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A message to Shores Area CU Members
Let me thank you for your patience in what has always been a trying time in the merger process. The conversion of data files remains a complex undertaking that has a tendency to provide unpleasant surprises during its implementation. Sometimes what seems so simple in the telling becomes frustratingly difficult in its completion.
We had some glitches but nothing that could not be taken care of pretty quickly. Thanks to the members who let us know when something seemed awry and who communicated it quickly so as to help us mitigate any ill effects.We anticipate that there might continue to be ongoing issues in 3rd party settlements. That is mostly in the ACH or Point of Sale or Debit and Credit card transactions as well as check processing. I urge you to remain vigilant for anything that seems “out of the ordinary” and call the credit union main office (586-573-4110) for assistance or clarification if needed.
Allow me to once again welcome you to the family that is Unity Credit Union and be assured that we value your loyalty to credit union principles and our intentions to earn that loyalty every day.
Dennis Moriarity, CEO
ENERGY SAVER LOAN SPECIAL
Buy any energy saving appliance that is Energy Star or The Consortium for Energy Efficiency compliant and get a special interest rate of only 7.9%.
Just remember to “always call your credit union first” at (586) 573-4110, ext. 41 or online at www.unitycu.com. Remember that your family members are welcome to join the Credit Union and are eligible to enjoy all of Unity’s products and services. (Rates and terms subject to change and credit approval.)
A Full Line of Services for You and Your Family
Unity has the best resources to help you manage your money. Many of the tools we offer prove especially helpful to those members with checking accounts currently, or for current members looking for a new financial institution to do their checking. We offer “anywhere, anytime access” with “The Punchline” automated phone system, and the “Punchline 2” home banking system, featuring E-statements, at our web site www.unitycu.com. Other services include direct deposit and payroll deduction, ATM and MasterMoney Cards, and automated bill payments. All of these services were designed to make your life easier and give you no reason to go elsewhere for your financial needs. You will also find that our fees for these services are much less than most other financial institutions.
Did you know that your family members are automatically eligible for credit union membership? Have THEY heard? Spread the good news about credit union membership to your family. Children, parents, siblings, aunts, uncles, cousins, grandparents, and coworkers… everyone’s welcome. They will enjoy the credit union difference as much as you do!
If you have any questions about any of our products or services in general, please ask us any time. We’ll be happy to help you. You can stop in, call us at 586-573-4110, or contact us though our web site at www.unitycu.com.
Attention Members in the Waterford area
For Outlet locations that can service you since the closing of the Waterford Family Service Center please click here.
The Convenience of E-Statements Available on”Punchline 2”
Did you know that E-Statements are available from Unity on the “Punchline 2” Home Banking System? Once enrolled in the “Punchline 2”, you can click on Options and then on Service Enrollment and choose to view your statements online. By enrolling in E-Statements you will receive an Email when your current statement is ready for viewing. Get your statements in hours instead of days. You can save your statements to your computer and have them forever. And it’s all FREE! And by signing up for
E-Statments our $3.00 statement fee is waved.If you haven’t enrolled in the “Punchline 2” yet, just go to www.unitycu.com and click on First Time? above the “Punchline 2” logo. You will be taken to the Enrollment page and simply click on NOT ENROLLED? ENROLL TODAY and answer a few questions. Within 48 hours you will receive an Email with a temporary password and you will be ready to go. (If you don’t receive an Email within 72 hours please call Unity and we will help you with the enrollment process.).
Unity’s “Punchline 2” Home Banking System is safe, simple, and available 24 hours a day for your convenience. Yes, it is safe. The site is secure and uses Microsoft’s encryption software. We also automatically “lock out” your account if multiple incorrect sign ons are attempted. Visit the Credit Union any time, on your time, from your computer.
A New Service for Troubled Times…
Unity is pleased to announce our newest member benefit – Accel Members Financial Management.
We value your membership and are committed to serving you in the good times as well as the bad times. We have teamed up with Accel Members Financial Management to provide free access to money management and financial education services. Accel has been assisting individuals for more than 40 years.You, as a member of Unity can receive assistance with: Personal and Family budgeting, Debt Repayment, Avoiding Bankruptcy, Foreclosure and Repossession. When trouble looms you can seek advice no matter how dire the situation may seem. It is a new and free service provided by your credit union.Accel will give personalized answers to your individual needs on virtually all financial issues. Advice that is already paid for is only a phone call away.
Counselors are available Monday through Thursday 8 a.m. to 10 p.m. EST, Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 1 p.m. To use this new service, simply call 1-877-33ACCEL or visit them on the web at www.accelservices.org.
UNITY VISA…A Classic Card that won’t rip you off
Have you looked at your non Unity credit card statements lately? Noticed how many times you get a new credit card disclosure with a change in the terms of your card. Has the credit card company raised your finance charge for no apparent reason or doubled it because you were a day late with a payment? Is there one rate for purchases and much higher rate for cash advances? Don’t be fooled by special introductory rates or rewards (in many plans you need to spend $10,000 to get $100 in rewards).
