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 informs: Toys for Tots drive in Texas branches.

Unity One Credit Union's Texas branch locations have partnered with Toys for Tots to collect new, unwrapped toys. Toys for Tots, started by the United States Marine Corps, has distributed over 548 million toys to more than 251 million children.  

If you would like to make a donation, please drop your items off at any of our Texas branch locations. Deadline for drop off is December 19, 2018. 

Toys for Tots

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All items collected are distributed free of charge to recipients by the United States Marine Corps. 

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 informs: Toys for Tots Drive

Unity One Credit Union's Minnesota branch locations have partnered with Toys for Tots to collect new, unwrapped toys. Toys for Tots, started by the United States Marine Corps, has distributed over 548 million toys to more than 251 million children.  

If you would like to make a donation, please drop your items off at our Maplewood branch location. Deadline for drop off is December 12, 2018. 

Toys for Tots

Maplewood Branch
1535 Beam Ave.
Maplewood, MN 55109

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All items collected are distributed free of charge to recipients by the United States Marine Corps. 

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 informs: Free Shred Day this Saturday!

Save the date! Shred your documents for free at Unity One Credit Union's North Tarrant branch. This event is FREE and open to the community!

Please read carefully:
• PAPER ONLY. Please only bring paper items to be shredded. Remove all other objects. Other objects could injure handlers, volunteers and the shred truck. No binders, glass, books, knives, cassettes, DVDs--and the list could go on.
• BE COURTEOUS. Be courteous of others, and restrict the amount that you bring to be shredded to a few boxes. Only one truck will be onsite.
• BE PREPARED. Be prepared to take your boxes or containers home with you.
• NO COMMERCIAL SHREDDING. We cannot accept commercial or business shredding, as a courtesy to other visitors.

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Unity One CU informs: Free school supplies, uniforms and more at Gear Up!

 

 

Unity One Credit Union held its twelfth annual “Gear Up 4 School” supply giveaway on Saturday, August 18, from 8 – 10 a.m. at its Stockyards branch located at 2625 N. Main St. (across the street from Billy Bob’s parking lot and next to Los Vaqueros). The event, created to be a resource for families, gifts children with school mandated supplies while exposing them to small businesses and organizations in the community. 

The credit union distributed 350 drawstring backpacks containing items such as: pencils, notebooks, crayons and scissors. Supplies were distributed on a first come, first served basis; students had to be present to receive the supplies.  

For the second year, the event featured FREE uniforms for students through a GoodPop clothing closet, which was graciously sponsored by Goodwill Industries of Fort Worth. In addition to the Fort Worth ISD approved uniforms, students received new socks and underwear to start the new school year off right.

The students were also able to step onto the Essilor Vision Foundation’s vision screening bus for their opportunity to have an eye exam and glasses made on-site while they waited. 

“Being able to partner with Goodwill Industries of Fort Worth and the Essilor Vision Foundation has really turned the event into a place where students can get everything they need to exceed in the upcoming school year. There’s no better feeling than seeing the smile on a child’s face when they walk into class on their first day of school fully prepared,” said Gary Williams, president of Unity One Credit Union. 

In addition to the free backpacks, uniforms and eye exams, attendees enjoyed free breakfast tacos, unlimited Kona Ice, caricature drawings and face painting, as well as the opportunity to visit booths manned by local businesses such as: the Fort Worth ISD Communications department, the Fort Worth Library, LULAC and more.

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

 

About Goodwill Industries of Fort Worth

Goodwill is more than a thrift store. The largest employer of people with disabilities in the world, Goodwill believes that work has the power to transform lives by building self-confidence, independence, creativity, trust and friendships. Everyone deserves this chance.

 

Goodwill Fort Worth’s 23 retail locations provide revenue through the sale of donated goods to support Goodwill’s mission – job training and career services for people with disabilities, such as physical or mental disabilities and other barriers to employment including lack of education or work experience and homelessness. For more information on Goodwill Industries of Fort Worth, please visit www.goodwillfortworth.org.

Unity One CU informs: Santa is coming!

6c616e6a-a89e-4263-878a-ded025f5cbdbYes, you read that right!

Santa is coming this Saturday, July 28, to our North Tarrant branch from 12 - 1 p.m. He'll be decked out in his finest summer attire and ready to take pictures with your little ones. 

And, we'll be handing out gifts and sweet treats to our members at other locations as well.

Plus, you can still take advantage of our special Christmas in July loan rate at any of our branches and online from now until July 31.

We hope to see you there!

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Unity One CU informs: Gear Up 4 School is August 19!

Join us at our annual Gear Up 4 School event at the Stockyards branch on Saturday, August 18, from 8 - 10 a.m.

This year, we are pleased to once again partner with Goodwill Industries of Fort Worth to provide free FWISD approved uniforms for students in grades K-8 at the event. Plus, the Essilor Vision Foundation will be on-site in their mobile eye exam unit to provide free eye exams and eye wear to students! 

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*Students must be present to receive school supplies, uniforms and eye exams. School supplies and uniforms will be handed out on a first come, first served basis while supplies last. Not all attendees will receive an eye exam as appointments are limited. Eye exam appointments are available on a first come, first served basis. The mobile eye exam clinic will be on-site from 8 a.m. - 12 p.m.

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Stay in-the-know by finding us on one of our many social media platforms. With information about upcoming events, scheduled maintence, and much more, you're sure to see the benefit of engaging and banking with Unity One!