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Spring 2010A PUBLICATION OF UNITED COMMUNITY CREDIT UNION

In This Issue:Don’t Let High Gas Pricies Fizzle Your Summer Sizzle

Sour on Your Current Auto Loan

1Quiz for High School Grads

Important Announcement

2

3

4

Tips to Sell Your Home Faster

Are You Financially Fit

UCCU Participates in Relay for Life

Statement of Condition

Holiday Closings

Locations

2011 Holiday Closings

Monday, July 4th – Independence Day

Monday, September 5th – Labor Day

Thursday & Friday, November 24th & 25th –

Thanksgiving Holiday

Monday & Tuesday, December 26th & 27th –

Christmas Holiday

Statement of Condition: as of 6/01/2011 (in millions)

Assets ...............................................................80.3

Loans ............................................................... 54.7

Deposits ...........................................................73.2

Members ..........................................................8,822

Financial Centers:1700 16th St.P.O. Box 606Galena Park, TX 77547Tel: 713-674-5778Fax: 713-674-9207 771 NormandyHouston, TX 77015Tel: 713-450-3454Fax: 713-451-4703 14340 Wallisville Rd.Houston, TX 77049Tel: 713-674-5778Fax: 713-330-9270 14028 FM 2100Crosby, TX 77532Tel: 281-462-9061Fax: 281-462-9064 Internet:www.unitedccu.com Loans by phone &Audio response unit (ARU)713-674-5778 MasterCard® Inquiries:800-237-6211

CoP.O. Box 606Galena Park, TX 77547

PRSRT STD U.S. POSTAGE

PAIDIMAGE.WORKS

53719

Don’t Let High Gas Prices Fizzle Your Summer Sizzle Get Paid at the Pump and Earn Rewards with UCCU’s MasterCard® Credit Card

Let United Community Credit Union pump up the savings and keep you rolling this summer. When purchasing gas at the pump, simply pull out your Platinum, Gold or Classic UCCU MasterCard® Credit Card and you will receive an automatic 5% rebate!

There are no forms to complete or receipts to turn in. Your 5% cash rebate will be automatically deposited into your UCCU savings account on a monthly basis! Enjoy the savings without the burden of extra work!

Don’t have a UCCU MasterCard®? Apply today to take advantage of this exciting opportunity! We have three convenient cards to choose from – Platinum, Gold and Classic. With no annual fee and fixed rates as low as 8.9% APR*, who can resist?

PLUS, use your credit card for the purchase of goods and services and earn a ScoreCard Rewards Bonus Point for each dollar you spend! The points are redeemable for plasma TV’s, digital cameras, name brand merchandise, gift cards, travel awards and more!

Apply today! Visit www.unitedccu.com for details or call us at 713-674-5778.

Sour on Your Current Auto Loan? Maybe $100 will help! United Community Credit Union can help you turn lemons into lemonade. For a limited time only, if we can’t lower your auto loan payment or interest rate, WE’LL GIVE YOU $100. Now that’s a sweet deal!

Whether you’re looking to purchase a vehicle or to refinance, our loan specialists can get you pre-approved in minutes. And the best part is – we offer affordable extended warranties, GAP insurance and credit protection policies to make sure that your purchase is protected.

Plus receive:• $100 pre-paid MasterCard® gift card with any refinance

(for a limited time only)• Quick Pre-Approvals• Affordable loan terms – up to 72 months

Apply today! Visit us at www.unitedccu.com, or speak to one of our friendly loan specialists at 713.674.5778. *WAC. Current auto payment must be listed on your credit report. **APR=Annual Percentage Rate. Advertised rate assumes a 48-month term, and a .80% discount allowed for members with direct deposit, payroll deduction, automatic payments or a down payment of up to 20%. Other terms and rates available. This offer excludes existing UCCU loans. To qualify for this promotion, loan must be at least $10,000. Other qualifications may apply. Rate subject to change without notice. Offer expires August 31, 2011.

Interestmmunity

Pictured from left are Angelica and Damien with their mom and Business Development Specialist, Jennifer Johnson.

Pictured from left are Marissa Vargas and her son, Eduardo, Yabira Hurtado and her daughter,Bryanna, Monica Gonzalez and Armando Lopez.

UCCU Participates in Relay for LifeUCCU employees and their families participated in the

2011 Relay for Life. The American Cancer Society’s annual event gives everyone in communities across the globe a chance to

celebrate the lives of people who have battled cancer, remember loved ones lost, and fight back against the disease.

UCCU’s team stayed on the track all night to support ACS!

