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Credit union informs: Person-to-Person service now available!

 

Express Pay, or P2P payments, is an innovative way to send or receive money via email or text message. The service offers you the ability to request payments from anyone, or make fast, convenient payments anytime, anywhere using your preexisting checking or savings account. You can use Express Pay to:

  • Send money to your child at college
  • Send a gift to friends or family
  • Pay back friends for an event
  • Pay rent or a babysitter

View the video below to learn how to make transfers to your friends and family using Express Pay.  

*There is a $2 fee to transfer funds via the Express Pay system. 

 

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 30,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™ www.unityone.org

Credit union upgrade strengthens CYBERSECURITY

 

Given recent concerns regarding cybersecurity and impending legislation to protect consumers, we wanted to take this time to reassure members that preventing cyber attacks is our utmost priority. The Unity One Credit Union systems conversions occurring March 24 will improve existing practices and will do a better job to protect data against intrusions. credit union cybersecurity

Here are just a few ways that the upgrade will keep your data protected against cyber attacks.

  • Improved encryption
  • Improved server
  • Data is housed at a secure location that monitors 24/7
  • Enhanced account alerts that detect misuse abroad and even out of state (this also includes failed attempt alerts)
  • Out of band authentication

We want you to feel comfortable with this switch. For more information, let us know. To learn more about the upcoming conversions, click here.


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Credit union informs: Now offering private student loans!

 

Student loans

Unity One Credit Union has partnered with the North Texas Higher Education Authority (NTHEA) to offer private student loans to our membership.

The Texas Extra Credit Education Loan program has been designed exclusively for Texas residents attending approved colleges or universities anywhere in the country. By offering competitive fixed and variable interest rates, a variety of repayment terms and options, valuable borrower benefits and outstanding customer service, we know the Texas Extra Credit Education Loan is the right answer to your education financing needs. 

Benefits of the program include:

  • Interest rate reduction just for graduating
  • Interest rate reduction for making monthly principal and interest payments directly from a savings or checking account
  • Release of cosigner from liability after 24 on-time consecutive monthly loan payments
Learn More      Apply Online

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 30,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™ www.unityone.org

Credit union informs: Important notice for Unity One mobile users

 

IMPORTANT NOTICE ABOUT UNITY ONE'S MOBILE APP   

 

Unity One CU is upgrading the way you bank on your computer, using your mobile device and by telephone March 24 by converting to new software. More information about the conversion and how it improves the member experience is on our Web site. We're confident that you will like what you see.

Please follow the steps below to ensure a smMobileAppbanner resized 600ooth transition:
  • DOWNLOAD the new credit union app, available March 24.
  • UNINSTALL the previous version.
  • LOG IN to Express Online Banking in a browser and accept the disclosures. Note: This step must be done before using your new credit union app.

If you have any further questions about the conversion, we encourage you to visit our Web site for frequently asked questions (FAQs) or to view a demonstration of the new software.  

Important info for Unity One account alert users

 

IMPORTANT NOTICE ABOUT ACCOUNT ALERTS  

 

Unity One Credit Union is upgrading the way you bank on your computer, using your mobile device and by telephone March 24 by converting to new software. More information about the conversion is available on our Web site. We're confident that you will like the new experience and capabilities.
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It appears you currently have ACCOUNT ALERTS established, and we wanted to make you aware of the unique circumstance this conversion will present.
  • You will need to set up NEW account alerts once the upgrade has taken place. The conversion, occurring on March 24, will disable all previous alerts. While you will be able to view those alerts on the old system, they will not be active.
  • Click here for a quick guide to help you set up your alerts in the new online banking system. 

We apologize for this inconvenience. Please know that we have exhausted every avenue to make this conversion as hassle-free as possible. 

 

If you have any further questions about the conversion, we encourage you to visit our Web site for frequently asked questions (FAQs) or to see a demonstration of the new software, or call us at 817-306-3100 or 800-628-5517.

Credit union informs: Building credit for #FirstTimers

 

Youth with credit cardHow do you get a loan or a credit card? By showing prospective lenders that you're responsible enough to pay your loans and credit cards on time. 

Therein lies the catch-22 of credit. How are you supposed to get approved if you've never had a credit card or loan before?

Here are a few simple steps to begin building credit:

1. Sign up for a loan with a co-signer who already has good credit. A co-signer is simply someone who agrees to be responsible for the loan if you are unable to pay for any reason. Financial institutions are more likely to approve a loan for somebody with no credit history if there is a responsible co-signer. 

