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Visa

6.0% to Celebrate 60 Years

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At Utah Community Credit Union we are proud of our beginnings. If you haven’t heard by now, we are celebrating our 60th anniversary this year, and everyone in our community is invited to the party!

This isn’t a party with balloons and streamers. Better yet, our celebrations include gifts that keep on giving! Starting September 1st, and through the end of the year, UCCU’s Visa Credit Cards will offer a base rate starting at 6.0%*.

While everyone else has high interest rate credit cards, come celebrate our anniversary by taking advantage of this great rate!

*Credit card variable Annual Percentage Rate (APR) is based on the Prime Rate published in the Money Rates column of the Wall Street Journal. We will use the most recent index value available as of the 15th day of the month prior to any rate adjustment. If the index value is not already rounded we then round up to the next .25%. To determine the annual percentage rate that will apply to your account, we add a 2.5% margin to the value of the Index. Limited time offer. Federally insured by NCUA.
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Meet the Smart Family

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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!

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Last Chance to win a New Honda Ruckus!

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Use Your UCCU Debit or Credit Card!

Need a new ride?  We are giving away a Honda Ruckus’ model NPS50, the greatest summer vehicle!

How do you win?

Every time you use your UCCU debit, credit card or PlusCard, you get 1 entry into the drawing!  Use your UCCU card everywhere to get as many entries as you can.

When are we giving the Ruckus away?

We will be drawing the winners name on March 21, 2016 and giving the actual scooter away March 22, 2016.

How are we picking the winner?

The potential winner will be selected in a random drawing.  The drawing will consist of all eligible entries received during the entire promotional period.

So don’t miss out on this amazing opportunity!  Use your UCCU debit, credit, or PlusCard as much as possible to win!  This summer, you could be cruising on your new Honda Ruckus!

If you have any questions, please call us at 801.223.8188 or email us at questions@uccu.com

Click here for more information if you are a member

Click here for more information if you are a UVU PlusCard holder

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Safe, Free, and Convenient: Visa Checkout

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V.meAs online shopping becomes more commonplace, online security naturally becomes more of a concern. However, with Visa’s V.me program, your financial information is protected in a safe, free, and convenient way. It eliminates the hassle of having to repeatedly enter card account numbers, billing, and shipping information.

Safe

V.me is a way for you to enter your credit card information only once, on Visa’s secure network. V.me becomes the third party through which all your online purchases are made. So instead of entering your UCCU card information each time you pay on a new site, your information is securely uploaded when you click on the Visa Checkout Button.

Free

Signing up for V.me is free. There are no hidden fees or annual membership fees associated with it.

Convenient

It is convenient to know that there is one place your information resides and through which all transactions will be processed. V.me also stores your shipping and card information, so you don’t have to enter it afresh every time you make a purchase.

Visit V.me for more information and to get your account started. The FAQ page can also be accessed for further inquiries.

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The Advantages of Mobile Banking

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There’s nothing wrong with being old school. If you’ve got a paper and pencil system that works for your finances then by all means stick with it–but  it can’t hurt try mobile banking to see how easy and efficient it can be.

Here are some possible incentives to at least giving it a shot:

  • You are better protected against identity theft since you typically are in touch with account activity more immediately.
  • It’s easier to track your balances since you have many different ways to access account information.
  • It’s better for the environment because of the lack of paper.
  • You are less likely to suffer overdraft or over-limit fees since you can access your account information easily and at any time.
  • You won’t ever suffer from insufficient funds or other problems due a mistake in your math or record-keeping.
  • UCCU allows you to deposit checks or perform other tasks through our mobile app eliminating an extra trip to your local branch.
  • Mobile banking is completely free.
  • There’s no waiting in long lines.
  • Mobile banking can be done at any time day or night.
  • Automated online bill-paying features mean never forgetting a bill that’s due. Plus, you don’t have to buy stamps or manage the mess of a bunch of paper bills floating around.
  • Transferring money between your accounts literally takes seconds.
  • Sending money to others is easy and quick. Once you set up a connection between your account and that of another person, you can transfer funds instantly.
  • Mobile banking makes it easy to access your money no matter where you are.

Mobile banking is secure, easy, and free. Download our mobile app today and make your banking experience as convenient as it should be. Visit UCCU.com/mobile for more details.

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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 ID to make purchases with a single touch of your finger.

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. Set up is easy. Simply take a picture of the UCCU credit or debit card in your Passbook app or type in the credit or debit card information manually and follow the prompts. In minutes you can be ready to go.

Apple Pay also allows you to pay within apps as well. All you need to do is select Apple Pay and place your finger on TouchID.

Every transaction you make with Apple Pay is protected by a transaction-specific dynamic security code. Plus, with Apple Pay, you no longer have to worry about exposing your personal information to the cashier.

UCCU is excited to share this news with our members. Add your UCCU debit or credit card to Apple Pay today!

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Black Friday Loan Sale 2014

How the Black Friday Loan Sale Works

UCCU’s Black Friday Loan Sale is almost here! On Friday, November 28th and Monday, December 1st at Midnight head to uccu.com/BlackFriday and enter your name, phone number and e-mail address and then select which deals you would like to lock in. You will then receive a confirmation e-mail with a personalized promo code that will allow you to redeem your deals in one of our 18 conveniently located branches.

