Plan Today, Enjoy Tomorrow
OCTOBER ::: 2016 InterestTAKE
A QUARTERLY PUBLICATION FOR OUR MEMBERS
Holiday Closings VETERANS’ DAY Friday, November 11 THANKSGIVING Thursday, November 24 Friday, November 25 CHRISTMAS Today, DRIVE-THRU ONLY OPEN: Plan Friday, December 23 9am to 2pm Enjoy Tomorrow. CLOSED: Saturday, December 24 Financial planning for Monday, December 26 the things that really matter. NEW YEAR’S DRIVE-THRU ONLY OPEN: Friday, December 30 United Bay Financial Services 9am to 2pm • 401(k)/Pension Rollovers • Life Insurance CLOSED: • Retirement Planning • Long-Term Care Insurance Jonathan P. Dekker Saturday, December 31 • Education Funds • Wealth Management Financial Advisor, CUNA Monday, January 2, 2017 • Mutual Funds • Estate Conservation Brokerage Services, Inc.
1309 N. Lincoln Avenue • Bay City, MI 48708 Phone: (989) 892-4597 ext. 1209 • Cell (989) 259-4998 • Toll-Free: 1-800-968-7696 ext 1209 [email protected] • www.ubccu.org
Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America. FR-1537904.1-0716-0818
As not-for-profit, member- owned financial cooperatives, Loans for all your needs at a rate that credit unions display The Authentic Difference daily FITS YOUR BUDGET! by putting our members’ needs and best interests Debt Consolidation • Holiday Shopping • Travel first, in all that we do. And with 57,000 credit unions RATES AT LOW AS in 105 countries, we have plenty to celebrate this year for International Credit Union Day! We invite you to join us 4.99% APR* Thursday, October 20 as we celebrate this special day by recognizing the hard work of those in the *APR = Annual Percentage Rate. Experian/Fair Isaac Model Credit Score and loan term will determine which rate you credit union industry and showing members our qualify for. Over 50% of loan amount must be new money. Rates, terms, conditions subject to change without notice. appreciation. We look forward to seeing you! Certain restrictions apply. Offer ends December 29, 2016.
TAKE INTEREST n 10.16 ™ TruStage INSURANCE PRODUCTS
™ TruStage INSURANCE PRODUCTS INSURANCE BUILT FOR CREDIT UNION MEMBERS LIKE YOU INSURANCEExclusively for credit union BUILT members FOR www.ubccu.org . [email protected] Mailing Address CREDIT UNION MEMBERS Call us, we’ll help you understand all of TruStage insurance products are only available P.O. Box 160, Bay City, MI 48707 to credit union members. Your membership means your options so you can choose the one LIKE YOU that is best for you and your family. Exclusivelycompetitive for creditrates, unionhelpful members guidance without sales Lincoln Avenue Office pressure and quality products trusted by your Life and AD&D 1-855-612-7909 1309 N. Lincoln Ave. . Bay City, MI 48708 credit union. Regardless of your budget, we can Call us, we’ll help you understand all of TruStage insurance products are only available Auto & Home 1-888-380-9287 989.892.4597 . fax 989.892.5701 to helpcredit make union sure members. the protection Your membershipyou need makes means your options so you can choose the one Lobby Hours thatVisit is us best at for you and your family. competitivesense. It’s allrates, part helpful of smart guidance planning without and caring sales TruStage.com Monday – Friday: 9:00 am – 5:00 pm* pressureabout the and aspirations quality products and achievements trusted by yourof those Life and AD&D 1-855-612-7909 Drive-Thru Hours creditwho union.matter Regardlessmost. of your budget, we can am pm Auto & Home 1-888-380-9287 Monday – Thursday: 9:00 – 5:00 * help make sure the protection you need makes Friday: 9:00 am – 5:30 pm sense. It’s all part of smart planning and caring Visit us at TruStage.com Saturday: 9:00 am – 12:00 pm about the aspirations and achievements of those who matter most. Euclid Avenue Office 3939 N. Euclid Ave. . Bay City, MI 48706 TruStage products and programs are made available through the companies 989.892.4597 . fax 989.686.2976 of the CUNA Mutual Group. They have been providing insurance and financial