2. Get your own starter credit card. Many financial institutions offer secured credit cards. These cards allow you to put money in your account on hold to be used as collateral. So if you want a card with a $500 limit, you would need $500 in your bank account to cover that. Keep in mind while secured cards sound similar to debit cards, they are different. Secured credit cards report to the credit bureaus; debit cards do not. 

3. Only charge what you can afford to pay off. Building good credit means demonstrating the ability to pay back the money you owe. By charging small amounts and paying them back in full and on time, you're proving that you can manage credit responsibly. 

4. Stay well under your credit limit. You’ll be scored favorably if you keep below 30% of your total credit limit.

For more tips on establishing credit, check out our Twitter page. 

I would like to speak with a loan officer.

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 30,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™ www.unityone.org

Credit union informs: Live DEMO this Friday!

 

1955 UnityWebLayoutV2 Page 3Live demonstrations at the Stockyards Branch

Changes to how you bank with Unity One CU online, by telephone and by mobile device are arriving March 24. We would like to demonstrate these upgrades up close and in-person before they go live. You're going to like what you see.

Will you join us?

Friday, February 27
11 a.m. - 1 p.m.
Stockyards branch


If you are unable to attend, there are other live demonstrations planned. Click here for more information about the online, mobile and telephone banking upgrades

Unity One Credit Union is committed to making your member experience hassle-free and pleasant. Thanks for your patience, as we continue to make improvements you can feel good about. 

View a live demo!

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 30,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™ www.unityone.org


Credit union informs: Investing for retirement

 

F.E. Class - FebHow much money do I need to begin investing? Where should I put my retirement money? Stocks? Bonds? What's the right mix?

If you find yourself asking these questions, Unity One can help! We have partnered with WWK Wealth Advisors to help make sense of investing. We know that success in retirement requires careful planning and investing. Together, we want to help our members reach their retirement goals.

Here are a few important tips, whether you're new to investing or just like a quick refresher, to follow when investing for retirement:

  • Consider the lifestyle you hope to lead. You may need between 60% and 80% of your final working year’s salary each year during retirement to achieve your goals. 
  • Consider the inflation factor. Assume that inflation will average about 4% in the future. Develop and refine your plan through the years, keeping in mind that inflation can potentially spike or dip substantially in the short term. 
  • Develop your retirement plan to include stocks, bonds and money market accounts. Each asset class has different risks and return characteristics, so determine your risk tolerance and plan accordingly. An aggressive mix may include 10% money market instruments, 10% bonds and 80% stocks while a conservative mix may include 20% money market instruments, 50% bonds and 30% stocks. 
For more financial tips, join us at our next FREE financial education class. 
RSVP to the next FREE seminar

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 30,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™ www.unityone.org

Credit union informs: Jewelry sale at the BNSF Campus branch

 

Join Unity One and the Lonestar Employee Club this Friday, February 20, at our BNSF Campus branch for a jewelry sale! Sam's Club and Costco will also be at the branch with goodies for our members. 

LSEC Jewelry Sale

Find a Unity One Branch

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 30,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™ www.unityone.org

Credit union informs: Filing taxes for #FirstTimers

 

filing taxesMany college students have grown up hearing their parents and the media complain about the headache of tax season. Now that many of these students are on the brink of adulthood, the time to start thinking about filing is sooner than they think.

Here are a few tips from NerdWallet, that can help #FirstTimers file their taxes:

1. Always file if you have had taxes withheld from your paycheck. The law states that a dependent student who earned an income less than $6,100 in a tax year is not required to file taxes. However, by not filing you are essentially giving the IRS a donation.  

2. You cannot claim tax exemptions if you are a dependent. Knowing your status as a dependent on your parents' tax returns is crucial to filing your taxes properly. Dependents cannot claim any exemptions when filing their own taxes, so check with your parents before filing your taxes. 

3. Take advantage of free tax assistance at your college. Many colleges offer tax assistance for their students. Call your counselor's office to find out if it is available at your school. 

4. Start preparing early. The deadline to file is April 15, but it is important to begin well before that date. Starting early allows you to seek guidance and acquire the required documents. 

5. Don't pay to file taxes. College students are eligible to use the IRS tax filing software at no cost. 

6. Do not overlook deductions for your education. Be sure to look into education tax credits and earned income tax credits. 

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

Follow Unity One on Twitter

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 30,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™ www.unityone.org


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