you deserve more and you get more at

united financial credit unionJuly 2018

Informerthe

•UFirstRewardsChecking•NewCreditCardOptions

forOurMembers•FreelandWalleyeGiveaway•ScholarshipWinners•HatsOfftoOurGraduates!•SavetoWin•UpcomingClub64Trip

•WealthManagementSeminar

•SeizetheSummer•MoreSavings.More

Possibilities.•4-H&FFACDSpecial•Back-to-SchoolLimoRide

•HolidayClosings•MemberAppreciationDay•FreeYourSummerBudget

I N T H I S I S S U E

Our line of UFirst Rewards Checking Accounts takes checking to a whole new level. Simply choose your reward and start enjoying a checking account that rewards you just the way you want.

Choose from: • UFirst Cash Rewards – earn a great rate!• UFirst Cash Back Rewards – earn cash back!• UFirst iRewards – earn iTunes, Amazon,

and Google Play refunds!

Stop by the Credit Union for more information and to open a UFirst Rewards Checking Account today.

We are excited to offer new Credit Card options for our members!You now have More Choices and More Value when it comes to your Credit Card! You can choose from different card options based on what matters most to you!

Low Intro Rate | Cash Back* | Earn Rewards

Visit our website to learn more! If you are a current United Financial Atira Mastercard cardholder – look for notification in the next few weeks regarding upcoming changes to your card. * Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only within seven business days or as a statement credit to your credit card account within one to two billing cycles.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Mastercard International Incorporated and American Express. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. American Express is a federally registered service mark of American Express.

Scholarship WinnersCongratulations to the very deserving winners of the 2018 United Financial Scholarship Awards:

Hanna RorrerHeritage High School

Austin NotterFrankenmuth High School

Alyssa FritzReese High School

Hannah PeitschFreeland High School

Congratulations to Julie Nagel who was the winner of our $500 Fishing Package Courtesy of Northwoods Wholesale Outlet.

PACK AGE INCLUDED:

Triton ten foot sit on top fishing kayak, 3 rod holders and Kayak PaddleKwik Tek Americana life vest

2 Shakespeare rod and reel combos ready to fish with full walleye tackle boxes

Promar walleye landing net • $100 Northwoods Gift Card

This was a special promotion that was run at the Freeland office as part of our Walleye Festival Celebration.

Freeland Walleye GIVEAWAY

YourChecking.YourReward.

YOUR CHOICE!

The Smartest Way to SaveIt’s time to get rewarded for saving. Open a Save to Win Certificate, and earn entries into monthly and quarterly drawings with every $25 deposit you make. The more you save, the more chances you earn — up to 10 drawing entries per month. Not only will you build your savings and earn interest/dividends, you can win multiple prizes throughout the year.

Save to Win prizes are set at the beginning of each program year, but members can open an account and start winning at any time. Not everyone will win a prize, but if you make regular deposits into your Save to Win account all year, you are guaranteed to end up with more money than you started with. It really is the smartest way to save.

Contact the Credit Union today to learn more.

Thursday, August 23rd • DetroitTigersvsChicagoWhiteSoxatComericaParkGAME TIME: 1:10 PM • COST: $40.00 per ticket

We invite you and your grandchild to join us for Grandparents Day at Comerica Park!

This special package includes: 1 game ticket, an exclusive Detroit Tigers Grandparents Day T-Shirt, 1 food voucher redeemable for a free hot dog, chips, and pop, and the opportunity to participate in the “Stroll Around The Park” with your grandchild. Transportation to and from the game provided by Stretch Limo. Seating is limited so don’t delay!

RSVP DEADLINE: July 20th. For more information or to RSVP – contact the credit union at 989-777-3620 or send an email to marketing@unitedfinancialcu.org.

For Members Ages 64 and Better!

CLUB 64 Trip!

Wealth Management SEMINAR

August 22nd at 6:00pm State St branch (Administration side)

During the seminar brought to you exclusively by MEMBERS® Insurance & Investments, you’ll find out more about your Social Security benefits and discuss the role they play when setting a clear direction for your financial future.

You’ll learn the answers to your Social Security questions, including:• What are the rules for starting your Social Security benefits?• How do spouses coordinate their benefits?• Are their different routes to take that could potentially increase

your benefits?• How do you decide where Social Security fits within your

retirement plans?

Call 989-777-3620 to register today.

HATS OFF to Our Graduates!Congratulations, graduates, you did it! Whatever your post-high school future holds for you, don’t forget that United Financial Credit Union is here to support you through every stage of life. Whether you’re heading to college, saving for a car, starting a new career, or moving out on your own, we’ll always be here to help you along the way.

Check out everything we’ve got for you:

� Checking and savings accounts

� Debit cards � Credit cards

� Low-rate loans � Online banking � Mobile banking app � And more!

Not sure what you need? Stop by the Credit Union, and we’ll be happy to chat with you about your options.

