Archive for category Personal Finance Tips
Are You Doing All You Can For Your Piggy Bank? Your Future?
Posted by UECU in Family Finance, Personal Finance Tips, Savings on February 23, 2012
Did you happen to celebrate America Saves Week? That’s right, the 6th Annual America Saves Week has been going on this week from February 19th through 26th. Community and financial outreach organizations across the nation are spreading this year’s message, Set Goals, Make a Plan, Save Automatically.
That’s a message I can get behind, and so can our credit union. Utilities Employees Credit Union is all about making it easier for our members to save. That’s why UECU maintains savings rates significantly higher than the average of other bank and credit union rates – and why we offer savings tools that fit your lifestyle. I think many of us can agree that when we make saving easy and automatic, we follow through – we all enjoy convenient solutions, especially when it comes to our finances!
Here are three online resources to help you develop your savings plan:
1. America Saves Week. org: Get inspired by fellow American savers – read success stories, take fun quizzes to test your savings knowledge, and assess your savings progress and future wealth. You can even use some handy calculators to determine what you could save in your budget by cutting out splurges like your daily coffee – you can also calculate how much you should be putting away for an emergency savings stash or for future needs like a retirement fund.
2. Home & Family Finance Online Resource Center: For your home and family financial planning, check out the online resource center for financial tips to make your life easier and more profitable. Listen to Home & Family Finance® Radio segments and watch short videos on everything from balancing your check book, to financially preparing for marriage or children, to motivating your kids to become good savers.
3. UECU Online: UECU knows everyone has their own personal savings goals – keep up to the minute with your progress on uecu.org. UECU members can log into Advantages Online™ home banking to view your savings and checking balances, transfer funds and name your own special savings accounts … Car Savings, House Fund, Kids’ College Account, Italy Vacation, Rainy Day Savings, Mad Money … anything you choose. View your recent activities including your deposits, ACH transactions, and ATM withdrawals – and see the year-to-date dividends on your savings and the status of your yearly IRA contributions. Even put an ongoing savings plan on Auto Pilot – arrange for a regular amount to be moved from your checking to your savings account each month using an eVantages™ by Web funds transfer. Your savings tools are at your fingertips!
And don’t forget to sign up to receive the ongoing personal finance tips and great promotions we share on the UECU Blog! Enter your email on our blog.uecu.org page to get email notifications the moment we share a new post – you can even follow us on Google Reader or by RSS feed by clicking the blog feed link on the UECU Blog homepage!
Written by Amanda Y.
Ready or not, Valentine’s Day Is Coming! 4 Ways to do Heart Day on a Budget
Posted by UECU in Financial Rewards, Personal Finance Tips, Savings on February 9, 2012
If you’re single or part of the anti-Valentine’s camp this February, you may be off the hook for February 14th expenses. However, if you are part of a couple, Valentine’s Day can be stressful for your relationship and your wallet. While we at UECU can’t offer you any relationship advice, we can share some ideas to take the burden off your budget…
1. Plan ahead for dinner: If dinner at a nice restaurant is part of your celebration, find out if they are offering a special menu or package. Many include flowers so you won’t end up paying for them twice. Also, consider an earlier meal that may allow you to order from the lunch or early bird menu, which could provide big savings without forfeiting the ambiance.
2. Don’t buy roses: If there’s one day a year you shouldn’t buy roses, it’s Valentine’s Day. Because roses require a lot of manual labor to grow, ship, and store, the volume of demand for one day increases the price. Buy them for your loved one’s birthday or anniversary but stick to a more common botanical variety, or even paper flowers, on Valentine’s Day. If you’re going for a natural bouquet, why not save even more by taking advantage of your credit union discount to FTD? UECU participates in the Invest In America program, which offers “Love My Credit Union” promotions like a $15 discount on many of the flowers and gift choices available through FTD.
3. Give from the heart: Why not give a handwritten letter, a personal poem, a meaningful book, or CD? These gifts are more personal and will usually mean more to the recipient than the generic candy and flowers. Recount the year on a blank calendar or download songs that commemorate your firsts (date, kiss, trip, and so on). These ideas are far less costly than others that are packaged for the masses. Also, don’t think it’s taboo to talk about Valentine’s Day beforehand, so you understand each other’s expectations. This is the best way to avoid spending more money than you need to when your partner is simply happy being with you.
