Now Presenting: Summer Loans of 2010!
Borrow $5,000 or more and you can pack in all the summer fun you want! Then relax and watch a movie with free passes on us!Prefer to watch at home? Every new loan of any amount gets an entry into our drawing for a complimentary 6 month Netflix membership!
Rates as low as 7.69% APR*
Summer’s just the right to time to get some extra funds for an action packed summer. We’ve got great personal loan rates, so you can borrow up to $ 15,000 at a rate that deserves an Academy Award.
We’ll get you the funds you need quickly and courteously.
Call today to apply for your UHCU loan! (650) 231-1300
RATES *APR = Annual Percentage Rate. Minimum personal loan rate is 7.69% APR. Minimum auto loan rate is 4.69% APR. These minimum rates reflect discounts including a .25% discount for applying online and .25% for direct deposit to a UHCU checking account. Refinances of existing UHCU loans are not eligible for this promotion. A personal loan of 5,000 at an APR of 7.69% APR for 36 months would have a monthly payment of $155.97. An auto loan of $10,000 at an APR 4.69% would have a payment of $187.30. Rates and offer subject to change without notice. All loans are subject to credit approval. Additional restrictions apply.
So You've Won the Lottery! But you have never bought a ticket?
Communication via email has become a staple in today’s fast paced world. This tool is an effective and convenient way of communicating, but it has brought with it a whole new way for opportunists to perpetrate scams!Typical lottery scams are emails which say that you have won a great prize in a lottery, and then provide some instructions as to how to claim the prize. Claiming the prize usually involves your providing confidential information and/or instructions to contact a lottery agent to secure your prize.
After contacting the agent, the target of the scam will be asked to pay “processing fees” or “transfer charges” so that the winnings can be distributed, but will never receive any lottery payment. Many email lottery scams use the names of legitimate lottery organizations, but this does not mean the actual organizations are in any way involved with the scams.
There are several ways to recognize a fake lottery email:
- Unless someone has bought a ticket, they cannot have won a prize. There are no such things as “email” draws or any other lottery where “no tickets were sold”. This is simply another invention by the scammer to make the victim believe that they have won.
- The scammer will ask the victim to pay a fee before they can receive their prize. It is illegal for a real lottery to charge any sort of fee. It does not matter what they say this fee is for (courier charges, bank charges, various imaginary certificates — these are all made up by the scammer to get money out of their victim). All real lotteries subtract any fee and tax from the prize.
- Scam lottery emails will nearly always come from free email accounts such as Yahoo!, Hotmail, Live, MSN, Gmail etc.
Try Googling the number to see what comes up. Chances are, it’s a scam and others may have posted information that will list the many ways it’s been used. Even if you can’t come up with anything when you check, you should never give out personal information over the phone or internet unless you have initiated the contact with a known person or company.
Ten tips to help strech your budget
- Try bringing your lunch to work every day instead of purchasing it.
- Separate wants from needs. When money is tight it should not be spent unless absolutely necessary.
- If you need to buy a car, buy one with a higher MPG (miles per gallon). And save on gas each month!
- Keep track of your spending. If you know where you money is going it will be easier to make changes if you need to.
- Avoid using credit to pay your bills.
- Have some of your paycheck directly deposited into your savings account.
- Avoid spending a significant amount of money on periodic purchases, like gifts and vacation.
- Cut or downgrade your services - like cable or cell phone.
- Instead of purchasing a book or magazine or renting a video, go the library. It’s free!
- Try lowering your energy bill. Turn off appliances and lights when they are not needed. Use a fan instead of air-conditioning and a sweater instead of turning on the heat.
Summer Vacation Plans?
If you’re traveling this summer, be sure to let us know where you’re headed. For your protection against unauthorized use, we monitor your credit and debit cards.Need assistance with your travel plans?
Go to our web site and click on Vacations & Fun under Member Resources. You’ll find links to travel agencies as well as offers on packages to Disneyland and other California attractions.
Enjoying local attractions?
