managing your finances with unfcu · 2020. 10. 22. · unfcu | serving the people who serve the...
TRANSCRIPT
Managing your finances with UNFCU
UNFCU Geneva 2020 | www.unfcu.org
Introducing UNFCU
3UNFCU | serving the people who serve the world ®
Started by UN staff in 1947
We are a credit union
• Not-for-profit
• Cooperative independent of stockholders
• Committed to serving the UN community
Full range of banking products and services
• Solutions are in US dollars
• 155,000+ members around the world
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Membership open to UN community
UN staff
UN retirees
UN consultants
UN volunteers
Family members of UNFCU members
www.unfcu.org/eligibility
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Lifetime membership
Keep your membership and accounts if you:
Relocate
Separate from the UN
Retire
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Supporting our community
Climate neutral since 2016
Active member of UN Global Compact
Aligned with UN Sustainable Development Goals
Launched UNFCU Foundation in 2015
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Make your money
work for you
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Organize your money by use
Monthly &
daily expensesSavings
Checking accounts High-Yield Savings
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Checking High-Yield Savings
Unlimited free monthly
transfers
Up to six free transfers
per month
Premium rate on up to
$15,000 (qualifications apply)
Higher rates with higher
balances
Overdraft options No overdraft options
Both are federally insured to at least $250,000.
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Modify your daily ATM withdrawal limit
For your security, there is a daily ATM withdrawal
limit on your UNFCU debit card
Modify the limit using Digital Banking
Save on ATM fees with fewer ATM withdrawals
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Share certificates
Fixed term savings accounts with different time
periods
Higher rates with longer terms
Federally insured to at least $250,000
Most need $500 minimum balance and do not
allow additional deposits throughout the term
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Simple Saver Share Certificate
START SMALL, GROW BIG.
24-month term
Open with $250
Add more money anytime
$25 bonus available
Digital Banking enrollment required
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Open and manage accounts from home
Use Digital Banking to:
Open savings and checking accounts
Deposit checks in US dollars
View your statements
Transfer money
Apply for loans or credit cards
Make loan payments
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Member Loyalty Rewards
Member Loyalty Rebates
Save up to $50/month on fees for:
• ATM withdrawals
• Wire transfers
• Savings overdraft
Member Loyalty Dividends
Earn more on your share certificate dividends.
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Accounts for children under 18
Teach your children and grandchildren about
money management
Control their access to the money
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Investment & insurance services
UNFCU members have access to investment and
insurance services from our partners.
Visit www.unfcu.org for more information.
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Everyday purchases
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Debit Card Credit Card
Spend only the
cash you have.
Spend up to your
credit limit.
No reward points
Earn reward points for
every dollar spent.
Redeem points for cash,
travel, and more.
Limited liability, if stolen and
not reported immediately
Zero liability, if stolen and
reported within 60 days
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Limit your contact with cards and machines
All UNFCU cards have the contactless feature
Upload your cards to the digital wallet of your
phone
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Manage your UNFCU cards on Digital Banking
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Borrowing money
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Loans to finance common needs
Unsecured and secured loans
Finance a big purchase or life event
Build or buy a home
Consolidate debt
Purchase an automobile
Pay for tuition and education expenses
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Fixed Rates Variable Rates
Rate does not changeAfter introductory period,
rate changes each month
Number of payments and
amount do not change
Payment amount
will not change.
Number of payments
may change.
No pre-payment penalty
Choosing the type of rate for your loan
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Payment relief options for existing loans
If you have lost income due to COVID-19 and
cannot pay your UNFCU loans, contact us.
We can discuss payment relief options.
If you are able to pay your loans on time, you
should do so. Timely payments can save you
money in the long-term.
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Planning ahead
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Security tips
Use extreme caution before sending money to
someone you have not met.
Do not open files or links you were not expecting.
Install anti-virus software.
Choose strong passwords.
Change passwords often.
Cover keypad when entering personal information.
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A legacy for your loved ones
Appoint beneficiaries on your UNFCU accounts.
Assign a durable power of attorney.
Open UNFCU accounts for your children.
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Resources
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UNFCU website: www.unfcu.org
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COVID-19 updates and information
www.unfcu.org/COVID-19/
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unfcu.org/learn
Retirement
Resources
Webinars Guides Videos
FAQs
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Contact us
Email: [email protected]
Call toll-free from Switzerland: 0800 897 860
Call toll-free from France: 0800 90 2637
Audio Skype: unfcu.skype
WebChat
Visit us in person
Palais des Nations
Building E, Door 41
33UNFCU | serving the people who serve the world ®
Thank you!
Questions?