With Unity you get a simple Classic VISA Card with no annual fee, the same low 11.9% interest rate for both purchases and cash advances, and a 25 day grace period on new purchases. It’s that simple. Because you’re a member at Unity, you get the same deal that every other member gets. Check our web site at www.unitycu.com or call our loan department at 586-576-4110 Ext. 41 for more information. Remember to always check with YOUR Credit Union first before making any financial choices. (Rates and terms subject to change.)
IN YOUR BEST INTEREST
Summer is here and you have three months of great weather ahead. Do you want to spend your time cruising the open road or sailing into the sunset? Whatever you decide, Unity has a loan to fit all of your needs…
New Autos and Trucks From 2.95% APR
Used Autos From 2.95% APR
Motorcycles 6.50% APR
Personal Water Craft/Snowmobiles 6.90% APR
New/Used Boats From 5.50% APR
Other Great Rates for special needs:
Energy Related Home Improvement Loans 7.9% APR
Computer and Technology Loans 7.9% APR
Lasik Eye Surgery Loans 7.9% APR
Power Saver Loan 7.9% APR
Just remember to “always call your credit union first” at (586) 573-4110, ext. 41 or online at www.unitycu.com. Remember that your family members are welcome to join the Credit Union and are eligible to enjoy all of Unity’s products and services. (Rates and terms subject to change and credit approval.)
Holiday Closings
New Years Eve, Saturday, December 31, 2011 Shores Branch Closed
(Family Service Centers open for normal hours)
For New Years Day, Monday, January 2, 2012 Closed
Unity’s offices will be closed Monday, January 16 (Martin Luther King Day), Monday, February 20 (Presidents’ Day), and will close at 1:00 PM April 6 (Good Friday). All Service Center locations will be open from 9 am to 7 p.m. on the above days.
Important Information Concerning Online Shopping
Every month more and more people use their debit and/or credit card to purchase goods and services online. Unfortunately there are retail websites that fail to take the necessary precautions to make sure your personal information is not compromised. There are several things you can check to see if it is safe to make a purchase. One of the best ways is to visit Reseller Ratings at www.resellerratings.com. As the name implies, Reseller Ratings is a site where consumers openly post comments about their experiences on retail websites. A reputable website will most likely have some form of credit or debit card verification process. Some may call back to you or your financial institution to make sure the charges were authorized by you. Look for the “lock” icon during the checkout process. This icon identifies a secure connection and prevents the unwanted compromise of your information. Using these simple steps can help ensure a safer experience during online shopping.
Get Your MasterMoney Card Today
A MasterMoney Card looks like a credit card with the MasterCard
logo, but it acts both as a “plastic check” and as an ATM card.
There are many benefits to using a MasterMoney Card! Purchases are automatically
deducted from your checking account, so you don’t have to worry about
paying a credit card bill at the end of the month. You can shop anywhere MasterCard
is accepted without having to write a
check and wait for check approval. You can feel safer because you won’t
have to carry a lot of cash. But, if you do need cash, a MasterMoney Card
doubles as an ATM card for withdrawals, balance inquires and transfers by
using your PIN (Personal Identification Number). A MasterMoney Card is quick
and convenient to use… get yours today!
Bank Fees are Big Business
Recently we have had an opportunity to
view the revenue streams that have
developed as a result of the lowered margins on loans. Amazing how imaginative
Financial Institutions have gotten to ensure that their income streams are
not reduced as a consequence of anemic lending patterns or reduced investment
returns. So what category do you fall into? Are you a Platinum or Gold customer/member
or just a
Silver or Bronze? If you are in the latter category you are probably paying
significant fees for even basic financial services. As a matter of fact even
in the upper categories you will probably still find yourself paying fees
as just another victim of statement shock.
As margins continue to remain low it is no wonder that
alternate sources of income have been developed. These “alternate sources”
can have a big effect on your finances. Beware of “free” anything.
The small print usually points out that there is no free lunch. Examine your
statements closely to determine “how many” and “how much”.
A little effort can go a long way to saving you and your family a lot of money.
By finding an institution that relies on reducing it’s expenses and
maintaining a “low cost” environment to keep your costs down you
will keep more of your hard earned cash. Always check with your Credit Union
first……
Fraud
continues to be a problem
Not
a day goes by when word comes out about some new scam designed to make the
bad guys richer at the consumers' expense. As a reminder:
Do not give out your personal information to anyone who presents themselves
as needing it for any reason. Many of the scams purport to need the information
to verify, authenticate or otherwise use it to assist in solving some bogus
problem "with your account". If you get a request like this contact either
the authorities or UNITY and we will assist you in determining your next course
of action.
