Unity One Credit Union Summer Loan Sale starts June 1

Unity One Credit Union wants to help you build your future with a low-cost, personal loan. Starting June 1 until July 31, expect a great rate.

  • Rates as low as 5.99% APR*
  • Terms up to 36 months
  • Borrow up to $20,000
  • No collateral needed
Build Your Future

*APR = Annual Percentage Rate. Rate quoted “as low as.” Must qualify for the lowest rate. Other rates may apply. Minimum loan amount of $500. Offer expires July 31, 2015. Not available on existing Unity One loans. Some restrictions may apply. Payment per $1,000 borrowed for 36 months at 5.99% is $31 monthly.

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.™

Credit union loans

By Morgan Kelsey, sophomore at Texas Tech University and credit union advocateMorgan Kelsey

Taking out a loan is intimidating for anyone. If you have never taken borrowed money, the intimidation is increased. For college students, unless you come from a wealthy background or win the lottery, paying for college without a scholarship, grant or a loan seems impossible. Many college students go in without the knowledge of what getting a loan really means, and they do not have Mom or Dad there to help them understand what they are truly doing.

For students that have recently graduated from college, the burden of loans is heavy with the rising cost of continued education. The total amount of outstanding student loan debt in the United States now tops $1 trillion. To make matters worse, recent graduates have been emerging from colleges and universities, with diplomas in hand, into one of the worst job markets in living memory. Though there was a higher unemployment rate in 1981-82, at 12 percent, the combination of high unemployment and high student debt is a new occurrence.

On top of paying for college, students take out loans for other things too such as cash for spring break or summer, a car purchase or to help pay for housing. These added loans increase the student debt. The key is to know what you are getting yourself in to and understand every aspect of the loan. Things to look for are interest rates and how long you have to pay off the loan. Here are other tips:

  • Majoring in sciences, business and math make you look more marketable to employers and getting your desired humanities or arts as a minor will help you do what you love and pay off the loans.
  • Limit borrowing and maximize scholarship opportunities and government grants that you do not have to pay back.
  • Know the rates of the loan.

In many cases, credit unions have lower interest rates than banks, and they will work with you to help you pay off your loans. Personal loans are highlighted this summer at Unity One Credit Union. Rates as low as 5.99% APR for 36 months are offered. Not too bad.

I would like to speak with a loan officer.

Credit union informs: Walt Disney theme park little known facts

The summer is fast approaching, and more and more Americans are recognizing that vacations revitalize the spirit, bring families closer together and increase work productivity.

Walt Disney parks are definite vacation destinations, but there is more than meets the eye. Here are some fun facts and best kept secrets the parks have to offer:

  • Disney World is actually on the second floor. The first floor, called the Utilidors, is actually below ground. It is where cast members report for work, deliveries are made and trash is carried out.
  • The Florida State legislature was petitioned to make Disney World a separate city.  In 1967, the Reedy Creek Improvement District was born--created to govern the company and its land. Governed by a board of supervisors, the agency has powers typically reserved for city and county governments. It can create schools, criminal justice system and open a nuclear power plant. Crazy.
  • Walt Disney didn't like trash. According to www.wdwinfo.com, Walt Disney went to other amusement parks when he was designing his parks and counted how long a person would hold on to a piece of trash before dropping it.
  • Human characters. If you see a human character, like Mary Poppins, ask him/her a question, and they will go into character.
  • Pirates ride. According to www.wdwinfo.com, an Imagineer named George was killed during the building of the ride. Some say that his ghost haunts the ride every day. Workers have to say "goodnight George" before shutting down the ride each night so that there are no problems the next day.
  • Space Mountain. One of the asteroids is a chocolate chip cookie, and there is a hidden Mickey in the last Red Star picture as you walk up the ramp in line.
  • Toontown. Toontown did not exist prior to the movie "Who Framed Roger Rabbit." Mickey, Minnie and the gang all live in Disneyland; however, their vacation homes are at Disney World.
  • Club 33 at Disneyland. According to neatorama.com, hidden behind a green door in Disneyland's New Orleans Square is a VIP lounge called Club 33. It was built as a secret hideaway for dignitaries and celebrities. The club has seen the likes of Johnny Depp, Elton John and executives of Boeing, Chevron and AT&T. Apparently, it takes about 10 years to get off the waiting list and a $10,000 initiation fee plus another $3,500 each year that you are a member.
  • Green is the color. The ugly parts of the parks like the fences, garbage bins and administrative buildings are painted green to help them blend into the landscape.
  • Mustaches. Even though Walt Disney sported a mustache, he wanted his employees clean shaven. According to neatorama.com, the idea was to make them look the opposite of the "creepy" carnival worker. In the year 2000, the company allowed mustaches; although goatees, muttonchops and beards were off limits. Today, employees must either have their facial hair when they are hired or grow them during vacation.

For more detail on these interesting facts and little known secrets, visit www.wdwinfo.com or neatorama.com. For help financing your dream vacation and more information about credit union loans, contact Unity One Credit Union for solutions.

I would like to speak with a loan officer.

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