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Unity One Credit Union supports Guide Dogs of America

 

In July, Unity One Credit Union participated in the Guide Dogs of America's Hawgs for Dawgs event. All event proceeds benefit the organization. The charity, founded in 1948 by the International Association of Machinists, has given sightless people from all over the U.S. and Canada the ability to move freely in a world of beauty that they cannot see.Hawgs for Dawgs 2014 027 resized 600

This charity is non-profit and fully-certified by the California State Guide Dog Board. The individuals are provided with the dog, harness, training and lifetime follow-up free of charge. The program relies solely upon donations, and they receive no government funding. This year, 2014, over 4,000 dogs have graduated from the program and become dependable Guide Dogs for the blind. It is an honor for Unity One to sponsor this event and get to get to help celebrate the 66th anniversary of GDA, and keep this great charity going.

About Unity One Credit Union

Established in 1927, Unity One Credit Union is the oldest credit union in Texas. A member-driven and not-for-profit cooperative, Unity One CU served the employees and families of the BNSF Railway for 70 years. However, after transferring its corporate headquarters to Fort Worth in 1998, the credit union expanded its field of membership to include other non-railroad companies, organizations and individuals.

Today, anyone who lives, works, worships or attends school in Fort Worth, Blue Mound, Saginaw, Haslet, Keller, Colleyville, Bedford, North Richland Hills, Southlake, St. Paul, MN and Kansas City, KS may apply for membership. Unity One CU has seven branches to serve over 29,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™

Top 20 reasons why credit unions are COOL!

 

There are over 6,800 credit unions in the U.S. Credit Unions have so much more to offer, that many people do not consider. According to Phroogal Blog, credit unions are awesome, and they posted 101 reasons why. We have shortened the list, but we hope that this list makes you think twice about your current banking situation.

Here are 20 reasons why credit unions are COOL:

  • Credit unions are financial cooperatives.
  • The Federal Credit Union Act was signed into law by President Franklin Roosevelt in 1939 to “promote thrift and thwart usury.”
  • Not-for-profit business model
  • Profits reinvested back and not distributed as shareholder dividends
  • Members share a common bond.
  • You’re a member-owner not a customer.
  • But, they know your name.Spank Free Banking
  • Multi-generational banking relationships
  • The credit union motive is to help members, not increase profits.
  • High-tech credit unions have what many big banks offer.
  • No fee checking accounts
  • Better credit card rates and terms
  • Lower fees on accounts and services
  • Cash access on thousands of ATMs
  • Deposits insured up to $250,000 by the NCUA
  • Credit cards that don’t have penalty APRs
  • Provide banking services to underserved communities
  • Credit unions help each other and collaborate often.
  • Support Children’s Miracle Network
  • Once a member; always a member.

Stop getting spanked by banks. Stand up for better because there is better. Credit unions are the answer.

I want to be SPANK FREE!

About Unity One Credit Union

Established in 1927, Unity One Credit Union is the oldest credit union in Texas. A member-driven and not-for-profit cooperative, Unity One CU served the employees and families of the BNSF Railway for 70 years. However, after transferring its corporate headquarters to Fort Worth in 1998, the credit union expanded its field of membership to include other non-railroad companies, organizations and individuals.

Today, anyone who lives, works, worships or attends school in Fort Worth, Blue Mound, Saginaw, Haslet, Keller, Colleyville, Bedford, North Richland Hills, Southlake, St. Paul, MN and Kansas City, KS may apply for membership. Unity One CU has seven branches to serve over 29,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™

Credit union informs: What is Shared Branching?

 

What is shared branching? It's convenience. It's a way to bring Unity One closer to home! Watch this video to learn more, courtesy of the COOP Network.



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About Unity One Credit Union

Established in 1927, Unity One Credit Union is the oldest credit union in Texas. A member-driven and not-for-profit cooperative, Unity One CU served the employees and families of the BNSF Railway for 70 years. However, after transferring its corporate headquarters to Fort Worth in 1998, the credit union expanded its field of membership to include other non-railroad companies, organizations and individuals.

