Credit union informs: Gear Up 4 School

Posted by Alyssa Guillory on Tue, Aug 04, 2015 @ 03:53 PM

Join us at our annual Gear Up 4 School event at the Stockyards branch on Saturday, August 22, from 8 - 10 a.m. There will be free school supplies, great music and entertainment for the kids. 

*Students must be present to receive school supplies. First come, first served. While supplies last.

Gear-Up---Saginaw-Chamber-Invite

Topics: Fort Worth, Unity One Credit Union, gear up 4 school

Credit union informs: School Supply Drives in Fort Worth & St. Paul

Posted by Alyssa Guillory on Mon, Aug 03, 2015 @ 03:42 PM

Unity One Credit Union supports the following school supply drives in the north Fort Worth and Saint Paul, MN areas.

2015_School_supply_drive

B2S_Merrick_Unity

Topics: school supply, st. paul, north fort worth

Credit union informs: Do you need money for college?

Posted by Erayne Hill on Fri, Jul 24, 2015 @ 09:40 AM

The new school year is right around the corner, and with that comes a stack of required readings, what-seem-like never-ending lectures, research papers, late night cram sessions, dorm room parties, sporting events and hanging out with friends. It’s the college way of life - and it costs money. But don’t fret because Unity One Credit Union can help!unity one credit union student loans

We now offer private student loans through one of our partners. So if you need extra money to cover all of your educational expenses, check out the Texas Extra Credit Education Loan on our site to learn more about its first-class features and benefits, including:

  • Competitive fixed and variable interest rates
  • 0.25% interest rate reduction just for graduating*
  • 0.25% interest rate reduction when you sign up for Auto Debit payments*
  • No origination or disbursement fees
  • Multiple repayment terms and options
  • Real-time loan comparison tools and repayment calculators

With so many great options, it’s easy to see why the Texas Extra Credit Education Loan is the right choice for your educational needs.

To learn more or to apply, visit www.unityone.org.

  Apply Online

* All rates and benefits are dependent on qualified applicants meeting certain requirements and conditions. For complete details about Texas Extra Credit including program specifics, eligibility requirements, repayment examples, repayment options and benefits, or to apply, click the link above.

Credit union informs: What is Privilege Pay?

Posted by Erayne Hill on Wed, Jul 22, 2015 @ 05:17 PM

Credit union informs: What is Privilege Pay? 

Q: What is Privilege Pay?

It is account overdraft protection, provided by your credit union.

Q: What are overdrafts?

Overdrafts occur when you do not have enough money in your account to cover a transaction. Unity One provides the following overdraft services:

  1. We offer Overdraft Privilege Pay to qualified account holders.
  2. We offer overdraft protection, such as a link to a share account. Sufficient funds must be available in the share account to be activated.
  3. We offer a line of credit loan to qualified borrowers.

Unity One will pay overdrafts up to a member's available overdraft limit for the following types of transactions:

  • Checks and other transactions made using a checking account
  • Automatic bill payments

If a member does not opt-in for Overdraft Privilege Pay, and he/she does not have sufficient funds to cover a transaction, we will decline and not pay overdrafts for the following types of transactions:

  • ATM transactions
  • One-time debit card transactions

Overdraft coverage will be available at our discretion, which means we do not guarantee that we will always authorize or pay any type of transaction. If we do not authorize and pay an overdraft, the transaction will be declined.

Q: What fees are charged if I overdraw my account?

If we pay the transaction with Overdraft Privilege Pay, members will be charged $30 per transaction.

If we do not pay the transaction with Overdraft Privilege Pay, the member transaction will be declined and a charge of $30 per transaction, plus merchant fees or penalties, will be charged.

There is no limit to the number of total fees we can charge for overdrawing accounts.

Members and joint owners have the right to revoke opt-in consent at any time, and Unity One Credit Union will discontinue the Overdraft Privilege Pay service.

Opt-In for Privilege Pay

Federal law requires members an opt-in consent in order for the credit union to pay overdrafts for transactions including ATM withdrawals and one-time debit card purchases made at a store, online or by telephone.

