Unity One informs: Toys for Tots Drive

Unity One Credit Union's Minnesota branch locations have partnered with Toys for Tots to collect new, unwrapped toys. Toys for Tots, started by the United States Marine Corps, has distributed over 548 million toys to more than 251 million children.  

If you would like to make a donation, please drop your items off at our Maplewood branch location. Deadline for drop off is December 12, 2018. 

Toys for Tots

Maplewood Branch
1535 Beam Ave.
Maplewood, MN 55109

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All items collected are distributed free of charge to recipients by the United States Marine Corps. 

Unity One CU informs: Skip the lap. Get the loan!

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Put a little jingle in your holiday season!

Holiday Loan Rates as low as

7.99% APR*

Loan amounts 
up to $2,500*
bells Terms up to 
12 months*

Get Started!

*APR = Annual Percentage Rate quoted “as low as.” Qualifications apply. Other rates and terms may apply. Minimum loan amount of $500. Payment for $2,500 borrowed at 7.99% APR for 12 months is $217.46.  Not available on existing Unity One loans. Some restrictions may apply. Offer expires 12/31/2018.

Unity One CU Scheduled Maintenance - November 2018

System Maintenance will be conducted on the following days. This may affect online, mobile and telephone banking performance temporarily.

Tuesday, November 20, 7 p.m. - 12 midnight
Friday, November 30, 7 p.m. - 12 midnight

 

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Join us in celebrating International Credit Union Day

October 18, 2018, will mark the 70th anniversary of International Credit Union Day. Credit unions all over the world will be celebrating the history and the success of the “People-not-Profit” philosophy.

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The movement began in the 1840s as a democratic consumer cooperative by weavers in Rochdale, England. Frustrated by bankers who denied them loans simply because they weren’t wealthy, the weavers and workers decided to pool their incomes and loan money to each other. In time, this cooperation put each member on solid financial ground and encouraged their own businesses to flourish.

 The need for equitable financial institutions grew and, in 1971, the World Council of Credit Unions, Inc. (WOCCU) was created to help establish and maintain viable credit union movements. It has become the leading voice for advocacy and governance on behalf of the international credit union community.

Today, over 235 million people are served by credit unions in 109 countries and 6 continents.

Stop by any of our branches on Thursday, October 18 for a sweet treat in celebration of International Credit Union Day. 

 

 

 

Source: https://www.cuna.org

Unity One CU Scheduled Maintenance (Oct 2018)

System Maintenance will be conducted on the following days. This may affect online, mobile and telephone banking performance temporarily.

Tuesday, October 16, 7 p.m. - 12 midnight
Wednesday, October 31, 7 p.m. - 12 midnight

 

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Unity One CU informs: The Addams Family - The Musical

Unity One would like to invite you to support our partner North High School in North St. Paul. 

North High School presents "The Addams Family - A New Musical" November 1, 2, 3, 9 & 10: 7 pm nightly and 2 pm Saturday matinees. For tickets or more info visit www.northdrama.org

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Unity One CU informs: Free credit freezes are here

Free credit freezes and year-long fraud alerts are here, starting September 21st, thanks to a new federal law. Here’s what you should know:

Free credit freezes

Security freezes, also known as credit freezes, restrict access to your credit file, making it harder for identity thieves to open new accounts in your name. Starting September 21, 2018, you can freeze and unfreeze your credit file for free. You also can get a free freeze for your children who are under 16. And if you are someone’s guardian, conservator or have a valid power of attorney, you can get a free freeze for that person, too.

How will these freezes work? Contact all three of the nationwide credit reporting agencies – Equifax, Experian, and TransUnion. If you request a freeze online or by phone, the agency must place the freeze within one business day. If you request a lift of the freeze, the agency must lift it within one hour. If you make your request by mail, the agency must place or lift the freeze within three business days after it gets your request. You also can lift the freeze temporarily without a fee.

Don’t confuse freezes with locks. They work in a similar way, but locks may have monthly fees. If you want a free freeze guaranteed by federal law, then opt for a freeze, not a lock.

Year-long fraud alerts

A fraud alert tells businesses that check your credit that they should check with you before opening a new account. Starting September 21, 2018, when you place a fraud alert, it will last one year, instead of 90 days. Fraud alerts will still be free and identity theft victims can still get an extended fraud alert for seven years.