services designed for credit unions and their members for more than 75 years, Lobby Hours serving more than 13 million credit union members. Monday – Friday: 9:00 am – 5:00 pm* TruStage™ is the marketing brand for the insurance products. The Auto & Home Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. Life and Drive-Thru Hours accidental death & dismemberment insurance is sold through CMFG Life Insurance Company. TruStage products and programs are made available through the companies Monday – Friday: 9:00 am – 6:00 pm* ofThe the insurance CUNA offered Mutual is not Group. a deposit, Theyand is nothave federally been insured, providing sold or guaranteed insurance by your and credit financial union. MC2645AD-0812 Saturday: 9:00 am – 12:00 pm services designed for credit unions and their members for more than 75 years, serving more than 13 million credit union members. TruStage™ is the marketing brand for the insurance products. The Auto & Home Insurance Program is made Pinconning Office available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. Life and 205 S. Mable St. . Pinconning, MI 48650 accidental death & dismemberment insurance is sold through CMFG Life Insurance Company. . The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. 989.879.1470 fax 989.879.1474 MC2645AD-0812 Lobby Hours Monday – Friday: 9:00 am – 5:00 pm** Drive-Thru Hours Saturday: 9:00 am – 12:00 pm Mattawan Office Happy Holiday Skip-A-Pay 52800 N. Main St. . Mattawan, MI 49071 If you’re having trouble finding the extra money you need for holiday shopping, then our Holiday Skip-A-Pay program may 269.668.6336 . fax 269.668.6446 be just what you need. With Skip-A-Pay, you can choose to skip your UBCCU loan payment(s) for the month of November Lobby & Drive-Thru Hours or December and add a little extra wiggle room to your holiday budget. Monday & Tuesday: 9:00 am – 5:00 pm To take advantage of this special offer, simply complete the form below and return it to the Credit Union at least 10 days Wednesday: 10:00 am – 5:00 pm before your payment to be skipped is due. Some restrictions apply. Please contact the Credit Union for complete details. Thursday & Friday: 9:00 am – 5:30 pm Saturday: 9:00 am – 12:00 pm Portage Office Name Phone Number 233 W. Center Ave. . Portage, MI 49024 269.381.0336 . fax 269.381.1731 Lobby & Drive-Thru Hours Address Monday & Tuesday: 9:00 am – 5:00 pm Wednesday: 10:00 am – 5:00 pm Thursday & Friday: 9:00 am – 5:30 pm Account # Payment $ Loan Description Saturday: 9:00 am – 12:00 pm * All Bay City offices are closed until 10:00 AM on the third Wednesday of each month for staff training. Skip my o November o December payment(s) o Enclosed is a check for $25.00 per loan skipped ** Pinconning office is closed until 10:30 AM on the third o Please transfer $25.00 per loan skipped from my o Checking or o Savings Wednesday of each month for staff training. I understand that skipping my November or December payment will extend my loan(s) past maturity. Doing so will not affect my Nationwide: 1-800-YOUR-OWN payment record since the skipped payment will be added to the end of my loan. Interest will continue to be calculated on the outstanding balance. Payment for the $25.00 skip-fee per loan is indicated above. I understand that if the payment is not available, Phone Access Line (PAL): 866.487.7717 this form is void. Please note: Skipped payments, including approved skipped payments, are NOT covered by GAP. In the event of Lost or Stolen VISA Card: 800.442.4757 a GAP claim, any skipped payments will be deducted from the outstanding balance paid off by GAP. Skip-a-Payment cannot be applied to VISA payments, real estate loans (Mortgage and Home Equity Loans), holiday loans or student loans. Lost or Stolen ATM/Debit Card: 989.528.2273
Borrower’s Signature Date:
Co-Borrower’s Signature Date: Return to: Skip-a-Payment, Attn: Cindy Tacey, UBCCU, P.O. Box 160, Bay City, MI 48708
® CUAdvantage • 877.799.0784 TAKE INTEREST n 10.16