AT UNITED FINANCIAL

Intheformer

April 2018

you deserve more and you get more at united financial credit union

IN THIS ISSUE

? Finance Your Dreams at ? Covenant Kids Fundraiser

United Financial

? Holiday Closings

? National Credit Union Youth Month

? Gain Greater Financial Freedom and Security with

? The Annual Meeting Was A Direct Deposit

Great Success

? Club 64 Trip

? Neighborhood Improvement Program

? Member Appreciation Day

? Grow Your Savings with Our CD Special

? Income for Life: Guaranteeing Retirement Income To Last A Lifetime

? Walleye Festival Race

Finance Your Dreams

AT UNITED FINANCIAL

Whether you're dreaming of a grand vacation or considering the purchase of a home, vehicle or other big purchase, United Financial Credit Union can help you get the financing you need to make even your biggest dreams come true.

UNITED FINANCIAL LENDING SOLUTIONS INCLUDE:

? Mortgage Loans ? Home Equity Line of Credit ? Auto Loans ? Recreational Vehicle Loans

? Personal Loan ? Credit Cards ? Student Loans ? And More!

Visit or stop by the Credit Union to learn more about our lending solutions today.

National Credit Union Youth MonthTM

Every child dreams about their future. Some of those dreams may require money to come true. One way you can help your child achieve their dreams is to help them learn how to save money, and Youth Month at your Credit Union is the perfect opportunity to start! We invite you to bring your child in to the Credit Union throughout the month of April as we teach and encourage our young members to develop good financial habits.

It's never too early for children to start saving with a credit union account, so if your child, grandchild, niece, or nephew doesn't have an account yet, be sure to bring them by during Youth Month to open one. They'll love everything our youth accounts have to offer!

? REPORT CARD REWARDS ? DIME-A-SAURUS COLORING PAGES ? YOUTH NEWSLETTER ? PUNCH CARDS: for each deposit of $2 or more, your child will receive 1 punch. When the card

is full, your child will receive $10 in his/her account! Limit 1 card per quarter. ? MONTHLY SAVING CHALLENGE FOR JUNIOR SAVERS: each deposit of $5 or more earns your

child a chance to win a monthly prize! ? JUNIOR SAVERS DAY: Every 2nd Wednesday of the month, stop in for treats,

double punches and free coin counting! ? YOUTH CD: once they have $100 saved up, they can start a Youth CD.

This special CD currently pays 3.00% APY and they can deposit $100 and continue adding to it until it reaches a maximum of $2,000.

PLUS, any new youth account opened during Youth Month will receive a $10 gaming card for the Bavarian Lodge Fun Center and a free round of Mini Golf!

APRIL 1-30, 2018

HOLIDAY CLOSINGS

MEMORIAL DAY Monday, May 28 INDEPENDENCE DAY Wednesday, July 4

CLUB 64 Trip!

For Members Ages 64 and Better!

Monday, July 23rd Loons Baseball Game at Dow Diamond COST: $10.00 per ticket

Join us for a Loons Baseball Game with transportation provided by Stretch Limo. Game Time: 12:05 PM ? Bus will leave the State St office at 10:30 am

Limited seats available- All tickets will receive a $5 food voucher. RSVP by July 5th. For more information or to RSVP- contact the credit union at 989777-3620 or send email to marketing@ .

55 Annual Meeting

THE ANNUAL MEETING WAS A GREAT SUCCESS!

Our 55th Annual Meeting, held March 3, was a great success! Thank you to all our guests, as well as our sponsors listed below. If you were unable to attend the 2018 Annual Meeting, we hope you will make plans to join us next year!

? American Solutions for Business ? Bavarian Inn ? Spectrum Reach ? Choice Office Products ? Chronicled Keepsakes

Photography ? Pintown Lanes ? Family Rexall ? Answer Heating & Cooling ? TSSF Architects ? Saginaw Spirit ? Alpha Media ? Severance Tool ? Benefits Plus ? Saginaw Bay Area Title ? Gayle Green Flowers and

Chapel

? Dobis Landscaping ? Informa Business Solutions ? Cumulus Media ? Master's Tool & Die ? Hi-Tech Steel ? Great Lakes Loons ? LaClair Sales ? Showcase Auto Sales ? Garber Buick ? Lamplighter Flower Shop ? Shiawassee Sports Center ? Gobeyn's ? Bridgeport Towing and Repair ? Cuthbertson Farms Freezer Beef ? 4 Wheel Buy ? Herbert Roofing

NEIGHBORHOOD Improvement Program

Whether you're looking to make improvements to your current home or considering the purchase of your first home, the Federal Home Loan Bank Neighborhood Impact Fund (NIP), Accessibility Modification Program (AMP), or Federal Home Loan Bank Homeownership Opportunities Program (HOP) may be just what you need to get behind your dreams.

NIP ELIGIBLE IMPROVEMENTS

? Heating and air conditioning ? Well/septic system ? Water heater ? Plumping systems ? Windows, siding, roofing, exterior

doors, and insulation

AMP ELIGIBLE IMPROVEMENTS

? Handicap ramps ? Handicap bathroom and kitchen

modifications

HOP HIGHLIGHTS

? Down payment assistance up to $8,000.00 ? First-time homebuyer ? Homebuyer must contribute $1,000.00 of their

own funds toward the purchase ? Homebuyer must complete a counseling/

education program prior to loan closing ? Homebuyer(s) must demonstrate at least 1 full

year of employment with current employer

Contact the Credit Union at 989-777-3620 ext. 5104 to determine eligibility. Certain restrictions apply.

