managing your finances with unfcu · 2020. 10. 22. · unfcu | serving the people who serve the...

Managing your finances with UNFCU

UNFCU Geneva 2020 | www.unfcu.org

Introducing UNFCU

3UNFCU | serving the people who serve the world ®

Started by UN staff in 1947

We are a credit union

• Not-for-profit

• Cooperative independent of stockholders

• Committed to serving the UN community

Full range of banking products and services

• Solutions are in US dollars

• 155,000+ members around the world

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Membership open to UN community

UN staff

UN retirees

UN consultants

UN volunteers

Family members of UNFCU members

www.unfcu.org/eligibility

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Lifetime membership

Keep your membership and accounts if you:

Relocate

Separate from the UN

Retire

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Supporting our community

Climate neutral since 2016

Active member of UN Global Compact

Aligned with UN Sustainable Development Goals

Launched UNFCU Foundation in 2015

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Make your money

work for you

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Organize your money by use

Monthly &

daily expensesSavings

Checking accounts High-Yield Savings

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Checking High-Yield Savings

Unlimited free monthly

transfers

Up to six free transfers

per month

Premium rate on up to

$15,000 (qualifications apply)

Higher rates with higher

balances

Overdraft options No overdraft options

Both are federally insured to at least $250,000.

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Modify your daily ATM withdrawal limit

For your security, there is a daily ATM withdrawal

limit on your UNFCU debit card

Modify the limit using Digital Banking

Save on ATM fees with fewer ATM withdrawals

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Share certificates

Fixed term savings accounts with different time

periods

Higher rates with longer terms

Federally insured to at least $250,000

Most need $500 minimum balance and do not

allow additional deposits throughout the term

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Simple Saver Share Certificate

START SMALL, GROW BIG.

24-month term

Open with $250

Add more money anytime

$25 bonus available

Digital Banking enrollment required

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Open and manage accounts from home

Use Digital Banking to:

Open savings and checking accounts

Deposit checks in US dollars

View your statements

Transfer money

Apply for loans or credit cards

Make loan payments

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Member Loyalty Rewards

Member Loyalty Rebates

Save up to $50/month on fees for:

• ATM withdrawals

• Wire transfers

• Savings overdraft

Member Loyalty Dividends

Earn more on your share certificate dividends.

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Accounts for children under 18

Teach your children and grandchildren about

money management

Control their access to the money

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Investment & insurance services

UNFCU members have access to investment and

insurance services from our partners.

Visit www.unfcu.org for more information.

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Everyday purchases

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Debit Card Credit Card

Spend only the

cash you have.

Spend up to your

credit limit.

No reward points

Earn reward points for

every dollar spent.

Redeem points for cash,

travel, and more.

Limited liability, if stolen and

not reported immediately

Zero liability, if stolen and

reported within 60 days

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Limit your contact with cards and machines

All UNFCU cards have the contactless feature

Upload your cards to the digital wallet of your

phone

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Manage your UNFCU cards on Digital Banking

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Borrowing money

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Loans to finance common needs

Unsecured and secured loans

Finance a big purchase or life event

Build or buy a home

Consolidate debt

Purchase an automobile

Pay for tuition and education expenses

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Fixed Rates Variable Rates

Rate does not changeAfter introductory period,

rate changes each month

Number of payments and

amount do not change

Payment amount

will not change.

Number of payments

may change.

No pre-payment penalty

Choosing the type of rate for your loan

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Payment relief options for existing loans

If you have lost income due to COVID-19 and

cannot pay your UNFCU loans, contact us.

We can discuss payment relief options.

If you are able to pay your loans on time, you

should do so. Timely payments can save you

money in the long-term.

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Planning ahead

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Security tips

Use extreme caution before sending money to

someone you have not met.

Do not open files or links you were not expecting.

Install anti-virus software.

Choose strong passwords.

Change passwords often.

Cover keypad when entering personal information.

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A legacy for your loved ones

Appoint beneficiaries on your UNFCU accounts.

Assign a durable power of attorney.

Open UNFCU accounts for your children.

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Resources

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UNFCU website: www.unfcu.org

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COVID-19 updates and information

www.unfcu.org/COVID-19/

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unfcu.org/learn

Retirement

Resources

Webinars Guides Videos

FAQs

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Contact us

Email: genevaoffice@unfcu.com

Call toll-free from Switzerland: 0800 897 860

Call toll-free from France: 0800 90 2637

Audio Skype: unfcu.skype

WebChat

Visit us in person

Palais des Nations

Building E, Door 41

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Thank you!

Questions?