Alyssa Guillory

Recent Posts

Unity One CU informs: Shape Up Your Finances 101

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Written by: Michelle M. Haas-Dosher, CCUFC. Originally posted on the CUNA Financial Resource Center.

Improve your financial fitness and manage your wealth. Get your finances in shape by taking these steps:

  • Bulk up your emergency fund. Having a back-up fund may prevent you from having to tap or max out credit cards if your refrigerator dies or your car needs major repairs.
     
  • Improve your credit score. Having a clean credit history is more important than ever. First, obtain your free credit reports from annualcreditreport.com, review them, and dispute any errors. Next, work to improve your score: Pay all bills on time, maintain a healthy mix of credit, use less than 25% of your credit limit, and be sure to pay all fines and tickets—even unpaid library fines or parking tickets may be viewed negatively by potential lenders.
     
  • Stay on top of your accounts. To avoid overdraft fees, account closures, or other unexpected events, regularly monitor your credit card and other account balances.
     
  • Create a spending plan—and stick to it. Bottom line: Expenses should not exceed income.
     
  • Get organized. Consolidate accounts, organize financial documents (paper and digital), and use online banking, which can simplify your finances and reduce the likelihood you’ll miss a payment. Personal finance websites and apps make it easy to track your spending and manage your records, some with services that alert you when bills are due or balances are close to their limit.
     
  • Pay down debt. Attack your high interest credit cards first by paying more than the minimum balance each month. Once you get your debt under control, make it a goal to pay off the balance each month to avoid accumulating interest.
     
  • Use direct deposit. If you still get paper checks, think about switching to automatic deposit. By having all or some of your payroll check directly transferred to your credit union account, you’ll be less tempted to spend what you could be saving.
     
  • Take control of your investments. Regularly review and organize your portfolio, and talk to a financial professional about rebalancing it.

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Unity One CU informs: 3 Financial Tips to Jump Start the New Year

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Written by: Spencer Carver. Originally posted on the CUNA Financial Resource Center.

Did you overspend during the holiday season? Are you feeling the “blue’s” of the new year? Or the “holiday hangover” effect from not only too much egg nog but from spending beyond your means? Don’t worry—most American’s have likely overspent and there is always opportunity to change. The new year can mean a new start and that is the most important step—to start, wherever you are, to change the behaviors so you can create a more financially sound version of YOU. Here are three tips to help you move along your path:

  1. Start automating your savings: Don’t leave this up to will power. With your first pay check of the year, open a secondary savings and start payroll deducting a small amount. Even $5.00 a week can help jumpstart a savings account. It may not seem like much, but over time, you’ll develop confidence that you can save money. Before you realize it, the $5.00 will increase to $10.00 per week, then $20.00 per week. Automating the process will make saving easier.
     
  2. Learn about financial wellness: When was the last time you took a class or read an article that taught you how to manage your finances? Chances are your employer may already offer a financial wellness program for which you may receive credit or points for participating in it. Additional knowledge is never a bad idea. As you learn how to better manage your own finances, your confidence will increase, and your financial habits will improve.
     
  3. Create a budget: Having a budget is THE most important thing you can do. At work, your employer tracks your efforts (input) and your results (output) to help them predict whether you will succeed in your job. A budget is the same thing; it helps you track your input vs. output. Your success is based on your ability to utilize, adapt, and manage your budget. Also, keep in mind that the amount you spend one month may be different than what you spend another month, so it’s important to make changes to the budget regularly.

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Unity One CU Scheduled Maintenance - January 2019

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

Tuesday, January 15, 7 p.m. - 12 midnight
Thursday, January 31, 7 p.m. - 12 midnight

In addition to our normal system maintenance, AT&T will be performing system maintenance as well on January 22, from 12 a.m. - 6 a.m. There may be intermittent service disruptions during this time.

 

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Unity One CU informs: Looking for an unusual 🎁 this 🎄 season?

Looking for an unusual gift for the person who has everything? Consider opening a CD account for your loved one. This is an ideal gift for children, grandchildren, students - anyone who has a financial future!

Our Savings Certificates offer secure, long-term savings at very competitive rates. With all our options, there is sure to be a certificate that meets your needs!

Santa cash stockingPlus, we offer:

  • Flexible terms*
  • Bump-up your rate option*
  • Add to your balance option*

Open a CD with as little as $500!

Rates up to 2.35% APY*

View Our Rates

*Terms and conditions may apply. Certificate of Deposit rates are dependent on term. APY = Annual Percentage Yield. Rates subject to change without notice. Visitwww.unityone.org/rates for more details.

Unity One CU Scheduled Maintenance - December 2018

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

Tuesday, December 18, 7 p.m. - 12 midnight
Monday, December 31, 3 p.m. - 8 p.m.

 

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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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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

 

Contact Us

 

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

The Addams Family Musical Poster

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.

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