Informer the - United Financial Credit Union

Intheformer

January 2019

United Financial Credit Union

Where We Put U First!

IN THIS ISSUE

? Lighten Your Debt ? Pay It Forward ? 56th Annual Meeting ? New Year CD Special ? Announcements ? Let's Stay Connected ? Homeownership Initiative ? Turbo Tax Sweepstakes ? CU Lunch Local Recap

? Making Strides for Breast Cancer ? Snowman Showdown ? Introducing UFirst Financial ? Upcoming Wealth Management Seminars ? Holiday Closings ? Saginaw Spirit Credit Union Night ? Saginaw Spirit Tickets for Sale ? Save to Win ? Detroit Lions Game

Lighten Your DEBT

Take advantage of United Financial Credit Union's Balance Transfer Loan and start off 2019 right by consolidating all of your credit cards or other high-rate loans into one low-monthly payment!

Pay off credit card debt | Consolidate secured/unsecured loans | Lower your payment(s)

Whether you are an existing member or a new member who is interested in taking advantage of all of the benefits that United Financial has to offer, a balance transfer loan may be just what you need to get your finances back on track for the New Year.

Take advantage of our Balance Transfer Loan and receive a special gift from us!

Transfer 1-2 loans RECEIVE A $25 GIFT CARD

Transfer 3-4 loans RECEIVE $50 IN GIFT CARDS

Transfer over 5 loans RECEIVE $75 IN GIFT CARDS

RATES Consolidation Loans rates as low as 5.50% APR*

*APR = Annual Percentage Rate

Secured Loans rates as low as 2.45% APR*

Pay It Forward

It's time to #PayItForward with United Financial Credit Union and Stretch Limo! Nominate an employee, team, or office of ANY business in the Great Lakes Bay Region that you think goes above and beyond on a daily basis! Visit PIF to submit your nomination online. Nomination must be completed by January 31, 2019. If your nomination is chosen, United Financial and Stretch Limo may show up on their doorstep with a surprise!

You can Pay It Forward, too! Treat someone to an act of kindness, and you never know, someone may just nominate you! Nomination ideas include: a cancer patient, construction crew, a local farmer or business, or someone who could use a yard cleanup.

*Credit Union Branches and Employees are not eligible for nomination.

You're Invited to the

56th Annual Meeting

We hope you will join us for an eventful evening as we hold our Annual Meeting and show members our appreciation. Light refreshments will be available.

DATE: March 11, 2019

TIME: 5:30 ? 8:00 p.m. LOCATION: United Financial Credit Union

Administration Office 4685 State St., Saginaw, MI 48603

Please RSVP online or by calling 989-777-3620.

We look forward to seeing you there!

Ring in the New Year

CD SPECIAL

12 MONTHS ? 2.40% APR

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ANNOUNCEMENTS

We have revised and updated the terms of your

BUSINESS SERVICE AGREEMENT,

effective 1/01/2018.

The complete, new agreement is accessible on our website, .

Walleye Festival Race

April 28, 2019 | Freeland, MI

United Financial Credit Union is proud to present the 10th annual Freeland Walleye Festival Race on April 28, 2019. 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 fun course. Learn more and register today at walleyefestival-race.

Let's Stay

Connected

If your address, phone number, email address or beneficiary information has changed, please let us know. We do our best to maintain current contact information in case we need to contact you about your accounts in the future, and we appreciate your assistance in keeping our records up to date.

APCORMIILNG2I0N 19

HOMEOWNERSHIP INITIATIVE

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!

HOP HIGHLIGHTS - DOWN PAYMENT ASSISTANCE

Down payment assistance up to $10,000.00 ? 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 must demonstrate at least 1 full year of employment

NIP ELIGIBLE IMPROVEMENTS

Heating and air conditioning ? Well/septic system ? Water heater ? Plumbing systems Windows ? Siding ? Roofing ? Exterior doors ? Insulation

AMP ELIGIBLE IMPROVEMENTS

Accessibility ramps ? Bathroom and kitchen accessibility modifications

CONTACT the Credit Union at 989-777-3620 ext. 5104 to determine eligibility. CERTAIN RESTRICTIONS APPLY.

Members Save Up To $15 on TurboTax and Get a

Chance to WIN $25K!

This year, get your biggest possible tax refund and a chance to win $25,000. TurboTax is up-to-date on the latest tax laws and guarantees 100% accurate calculations, so you can be confident your taxes are done right. Plus, you'll be automatically entered to win $25,000 when you try TurboTax Online for FREE by February 14th. And as a credit union member you can save up to $15 on TurboTax. To enter the sweepstakes and access the member discount, click on the TurboTax web banner located on our credit union's website. Start today and save!

Visit for TurboTax product guarantees and other important information. Limited time offer for TurboTax 2018. Discount applies to TurboTax federal products only. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries.

TurboTax $25,000 Sweepstakes. NO PURCHASE OR FINANCIAL DISCLOSURE NECESSARY. Open to legal residents of the 50 United States or the District of Columbia, 18 years of age or older at time of entry, who are customers of participating Financial Institutions or employees of participating businesses. Void in Puerto Rico and where prohibited by law. Sweepstakes ends 2/14/19. Subject to complete Official Rules and all applicable federal, state and local laws. For Official rules

including participating Financial Institutions and business, odds of winning, alternate method of entry, and prize descriptions, visit the Official Rules. PRIZES: 1 Grand Prize: A check for $25,000. Retail value, $25,000. 12 First Prizes: A check for $1,000. Retail value, $1,000 each. Maximum

retail value of all prizes is $37,000. The odds of winning a prize depend upon the total number of eligible entries received by the end of the Promotion Period. SPONSOR: Intuit Inc., 7535 Torrey Santa Fe Rd, SDG-2A-03-22E, San Diego, CA, 92129.