Today, anyone who lives, works, worships or attends school in Fort Worth, Blue Mound, Saginaw, Haslet, Keller, Colleyville, Bedford, North Richland Hills, Southlake, St. Paul, MN and Kansas City, KS may apply for membership. Unity One CU has seven branches to serve over 29,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™


Credit union informs: Top 10 credit unions in Fort Worth

 

Fort Worth Business Press has announced the top Fort Worth area credit unions, and here are the top 10:

  1. American Airlines FCU
  2. EECU
  3. Fort Worth Community CU
  4. Texas Trust CU
  5. Greater TEXAS FCU
  6. Unity One CU
  7. Fort Worth City CU
  8. Liberty One CU
  9. Allied FCU (formerly Arlington FCU)
  10. Tarrant County CU

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About Unity One Credit Union

Established in 1927, Unity One Credit Union is the oldest credit union in Texas. A member-driven and not-for-profit cooperative, Unity One CU served the employees and families of the BNSF Railway for 70 years. However, after transferring its corporate headquarters to Fort Worth in 1998, the credit union expanded its field of membership to include other non-railroad companies, organizations and individuals.

Today, anyone who lives, works, worships or attends school in Fort Worth, Blue Mound, Saginaw, Haslet, Keller, Colleyville, Bedford, North Richland Hills, Southlake, St. Paul, MN and Kansas City, KS may apply for membership. Unity One CU has seven branches to serve over 29,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™

Credit union informs: Single mothers in Fort Worth

 

Single mothers in Fort Worth have the third largest earnings behind Dallas and Houston areas. However many women’s earnings cannot cover the basic necessities that they need to help their families such as; housing, food, child care and health insurance. The Fort Worth Business Press released an article that discusses some of the concerns and statistics surrounding the financial wellbeing of single mothers in cities across the state of Texas.

The article states that “women in the Fort Worth Area earn almost $11,000 less annually than men.” And that women that live above the poverty line in Texas have a hard time acheiving economic security "as they face low-paying jobs, the high cost of child care, the lack of insurance benefits or the high costs of education and housing.”

Unity One Credit Union strives to help people in the Fort Worth area, particularly north Fort Worh, with all of their financial needs. Providing low cost loans to members in times of need is what we aim to do. For more information about a Unity One line of credit or other borrowing options, click below.

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Credit union informs: Plans for the FW Stockyards

 

According to the Fort Worth Business Press, Fort Worth city council voted 8-1 June 10 to grant incentives for major redevelopment in the Stockyards in north Fort Worth. The project is estimated to cost $175 million. Area stakeholders strongly advocate keeping the area's "historic flavor" in architecture, tenants and uses. Fort Worth stockyards pic

California's Majestic Realty and largest landowner, the Hickman famly, are working together to move the project forward. the Majestic partners "understand the Stockyards is unique, and they understand how to market it."

The Hickman-Majestic partnership will include Stockyards Station, the mule barns, cattle pens, and vacant an unimproved property along Excange, Packers Street, Niles City Blvd. and NE 23rd St. It will not include the Hickmans' Livestock Exchange Building.

The Fort Worth Business Press prints that potential uses of the redevelopment include: destination retail, restauarants, craft breweries, hotels, corporate relocations and live cattle auctions.

About Unity One Credit Union

Established in 1927, Unity One Credit Union is the oldest credit union in Texas. A member-driven and not-for-profit cooperative, Unity One CU served the employees and families of the BNSF Railway for 70 years. However, after transferring its corporate headquarters to Fort Worth in 1998, the credit union expanded its field of membership to include other non-railroad companies, organizations and individuals.