For questions or more information visit uccu.com/BlackFriday or call 801-2238188

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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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Visa Checkout – The Easier Way to Pay Online

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Shopping online can be a fun, convenient way to buy the things you need and want from the comfort of your own home. Visa has rolled out a new digital payment service called Visa Checkout, designed to simplify the checkout experience. Using a secure, single sign-on process, customers can order whatever they choose without the hassle of entering their personal and billing information.

There are just three easy steps to setting up a new Visa Checkout account:

1. Create a username and password

2. Enter your payment and shipping information once.

3. Look for the Visa Checkout button and speed through your purchase with a single login

You never have to worry when you use Visa Checkout because of the security measures in place. Visa Checkout uses multiple defenses, including fraud-monitoring systems and encrypted tokens using SHA256 hash algorithms to help keep your personal information safe.

Visa Checkout accepts any major credit or debit card so you can check-out easily and securely using the payment method you prefer quickly and efficiently.

For more information about Visa Checkout visit checkout.visa.com

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President’s Message September 2014

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Credit Card Fraud abounds but EMV Chip Technology is NOW AVAILABLE AT UCCU.

Recent news reports reveal yet another disturbing instance of a security breach at a very large retailer jeopardizing customers’ financial accounts and information. Very talented crooks have been repeatedly successful at hacking into data systems and stealing valuable personal and financial information from customers who have shopped at that business.  This information is then sold to other crooks and fraud is committed against innocent people who suddenly find that their accounts are emptied and their financial world is in shambles.  Eventually, the cardholders will be reimbursed and ultimately they will not be out any money – but they will have gone through days and weeks of hassles, phones calls, explanations, and a great deal of stress.

Who Pays for the Fraud?

Who gets left holding the bag and suffers the financial impact of this fraud?  The financial institution who issued the card is financially responsible for the losses. These losses amount to millions and millions of dollars each year. When fraud is committed against members of UCCU – we are quick to help you fix and protect your account, reimburse you for the loss, and help you set up safeguards and maybe even a new account. But UCCU must also cover the financial loss. Last year at UCCU, this amounted to over $200,000. You would think that the retailer whose system contained the private financial information and was compromised would be responsible for covering the loss – but that’s not the case.  Here at UCCU we go to great lengths to protect your financial information. Our security team has ensured that we have had no breaches. However, please keep in mind, UCCU has no control over how retailers store your information or how well they secure it on their systems.

EMV chip technology, the most powerful line of defense against credit card fraud.

 New, powerful EMV (Europay, MasterCard, VISA) Chip Card technology is widely used in Europe and other countries in the world to reduced credit card fraud.  EMV chip cards can be identified by their embedded microchip – essentially a tiny computer.  The microchips communicate with EMV-enabled point-of-purchase card readers.  Unlike magnetic stripe cards, which can be duplicated, EMV transactions create unique transaction data for each purchase, so that any captured data cannot be used to execute new transactions.  This new EMV Chip Card technology is a valuable tool in preventing fraud and all the hassle and stress that go along with it.

Another First for UCCU! – We Have the EMV VISA Chip Credit Card

It shouldn’t surprise you to know that Utah Community Credit Union already offers members the EMV VISA Chip Credit Card. We have had it for months – in fact, we were the first financial institution in the State of Utah and sixth in the nation to offer the EMV VISA Chip Card. And yes, it’s free to members.

Unfortunately, the benefits and safety of this chip card technology is only available to you at the few retailers with the most up to date card readers. When more retailers get onboard, UCCU members will be ready with a UCCU EMV Chip Card in-hand.  UCCU members have already used the UCCU EMV Chip Cards in Europe and other countries that use the chip card readers. They work very well and provide you and the credit union high levels of protection against fraud.

 

If the retailers you frequent do not have the EMV Chip Card Readers installed and functioning, ask and encourage them to get it so that you, as a consumer, are more protected.

A “Silver Lining” in the Recent Credit Card Fraud

If there is anything positive about the recent cyber fraud at huge national retailers like Target, T.J. Maxx, P.F. Chang’s, and now Home Depot, it is that awareness of the problems and possible solutions has risen. Huge retailers have suffered negative PR and have lost sales. As a result we finally see major retailers beginning to deploy the chip card technology! WalMart and Target now have chip card readers in their stores. We will soon see many other retailers join the trend. That means better financial protection for you, the credit union and all consumers.

Debit Cards with EMV Chip Technology Coming Soon at UCCU

In addition to the currently available UCCU EMV VISA Chip Credit Card, UCCU will be adding the EMV VISA Chip Debit Card as soon as VISA and the networks are capable. We’re waiting on them. We expect to be one of the first institutions to provide these to our members.  In the meantime, EMV VISA Chip Credit Cards are available now at UCCU.  Taking advantage of these Chip Cards and the safety they provide will protect you and the credit union against loss and financial trauma.

Another Level of Protection

Another way that members of the credit union are protecting their identity and financial information is with UCCU’s LifeLock®, the industry-leader in identity theft protection, to help safeguard your good name and your financial security. This partnership means UCCU members can sign up for LifeLock® services directly through the credit union and receive a 10% discount on LifeLock’s award winning identity monitoring and theft protection services. Call or visit us to enroll.

As always, we are working hard to provide you with “First Choice” services and financial products.  We are your credit union – use us for all we’re worth!

Sincerely,

Jeff Sermon
President/CEO

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