wealthE-NEWS Monthly Newsletter

September 2012

Welcome to wealthE-NEWS, brought to you by United Educators Credit Union. Thank you very much for your interest in this service! Our goal through this monthly newsletter is to keep you updated on consumer tips and money management information, as well as credit union news and announcements.

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Thanks!

CONTENTS:

MONEY MANAGEMENT

See us about a Debt Swap
Did You Know?
September Tip of the Month

WHAT'S NEW CU?

Life Happens Let us help!
Woodbury Shred Day Event

MONEY MANAGEMENT

See Us About a Debt Swap

Consumers have spent the Great Recession paying down debts. Evidence shows that savings have risen as debt has fallen, and that's a good thing.

Still, many people continue to struggle with high debt levels. If you're in that situation, maybe it's time to look at your debts in a new way.

If you qualify, you'll make better progress retiring those old debts by swapping them in for lower rate credit union loans. For example, nationally, credit union credit card rates are more than two percentage points less than other cards. For new auto loans, the rate difference averages just shy of two percentage points.

Bring your high-interest debts to a United Educators Credit Union loan officer. There's a very good chance you'll be able to reduce your interest rate, and that will make your payments go further and reduce your bills faster.

You can do better at your credit union. Swap out your high-interest rate loans for fair-rate credit union loans.

Copyright 2011 Credit Union National Association Inc. Information subject to change without notice. For use with members of a single credit union. All other rights reserved.

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Did You Know?

Your credit union now offers an online loan application! Both new and current members can securely fill out a loan request electronically, 24/7. A loan officer will contact you within 24 hours if the application is submitted Monday - Friday. If the application is submitted on Saturday or Sunday, a loan officer will contact you the following Monday. The "Apply Online" link is published throughout our website. Check it out today!

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September TIP OF THE MONTH:

The UECU Educator Resources page on our web site offers a variety of financial education information for both educators and parents. We have resources for youth ages pre-school through high school - from classroom presentation requests, book recommendations, links to free curriculum, online games, and more! Find the Educator Resources link on our home page, listed in the Member Resources box at the bottom of the page.

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WHAT'S NEW CU?

Life Happens Let us help!

Appliances breakdown. You experience an unexpected dental or health expense. Maybe you are getting married soon or expecting a child. Life happens and it can get expensive. UECU is here to help you cover life's expected and unexpected events.

A Personal loan or Signature Line of Credit is a simple, affordable, convenient way to get the funds you need, when you need them. And unlike other types of financing, there are NO annual, balance transfer or cash advance fees. Use the funds for debt consolidation, health expenses, home improvements, wedding, or other major purchases.

What's more, we've recently lowered our Signature Rates to as low as 6.99% APR* - making life even more affordable. Contact us for more information today!

* APR means annual percentage rate. The rate you receive may be different than the rate above and is based on the applicant's credit and repayment history, length of repayment period and down payment. Please ask us for the rate for which you qualify. Unsecured Signature Loan PAYMENT EXAMPLE: For every $1,000 borrowed at 6.99% APR over 2 years, the monthly payment is $44.77.

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Protect Yourself and the Environment with Free Shredding

Protect Yourself and the Environment with Free Shredding

Go Green and shred your personal documents, financial statements and more for free, at Woodbury Shred Day event:

Saturday, September 15, from 9 a.m. - Noon
Woodbury Branch, 6789 Upper Afton Road

Our shredding company Shred-It, will have a truck on-site to shred your documents on the spot. This event is open to the community and non-members can bring up to 2 boxes for shredding. Refreshments will also be served.

Click here to visit our Identity Theft Resource Center for helpful information on how to avoid becoming a victim of identity theft.

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wealthE-NEWS is a monthly, permission-based publication of United Educators Credit Union sent only to those who have requested it. If you have received it by mistake or wish to discontinue receiving it, please click on the link at the very end of this message. Your subscription is free and you may discontinue it at any time. Feel free to print and distribute wealthE-NEWS as you wish. Please consider forwarding this newsletter to any others who may be interested. If you receive this update as a sample or from a third party, you may sign up to continue receiving it by clicking here.

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