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The Sentence Center & United Health Credit Union Essay Contest

Choose one of the three supplied topics and write a 300-500 word essay for your chance to win $50 or $75.

Word Count:
300 to 500 words, multi-paragraph essay

Topic Choices:
1. Describe your most awesome experience involving nature.
2. What would you create if you had unlimited funding?
3. Do mobile apps help you or simply waste your time?

Prizes:
Elementary Level (grades 3 to 5) - 1 $50 prize
Middle School Level (grades 6 to 9) - 1 $75 prize

Entry Deadline:
August 29, 2016

Entries will be judged based on organization, voice, and correctness by two impartial teacher volunteers.

Winners will be announced September 2.

Essays must be submitted in PDF form via email to: This email address is being protected from spambots. You need JavaScript enabled to view it.

 

 Congratulations to Our Celebration Winners!

We celebrated 60 years of being Your Financial Health Provider by giving away some awesome prizes!

GRAND PRIZE- Trip to Disneyland
Nemesio Aranzaso

2ND PRIZE- 4 Tickets to Giants vs. Diamondbacks on July 10th
Felicia Forcey

3RD PRIZE- 2 Tickets to Giants vs. Diamondbacks on July 10th
Michelle Taylor
Mary J. Niess
Steven Eichman

Disneyland Prize Winner

Nemesio Aranzaso

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Steven Eichman

 

 Pack Your Bags, it's time for a getaway! 

Whether it’s a vacation or staycation, room makeover, new appliances or furniture, finance your summer plans with a United Health CU personal loan.

Get rates as low as 6.50% APR*! You’ll be on your way to summer fun in no time! 

AND A FREE HOTEL VOUCHER with loans of $2,500 or more!

Apply today!

*APR = Annual Percentage Rate. Offer and rate may vary depending on individual credit history.Offer valid through 9/30/16 or while supplies last. All UHCU programs, rates, terms and conditions are subject to change at any time without notice. See credit union for details.

Earn Rewards at Your Favorite Restaurants

Do you love to eat out? What about earning rewards without the hassle of coupons and loyalty cards? If you answered yes, then check out Mogl! Get paid to eat at your favorite restaurants!

Learn More

Need Help With Financial Decisions?

We're dedicated to your financial wellness at United Health Credit Union. We understand you need advice from time to time! That's why we've teamed up with NerdWallet to help you make better financial decisions.

Why a Personal Loan Might Be Better For You Than a Credit Card

Tips from the Team

At United Health Credit Union, we're committed to making sure you have the tools to succeed financially. That's why we're introducing Tips from the Team.

Keep up with the latest tips on our YouTube channel!

You're Not Just a Number. You Have a Name...

You're very important to us! We show that by using your name when you come into the branch.

If we forget, we have a sweet surprise for you! We want to know our members, so if we don’t use your name during our conversation today, your UHCU representative will give you one of their OhHenry! candy bars!

It's just our way of showing our commitment to knowing you!

Congratulations to Steven Bryan, our International Credit Union Day winner of Golden State Warrior Tickets!

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Time to Change Your Existing Credit Card!

Are you stuck paying high interest? Get an UHCU credit card you don’t have to babysit for a manageable limit!

  • Our rates are as low as 9.99%APR*
  • NO annual fee
  • NO balance transfer fee

Free up some cash for any reason! Get a fixed rate personal loan to pay off your existing credit card.

  • No collateral required
  • Rates as low as 6.5%APR*
  • Term varies with loan amount

*APR=Annual Percentage Rate. Subject to credit approval. Not all members will qualify, and rate will vary based on credit worthiness. See credit union for details. Federally insured by NCUA.

Popmoney® Is Now Available

Popmoney® has arrived! Now you don’t need to write a check or carry cash to pay people. Just use the Popmoney® personal payment service — available now inside Online Banking.

Simply log in to Online Banking and go to: Move Money > PopMoney/External Transfers > Pay Other People

All you need is their email address and/or cellphone number to:

  • Pay rent or roommates.
  • Cover shared expenses, like family-plan phone bills.
  • Reimburse friends.  
  • Send the gift that always fits: money.
  • Give an allowance.
  • Pay for babysitting or lawn care.

It’s the quick, simple and secure way to move money from your account to theirs — with no need to exchange account numbers.