Covenant Kids FUNDRAISER

Covenant Kids is a fund that supports the enhancement of medical care for children ages 0 to 17 who need the specialized services Covenant HealthCare provides. Covenant realizes that children have unique needs and strives to meet these needs as they arise. The fund helps to provide the care that children require through the funding of technology, services and equipment. Paper circles can be purchased throughout the month of April for $1.00 and 100% of the proceeds goes towards the children at Covenant HealthCare. The Telethon airs live on WNEM TV5, Saturday April 14 from Noon ? 6pm at the Mid-Michigan Children's Museum. Come join the fun, the museum is open to the public that day with extra activities. Thank you for supporting Covenant Kids!

Gain Greater Financial Freedom and Security With

DIRECT DEPOSIT

Don't worry about making it into the Credit Union before closing time on payday just to make sure your paycheck gets deposited on time. Instead, sign up for direct deposit and enjoy the convenience of having it electronically deposited right into your United Financial account first thing payday morning! Signing up for direct deposit is easy. Simply take our routing number (272477241) to your human resources department to get started today.

EXPECTING A TAX REFUND? You can request direct deposit of that too!

More money in your pocket, THANKS TO UNITED FINANCIAL AND LOVE MY CREDIT UNION? REWARDS

Saving on the products and services you need and use every day is easy with Love My Credit Union Rewards. As a member of United Financial Credit Union, you can get discounts and rewards that include:

A $100 cash reward with every new line activated with Sprint?! Current customers will receive a $50 cash reward for every line transferred into Sprint? Credit Union Member Cash Rewards. Plus, get a $50 loyalty cash reward every year for every line.* And there's more! Members are eligible for 25% off accessories.

Up to $15 off TurboTax? federal products! An exclusive smoke communicator and a $100 gift card

with a new ADT? monitored home security system. You must call 844-703-0123 to receive this special offer through the Love My Credit Union Rewards Program. Trusted protection at true savings with the TruStage? Auto & Home Insurance Program. Cash back at over 1,500 online retailers with Love to Shop.

Sign up now and join the credit union members who have saved nearly $2 billion in discounts. Visit benefits-of-membership or today!

LOAN RATES

As of April 1, 2018

APR*

Loan Type

As Low As

Vehicle Loans

1.99%

Classic Car Loan

7.00%

Recreational Vehicle

1.99%

? Includes travel trailers, motor homes,

boats, motorcycles and snowmobiles

Personal/Signature

6.99%

Quick Cash

14.90%

First Mortages ? Fixed & Balloon available

3.50%

Rural Development, FHA & VA

Call for Current Rate

Second Mortgages

5.00%

Home Equity Line-of-Credit 4.50%**

Vacant Land

4.75%

For more details and rates, check out our website



*APR = Annual Percentage Rate. Rates and terms subject to change without notice.

**Variable rate. Maximum APR of 14.00%.

SCOREBOARD

2nd Quarter as of February 28, 2018

Assets......................$208,711,746.52 Loans.......................$134,600,285.24 Members...................................23,308 Checking Accounts...................10,310

MISSION STATEMENT

United Financial Credit Union will provide affordable, friendly, and quality service to our members. We are committed to the long-term financial stability of our credit union

members and their families!

ImpactSaginaw

your community credit unions

Federally insured by NCUA.

? ? 877.799.0784

MEMBER APPRECIATION DAY

Friday, June 22 ? 11am ? 3pm

Stop by any branch location for free ice cream sandwiches as we show you our appreciation for continuing to choose United Financial as your trusted financial partner.

PO Box 6430 Saginaw, MI 48608

Grow Your Child's Savings

WITH A YOUTH CD SPECIAL

Why let your child's savings sit in their piggy bank, when it can grow with a CD? Youth ages 0-21 can start their very own certificate for just $100, and can continue adding to it until it reaches a maximum of $2,000.

3.00%APY

6-MONTH TERM

This special offer is only available for a limited time, so hurry in today!

*APY=Annual Percentage Yield. Rates are subject to change on a monthly basis, but are fixed for the term when CD is purchased. $100.00 minimum deposit required. Penalties for early withdrawal may apply.

PRSRT STD U.S. POSTAGE

PAID

CUADVANTAGE

INCOME FOR LIFE: Guaranteeing

Retirement Income To Last A Lifetime

You have retirement goals and plans for your future. Without a regular paycheck to count on, achieving a steady stream of retirement income will be an important part of the road ahead. Will Social Security be enough? What about your 401(k)?

FREE SEMINAR Here's an opportunity to attend a valuable

educational seminar on this important topic, at no cost and no obligation:

Wednesday, May 23 at 6:00 p.m. 4685 State St. Saginaw, MI

Please call 989-777-3620 to RSVP!

We have revised and updated the terms of

your MEMBER SERVICE AGREEMENT for

non-business accounts, effective 5/01/2018.

You can access a summary of these changes on our website, .

WALLEYE FESTIVAL RACE

APRIL 26, 2018 | FREELAND, MI

United Financial Credit Union is proud to present the 9th Annual Freeland Walleye Festival Race on April 26, 2018! Join several hundred participants in running and/or walking USATF sanctioned 10k and 5k road courses. Or run along with the kids on a 1 Mile trail fun run course. Learn more and register

today at walleye-festival-race.

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