Banking is what you do,
not where you do it
Winter 2014
Banking The Credit Union Way
Get
5,000
Bonus
Points!*
When you check with United Consumers Credit Union, you always get more.
More Convenience.
We offer more ATMs than Bank of America. Find the locations closest to you at www.uccumo.com, and
access your accounts at 33,000+ free ATMs nationwide.
More Locations.
We have more than 5,000 locations. That’s more places to talk to a real person, and more branches
than Commerce Bank and US Bank combined.
More Community.
With UCCU, your money is reinvested in your community, not sent out to shareholders. Your funds stay
local to help your neighbors get more for their money, too!
More Rewards.
Use our free MasterMoney® Debit Card, and you can earn UChoose Rewards points with every purchase.
Earn points toward merchandise, travel, gifts and more, and make the most of your money.
For a limited time, make the switch to a UCCU checking account and UChoose Rewards Visa®
credit cards, and you could even earn a bonus of up to 5,000 UChoose Rewards points!*
Combine all of this with more free services, including CU Anywhere online banking, CU Mobile,
E-Statements, E-Alerts and CU Pay online bill pay, and you’ve got more than you’d expect from a basic
checking account.
Want to get more? Visit www.uccumo.com for our convenient Switch Kit or visit one of our branches to
open your free UCCU Checking Account today!
*Restrictions and usage qualifications apply. Members who open a UCCU checking account and complete six transactions per month for three months with a
MasterMoney debit card will earn 2,500 bonus UChoose Rewards points. Members who activate a new UCCU UChoose Rewards Visa credit card will receive an
additional 2,500 UChoose Rewards point bonus upon making their first purchase. Offer dependent upon member eligibility and creditworthiness. Available for a
limited time only. Contact credit union for complete details.
How Will Your Student
Pay For School?
The acceptance letter arrived, you found a cheap mini fridge online, and your
teen is ready to take on the campus – and then the world. But how will you pay
for that higher education? Check out our checklist to evaluate your options.
1. Evaluate awards.
Find Us On Facebook
There’s a new way to get the latest
news from your credit union: you
can now find us on Facebook!
We use the UCCU Facebook page to
talk with you about financial
matters, community news, credit
union happenings and current
events. You’ll find everything from
open house invitations to special
deals and smart money tips.
Simply ‘Like’ us on Facebook and
check back regularly to find out
what’s new at UCCU!
Low
interest rates
make this a great time
to purchase or refinance
a home, and UCCU can
help you save money on
your mortgage! We
offer a wide range of
residential loan options,
and we can personalize
a plan that fits your
needs. Visit any of our
seven area locations,
and see how much
you’ll save when you
finance your home with
UCCU!
If your child won an award – like the Missouri Bright Flight Program – be sure
you understand the terms and conditions. This will help you assess the financial situation and determine if your family requires any additional funding
and, if so, how much.
2. Apply for scholarships before loans.
There are literally millions of scholarship options (including UCCU scholarships!), and your student is bound to qualify for a few. Visit www.fastweb.com
to review a comprehensive list, along with deadline information.
3. Determine how much more you need.
Add up all scholarships, grants, awards and family contributions – as well as
savings earmarked for college – then determine whether a student or personal loan is needed. Remember, UCCU offers low-cost loans for things like
computers, supplies, furniture and even that trusty car your teen will need to
get back and forth from school to home.
The earlier you evaluate your student’s collegiate costs and payment methods, the better. Contact the credit union if you need financial help, and check
out our scholarship information below.
UCCU Offers Scholarships!
This year, the credit union will
award two $1,500 scholarships to
worthy student members!
Applicants must be UCCU members
in good standing ages 17 and
older, and should plan to attend a
college or university on a full-time
basis in the fall. Interested members
should complete the application
materials and demonstrate
outstanding achievements both in
and out of the classroom. Visit
www.uccumo.com or stop by one
of our seven locations to review
complete scholarship guidelines.
Completed applications may be
mailed to:
United Consumers Credit Union
Attn: Scholarship Committee
1111 E. 23rd St.
Independence, MO 64055
Applications must be postmarked
no later than March 15, 2014 to be
eligible.
Join Us For The 2013
Annual Meeting
Over the past year, credit unions worldwide turned their
focus on international cooperation; credit unions uniting for
the good of our members truly is a better way of doing business. At UCCU, we’re taking time to adapt that view to our
community. We want to find cooperative solutions to local
demand, and we’re excited to share our success with you!
Join us on Tuesday, February 18, as we review the latest
credit union developments and plan for another year of
service. We’ll host members, staff and guests for an evening
of socializing, refreshments, prize giveaways and fun.
Tuesday, February 18, 2014
Hilton Garden Inn
19677 East Jackson Dr.
Independence, MO 64057
5:45 p.m. Registration
6:00 p.m. Doors open
It is also time for the annual volunteer elections. This year,
Board of Director nominees are Larry Brown, Gordon Corn
and Vaughn Tribble.
To make your reservation for the meeting, simply fill out the
attached form and return it to the credit union by Wednesday,
February 12. We look forward to seeing you there!
