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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 7.90 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.  APR is Annual Percentage Rate. (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 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.

 

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.

 

Your Path to a Bright Financial Future Begins Here

With GreenPath, you have free access to money management and financial education services.  GreenPath is a non-profit company that partners with you to achieve your financial goals.  Take advantage of free access to GreenPath’s financial experts and financial education tools. green
You can receive assistance with:

If you need help with credit card debt, you may be eligible for a debt management program, which may help:
• Eliminate collection calls
• Reduce interest
• Eliminate fees

Call today for a free consultation!  1-877-337-3399
Or visit www.greenpath.com.

 

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 1.95% APR

car1   Used Autos                                                                 From 2.95% APR

   Motorcycles                                                               From 5.25% APR

   Personal Water Craft/Snowmobiles                          6.90% APR

   New/Used Boats                                                        From 5.50% APR

car2Other Great Rates for special needs:

             Energy Related Home Improvement Loans         7.90% APR

          Computer and Technology Loans                          7.90% APR

          Lasik Eye Surgery Loans                                       7.90% APR
          Power Saver Loan                                                   7.90% 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.  APR is Annual Percentage Rate. (Rates and terms subject to change and credit approval.)

 

Holiday Closings

Thanksgiving Day, Thursday, November 23, 2017           Closed

Friday after Thanksgiving, November 24, 2017                  Open

For Christmas Day, Monday, December 25, 2017            Closed

For New Years Day, Monday, January 1, 2018                  Closed

 

 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

   Fraudsters continue their relentless search for YOUR Info.  Hardly a day goes by without media reports related to information breaches at retailers.    Once a breach is discovered (generally costing millions in losses) the retailers say they are sorry and promise to do better, but they don’t.  Believe me it is not uncommon to see more than one breach at the same retailer.  The reason we are talking about this is because you are the best line of defense.  Shield your card from potential prying eyes at ATM’s and Point of Sale registers.  Watch for skimmers (attachable data gathering devices) located on gas pumps and anywhere your card will be swiped.  Do not keep your ATM card and PIN together.  You would be amazed at how many times members tell us that is what they did when the card is lost or stolen.  When traveling especially abroad (Mexico is a hot area for data swipes) limit your debit use and use a credit card instead.  Never give out any information about yourself to any callers who give, what seems like good reasons, to you in person or on the internet.  If someone sends an e mail asking you to “go to our site and reenter your data because we think your info has been compromised” it is a scam-delete the e mail and ignore it.  Be careful out there.  If you have doubts call us we can tell you pretty quickly what is legitimate or not.

 

Use Credit Union Tools!
    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. We offer “anywhere, anytime access” with the “Punchline 2” home banking system at our web site www.unitycu.com, direct deposit and payroll deduction, ATM and MasterMoney Cards, and automated bill payments. All of these access services were put into place in order to serve you better. These tools make reconciling your account and managing your money faster and easier. We want to increase our availability through many different products and services in order 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. If you have any questions about any of these tools or our products or services in general, please ask us any time. We’ll be happy to help you. You can stop in, call, or click on contact us above.

 


 

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