wealthE-NEWS Monthly Newsletter

November 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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Holiday Spending
Did You Know?
November Tip of the Month


2013 Scholarships Now Available!
Holiday Hours


Smart Spending Puts Holiday Shoppers in Control of Cart

Smart Spending Puts Holiday Shoppers in Control of Cart If you aren't smart about holiday spending, you could find yourself in trouble before the icing dries on the cookies.

You can avoid financial mishaps by using simple spending strategies for this year's shopping season:

  • Create a spending plan-To track expenses you need a budget: Who are you buying for? How much will you spend on each individual? Have specific gifts in mind.
  • Shop before leaving home-Comparison shop online to find which stores carry the items you're looking for and the best price. Flag items in flyers and catalogs and bring with you to the store.
  • Limit time at the mall-Shop during lunch hours or during your child's basketball practice so you don't have "too" much time.
  • If you use a credit card, be committed-Ideally don't charge more than you can pay off when the bill arrives. If that's not possible, don't charge more than you can pay off in the first quarter of next year.
  • Beware store cards-These cards generally have higher interest rates than general use credit cards.
  • Disregard "buy now, pay later"-It's easy to bring a big purchase home without much thought when you don't have to pay for it for six months. Be cautious: If you don't pay off the item by the due date, you'll be socked with outrageous interest expenses.

If you need help with a holiday spending plan, talk to the professionals at United Educators Credit Union. Call us today at 651-264-0669.

Copyright 2009 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?

We are pleased to announce a new and improved online loan application Third Party Website! You can securely apply for a credit union loan anytime, from your computer or mobile device. The application just takes a couple minutes to complete, and a credit union loan officer will contact you back within one business day. Check it out today!

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Wrap up your Holiday with Visa Platinum and receive 6.99% on Purchases and Balance Transfers! Use your UECU VISA® Platinum card for Holiday purchases and enjoy a reduced rate of 6.99% APR*. Transfer balances from other cards at that same great rate. There is no need to worry about the "post-holiday bill blues".... your transactions will stay at 6.99% APR until March, 2014. And with no annual fee, no balance transfer fee, and ScoreCard Reward® points Third Party Website you'll be giving yourself a gift too!

Current Visa Cardholders, click here for your Balance Transfer Packet. Or, contact us for additional information today!

* APR means Annual Percentage Rate. Purchases and balance transfers made November 6, 2012 - March 31, 2013 will receive the promotional rate of 6.99% APR. The promotional rate is valid until March 31, 2014. After this day, any remaining balance will revert to the current variable APR. The balance transfer will show on your statement as a cash advance. Payments received will be applied first to fees, finance charge, promotional transferred balances and then any outstanding UECU credit card balance. Minimum amount of balance consolidation = $100. Please refer to the UECU VISA® Agreement & Truth in Lending disclosure for a complete description of how finance charges are calculated. This offer does not apply to balances owed or transferred from existing United Educators Credit Union debt(s). All loans are subject to credit approval.

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2013 Scholarships now available online!

$2,000 Educator Award
One award will be granted for professional development in the education field. Teachers, Administrators, Support Personnel - all members that work in education are eligible to apply.

$1,500 Education Major Award
One award will be given to a student majoring in Education and entering their Junior or Senior year in the fall of 2013. Applicants must be attending an accredited college or university in the state of Minnesota or be a United Educators Credit Union member or the child or grandchild of a member.

Amanda Bradac

$1,000 Student Awards
Three awards will be given for the post secondary education of graduating high school seniors. United Educators Credit Union members or children, grandchildren or dependents of members are eligible to apply.

Deadline to apply is February 1, 2013. Apply Today!

"I want to do all of my banking with UECU! I am an education major and I like that UECU has been providing financial services to educators for over 50 years. In addition, they offer free financial literacy curriculum, grants and scholarships. I will definitely be applying for one of their education major scholarship! I want to be part of a credit union that understands the needs of teachers."

Amanda Bradac
Student of University of Minnesota
UECU member since 2012

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Holiday Hours

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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wealthE-NEWS is Copyright © 2012, United Educators Credit Union