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3RD Quarter 2011Summer Editionwww.unitedccu.com

2.45%APR*

rates as low as

Important AnnouncementAt United Community Credit Union, we look for ways to offer products and services that are beneficial to our members. There are obviously costs associated with these products, and we must weigh the costs against the benefits delivered to our members. As part of this analysis, it has been determined that individual account relationships must also be considered.

The regulatory burdens and market challenges for financial institutions continue to grow and, therefore, the cost of account maintenance has also grown. Carrying small balance accounts that have no other activity or account relationships is not cost justified when measured against our purpose of maximizing return to the general membership.

Effective August 31, 2011, any member having a share account balance of less than $100 and having no other account relationship with United Community Credit Union will be assessed a $5 monthly relationship fee.*

We value each member and are sincerely hopeful that everyone will bring their account balance up to the $100 minimum requirement or expand their product usage and thereby avoid the monthly fee. Having any one of the following UCCU products or services will enable members with share balances of less than $100 to avoid the monthly relationship fee: • Direct Deposit • Checking Account • MasterCard® Credit Card

• Certificate of Deposit • Individual Retirement Account • Any type of loan

For more information on the relationship fee, please contact a friendly member services representative at 713-674-5778.

*Members under the age of 18 are exempt from this fee.

Are you Financially Fit?Find Your BALANCE

United Community Credit Union cares about your financial fitness! Are you working out plans for retirement? Trying to lose that extra debt? Don’t sweat it! We’ve provided access to free and confidential financial counseling and education through our new service BALANCE.

Whether you’re interested in developing a savings plan, buying a home or taking a look at your credit report, we want to help! You can work with a certified counselor who can review your options and guide you through personal finance topics.

To track your progress, we also offer BalanceTrack, an online personal finance education program that will guide you through the core aspects of financial management.

Your financial wellness is important! You can reach your goals and we are here to help! Learn more by clicking the BALANCE logo at www.unitedccu.edu, calling the Toll-Free Infoline at 888-456-2227.

Tips to Sell Your Home Faster Moving this summer? If you are gearing up to sell your house, you’re probably wishing for a fast and

painless process. One way of increasing your chances of a quick-sell is by sprucing the place up.

Even if you have a quirky or out-dated home, there are inexpensive steps you can take to increase its appeal. Take the time to create a more marketable home and you’ll soon have buyers running

for their checkbooks.

Finish the “to-do” list - Now is the time to start crossing items off of your “to-do” list. From scratched up walls to broken screens, if you notice problems, the buyer will too. Take a weekend to fix up the small things, and hire help with any major maintenance issues.

Pack up the clutter - If you have kids, pets or just a lot of stuff, put it all away! Clutter turns off house hunters; it is distracting and makes spaces seem smaller. Clear away stacks of paper,

unnecessary furniture and even clothes if you have the storage space.

Depersonalize - While you are clearing your home of clutter, put away anything personal as well. Replace photos with neutral art and place family heirlooms in storage. Personal items can make it difficult for potential buyers to picture themselves living in your house.

Clean like crazy - Invest in some supplies or hire a cleaning service to get your house looking spotless. A clean, tidy home that smells nice does wonders for house hunters. Buyers want to think that the house will always look this nice!

Increase your curb appeal - Spruce up the outside of your home with a coat of paint, landscaping or new lighting. Whatever small steps you can take to make the exterior more appealing will be well worth your efforts. Buyers won’t forget their first impression!

Stage your home - Whether you hire some help or stage yourself, rearranging furniture and decorations can make your house more attractive. Make each room feel light and open by taking out any unnecessary furniture and neatly organizing anything that must stay.

A few hours’ work can make all the difference to potential buyers! And remember, when you’re ready to buy a new home, United Community Credit Union is here to help with our convenient Member Home Loan service.

To contact a friendly mortgage specialist, simply call 832-912-2151 or click the Member Home Loan logo at www.unitedccu.com!

QUIZ for High School GradsNeeds & Wants – Do You Know the Difference?

With high school in the rearview mirror, many recent grads are looking to the road ahead. Come this fall, you’ll be out on your own for the first time. (Ah, sweet freedom!) But, with the high cost of tuition and living expenses, it’s important to be prepared. Learning how to spend and save responsibly is a rewarding and valuable lesson. Wise spenders don’t use all their money for “wants” before taking care of “needs.” To be wise spenders, we must first take care of important things, and then we can think about buying some fun extras.

Below, circle the things you think are “needs.” Get your parents in on it, and together, you can figure out smart priorities!

Gas Video games Music Coffee drinksGroceries iPod® Ice cream InsuranceCar or Transportation Movies Books Internet Dinner at Restaurants Computer Vacation Cable Cell phone Birthday gifts Clothes/Shoes Rent/Housing

Complete this quiz and return it to your nearest United Community Credit Union location during the month of July to receive a FREE GIFT!