CU LUNCH LOCAL Recap

United Financial Credit Union was proud to be one of many credit unions in the area that generated money back into Michigan's local economy by participating in the 7th Annual CU Lunch Local this past fall. We provided lunch from locally owned restaurants to seven local businesses throughout Saginaw, Freeland, Bridgeport, Auburn, and Chesaning to show our support for buying local.

Making Strides

for Breast Cancer

This past October, we united as a team to show our support and raise awareness and funds to help end breast cancer. A group of staff members participated in the Making Strides Against Breast Cancer walk, and we are pleased to announce that we raised a grand total of $938.69! Thank you to everyone who helped show support and raise awareness by making donations.

Snowman

SHOWDOWN

It's time for the United Financial Snowman Contest! All kids and teens are invited to show off their snowman masterpiece for the chance to win a snowtastic prize package!

Simply build and decorate your snowman, take a picture of it, and email the picture to us at marketing@ any time between now and March 30. The winner of the contest will be chosen on April 2, 2019. Have fun and best of luck!

Introducing

United Financial Credit Union is pleased to partner with Michigan Valley Insurance Agency and RichMark Private Wealth Management to offer United Financial members a full range of additional Wealth Management, Investment and Insurance products and services through the new UFirst Financial service. Based out of our main office, UFirst Financial provides you with the opportunity to meet with professional experts right here at your credit union, at your convenience.

WEALTH MANAGEMENT with Rich Marotzke

Rich Marotzke is dedicated to developing lasting relationships with clients and helping you work toward a more secure financial future. Using the following products and services, he can help you successfully organize, understand, control and accumulate your wealth:

Tax Management | Fee Based Investment Management Retirement Strategies | Estate and Financial Planning | Insurance and Annuity Products

INSURANCE SERVICES with Isaac Zimmer

Licensed to do business in the state of Michigan, Isaac Zimmer is here to help you determine your insurance needs and put together a plan to provide you with coverage and premiums that fit your specific needs.

Auto Insurance | Home Insurance | Motorcycle, Boat or Off Road Vehicle Insurance Life Insurance | Health Insurance | Business or Commercial Auto Insurance | Farm or Crop Insurance

For more information about our new UFirst Financial services or to receive a free quote, please contact us at 989-777-3620.

Upcoming Seminars

Lunch and Learn Better Your Business

Discover the unique risks and opportunities that come with business ownership. Learn about the products available and the liabilities that accompany them.

Choose from Two Sessions: February 21 or 26 Noon ? 1:00pm COST: FREE

Financial Wholeness

Learn time-tested strategies that help you to make informed financial decisions.

March 14 and 21 from 6:00pm ? 9:00pm Includes 2 - three hour classes and workbook COST: $25 for Members or

$50 for Non Members

Seminars will be held at United Financial Credit Union, 4685 State St., Saginaw, MI. Visit website or call 989-777-3620 to RSVP!

LOAN RATES

As of January 1, 2019

APR*

Loan Type

As Low As

Vehicle Loans

2.45%

Classic Car Loan

7.00%

Recreational Vehicle

2.45%

? Includes travel trailers, motor homes,

boats, motorcycles and snowmobiles

Personal/Signature

7.25%

Quick Cash

14.90%

First Mortgages ? Fixed & Balloon available

4.25%

Rural Development, FHA & VA

Call for Current Rate

Second Mortgages

5.00%

Home Equity Line-of-Credit 5.25%**

Vacant Land

5.25%

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

4th Quarter as of November 30, 2018

Assets......................$214,892,734.46 Loans.......................$139,452,817.53 Members...................................24,830 Checking Accounts...................10,544

MISSION STATEMENT

Through innovative, friendly, and quality service, United Financial Credit Union will provide long-term financial

stability to our credit union, our members and their families!

ImpactSaginaw

your community credit unions

Federally insured by NCUA.

? ? 877.799.0784

Holiday Closings

PRESIDENTS DAY

Monday, February 18, 2019

Saginaw Spirit Credit Union Night

Credit Union Night with the Spirit is February 16, 2019 at 7:05 p.m. For more information or to purchase tickets ($5.50 each), please contact (989) 777-3620.

TICKETS FOR SALE

Purchase Spirit Vouchers for $10.50

at any of our branches.

HOCKEY

HOCKEY

SECTION

PO Box 6430 Saginaw, MI 48608

PRSRT STD U.S. POSTAGE

PAID

CUADVANTAGE

Save to Win is a special savings account at your credit union that gives you all the benefits of a savings account-- plus the chance to win big! Each $25 deposit into this share certificate earns you an entry into the monthly and quarterly drawings. The more you save, the more chances you earn -- up to 10 drawing entries per month. Not only will you build your savings and earn interest/dividends, you can win multiple prizes throughout the year.

Save to Win prizes are set at the beginning of each program year, but members can open an account and start winning at any time. Not everyone will win a prize, but if you make regular deposits into your Save to Win account all year, you are guaranteed to end up with more money than you started with. It really is the smartest way to save. Contact the Credit Union today to learn more.

We had a great turnout for our first Detroit Lions game! 59 guests joined us filling 3 Stretch Limo buses. A huge thank you to Stretch Limo for providing our transpportation!

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