Today, anyone who lives, works, worships or attends school in Fort Worth, Blue Mound, Saginaw, Haslet, Keller, Colleyville, Bedford, North Richland Hills, Southlake, St. Paul, MN and Kansas City, KS may apply for membership. Unity One CU has seven branches to serve over 29,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™

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Credit union informs: Shopping center in north Fort Worth

 

According to the Star-Telegram, Dallas-based Weber & Co. bought 70 acres in the Presidio Junction development in far north Fort Worth, to build a shopping center there. The center would be near the recently-opened Costco Wholesale warehouse across from Alliance Town Square.Fort Worth flag

Weber developed Montgomery Plaza, Cityview Towne Crossing, Watauga Towne Crossing and more. According to representatives, letters of intent have been received from "junior anchor" stores, and announcements will be made public within weeks.

"We're under contract with a lot more land out there," Weber said. "We view this as a true retail destination. We're proceeding forward."

Hillwood, the developer of Alliance Town Center, has plans to establish an outlet shopping center with about 50 stores on the east side of I-35W, just north of Cabela's.

About Unity One Credit Union

Established in 1927, Unity One Credit Union is the oldest credit union in Texas. A member-driven and not-for-profit cooperative, Unity One CU served the employees and families of the BNSF Railway for 70 years. However, after transferring its corporate headquarters to Fort Worth in 1998, the credit union expanded its field of membership to include other non-railroad companies, organizations and individuals.

Today, anyone who lives, works, worships or attends school in Fort Worth, Blue Mound, Saginaw, Haslet, Keller, Colleyville, Bedford, North Richland Hills, Southlake, St. Paul, MN and Kansas City, KS may apply for membership. Unity One CU has seven branches to serve over 29,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™

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Credit union informs: Create your own backyard movie theater

 

Unity One Credit Union informs you on how to create your own backyard movie theater. With its summer loan sale, you can make this dream a reality.

SummerLoan14   plasmaOne of the most enjoyable things you can do with your family, relatives and neighbors is to create a temporary or permanent backyard movie theater. With the high cost of movies, and the price of concessions and drinks, it may be well worth considering this idea, even if just for the fun of a one-time event. Here are five things to consider when planning for an outdoor theater experience.

Types of projectors 

First things first: You will need a projector of some sort. There are DLP and LCD projectors available. DLP stands for digital light processing, using mirrors for reflecting light. LCD stands for liquid crystal display, and is like the displays used for most home TV screens. What type you will choose is a matter of preference — and budget — and you will need to do a little research to decide which is best for your needs.

Screen possibilities

There are varying types of screens, from inflatable (costing $300 to $10,000 or more) to manual projection, pull-down types and screens on tripods. Doing a search engine comparison of these screens will provide you with many options to fit most budgets and lifestyles.

Sound speakers and amplifiers

What type of sound you want to provide is also a cost/quality trade-off. However, you can find many speaker systems at your local electronics store that will fit the bill. Consider whether you want to keep it simple, or whether you want full-blown surround sound. How much sound can your community handle where you live? How big will the event be? From small speaker systems — think old time drive-ins — to larger scale PA systems, there are many options to consider for any price range.

What about seating?

Are you going to provide blankets to sit on? Maybe lawn chairs? Folding chairs? Most movies are two hours or so in length; it'll be important to consider your guests' comfort.

Other things to consider

It might be wise to keep track of what the weather is going to be like on the night of your event. Weather.com is a great website for forecasting several days ahead. Also, do you live in an area where bugs are flying about? Maybe consider little handouts of bug spray, citronella candles or some other form of mosquito control. Also consider setting up a self-serve vending area for popcorn and snacks.

Outdoor theaters provide great family and community fun, and make for memorable good times for all ages.

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Credit union informs: Kautzman awarded scholarship

 

Unity One Credit Union named Alexandra Kautzman, a graduating senior of Central High School in Keller, the 2014 Bob Bennett Memorial Scholarship recipient. Her award-winning essay detailed the difference between banks and credit unions and how she would explain the difference to a peer. Scoring was based on a completed application and an essay or video entry. 137 Kautzman(1)

 

Kautzman says of credit unions, “When you deposit money, you are actually buying shares of the company. This is significant evidence that the people are not just consumers but part owners.”

 

She will receive $1,000 to aid with her college expenses at Texas A&M University, where she plans to major in kinesiology and minor in health.
 