If a member does not opt-in for Overdraft Privilege Pay with Unity One Credit Union, debit card transactions will be declined if funds are not available.

Click here to read more.

Contact Us

Credit union informs: Promote your business at Gear Up 4 School

Posted by Alyssa Guillory on Tue, Jul 21, 2015 @ 03:28 PM

Gear_Up_Flyer_-_Vendors_-_English

Reserve your booth now!

Topics: Fort Worth, fort worth stockyards, Unity One Credit Union, gear up 4 school

Credit union informs: Shake, Rattle & Bowl for Children's Miracle Network

Posted by Alyssa Guillory on Wed, Jul 15, 2015 @ 10:32 AM

Smiles_header

Put your money where the smiles are. 
The moment a child arrives at Cook Children's, a miracle is in the making. Patients and families may never meet many of those who make their care better, but you can be part of our extraordinary team making a difference. With your support, we can give more local kids the miracles they deserve.

Landon-smallMeet Landon, age 8
Hometown: North Richland Hills
Diagnosis: Cerebral Palsy

Looking at Landon, you would never know he suffers from a medical condition. There are many natural movements and common tasks that don't come easy for him, but his willpower to succeed and lead overshadow any struggles he may have.

He has weekly physical therapy appointments and daily exercises to ensure his leg muscles are able to function properly and provide him the necessary range and motion needed to stay active. In addition to therapy, Landon also receives regular Botox injections as part of his treatment.

Landon loves sports, especially baseball, and playing with his friends.

Dream with us and see where generosity takes us.
On August 11, the Fort Worth Chapter of Credit Unions will host Shake, Rattle & Bowl to help make miracles happen. Every child deserves to have excellent healthcare, and we are committed to making sure that happens by supporting Credit Unions for Kids. But, the best part is you can help too.

Unity One Credit Union is asking you to make a donation towards their annual Shake, Rattle & Bowl fundraising event. 100% of the funds raised will benefit Credit Unions for Kids, directly impacting patients and families at Cook Children's. Each gift is an investment in the health and well-being of children in our community. With a minimum donation of $5, you can make a difference. Thank you for your generosity.

Give a miracle.

Topics: Fort Worth, Unity One Credit Union, children's miracle network

Credit union informs: 7 Ways to Protect Your Identity While on Vacation

Posted by Alyssa Guillory on Wed, Jul 08, 2015 @ 04:52 PM
shutterstock_228227842-smallSummer vacation season is finally here. While there is a lot to look forward to like relaxing with your family or making a trip to the beach, it's also a prime time of year for identity thieves. 

Here are a few tips from NerdWallet that can help protect your identity while on vacation:
  1. Sign up for bank fraud alerts. A simple text or email notification can help notify you of any suspicious activity on your account while you're away.  
  2. Be careful surfing on public Wi-Fi spots. Hackers may be able to access public networks and see any information you send over them, so be careful not to send sensitive data (like usernames or passwords) while connected to public Wi-Fi.  
  3. Install phone-tracker software. If your device goes missing, you may be able to use "Find my iPhone" or similar software to pinpoint your device's exact location. 
  4. Keep your purse or wallet secure. If you carry a purse or wallet, make sure to keep it in front of you. This makes it much harder for thieves to steal your belongings. 
  5. Be careful around ATMs. Look for skimmers on the ATM prior to using. Skimmers can steal the data from your card, allowing thieves to make counterfeit cards.
  6. Watch out for fake front desk calls. Thieves will often times call hotel rooms asking you to confirm sensitive details about your credit/debit card. If this happens, hang up and call the front desk staff to see if they really need this information. If not, you may have just stopped an identity thief. 
  7. Leave your important financial files at home. Social Security cards as well as credit and debit cards that you do not plan to use should be left at home while you're on vacation. 

Your summer vacation should be a time to relax, not stress, so take the steps now to avoid crossing paths with an identity thief. 

