wealthE-NEWS Monthly Newsletter

October 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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CONTENTS:

MONEY MANAGEMENT

Vacation & Travel Tips
Alert Credit Card Companies Before Traveling
Did You Know?
October Tip of the Month

WHAT'S NEW CU?

Life Happens - Let us help!
Coon Rapids Shred Day Event
Holiday Hours

MONEY MANAGEMENT

Vacation & Travel Tips

Vacations: Save Before You Set Sail

Your mind wanders to crisp-blue skies and romantic sunsets, salty ocean breezes, and sand between your toes. Then your telephone rings and you snap back to reality. There are no blue skies or ocean breezes, just your computer monitor staring you down. Do you need a vacation?

Budgets are tight, but with some disciplined planning and money-saving tricks, that dream vacation can become a reality.

Be careful with plastic. Don't finance your entire vacation on your credit card. That doesn't mean it's off limits, but relying solely on plastic will only lead to stress and heavy interest charges down the road.

Save, save, save. Try to set aside some of every paycheck in a United Educators Credit Union "vacation savings" account. Decide how much you want to have on hand to start your trip. Divide that total by the number of paychecks until vacation, then save that amount in your vacation account. If you are not able to save this much, take a look at your spending habits. Are there places you can make cuts?

Plan ahead. Booking airfare, hotels, and rental cars in advance could save you a bundle. Consider using public transportation to save cash on a rental car or taxis. And, travel midweek for the best deals.

Hotel deals. You may be able to pick the price you pay for your hotel room. When renting a room or condo, some Web sites, such as Priceline.com or Hotwire.com, let customers bid for the lowest price. On sites like eBay, time-share owners sometimes sell unreserved rentals at discounted prices. Do some searching before booking a full-price room.

If your savings come up short, see United Educators Credit Union for low-interest loan options.

Save money and secure your dream vacation. Let United Educators Credit Union help.

Copyright 2010 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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Alert Credit Card Companies Before Traveling

Going on vacation? Imagine checking into a hotel only to find out your credit card accounts have been frozen. Be sure to call your credit card issuers ahead of time to let them know you'll be out of town - especially if it's an international trip. That way, you won't be blocked from using your credit cards when you need them most. Card issuers may do that - for your protection - when unusual activity appears in your account. So just let the issuer know when unusual activity is legit.

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Did You Know?

Your credit union membership can save you money on your wireless service! Sprint offers you 10% off your service with them. If you are not currently with Sprint switch now to start saving! The activation fee is also waived when you are a credit union member.

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October TIP OF THE MONTH:

The UECU ID Theft Resource Center page on our web site offers a variety of information and resources - whether you're looking for tips to prevent ID Theft or what to do if you are a victim. Find the ID Theft Resource Center link on our home page under the Personal Finance link listed in the Member Resources box at the bottom of our home 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 protect yourself from Identity Theft - shred your personal documents, financial statements and more for free, at our Coon Rapids Shred Day event:

Saturday, October 13, from 9 a.m. - Noon
Coon Rapids Branch, 11599 Robinson Dr NW

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Holiday Hours

Closed all day Veterans Day - November 11th, 2012
Closed all day Thanksgiving Day - November 22nd, 2012
Closing at 12:30pm on Christmas Eve - December 24th, 2012
Closed all day Christmas Day - December 25th, 2012
Closing at 4:00pm New Years Eve - December 31st, 2012
Closed all day New Years Day - January 1st, 2013

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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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