4. Do your own thing. Whether you’re part of a couple, or just hanging out with your single pals this Valentine’s Day, do what makes you happy. Singles, why not take that fun day trip you’ve been planning or have your own Valentine’s Alternative party or film fest at your place? Couples, if you’d rather skip the crowds, why not meet up for lunch and a wintertime walk, or order-in for some relaxing quiet time? You could also check out the seasonal online promotions from sites like Groupon, LivingSocial or Google Offers to find a fun and affordable activity in your neighborhood!
What are your plans to save money on Heart Day? Share your frugal Valentine’s tips by leaving a comment!
Article modified from PSB
Mobile Apps That Can Save You Money
Posted by UECU in Financial Services, Personal Finance Tips, Savings on January 13, 2012
Did you receive a new phone during the holidays or upgrade yours for the New Year? If you find yourself surfing the web for phone apps to add in 2012, UECU would like to offer some ideas.
Tetris and Angry Birds are fun but wouldn’t it be great to have some portable financial help in your phone, too? Check out the mobile apps that can put some extra cha-ching in your pocket. Break out your iPhone, iPad, Android or BlackBerry to start saving with these 7 applications …
1. Mint: (iPhone, iPad, Android) When you use Mint, you can manage all your financial accounts in one easy spot so you can always keep track of exactly what your budget looks like.
2. Skype: (iPhone, iPad, Android) An app everyone should have that allows phone calls, video calls, and instant messaging for FREE.
3. Redlaser: (iPhone, iPad, Android) Scan any barcode and find out where to go buy it and how much everyone is charging for it. Never overpay again.
4. Gasbuddy: (Phone, iPad, Android, BlackBerry) A free app that lets find the cheapest gas while you’re on the go. Locate gas stations near you and see their current prices.
5. MyCoupons: (available for iPhone, Android, BlackBerry) This handy app is perfect for everyone out there who clips coupons each week but then forgets to take them to the store. It allows you to scan the coupon right into your phone and redeem at the store. Unless, of course, you forget your phone too.
6. Coupon Sherpa: (available for iPhone, coming soon for Android and BlackBerry) Delivers hundreds of department store coupons and discounts directly to your phone. The inventory is updated daily so you always have the latest savings.
7. Key Ring: (available for iPhone, Android, BlackBerry) Stop carrying around (or forgetting) those loyalty cards that get you extra discounts and perks. This app stores all the information in your phone so you can always access it without the bulky keychain.
Article provided by PSB and featured in UECU’s Fall/Winter 2011 Connections™ Newsletter
Energy & Utility Workers: 5 Year-End Tactics to Prepare for Tax Season
Posted by UECU in Financial Rewards, Financial Services, Personal Finance Tips on December 16, 2011
The economy has changed. Tax laws have changed. Your personal financial situation may have changed. What has not changed are these basic tips to consider at the end of the year that may help you save on taxes.
Charitable donations and monetary contributions. If you’ve been collecting your clothing and books or saving coins in a jar, don’t wait any longer. Donate to your charity of choice and get a receipt.
Speaking of receipts…begin collecting them for tax filing. Think about whether you have any deductible expenses, from non-reimbursed business expenses like uniforms and cell phone bills, to postage and paper costs for job hunting. Your tax advisor will direct you on what can be used, but now is the time to put together your paperwork to back up your plan of action.
Mileage expenses. Did you drive your car … to medical appointments? …to or from volunteer work? … to job interviews? Use an online mapping application and categorize how you used your car in 2011. Again, depending on your personal tax strategy, the expense of many miles of travel can be deducted.
Have your UECU tax forms delivered electronically. Reduce your paperwork and get email notification the instant your Tax E-Forms are available in your Advantages Online™ home banking profile. Log in to Advantages Online™ and sign up today to go paperless for 1098, 1099-INT, 1099-Q, 1099-R, 1099-SA, 5498, 5498-ESA, and 5498-SA forms related to your UECU accounts.
Let UECU help you make tax season more convenient & rewarding. For instance, to get your refund faster, be sure to request it be automatically deposited in your UECU account. To easily file your taxes and access tax advice online, try Turbo Tax® – and visit uecu.org to learn about our member discount for Turbo Tax®! And finally, why not be rewarded for paying your taxes? Your UECU VISA® Power Card™ makes payment easy AND earns you VantagePoints™ – convenience and rewards – suddenly tax season is looking brighter!
Article provided by PSB and featured in the November 2011 issue of UECU’s News You Can Use.