Learn more.

TruStage Auto Insurance

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Despite all the advertising out there, here are three things you probably didn’t know about car insurance:

  1. It’s available at your credit union through the TruStage Auto & Home Insurance Program, complete with discounts for members.
  2. It’s built on the same values we are—good rates, excellent service and solid value.Switching from an existing policy is easy.
  3. Even if you just paid your premium to another company, you won’t lose a penny.

For a quick quote, you’ll need three things: Your driver’s license number, your vehicle identification number (VIN) and a bit of personal information. Isn’t it time for car insurance the credit union way? To get started, just call 1-888-380-9287 or or visit TruStageAutoHome.com

 

New United Health Credit Union Mobile App!

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The new United Health Mobile App for iPad, iPhone, Android, and Kindle Fire is now available!

Download this new FREE application to manage your accounts, pay bills, find ATMs, and more! It's fast, secure, and free. Visit the Apple App Store, Google Play, or Amazon to download your new mobile app today!

FREE Financial Health Clinic

We want to help you save money in as many ways possible. We realize that you have a lot of "banking" choices, and we want to thank you for trusting us to continue to serve your financial needs.

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As a thank you, we would like to offer you a FREE Financial Checkup. Our goal is to help you save as much money as possible by lowering your monthly payments and/or interest rates on loan and credit card balances that you have at other financial institutions. We will evaluate your current loans, interest rates, and monthly payments and give you an "apples to apples" comparison to show you just how much you could be saving by using more of the products and services at United Health Credit Union!

Click here to download your patient chart to get a head start, and call 650-231-1300 to schedule your free appointment today!

Don't Tax My Credit Union

Credit Unions are a big topic among politicians lately regarding tax status. Banks are pushing for Congress to impose a tax on credit unions and because credit unions are member owned, that is essentially a tax on all credit union members.

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As You Know: Credit Unions are a not-for-profit member owned cooperative. While credit unions are regulated by the federal and state governments, they are also governed by volunteer boards elected by their membership. Credit unions don't answer to stockholders, but to each of their 96 million members.

The credit union mission has always been to ensure secure financial choices at lower costs for their members. That's why credit unions offer financial products that provide better returns on savings, reduced rates on loans and lower or no fees on services.

What they are Saying: Banks and some in Congress want to raise taxes and impose new fees on 96 million credit union members who represent 40% of all Americans, yet represent only 6% of the assets in financial institutions. And, they want to do this despite the fact that credit unions are not-for-profit and meeting their core mission every day.

How You Can Help: You can take action today by letting your Congressmen know that you do not support the taxation of Credit Unions. Visit http://www.donttaxmycreditunion.org/ today to send your Congressmen an email saying "Don't Tax My Credit Union."

Don't let Congress raise taxes on 96 million credit union members. Don't let Congress eliminate real financial choice. Don't let Congress destroy our credit unions.

Credit Score Scares

Credit scores can be a scary thing when you're getting set to apply for a loan. It's almost as if these very secret computers check off everything you're doing with your credit, ready to put a big "denied" stamp on any application you'll fill out. Despite what you may have heard there are some things which don't directly affect that number.

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According to CreditScoreQuiz.org developed by the Consumer Federation of America (CFA) the age...of the person applying...doesn't have a bearing on your score. But it may if the age of your credit history is young. In other words, if you've not applied for a loan before and don't have an established credit history, it will be hard to get good rates. You need to have borrowed money to borrow money.

This next one may seem a bit unusual...but you don't have to be educated in finances to have a good credit score. The rating agencies don't care if you know about consumer debt, how you feel about debt or even if you don't have the resources to pay it back. But if you miss payments, your score will go lower. The number of missed payments and amount owed does impact your score.

Carrying a balance doesn't always mean a lower score. However, if you carry a high balance, in relation to your credit limit, your score will go down.

Relationships such marital or family status aren't included in your credit score. But if you have joint accounts, if you're a co-signer on student loans, or car loans, watch out---all can lower your score. And beware that if you have authorized users on your accounts, it can also negatively affect your credit score.

Buying a car...checking for several different types of financing in a short period of time...won't lower your score. Multiple credit inquiries during that time don't affect the credit score. But don't forget to make payments on time once you've made that purchase.