Credit freezes and the military

If you’re in the military, you’ll still have access to active duty alerts, which let you place a fraud alert for one year, renewable for the time you’re deployed. The active duty alert also gives you an added benefit: the credit reporting agencies will take your name off their marketing lists for prescreened credit card offers for two years (unless you ask them to add you back on).

You can place a fraud alert or active duty alert by visiting any one of the three nationwide credit reporting agencies – Equifax, Experian or TransUnion. The one that you contact must notify the other two. You also can find links to their websites at IdentityTheft.gov/CreditBureauContacts.

Issues with a credit freeze

If you think a credit reporting agency is not placing a credit freeze or fraud alert properly, you can submit a complaint online or by calling 855-411-2372. If you think someone stole your identity, visit the FTC’s website, IdentityTheft.gov, to get a personalized recovery plan that walks you through the steps to take.

For more information, check out Place a Fraud Alert, Extended Fraud Alerts and Credit Freezes, and Credit Freeze FAQs. And if you’re considering a child credit freeze, you also may want to read Child Identity Theft.

Unity One CU informs: Free Shred Day this Saturday!

Save the date! Shred your documents for free at Unity One Credit Union's North Tarrant branch. This event is FREE and open to the community!

Please read carefully:
• PAPER ONLY. Please only bring paper items to be shredded. Remove all other objects. Other objects could injure handlers, volunteers and the shred truck. No binders, glass, books, knives, cassettes, DVDs--and the list could go on.
• BE COURTEOUS. Be courteous of others, and restrict the amount that you bring to be shredded to a few boxes. Only one truck will be onsite.
• BE PREPARED. Be prepared to take your boxes or containers home with you.
• NO COMMERCIAL SHREDDING. We cannot accept commercial or business shredding, as a courtesy to other visitors.

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Unity One CU informs: How to avoid 'neighbor-spoofing' phone calls

Originally written by the Better Business Bureau of Western PA

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Are you experiencing an increase in the number of local calls to your home and/or cell phone? You’re not alone. This phenomenon is called “neighbor spoofing” and it’s the latest caller ID spoof strategy being used by phone scam artists in an attempt to get people to answer the phone. 

For phone scams to be successful, scammers need people to pick up the phone so they can initiate the conversation. Neighbor spoofing uses a spoof caller ID to trick a person into thinking somebody local, possibly even someone they know, is calling. According to experts, this may interest someone just enough to answer their phone. 

Con artists and robocallers use technology to modify what phone numbers appear on caller ID, impersonating phone numbers from neighbors, friends and local businesses to try to get you to answer the call. In many instances, it is a random number with the same area code and first three digits as your own phone number. In other cases, the number displays as coming from a local business or person in which you’ve previously communicated.

Answering one of these caller ID spoofed calls will indicate to the robocaller that you have an active phone line. Active phone lines are valuable to phone scammers and will often put you on what is referred to as a “sucker list,” potentially opening your phone line up to more scam calls. 

Here are a few BBB tips to help identify and handle “neighbor spoofing” phone calls:

  • Avoid answering calls from phone numbers you don’t recognize, even if they appear to be local. If it’s important, the caller will leave a message. 
  • If your own phone number is used in a caller ID spoof call, you may receive calls and messages from people asking why you called them in the first place. This can lead to a lot of confusion between the two parties, but knowing your own number can be used by scammers may help explain the situation. 
  • Be aware that phone numbers of local businesses, including doctor’s offices and/or insurance agents, may appear to be calling you. If you’re not certain whether the call is legitimate or a spoof, hang up and dial the known phone number for the contact to verify the communication, especially if personal and/or financial information is being requested.
  • There are call blocking apps that may help decrease the amount of spam calls, including those using a spoof caller ID. Your phone carrier may also provide a similar service or offer advice.
  • Make sure your phone number is on the National Do Not Call Registry. Though it is unlikely to prevent most phone scam calls, it will help to reduce calls received from legitimate telemarketers, which can be helpful in screening fraudulent calls. 

And remember, Unity One Credit Union will NEVER ask you for unsolicited personal or account information. If you receive such a phone call, please hang up and call us at
1-800-628-5517.

For more information on nuisance calls, contact the Federal Trade Commission (FTC) and report phone scam calls to BBB Scam Tracker.

Unity One CU Scheduled Maintenance (Sept 2018)

System Maintenance will be conducted on the following days. This may affect online, mobile and telephone banking performance temporarily.

Tuesday, September 18, 7 p.m. - 12 midnight
Saturday, September 29, 2 p.m. - 7 p.m.

 

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