Utility & Energy Employees: Starting Your Family’s Holiday Shopping? 4 Budgeting Tips To Keep The Holidays Merry!
Posted by UECU in Financial Safety, Personal Finance Tips, VISA Credit Card on October 26, 2011
The holidays can put a real dent in your finances. Follow these tips to keep your household budget in tiptop shape this season:
1. Determine your budget: It’s a simple idea but not easily followed. Figure out how much total money you can afford to spend. Include your holiday club accounts, extra money, or anticipated income from a part-time seasonal job.
2. Allocate your budget: Now that you have the total you can spend, decide how to allocate it. Set a dollar limit on what you will spend on a gift. Determine how much you will need for entertaining. Decorating? Travel? Remind yourself that the season is about your family and friends and not about impressing. There is no joy in paying for things you really could not afford.
3. Open a Holiday Savings Account – For Next Year: Now is the best time to open your holiday savings account for next season. Evaluate how well you managed within your budget this year and make any necessary adjustments. UECU’s Holiday Savings Account allows you to earn interest on your holiday nest egg and you can make it even easier to put your savings plan in action by arranging regular, automatic deposits with Direct Deposit, Payroll Deduction, or Automatic Transfer from another financial account. Add funds to your Holiday Savings Account throughout the year and automatically receive a payout of the full balance on October 1st, just in time to put it to use for the season.
4. Consider using your Credit Card – FOR PROTECTION: Using your credit card to make your gift purchases gives you added protection in several ways. It’s safer than carrying cash or checks. If your wallet is lost or stolen, liability limits will protect you against fraudulent use. UECU’s VISA® Power Card™ offers you free fraud protection, personal identity theft coverage*, and zero liability for unauthorized use of your card. You’ll enjoy feeling extra secure about your purchases with the Power Card™’s free Warranty Manager feature, which doubles the manufacturer’s warranty up to one year. Your card also comes with free price protection, so if you find an item for less than your purchase price, VISA will refund the difference. Plus, using your Power Card™ at the end of the year provides you with an extra bonus – you’ll earn DOUBLE VantagePoints™ for your purchases made from November 25 through December 31! It’s UECU’s way of rewarding you for taking your Power Card™ with you for your busy year-end errands. The holidays can be an exciting yet hectic time – let UECU help you enjoy the season more with easy ways to save for and make your purchases. Visit uecu.org or call us at 800-288-6423 to ask about our Holiday Savings Accounts, VISA Power Card™ and double holiday VantagePoints™!
*Insurance provided by Indemnity Insurance Company of North America.
(Article is provided by PSB and is featured in the September 2011 edition of UECU’s Member News.)
Utility & Energy Employees: September Is National College Savings Month!
Posted by UECU in Family Finance, Personal Finance Tips, Savings on September 16, 2011
Back to school is the perfect time to focus on your college savings plans for your children or grandchildren. Like planning for retirement, starting early is always better, but saving at any point is essential. And while saving for and paying for college is important, experts agree that it should not come at the expense of your own retirement savings plan. Here are some ways you can build a nest egg to help fund the college dreams in your family…
529 Savings Plans: Also known as Qualified Tuition Programs, 529 Savings Plans are government or educational institution sponsored savings plans you can open for your children, grandchildren or yourself. Contributions are not tax deductible, but investments grow tax-deferred and contributions to pay for the beneficiary’s college costs come out federally tax-free. Check with your state for specific details about their sponsored plan. Read more information on the tax benefits of 529 Savings Plans and other education tax benefits in the IRS publication at http://www.irs.gov/pub/irs-pdf/p970.pdf.
Regular Savings or Certificate Accounts: There’s nothing risky about saving for college in a traditional savings account or certificate of deposit. The higher savings rates offered by UECU’s Advantages Money Market Savings™ Account make it an excellent choice if you will be saving a sizable balance for expenses like tuition. UECU’s Advantages Certificates of Deposit™ also offer you a variety of higher deposit rates and time periods to earn on your certificate balance.
Coverdell Education Savings Accounts: Maximum contributions of $2,000 per year may be made to each of your children’s Coverdell accounts. While the annual contributions are not tax deductible, these funds grow tax free until they are distributed. When the account is established, the beneficiary must be under 18 years old or be considered a special needs individual. As long as the money is used to cover qualified education expenses such as tuition and fees, books or supplies at an eligible elementary, secondary or higher education institution, the beneficiary will pay no taxes.