© CUAdvantage.com • 877.799.0784

Federally insured by NCUA.

Impacty o u r c o m m u n i t y c r e d i t u n i o n s

Saginaw

LOAN RATESAs of July 1, 2018

APR* Loan Type As Low As

Vehicle Loans 2.45%Classic Car Loan 7.00%Recreational Vehicle 2.45%• Includes travel trailers, motor homes, boats, motorcycles and snowmobilesPersonal/Signature 7.25%Quick Cash 14.90%First Mortages 4.00%• Fixed & Balloon available

Rural Development, Call for FHA & VA Current Rate

Second Mortgages 5.00%Home Equity Line-of-Credit 4.75%**

Vacant Land 5.00%

Formoredetailsandrates,checkoutourwebsite

www.unitedfinancialcu.org

*APR = Annual Percentage Rate. Rates and terms subject to change without notice.

**Variable rate. Maximum APR of 14.00%.

SCOREBOARD3rd Quarter as of

May 31, 2018

Assets......................$213,164,909.22

Loans.......................$140,631,422.53

Members...................................23,845

Checking.Accounts...................10,405

MISSION STATEMENTUnited.Financial.Credit.Union.will.provide.affordable,.friendly,.and.quality.service.to.our.members..

We.are.committed.to.the.long-term.financial.stability.of.our.credit.union.

members.and.their.families!

Seize the SummerFree up a little extra cash this summer by purchasing your Cedar Point tickets right here at the Credit Union. With discounted ticket prices, we can help you save money to pocket or spend on drinks, snacks, or other goodies at the park! Stop by to learn more.

ADULTTICKET $4700

2DAYTICKET $7200

JR/SENIORTICKET $4300

MORE SAVINGS. MOREPOSSIBILITIES.More money in your pocket, thanks to United Financial and Love My Credit Union® Rewards.

Saving on the products and services you need and use every day is easy with Love My Credit Union Rewards. As a member of United Financial Credit Union, you can get discounts and rewards that include:

� A $100 cash reward with every new line activated with Sprint®! Current customers will receive a $50 cash reward for every line transferred into Sprint® Credit Union Member Cash Rewards. Plus, get a $50 loyalty cash reward every year for every line.* And there’s more! Members are eligible for 25% off accessories.

� Up to $15 off TurboTax® federal products!

� An exclusive smoke communicator and a $100 gift card with a new ADT® monitored home security system. You must call 844-703-0123 to receive this special offer through the Love My Credit Union Rewards Program.

� Trusted protection at true savings with the TruStage® Auto & Home Insurance Program.

� Cash back at over 1,500 online retailers with Love to Shop.

Sign up now and join the credit union members who have saved nearly $2 billion in discounts. Visit www.unitedfinancialcu.org or LoveMyCreditUnion.org today!

CD SPECIALIf you’ve got kids in 4-H or FFA, be sure to bring

them by the Credit Union to take advantage of our special 4-H or FFA Certificate of Deposit.

$5,000 Maximum

5.00% APY* • 6-month term

To open this special CD, simply have your child bring us their check from the sale of their animal or craft item. At the end of the 6-month term, they can use the money to buy their next animal or supplies for the fair, or just continue to save with a Youth CD!*APY = Annual Percentage Yield. CD special is valid for anyone involved in 4-H or FFA. CD must be opened with original check from sale of item at the fair. No additional money can be added at time of opening.

NEW! WenowofferFFA(FutureFarmersofAmerica)CertificatesofDeposit.ContacttheCreditUniontodaytolearnmore.

Our summer Skip-A-Pay program is a great way to free up some money for summer fun! Simply choose to skip your July or August loan payment(s), and use your savings toward a family vacation, weekend getaways, summer barbeques, new patio furniture, or whatever else is calling your name.

A small fee of $30.00 will be charged for each loan payment skipped. Some restrictions apply. Please contact the Credit Union for details and to take advantage of Skip-A-Pay today.

Free YourSummerBudget

PO Box 6430Saginaw, MI 48608

PRSRT STDU.S. POSTAGE

PAIDCUADVANTAGE

Back-to-School Limo RideYour child could be the lucky winner!

Imagine your child’s face when they and their BFF’s get picked up from school by a Stretch Limo Bus! Find out how your kids can be entered to win our Back-to-School Limo Ride contest by visiting www.unitedfinancialcu.org.

All entries need to be in by August 20th. Courtesy of Stretch Limo.

HOLIDAY CLOSINGSINDEPENDENCE DAY

Wednesday, July 4

LABOR DAYMonday, September 3

COLUMBUS DAYMonday, October 8

MEMBER APPRECIATION DAYFriday,September21•11am–3pm

Stop by any branch location for free hot dogs, chips and pop as we show you our appreciation for continuing to choose

United Financial as your trusted financial partner.