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Janene Naugle Virtual Marketing Specialist

Learn How to Protect Yourself from Consumer Fraud and Identity TheftThere is no sure prevention for fraud and identity theft, but there are steps you can take to minimize your risk. Consider these tips:

Looking for more tips? Check out our CueItUp e-course for Fraud and Identity Theft at uecu.org/cueitup. Click on the Money Basics for Members playlist and select Identity Protection. To listen to a recording of our recent Identity Theft and Credit Protection webinar, visit uecu.org/webinar.

Check your credit report - you are entitled to three free credit reports a year, one from each of the three major consumer reporting companies. To request a copy of your credit report, visit www.annualcreditreport.com or call 877.322.8228.

Review your accounts – review your

for suspicious purchases. To check your UECU accounts, log into Advantages Online™ or use the UECU Mobile Banking App. Monitor your cards and accounts with custom alerts.

Guard your personal information - Never give sensitive information out over the phone, through email, or on the internet, unless you initiated the communication. Also, be sure you know with whom you are dealing with before you hand over your personal information.

Practical Advice, Savings Tips, and Important Announcements for UECU Members

OCTOBER 2019

*Rate based on 90% loan to value (LTV) & 60-month term. Rate shown is our lowest rate which is based on an evaluation of credit, maintaining an active UECU Checking Account (at least one transaction per month) and .25% birthday

Terry Larkin | Vice President – Member Experience

Whether you are gearing up for holiday shopping or need to replace your vehicle before winter weather strikes, you can save by simply using

With a UECU checking account and an Advantages Visa® Debit Card ™, you receive nationwide ATM surcharge rebates. If you need cash for holiday shopping, just use your debit card, and we’ll reimburse the surcharges1. For online and in-store shopping, you can also save more on your purchases at your favorite stores by using the Visa Power Card ™.

you expected. The minimum APR for a store credit card is about 21%, and the average APR for all cards is about 17% to 24%, according to U.S. News research.*

With the Visa Power Card ™, new cardholders receive an introductory rate of only 1.99% APR2

low as 8.99% – 17.99% APR2. Plus, new cardholders earn double VantagePoints™ 3 To apply for a Visa Power Card ™, visit uecu.org/apply.

Existing Visa Power Card ™ holders also save on their seasonal purchases with their low regular rate and are eligible for Holiday Double Points. If you already have a Visa Power Card ™, don’t forget to sign up at uecu.org/doublepoints beginning November 5th so you can earn extra reward points November 28th through December 31st, 2019. For additional details about Holiday Double Points, please see the enclosed ad.

All Visa Power Card ™

advance fee, or balance transfer fee.

Members can now save on their vehicle purchases as well. If you’re ready for a new car, truck or SUV, now is a great time to make a purchase. The .25% TrueCar discount is back, and you can get a rate as low as 2.49% APR4 on the new or used vehicle you love. Our car buying service eliminates the negotiation process, and there is no obligation to buy. You can get upfront pricing information from local

Credit Union Members Save an Average of $3,4025

Low as 2.49% APR.4

To Get Started…

1. Find Your Vehicle – visit uecu.org/autoloan

2. Lock in Savings – New car buyers save an average of $3,402 off MSRP5

3.

4. Get Your Vehicle – Head to the dealer knowing exactly what you’ll pay

*Source: https://creditcards.usnews.com/articles/average-apr

Power Card™ during Power Card™

VantagePoints

-

Simple Ways to Save

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FOR A LIMITED TIMEEach Family Member and Utility Worker You Refer to UECU Equals a $50 Gift Card of Your Choice!

Unlimited Referrals Through December 31, 2019

1 Member = $50

2 Members = $100

3 Members = $150

4 Members = $200VantagePoints™, which can be redeemed for a $50 Gift Card.

Visit uecu.org/refer

Full Gift Card List Available at uecu.org/rewards

Dear John,

com® for original gift cards from hundreds of stores, hotels, airlines, theaters, restaurants and more.

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the account is opened. APY assumes principal and dividends remain on deposit until maturity. A penalty is imposed for partial or full withdrawals prior to

EARN 1 POINTFor Every $1 Spent*

DEBIT CARD PURCHASESCREDIT CARD PURCHASES

For Every $1 Spent*EARN 2 POINTS

“Almost 10 years ago, I left my job at a major bank in the area to work for another local business. Shortly after I suffered through a particularly rude and frustrating experience with said bank, so I decided to switch all of my accounts to UECU. I have to say; I have never been more pleased with my experience with UECU. I have been able to count on you when I have needed loans or just plain help with my accounts. I love, love, LOVE your BillPay and Mobile app services. I cannot recall a single time that my BillPay requests have not arrived on time, although I know of others who have had issues with their

and accommodating. I realize I don’t have a bunch of money now, but one day I may, and even then I will continue to use you…the best credit union EVER! Please keep doing what you are doing, because it really is the best. You always think of

E-Statementcard transactions during the promotional period; those not enrolled in E-Statements

VantagePoints™

Advantages Online™

Sign up† beginning November 5th - Visit uecu.org/doublepoints or call us at 800.288.6423NOVEMBER 28th - DECEMBER 31st, 2019

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Yvonne Paegel Business Development Manager

UECU welcomes our newest partner companies, City of Newberry, SC, Echo Powerline, LLC, and IBEW Local

rates 22 times the National average*, were awarded nearly $800,000 in VantagePoints™ rewards, and received $163,000 in ATM surcharge rebates.