Call us today at 800-288-6423 to discuss how UECU’s savings options can help you prepare for your future educational expenses – and ask how to make your saving even easier with Direct Deposit, Payroll Deduction, or automatic fund transfers!
(Article is provided by PSB and is featured in the August 2011 edition of UECU’s News You Can Use.)
Utilities and Energy Employees: Five Savings Secrets
Posted by UECU in Personal Finance Tips, Savings on July 29, 2011
How to increase your savings without significantly lowering your quality of life.
Provided by Suzette Y.
What’s the problem? In general, when it comes to a lack of savings, it is often not a question of low income, but a matter of high spending. While it’s very true that we’re often put into situations where we must spend money (due to loss of employment, health care bills, home repairs, etc.), for many of us our excessive spending is merely a habit we must learn to break … or at least control.
But … where do we begin? Many people would like to reduce their spending and increase their savings, but it seems like such a monumental task that they simply don’t take any steps in the right direction. Sound familiar? If so, don’t shrug it off any longer. Saving money can begin right now, and you can start in small ways. Here are several easy ways to increase your savings …
Secret #1: “Put it on the mantle.” My grandmother used to use that phrase when I was making a major decision, generally related to a purchase. She would say “put it on the mantle”, meaning that I should set it aside and think on it. That’s great advice, Gram! When you’re considering a large purchase (like a car) or even small (like a pair of designer shoes), try putting it aside, even for just a week or two. Allow yourself time to think it through. If, after that time, you still feel it’s a good idea, proceed … knowing it’s not just an impulse buy. If not, don’t. Most of us have made at least one (and probably more) purchases of this nature that we have later regretted. What if you had the money back for every such purchase? What if that money was collecting interest in your savings account? It could really add up.
Secret #2: Pay yourself first. When you get a paycheck, you likely pay your rent first, your car payment second, your insurance third, and so on and so on. Somewhere at the VERY BOTTOM of your list is YOU. Why are you at the bottom? Probably because you know YOU won’t penalize YOU, if YOU don’t make a payment to YOU. My point is this … hold yourself accountable. Start by putting money into your savings account FIRST. Take care of YOU before anyone else, so there are no excuses at the end of the month. Unless your monthly bills are higher than your monthly income, you should be able to determine a set, comfortable amount that goes into savings every month … no ifs, ands, or buts. Stick to it!
Secret #3: Shop smarter. We’re all in a hurry, so it’s easy to grab items like snacks or coffee when convenient. But think about it … if you stop at a convenience store for a 12 oz. coffee every morning, that’s probably about $1.75 you’re spending every day … that adds up to over $600 every year! What if, instead, you bought a $10 coffee maker for your office and bought your coffee grounds in bulk? How much money could you save? And how could interest affect what you’re saving? If you saved just $600 per year in a basic savings account with a 5% rate of return, after 30 years you could potentially have more than $30,000 … and that’s after taxes! Start paying more attention to those “little” expenditures. They can really add up!
Secret #4: See your destination. They say that hindsight is 20/20. Think about this: if 10 years ago you began saving just $200 per month in a shoe box under your bed, then today that shoe box would have $24,000 in it! Unfortunately, you can’t go back in time. But you CAN look ahead. Use a financial calculator (there are free calculators available online) and start plugging in numbers … calculate where you could be in 20-30 years depending on how much you’re willing to save today. Once you know what you COULD achieve, saving money could become your favorite pastime – a competition (with yourself) to see how much you can increase your future net worth. Have fun with it!
Secret #5: Ditch the shoebox. Speaking of that hypothetical shoebox under your bed … the money in that box might collect dust, but it won’t collect interest. And while I seriously doubt that you keep money in a shoebox, take a moment to consider WHERE and HOW you save your money. While a traditional savings account can earn you interest, there are other options available to you that could potentially earn you more. Perhaps you’ve heard people speak about money market accounts or CDs, but you’re not sure what they are or if they’re right for you. It’s a good idea to learn all you can and make informed decisions about your money.
The best advice I can give you is this – speak with a financial professional. While saving money is important, where and how you choose to retain and grow that money can have a significant impact on your net worth in the years to come.
Suzette Yoh is a Financial Consultant with Utilities Employees Investment Services and may be reached at 800-288-6423 ext. 6365 or syoh@swbc.com.