Annual Meeting Reservation Form
Name
Account Number
Number Attending
Return this form by Wednesday, February 12 to:
United Consumers Credit Union
Attn: Mary Harmon
1111 E. 23rd St.
Independence, MO 64055
Tax Time Is Here!
Nobody looks forward to tax time – managing a
year’s worth of receipts and payments is always a bit
daunting – but UCCU has some tips to make the
task a little easier. You could save more money this
year or the next by reducing Uncle Sam’s share of
your income. Check it out:
1.) Make A Contribution
You can still lower your 2013 tax liability with
an IRA contribution. Open a qualifying UCCU
IRA, and funds you invest through April 15
can help you build future security while also
lowering your tax bill. Keep up the contributions year-round to save more money every
year!
2.) Track ose Deductions
Medical bills, state and local taxes, mortgage
payments or property taxes are all applied
to the tax year in which they were paid.
E-Statement users have an advantage here –
your CU Anywhere account will have all of your
financial statements, which makes tracking
your deductions easy!
3.) Be Charitable
You can donate cash, property, clothing,
household items, vehicles and even stocks to
get a tax break and help a worthy cause at
the same time. Just be sure to get a written
receipt!
4.) Give More
Did you know you can reduce your 2014 tax
liability even further by giving money away?
Give up to $12,000 per recipient and pay no
gift tax. Eligible gifts include paying for
someone’s education, covering medical bills for
others, or gifting appreciated stocks.
Of course, everyone's financial circumstances and
needs are unique, so it's a good idea to carefully
consider your choices and consult an experienced
professional when appropriate. And, if you need
help finding the right accounts to fit your tax needs
for this year, contact UCCU.
These Members Dove In And Won!
Last year, UCCU offered home loans that didn’t require a lifeguard,
along with the chance to catch gift cards valued up to $2,000. These
members opened a new UCCU Mortgage, Home Equity Loan or Home
Equity Line of Credit and won!
Christine Maday And Robert Knudson accept their prizes
from UCCU Mortgage Loan Associate Darry Davenport.
Congratulations to the following drawing winners:
$2,000 – Christine Maday
$1,000 – Robert Knudson
$500 – Dennis & Heather Johnson
Keep an eye on www.uccumo.com and
future issues of Member Connection for your
next opportunity to win with UCCU!
Heather Johnson met with UCCU VP of
Financial Services to receive her prize.
Board and Management Staff
Board of Directors
Ray Kline, Chairman
Jared Fears, 1st Vice Chair
Tracy Cox, 2nd Vice Chair
Mike Welsh, Sec/Treas
Larry Brown
Gordon Corn
Kevin Cummings
Carl Milby
Vaughn Tribble
Term Expires
2016
2015
2015
2016
2014
2014
2015
2016
2014
Supervisory Committee
Term Expires
Donald Seaver, Chairman
Mary Brown
Marvin Lewis
Reed Moorman
Sam Thompson
2015
2016
2015
2014
2016
Office Locations
Phone ..................................816-325-6900
Toll Free ............................1-800-580-9303
Fax ......................................816-461-6355
Management Team
Chris McCreary, President
Jay Neathery, Executive Vice President
John Pinzino, Vice President of Financial Services
Kelly Black, Human Resources/Training Director
Esther Hinkle, Operations Director
Rich Webster, IT Director
Kathey Atkinson, Financial Services Underwriter
Charles Moore, Accounting Director
Andrew Pahopin, Sales Director
Debbie Evans, Financial Services Operations Director
DEC13-897TP
CU Anywhere..................www.uccumo.com
For a complete listing of business hours, please visit our website, www.uccumo.com
Main Branch
1111 E. 23rd St., Independence, MO 64055
Truman Branch
400 W. 24 Hwy., Independence, MO 64050
Raytown Branch
8730 E. 63rd St., Raytown, MO 64133
Susquehanna Branch
16300 E. 24 Hwy., Independence, MO 64056
Fax ......................................816-796-7591
Nominating Committee
Ray Kline, Chairman
Carl Milby
Mike Welsh
MAC24 ..................................816-461-3925
(24-Hour Audio Response Telephone Access)
Shared Branch Locations
UCCU is proud to be a part of CO-OP
Shared Branch. You can conduct your
credit union business at 22 shared branch
locations in the Greater Kansas City area and more
than 5,000 locations nationwide. For a complete
listing of these locations and their hours of business,
go to www.uccumo.com, and click on the locations
tab at the top of the page.
Free ATM Locations
United Consumers Credit Union is part of
CO-OP ATM and the Alliance One Network,
giving our members access to more than 33,000
surcharge-free ATMs nationwide. To find the ATM
closest to you, go to www.uccumo.com, and click on
the links at the bottom of the Locations page to search
your area.
Railway Mail Branch
Union Station – Theater Level
30 W. Pershing Rd., Ste. 650
Kansas City, MO 64108
Fax ......................................816-842-9726
St. Joseph Branch
724 N. Belt Hwy., St. Joseph, MO 64506
Phone ..................................816-279-3693
Fax ......................................816-279-9674
Olathe Branch
414 E. Dennis Ave., Olathe, KS 66061
Phone ..................................913-782-1231
Fax ......................................913-782-1254
Banking is what you do, not where you do it
Banking The Credit Union Way
www.uccumo.com
Federally Insured By NCUA