Kautzman is the captain of the varsity soccer team, a member of the National Honor Society and Spanish Club and was designated All District 2nd Team in soccer.

 
To be eligible for the scholarship, candidates had to be graduating high school seniors or college students attending a two-year or four-year college or vocational/technical school. They needed to have maintained at least a 2.8 grade point average (on a four-point scale) and be a member of Unity One Credit Union.

The Bob Bennett Memorial Scholarship is a tribute to the life of Robert Bennett, a tireless champion of the credit union movement. He joined Unity One CU in 1954 and served on the Board of Directors until 2002. An advocate of growth and change, Bennett served through five name changes and three mergers. He passed away in December 2002.

 

About Unity One Credit Union

Established in 1927, Unity One Credit Union is the oldest credit union in Texas. A member-driven and not-for-profit cooperative, Unity One CU served the employees and families of the BNSF Railway for 70 years. However, after transferring its corporate headquarters to Fort Worth in 1998, the credit union expanded its field of membership to include other non-railroad companies, organizations and individuals.

 

Today, anyone who lives, works, worships or attends school in Fort Worth, Blue Mound, Saginaw, Haslet, Keller, Colleyville, Bedford, North Richland Hills, Southlake, St. Paul, MN and Kansas City, KS may apply for membership. Unity One CU has nine branches to serve over 28,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™

Credit union informs: Using credit cards wisely

 

Source: Harland Clark - Consumer U

Credit plays an important part in our lives. In fact, the Federal Reserve Bank reported that in 1968, consumers’ total credit debt was $8 billion; today that number exceeds $880 billion.

It is easier now more than ever to get a credit card. Most consumers receive several credit card offers a day, and those that don’t receive an offer may find one on the Internet.

Credit cards provide consumers with immediate buying power when they are short on cash, which can really help in an emergency. Unfortunately, the Federal Reserve reports that approximately 40 percent of American families spend more than they earn. So, although using credit is convenient and easy to use, you must use it wisely to protect your financial future.

Here are some important credit card usage tips to consider.

Don’t just collect credit cards to have more money to spend. Statistics show that at least one in 10 consumers have more than 10 credit cards, with an average of four credit cards per consumer. Not only will you have the potential for overspending, but you will be charged interest rates on each card and will be responsible for repayment.describe the image

Save all of your receipts and reconcile them with your monthly credit card statement. Report any discrepancies immediately.

Plan to pay off your balance each month to avoid interest and other fees. If you cannot, do not make additional purchases on your card until you can do so.

Keep your balance low. Some experts recommend maintaining a balance of no more than 30 to 50 percent of the credit limit.

Always make the payment before the due date to avoid late fees and interest charges.

Don’t use your credit card for everyday purchases like groceries or fast food. Instead, use a debit card, which will automatically debit your checking account and keep your balance low. Statistics show that the average household in 2007 carried a balance of $8,700. Think about the interest charges associated with this balance.

Don’t give out your credit card number over the phone unless you initiate the call and know for certain that the recipient is a legitimate source.

Always keep your credit card account number and the phone number of the creditor’s service line at home in case of a lost or stolen card. If your card is lost or stolen, you should contact your creditor immediately.

Be aware of all fees associated with a credit card prior to accepting an offer. If you have any questions about the fees, be sure to ask prior to signing any type of document. If an offer seems too good to be true, it probably is.

With the increase in identity theft in the United States, it is also a good practice to review your credit report at least once a year. Federal law states that you have the right to one free credit report per year.

Your credit score is a reflection of your payment history, outstanding debt, types of credit you have, the number of inquiries to your credit report, and the length of time you have maintained credit. Typically, your score is reported on a scale of 300 to 900, with a median score of 750. If something seems out of the ordinary, you should call your creditor or credit report agency immediately to investigate the issue further.

For more information on the FACT Act and your credit report rights, click here.

Credit is a part of our everyday life. It is important that you establish credit and keep at least one credit card for emergencies or for such purposes as establishing a line of credit for a utility or lease contract. The key is to control your expenses so credit is a benefit to your financial future.

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