p2 Join Our Wills, Trust & Probate Webinarsp2 Take Control of Your Debit & Credit Cardp2 Home Sweet Homep2 Ready to Send Your Savings

Into Overdrive?

INSIDE THIS ISSUE

3RD QUARTER 2021

Report Card

p3 Meet Your New Hyde Park Branch Managerp3 In Loving Memory of Ronald J. Nawrockip3 Back-to-School Supply Drive p3 Community Shred Daysp3 3 Easy Ways to Pay Your Loan Without

Visiting a Branch

p4 Co-Op Shared Branchingp4 Reward Yourself with uChoose Rewardsp4 Traveling with your UCU Credit or

Debit Card?p4 Holiday Closingsp4 Holiday Club Account Distribution

*APR = Annual Percentage Rate. Current offer is maximum of $900 at an interest rate of 9.00% APR. Loan term is 9 months. All loan approvals are subject to normal underwriting guidelines. Other rates and terms available. Promotion ends December 31, 2021.

CALL: 1.773.376.6000VISIT: unitedcreditunion.com

$900AT 9% APR* FOR 9 MONTHS

Right now. enjoy

Spread some cheer when you check off your holiday wish list this year

Signature Loanwith a

CONGRATULATIONS 2021 SCHOLARSHIP WINNERS!

This year, United Credit Union launched its scholarship program to help credit union members and their families

pursue their education goals after high school. The program offers an opportunity for high school graduating senior pursuing an Associates, Bachelors or Certification to apply for a $1,000 scholarship.

We are pleased to have awarded $5,000 in scholarships to 5 graduating seniors to support the next chapter in their educational journeys.

TAKE CONTROL OF YOUR DEBIT & CREDIT CARD Access. Control. Anytime. Anywhere.With the free CardValet® app, you can manage and monitor your United Credit Union Debit and Credit card(s).

Fraud Protection• Real-time alerts keep you informed when your cards are used• Transaction controls allow your cards to work only in specific

locations or geographic areas• When your cards are "off," no withdrawals or purchases will

be approved

Control Spending• Set spending limits for general use or specify thresholds by

merchant types, such as gas, groceries or retail stores• Establish controls by location and change parameters via your

mobile device• Review Balances and Transactions• Monitor your finances anytime, anywhere by using the

CardValet app to check your account balances or review recent card transactions

Getting started with CardValet®

Download the FREE mobile app on the Apple® App Store or Google® Play and select new user to begin. CardValet® will gather a few details and prompt users to create a username and password. It is important all personal information entered matches the primary account holder’s information to ensure proper registration.

JOIN OUR WILLS, TRUST & PROBATE WEBINARS

• Saturday, October 16, 2021 11:00 AM – 12:00 PM

• Wednesday, October 20, 2021 6:30 PM – 7:30 PM

Attend our free webinar to learn the basics of the estate planning process, how to keep your loved ones out of probate court after your death, and how to set up a living trust in the best interests of your assets and your family.

READY TO SEND YOUR SAVINGS INTO

Overdrive?If you've been thinking about purchasing a new or used vehicle, know United Credit Union is here to help you get behind the wheel with simple and affordable financing. We keep the process easy from start to finish. Plus, our auto loan features benefits that'll keep your budget on track.

*APR = Annual Percentage Rate. 100% financing available for up to 84 months. Interest rates on new vehicles (2020 – 2021) as low as 1.75% APR for 12 to 36 months. Rate advertised includes 0.25% discount for eStatements; 0.25% discount for direct deposit, payroll deductions or ACH payment; 0.25% discount for pre-approval; and a 0.25% membership appreciation discount.

**First payment may be deferred up to 2 months. Interest continues to accrue during deferred payment period. Offer is valid for the purchase of a new or pre-owned vehicle and refinances from another lender. Credit qualifications apply. Some restrictions apply. Offer valid as of July 1, 2021 and is subject to change at any time.

CALL: 1.773.376.6000 VISIT: unitedcreditunion.com

2 MONTHSNO PAYMENTS**

AUTO LOAN RATES AS LOW AS1.75%

APR*

HOME SWEET HOMEWhether you’re buying or thinking about refinancing, United Credit Union can make getting a mortgage quick, easy and affordable. Give us a call at 1.773.376.6000 to schedule a one-on-one consultation with a mortgage expert.

In Loving Memory of Ronald J. Nawrocki

It is with great sadness that we announce the passing of Ronald J. Nawrocki. Mr. Nawrocki was President/Chairman of United Credit Union from 1971 to 2005 and served on the Board of Directors from 2006 to 2018. He will be remembered for his dedication to United Credit Union and strong committment to the credit union movement. Our deepest condolences go out to the entire family.

BACK-TO-SCHOOL SUPPLY DRIVEUnited Credit Union participated in the back-to-school supply drive sponsored by The Chicago Teachers Union and Creative Reuse Exchange (CCRx). We accepted donations at our branch locations and helped stuff 4,000 book bags. Thank you to everyone that made such generous donations.