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These are the views of Peter Montoya, Inc., not the named Representative or Broker/Dealer, and should not be construed as investment advice. Neither the named Representative or Broker/Dealer give tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. Please consult your Financial Advisor for further information. Securities offered through SWBC Investment Services, LLC, a registered broker/dealer. Member SIPC and FINRA. SWBC Investment Services, LLC is not affiliated with this institution. Funds should not be considered a deposit of or guaranteed by this institution, may lose value and are not FDIC or NCUSIF insured. Neither SWBC Investment Services, LLC nor the presenter / financial professional provide tax advice. Please consult your tax professional for tax advice. Consultations are complimentary but costs may apply to investments.Making Home Improvements This Summer? Energy & Water-Saving Tips That Keep More Green In Your Pocket
Posted by UECU in Home Ownership, Personal Finance Tips on July 15, 2011
The federal government’s energy credits may have expired, but making green improvements to your home is still a smart financial and ecological decision and investment.
Replacing your old single pane windows and doors: Insulated glass and improved seals will keep the seasonal elements out and comfortable air in. Shop around for a reputable dealer and installer. A poorly installed triple-pane window is as bad as a single pane.
Replace your water heater: If you cannot afford the higher up-front investment of a tankless, on-demand water heater, you can still upgrade your current model to a high efficiency hot water tank. Fifteen percent of your energy bill is spent on hot water, so any improvement will generate lasting savings.
Buy a rain barrel: Available in a range of prices, shapes, and sizes, a rain barrel is a great way to conserve water and save money. A strategically placed rain barrel can collect 55 gallons in a downpour. With the convenience of an attached spigot, water is readily available for watering your plants, washing your car, or cleaning your patio or deck.
Whether you can invest a lot by replacing windows or a little by adding a rain barrel, green improvements and money savings are still around, even if the tax credits are not. If this is your year to upgrade appliances or give your home a bigger green makeover, a home equity product could be the answer. UECU has slashed our home equity rates on both home equity term loans and home equity lines of credit! Call us for details at 800-288-6423 ext. 4001.
(Article is provided by PSB and is featured in the June 2011 edition of UECU’s Member News.)
Utility & Energy Industry Families: Enjoy Your Vacation MORE – Spend LESS & Earn REWARDS
Posted by UECU in Family Finance, Financial Rewards, Personal Finance Tips on June 28, 2011
When it comes to frugal fun, my family likes to live it up. Our latest vacation to the shore was no exception. With a little planning and smart choices on the road, we were able to save some bucks and get to more places with our vacation budget. And as always, our trip was made more carefree by knowing our credit union was traveling with us – and helping us earn rewards along the way. This summer, we spent some time enjoying the sand and the Atlantic, did a little shopping, visited a few nature preserves, and still had the time and funds to check out the local historic and cultural sites. Your trip itinerary may take you different places each day, but there are thrifty ways to adapt your spending strategy while you’re on the go. Are you looking to save on a vacation this summer? Your family may have their own tips and secrets – here are a few that worked for us …
1. Planning Ahead To Get The Inside Scoop
We’ve always had fun planning our family trips and now we don’t even need to line our bookshelves with travel books. The Internet is an inexpensive source of information on travel destinations. A little research ahead of time makes all your spending decisions much easier along the way. I like to check out the local attractions, what events are going on in town that week, neighborhood shops, and the best local eateries. Think about prices and make a list of the “definite” and “maybe” places on your hit parade. And don’t forget to check the weather forecast. Pick your best days for outdoor activities and avoid losing the value of admission fees because bad weather spoiled the day. If you get unexpected rain one day like we did, your list will come in handy for indoor substitutes.
2. Reaching Your Destination – Without Spending Your Budget On The Way
Packing and a long drive may be the only downers of taking a road trip (well, aside from the after-trip laundry pile) – but you can improve your experience. Need something to put in your suitcase? If you’re a fan of the outdoors like me, you might be dressing for the occasion. If you need a new hat, clothing, walking or hiking shoes, swimwear, or camping and recreational supplies for your adventure, you’re in luck as a UECU member. If you buy ahead of your trip, you’ll want to take advantage of Shop America, which offers credit union member discounts to more than a thousand big name retailers’ online stores. I was amazed at my buying options, which include discounts to more than 200 clothing and shoe providers and 90 stores selling outdoor gear and sporting goods!