We’ve got tons of excitement available right here in town. Save on both Great America and Gilroy Gardens admission. Simply download and print the coupon by clicking here.
| These members will be traveling ON US!
They are winners of a 5-day, 4-night Cruise for Two* |
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| January Benjamin Rosario Destination Chosen: Bahamas |
March Linda Mogel Destination Chosen: Mexico |
May Jessica Castro Destination Chosen: Bahamas |
| Febuary Maria Bautista Destination Chosen: Bahamas |
April Kitsen Cooksey Destination Chosen: Bahamas |
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If you’d like to travel “On Us” for your next vacation, it’s easy to do.
Just tell your loved ones about the benefits of credit union membership at UHCU. We know they’ll love our rates and our service and chances are, we can help them save money on their car loans, credit cards, and more. When 2 of them join, you’ll be entered into our drawing for a Cruise.
Refer two new members to UHCU for your chance to win a 5-day, 4 night cruise for two to your choice of Mexico or the Bahamas.
Ask a Member Service Representative for details!
One entry for every two referrals. Referral must be at least 18 years old and qualify for membership. Random drawings to be held by the fifth business day of each month. Winners need not be present. Members responsible for any taxes associated with prize. Limit one cruise per household.*Accommodations subject to availability. Transportation to departure site and port fees of $197 per person not included.
Farewell to our Peninsula Branch!
The Peninsula Branch will be closing in September of this year. The last day the branch will be open is Tuesday, September 14th. However, the last hospital payday the branch will be open is Friday, September 10th. Please contact us with any questions or concerns you may have. You can also check our website or the hospital newsletter for a list of Frequently Asked Questions.CEO’s corner
It’s hard to believe that in June of this year, I celebrated 25 years with United Health Credit Union. The credit union has come a long way since I first started back in June 1985. It was just after the merge of Mills and Peninsula Credit Unions and we had assets of $3.3M.
- In 1989 - we added Checking Accounts
- In 1991- we added Visa credit cards
- In the 1990’s - we first added ATM cards then the Debit Card feature was added
- In 1998 - I became CEO and our assets were $18m
- In 2002 - we opened our new office at 1860 El Camino Real
- In 2006 - UHCU celebrated its 50th anniversary
Linda White
President/CEO
National Credit Union Youth Week was April 18-24
The theme for 2010 was “Get in the Savings Game” and UHCU had our younger members doing just that.Accounts opened during Youth Week received:
- $10.00 Disney Gift Card for members 12 years old or less.
- $10.00 gift card for iTunes for new Teen-U members
On Friday, April 23, all who visited our main office enjoyed the yummy tasting and even better smelling fresh popcorn. As an added bonus, for every $100 deposited that week, youth members were entered into the National Drawing to win $100!
Get started right financially and see how you can get in the savings game at United Health Credit Union.
How To Save For Something BIG!
- Decide on what you want to get. Find out the pricing. The best idea is to do a little research and compare prices online so that you get the best deal possible.
- Set aside half of all funds received. Deposit the money to your UHCU savings account.
- Get a job if you’re old enough. Depending on location, most teens can start working If they are 14 (16 in some places) or older. Not only will this help you save up for the big purchase but the job will help you gain references for your resume.
- Budget wisely. Don’t make a purchase because it was on sale. Stay true to the dream of buying what you said you really wanted. Envision the desired object, and don’t spend any of your savings on some other purchase. Keep the dream.
- Sell handmade or craft items at school, if this is allowed. Check with the school’s administrators to see if selling at school is allowed. Research prices and shop around. Once 95 percent of the money is tucked away, try to purchase the item on sale.
- Get a big jar or tin can and put every coin and whatever cash you find laying in your wallet, your table, etc. into the container. Don’t open it for 30 days or until it’s full. Then deposit the contents to your UHCU Account.
- Do some extra chores for your parents (house sit, baby sit, etc.)
- Don’t pressure yourself. Things like these don’t usually come easily. Who cares if it takes a couple of months to save up? In the end, it’ll be worth it.
- Be patient. Don’t worry, it may seem to take forever, but if you try hard, you will get what you’re saving for!