Your credit score will take a hit if you have a personal bankruptcy. There's no way around that. But don't go to a "credit repair" company. They're unlikely to do much more than take money that would be better used to pay debts. Keep the middle man out of the process. Contact your lenders yourself, and work out some payments. Call your credit union for advice too.

Here's some advice in dealing with your credit score. Check it out several times a year for inaccuracies. You can do that through your loan officer at the credit union. Or you can obtain free credit reports from the three reporting agencies: Experian, Equifax, and Trans-union.

And keep your credit score steady with these tips. Make sure your payments for all your loans are on time. Keep those balances under control. And finally, as easy as it may seem to open accounts---avoid the urge. You'll benefit from the longer you have credit, not from opening several accounts at the same time.

If you want to learn more about your credit score take the CreditScoreQuiz.org which was put together by the Consumer Federation of America (CFA) and VantageScore Solutions.

Now Offering AFFORDABLE Car Title Loans and Payday Alternative Loans

With many predatory lenders charging interest rates in the hundreds, United Health Credit Union is now offering title loans at an extremely low rate of only 23% APR*.

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We believe in providing socially responsible products and services for our members, and the new title loan product is an opportunity for you to get the quick cash that you need for a lot less money than you would pay in interest at a traditional title loan storefront in Burlingame. If you currently have a title loan somewhere else, please contact us to see if we can help you refinance the title loan over to United Health Credit Union.

Local Title Loan Provider:

Amount Financed Finance Charge Monthly Payment
$3,000 $5,000.76 $280.26
$5,000 $8,345.86 $556.08
$7,500 $12,518.87 $834.12
$10,000 $16,691.79 $1,112.16
APR: 119.88% / Number of Payments: 24


United Health Credit Union:

Amount Financed Finance Charge Monthly Payment
$3,000 $770.88 $157.12
$5,000 $1,284.88 $261.87
$7,500 $1,927.20 $392.80
$10,000 $2,569.76 $523.74
APR: 23% / Number of Payments: 24

*APR=Annual Percentage Rate.

Tips on Buying Your Next Vehicle

Beware zero percent financing!

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Zero percent financing sounds like an amazing bargain--after all, how can you beat a no interest loan? Often, you can. Such "deals" frequently come with inflated prices for extended warranties and loan insurance, high application fees, and pre-payment penalties. And because you forfeit the rebate option, you end up paying a higher price for the car. You may also be required to repay the car in three years or fewer--resulting in a very high monthly payment.

Zero percent financing can be elusive. It is only offered to those with very good credit, as determined by the lender. And it is often not available for the most popular cars and trucks. When you're in the market for your next vehicle, let us help. Though we cannot offer 0% interest loans, taking advantage of a loan from United Health Credit Union with a competitive interest rate will most likely result in a better deal!

Dealer and Finance Company Loans
At an auto dealership, you will most likely be encouraged to use the dealers financing. While not all dealer loans are bad, in most cases a loan from United Health Credit Union will be a better deal.

Be prepared!
Here are some tips to help you get the BEST deal on your next vehicle:

  • STOP BY CAR LOTS WHEN THEY ARE CLOSED AND LOOK AT THE VEHICLES.
    This gives you the opportunity to kick some tires when there's no high pressure sales person to hassle you while you look.
  • DRIVE THE CAR IN THE DAYLIGHT.
    If it is the one you are buying, you will want to make sure there are no dings or marks to be discovered later.
  • GO LATER IN THE DAY.
    The sales people will often be less likely to try and spend an excessive amount of time with one customer.
  • ALWAYS PUT LIMITS ON YOUR BUDGET BEFORE GOING TO THE DEALERSHIP.
    Never walk into the dealership unprepared. Know what model you're looking for, the options you want, and how much you can spend. Do not get "talked into" going past your pre-set limits. You set that limit for a reason. Think about it away from the dealership. If the dealership is afraid to let you go, or makes it uncomfortable for you to do so, this is more of a reason to get away and think.
  • MOST IMPORTANTLY!
    Get pre-approved for your auto loan before you go to the dealership. Apply online 24/7 at www.unitedhealthcu.org. Walking into the dealership with a pre-approval shows that you're serious about making a purchase and gives you the upper-hand in negotiating the best price for your next vehicle.

Car buying tips courtesy of IFMAAutonetwork.com.

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