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Savings Tip – Set a Savings Goal for 2020 Before the end of the year, decide what you want to save for and set your goal for 2020. Whether you want to build an emergency fund, save for your dream vacation, invest more for retirement, or put money aside for your child’s college fund, setting a goal can help you get started. After you decide what you want to save for, choose the savings vehicle that will work best for you. Our CueItUp savings e-courses provide great tips for goal-setting and selecting the right savings account. To check out our complimentary playlist, visit uecu.org/cueitup.

Congrats UECU Staff!UECU has been awarded a Dora Maxwell Social Responsibility Community Service Award from the Pennsylvania Credit Union Foundation, for advancing

Greater Reading Area. The fairs provide an opportunity for

scenarios. Credit union staff help walk students through life-like activities in which they choose a career and salary,

for food and other essential needs. At the end of the fair, students have a better understanding of budgeting,

%APR

Exclusive Balance Transfer Offer

New Cardholders Existing CardholdersRegular Rates 8.99% - 17.99%No Balance Transfer Fee

Power CardPower Card

credit card agreement and disclosure. Limited time offer.

%APR

Contact UECU:Toll-Free: 800.288.6423

Email: Advantages@uecu.org

Website: uecu.org (Live Chat available)

24/7 Account Access: Advantages Online ™ & UECU Mobile Banking App

Weekdays 8 A.M. – 5 P.M. ET, Wednesdays until 3:30 P.M. ET

Street Address: 11 Meridian Blvd, Wyomissing, PA 19610

Mailing Address: P.O. Box 14864, Reading, PA 19612-4864

Contact UECU: Featured Rate Review(For full listing of rates visit UECU.org)

Share and Special Savings Accounts 0.80% APYNo minimum balance, no monthly fees. $5 min to obtain APY in the primary share account.

Advantages Money Market Savings ™ Accounts$0.01 - $9,999.99 1.15% APY$10,000 - $49,999.99 1.45% APY$50,000.00 and over 1.75% APYNo minimum balance required to earn APY. Minimum daily balance of $2,500 required to avoid $10 monthly fee.

Rewards Checking PLUS Accounts$0.01 - $9,999.99 0.75% APY$10,000 - $49,999.99 1.00% APY$50,000.00 and over 1.50% APYA $500 minimum deposit required to avoid a monthly fee of $10. Minimum balance fee will be waived if total of $500 in electronic deposits is made to your Rewards Checking PLUS during the month.

Advantages ™

Rates up to 2.65% APYwith terms from 6mo. to 5yrs.$500 Minimum deposit required to open account. Minimum deposit of $75,000 and term of 5 years is required to earn stated APY. APY assumes principal and divi-dends remain on deposit until maturity. A penalty is imposed for early withdrawal.Annual Percentage Yield (APY) is quoted as of September 16, 2019. APY is subject to change and may be withdrawn without notice. Savings and checking rates may vary after account is opened.

New / Used Auto Loans2017 and Newer Models (New/Used)Lowest Rate with .25% TrueCar DiscountUp to 36 Mo. 2.49% APR37 to 60 Mo. 2.99% APR61 to 72 Mo. 3.49% APR2019 and Newer Models (New/Used)Lowest Rate with .25% TrueCar Discount73 to 84 Mo. 4.49% APR2013 - 2016 Models (New/Used)Up to 36 Mo. 3.49% APR37 to 60 Mo. 3.99% APRPersonal LoansUp to 36 Mo. 6.99% APR37 to 60 Mo. 7.99% APRHome Equity LoansLowest Rate with .25% Birthday Sale Rate Reduction(1st or 2nd Lien up to 90% LTV offered)

Up to 60 Mo. 3.49% APR61 to 120 Mo. 3.99% APR121 to 180 Mo. 4.49% APR181 to 240 Mo. 4.99% APRStudent Loans For current rates, please visit uecu.studentchoice.orgRates shown here are our lowest rates which are based on an eval-uation of credit and maintaining an active UECU checking account with at least one transaction per month. Your actual rate may differ for these featured rates. Rates are quoted as of September 16, 2019, and all rates are subject to change without notice. For more rate and qualifying information visit uecu.org or contact us by phone.

This credit union is federally insured by the National Credit Union Administration. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Holiday RemindersOctober 14 Columbus Day

November 11 Veterans Day

November 28 Thanksgiving

December 25 Christmas

Holiday Reminders

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Visa Checkout transitioned to Visa Click to Pay in September 2019. Now, you can Click to Pay with your UECU Visa Power Card™ and Advantages Visa Debit Card ™ when you see this icon where Visa is accepted. You no longer have

forms to make a purchase at participating online merchant sites where you see the icon. You can enjoy the same time-saving digital checkout everywhere you see the icon and Visa is accepted. For more information about Visa Click to Pay, visit uecu.org/cardinfo.

TOTAL$5.49

Visa Checkout Update

Privacy NoticeFederal law requires us to tell you how we collect, share, and protect your personal information. Our privacy policy has not changed and you may review our policy and practices with respect to your personal information at uecu.org or we will mail you a free copy upon request if you call us at 800.288.6423.