For the drive, we took the family’s most fuel-efficient car and tried to minimize our cargo. Filling the tank is still painful, but we rewarded ourselves by always using our UECU VISA® Power Card™ at the pump. With our PowerCard™ we earned 1 VantagePoint™ for every $1 we spent – we’ll redeem our reward points for cash back or gift certificates we can use to book future vacations – UECU’s gift certificate vendors include several options for transit companies and travel reservation services. And while we used our own vehicle this time, the PowerCard™’s free travel security features like auto rental insurance and travel accident insurance always come in handy for reserving rentals and flights.
3. Getting Your Munchies For Less
Worried about spending too much on your meals? Think of ways to take a bite out of the local cuisine – but not your wallet. We chose one night to splurge on a seafood dinner and aimed for savvy spending the rest of our trip. When we’re eating out, we try to order our bigger meal early in the day from the more affordable lunch menu. Our UECU VantagePoints™ rewards have come in handy too – it’s easy to run into a participating restaurant on the road, since there are more than 20 restaurant chains in UECU’s gift certificate options!
Picking the right hotel helps, too – some offer a complimentary continental breakfast included in their price – and many have a mini refrigerator and/or microwave you can use to prepare a small evening meal. You can even take your edibles on the go during the day with a well-iced cooler. This way, eating “out” doesn’t have to mean another bill. Al fresco can be a nice change of pace – we enjoyed lunchtime tuna sandwiches by the sea on our trip.
4. Staying The Night
Are you vacationing in a large town or a frequent tourist destination? The hotel prices I find for these spots often make my eyes pop. One idea is to visit your destination in the “off-season” – but that only works if attractions are open year-round. My family’s method of coping is to check hotel prices in the surrounding smaller towns. Often one or two exits down the highway, you’ll get the same hotel room for significantly less a night. We usually find the savings far outweigh the few extra minutes your car’s on the road. If you like staying in the same hotel chain, many have rewards programs that earn you discounts on future stays. And once again, VantagePoint™ rewards have saved the day more than once with 14 hotel gift certificates to choose from!
So, don’t stay home all summer – you can vacation for less – think thrifty, earn rewards with UECU – and enjoy your trip even MORE!
Written by Amanda Y.
Three Ways To Cope With Rising Gas Prices
Posted by UECU in Loans, Personal Finance Tips on May 13, 2011
Utility & Energy Workers – Are your wallets feeling the pinch at the pump?
Rising gas prices may make for interesting office chatter or Facebook complaining, but have you really considered the impact on your budget? You may not immediately notice the absence of the extra $5-10 it costs to fill your tank, but in the course of a month and the year, you could find yourself short on cash. Not to mention, rising gas prices are usually followed by rising food prices, since at some point everything is shipped by truck to the store. With even higher gas prices traditionally arriving in the summer, prepare now so your budget stays in good shape.
1. Buy Cheaper Gas: Experts agree that most cars today are built to be maintained on regular unleaded. Unless your car manual indicates a higher-octane compound, choose the lower grade. Also consider “off-brand” gas. Shop your local grocery store gas station where you can often get generic pricing as well as loyalty rewards to lower the price even further. Check out websites like www.gasbuddy.com or www.gaspricewatch.com that help you shop around without driving round.
2. Change Your Habits: When prices rose in 2008, consumers carpooled, took public transportation, lowered their discretionary drive time, or switched to walking and pedaling when possible. Consider these options again and make them a permanent change this time.
3. Buy Better Cars: If the low prices and low loan rates didn’t make you buy an energy-saving car last year, then higher gas prices might. Hybrid vehicles offer the best mileage but sometimes a steeper purchase price. Smaller cars also offer high mileage at a more reasonable purchase price, but you sacrifice room or function. Decide which option fits your lifestyle. And don’t worry, there’s still time to enjoy UECU’s great auto loans – you could pay around $60 a week on your loan with super low rates starting at 2.99% APR.*
Consider whether you’re saving enough for gas and other rising expenses. Call 800-288-6423 to discuss your current savings plan with UECU or to learn more about savings and lending products to help you prepare for a new vehicle purchase.
* APR=Annual Percentage Rate. Savings based on a $14,500, 60-month loan, calculated as of 04/30/2011. Our lowest rate is based upon an evaluation of credit-worthiness criteria, and maintaining an active UECU checking account; your actual rate may differ. Certain auto model year and loan amount restrictions apply. Limited time offer. Offer is subject to change without notice. Refinancing of existing UECU auto loans are not eligible.(Article is provided by PSB and is featured in the April 2011 edition of UECU’s News You Can Use)
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