COMMUNITY SHRED DAYSWe are proud to announce the success of our Free Community Shred Days. This year’s events were held at our Hyde Park branch and the Polish National Alliance. Community members were invited to bring their personal documents to be safely destroyed on-site. A special thank you to the Hyde Park Chamber of Commerce and the Polish National Alliance for helping us make these events a success.

3 EASY WAYS TO PAY YOUR LOAN WITHOUT VISITING A BRANCH

1. Online Banking: Sign up for Online Banking to make loan payments, transfer money, and access your account 24/7. Scan the QR code to the right to get started.

2. Direct Deposit or Payroll Deductions: Set up loan payments to be automatically transferred from your paycheck or account at another financial institution.

3. Pay with a Debit Card or Credit Card: Members can use the payment portal on our website to make quick payments using a debit card or credit card. Simply, visit www.unitedcreditunion.com and click “Make a Payment” under the “Loans” tab. It’s that easy!

MEET YOUR NEW HYDE PARK BRANCH MANAGERUnited Credit Union is pleased to announce Edgard R. Ortegaray Jr., as the new Branch Manager/Business Development Officer for the Hyde Park branch located at 1526 E. 55th Street. Mr. Ortegaray brings 20 years of financial and customer service experience to the position.

As the Branch Manager/Business Development Officer, Edgard is responsible for directing the growth and operational efforts of the branch. He will ensure that members receive excellent customer service and provide staff training, coaching and mentoring.

Prior to joining United Credit Union, Edgard worked for JP Morgan Chase and held various positions including Branch Manager, Financial Advisor and Licensed Commercial Banker.

His personal passion is “helping people be successful in life.”

Locations

©2021 214490 LKCS | lk-cs.com

TELEPHONE1.773.376.6000WEBSITEunitedcreditunion.comE-MAILunitedcu@unitedcreditunion.com

GET THE LATEST UCU NEWS ONFACEBOOK, TWITTER, & INSTAGRAM

Your savings federally insured to at least $250,000 and backed by the full faith and credit

of the United States Government

National Credit Union Administration,a U.S. Government Agency

This information is subject to change and may be modified or terminated at any time without notice.

CHICAGO TEACHERS UNION1901 W. Carroll Ave.Suite 201AChicago, IL 60612Mon. Wed. & Fri. 9:00am – 5:00pm

EVERGREEN PARK 9148 S. Western Ave.Evergreen Park, IL 60805Mon. – Fri. | 9:00am – 5:30pmSat. | 8:30am – 12:30pm

PETERSON4747 W. Peterson Ave.Suite 100Chicago, IL 60646Mon. – Fri. | 9:00am – 5:30pmSat. | 8:30am – 12:30pm

HYDE PARK 1526 E. 55th St.Chicago, IL 60615-5550(Hyde Park Shopping Center)Mon. – Fri. | 9:00am – 5:30pmSat. | 8:30am – 12:30pm

PULASKI4444 S. Pulaski Rd.Chicago, IL 60632-4011Mon. – Fri. | 9:00am – 5:30pmSat. | 8:30am – 12:30pmDrive Up Hours Mon. – Fri. | 8:00am – 6:00pmSat. | 8:00am – 1:00pm

@UnitedCreditU @UnitedCreditUnion@UnitedCreditUnion

When traveling out of the country with your United Credit Union Debit and/or Credit Card, please notify us of your travel plans at least one business day prior to leaving. All international transactions are blocked unless you inform us ahead of time.

Advance notification will help ensure that legitimate purchases are approved.

You can notify the credit union by calling 1.773.376.6000.

REWARD YOURSELF WITH uCHOOSE REWARDSEarn points for qualified purchases, both in-store and online, when you use your credit card from United Credit Union. Points earned can then be redeemed for gifts cards, travel, electronics and more. You can also redeem reward points for cash back!

DON'T HAVE A CREDIT CARD? Apply online at unitedcreditunion.com or call 1.773.376.6000.

CO-OP SHARED BRANCHINGAs a United Credit Union member, you have access to over

5,000 shared branch credit union locations nationwide. Search for a participating branch near you.

TEXTText a Zip Code to 91989 to find nearby ATM and Shared Branch LocationsSB=Shared Branch SBX=Shared Branch Express

CALLCall 888.748.3266 to find a location by telephone.

LIVE HELPAvailable to CO-OP Shared Branch members. Call 888.837.6500 for live personal assistance.

HOLIDAY CLOSINGSVeteran’s Day – November 11th

Thanksgiving Day – November 25thChristmas Eve - December 24th - close at 1pm

Christmas Day – December 25thNew Year’s Eve – December 31st - close at 1pm

New Year's Day - January 1st

TRAVELING WITH YOUR UNITED CREDIT UNION CREDIT/DEBIT CARD?

HOLIDAY CLUB ACCOUNT DISTRIBUTIONFunds in the Holiday Club Account will automatically transfer to the Savings Account on the evening of October 31, 2021 – just in time for the holidays! Our Holiday Club Account allows members to save money throughout the year in anticipation of holiday shopping. A Holiday Club Account can be opened at any time during the year. Deposits can be made via Payroll Deduction or ACH Deposit and you specify the amount you want to set aside each month. Visit any of our locations and open your Holiday Club Account today!