can do more with your taxes than you think.

Benefits with collecting your tax refund on a monthly basis, rather than a yearly basis

So, are you employed?  If so, you probably filled out a W-4 form, which you fill out to show your employer how much to take out from your paycheck for federal taxes.  You may be withholding additional funds from your pay check, making April 15 an exciting time with a large tax return.  But every month, you are swamped with bills that have high interest rates, and that interest keeps building as time goes on.  If you could receive more money back on each paycheck, you could pay off those bills faster, you could cut your interest pay and save hundreds even thousands of dollars.  So instead of receiving a large sum once a year, adjust it so you receive it back on each pay check.

Fill out your W-4 form so your withholding corresponds to your tax liability, so you can take that money and invest it to something better.  Instead of “lending” the Government money, keep the extra cash and use it to pay off credit card debt, invest, or simply put it in a savings account.  Adjusting your withholding results in higher monthly income and allows you the flexibility you need on your finances.

Ways to spend your income tax refund

So, if you prefer your tax return once a year, how should you spend that extra cash?  Over 70 percent of Americans will get money back at the end of the tax year, with an average of $2,000*. Instead of trying your luck in Vegas, or buying a nonessential toy to put in your garage, consider these:

  • Invest!  Let your money do some work for you, and invest in something.  The stock market, for example, has a 12 percent interest rate, which can add up over time.
  • Pay for repairs on your home or car.
  • Make an extra home mortgage payment, which could save you money in interest down the road.
  • Place more into your retirement account.
  • Open a savings plan for a college education.

There are many beneficial ways to spend that extra cash.  Just remember, a tax refund is an interest-free loan to the government, and its simply money you’re missing out on every month.  Again, if you are receiving a large tax return each year, consider making some adjustments.  You may feel your tax return is a gift, but remember, each month your interest is building, and your losing a chance to pay that off every month.

For more help with your taxes, please click here for more information and guidance.  We have teamed up with TurboTax to make your life a little easier!

Sources
*http://balancepro.net/education/publications_taxes.html

eNEWS_2016_03_promo1 (002)

 

Share Button

Home Maintenance Tips

Home Maintenance blog post2

Spring is the time for home improvements and repairs. According to some experts, home repairs usually cost approximately $1,700 each year*.  That is a large amount of money, and without a plan, that amount could be devastating in the future.  Here are some reasons why you should make home improvements.

Home Maintenance = Home Equity

Buying a home is a great investment.  You buy a home, and most likely you eventually sell that home.  Putting a certain sum of money into your home each year improves the value, but also makes it more livable as time goes on.

“Be Prepared”

Disasters will happen whether it’s a leaking roof, water drainage, plumbing problems or termite damage etc.  How can you be prepared?  The rule of thumb for home improvement is putting away 1% of your home’s value each year.  For example, if your home is worth $175,000, you would put away $1,750 each year or $145 a month for home maintenance**. By doing so, you can plan accordingly for those incidentals that so often come with owning a home.

Home Upgrades

There are many ways you can improve and increase the value of your home. Home additions can make a space more functional while adding value. Another great spot in the house that offers the best return on investment is the Kitchen. Upgrading appliances, installing fresh tile, and upgrading your counter tops are some great ways to improve the value.

Funding Home Maintenance

Obviously home improvements are essential and cost money.  Planning a budget for home maintenance is not as difficult as it sounds.  In fact, there are many ways to create a budget like obtaining a home equity loan, taking out from a personal budget, or making a home maintenance savings plan every month.  Your home is a great investment, so take care of that investment, and make financial plans to make it better!

If you have any questions, or want to look into a Home Equity Loan, click HERE to visit our website for details.

Sources
*http://balancepro.net/education/publications/fixhomerepairmaintenanceplan.html
**http://go.hfcu.org/blog/bid/138553/Should-I-use-home-equity-for-maintenance-and-upkeep-of-my-house

eNEWS_2016_03_promo1 (002)

 

Share Button