Summer Loan Sale

Topics: Unity One Credit Union, identity theft, vacation

Credit union informs: Creating an Emergency Fund for #FirstTimers

Posted by Alyssa Guillory on Thu, Jul 02, 2015 @ 04:17 PM

shutterstock_225610684-smallWhat is an emergency fund exactly? Why do I need one? Those may be two of the questions any #FirstTimer may have once they are financially independent. 

An emergency fund is the cash you've saved up for the sole purpose of helping you through an emergency. You shouldn't touch the emergency fund at all until you actually need it, so place it into a separate savings account and watch it grow while earning a bit of interest.   

Here are a few tips from The Simple Dollar that can help #FirstTimers make the act of creating an emergency fund less daunting: 

  1. Set your initial target low. Most people start with a goal that seems impossible to reach. An emergency fund can have any amount of money; even $250 can make a huge difference during an emergency. The smaller your weekly savings goal, $10-$20 a week, the easier it is to build the fund.
  2. Request a rate reduction on your credit cards. Many credit card companies will honor requests made to lower your rate. You just have to make the call! Ask to speak with the supervisor and simply request a rate reduction. 
  3. Shop around for better auto and home insurance. Visit insurance companies' websites, get some quotes and shop around. Unity One members are eligible for discounted insurance through Liberty Mutual. Call Tracy McNeil at 817-337-3606 ext. 08650 to receive your free quote. 
  4. Install a programmable thermostat. The key here is to actually use it. Set it so the air conditioner and/or heater doesn't run when your not there. This can cut your bill by 20-30 percent. 
  5. Make a list for grocery shopping. Ten minutes of planning could easily save you money by keeping you focused on the stuff you actually need. 

Follow Unity One on Twitter @UnityOneCU for more updates to our #FirstTimers series. 

Follow Unity One on Twitter

Topics: #FirstTimers, Unity One Credit Union, emergency fund

Drive-thru hours change in August

Posted by Erayne Hill on Wed, Jul 01, 2015 @ 02:23 PM

Effective August 17, all branch drive-thru hours will change to the following:

 

Monday - Thursday
8-5 p.m.
Friday
8-6 p.m.
Saturday
No change
9 a.m. - 1 p.m.
Contact Us

Credit union informs: Make the most of your vacation money

Posted by Alyssa Guillory on Thu, Jun 25, 2015 @ 09:30 AM
One reason to cut costs during your next vacation: You can relax knowing that you'll have funds left over when you get home. Plan ahead to ensure that you get the most vacation for your money:

shutterstock_97530329-small1. Airfare. Book flights on Tingo or Yapta and be eligible for a voucher if the airfare goes down after you've purchased your tickets. Sign up for alerts from Airfarewatchdog; follow other travel sites on social media as well. Call your airline agent and ask for a deal. Use a regional airport--low-cost airlines often don't service the large international airports;

2. Lodging. If you book by phone, ask the desk agent to beat the online rate. Consider an apartment or home rental instead of a hotel--you'll save even more by cooking your own meals. Consider booking a place to stay through airbnb.com;

3. Food. Make lunch your main meal. Lunches often are 30% cheaper than the same entrées on a dinner menu and you'll be less likely to splurge on expensive alcoholic beverages. Stock up on snack foods before you leave home and replenish your supply at local grocery stores rather than convenience marts;

4. Search for vacation package deals. Package deals often give great discounts. Find them on Expedia and Priceline, or daily deal sites like Groupon Getaways and LivingSocial Escapes;

5. Book by your budget. If budget is more important than destination, search "explore" on kayak.com or "flights" on Google.com. Select your departure city, season of travel, price and get ready to be inspired;

7. Add a free destination. Find deals under "special offers" or by searching "stopover" on your airline's website. You might be able to squeeze in an extra destination at little or even no cost; and

8. Travel off-season. If you're flexible, travel in the shoulder seasons--just before or after peak season depending on your destination. Prices are low, the weather could be really nice, shops and restaurants are open and there are fewer tourists.

Summer Loan Sale

Topics: Fort Worth, summer loan sale, Unity One Credit Union

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