Christopher Credit Union Merger
Informational Packet
What’s Inside?
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Welcome to United Financial
Important Dates
New benefits available after the merger
Answers to frequently asked questions
Contact Us
Current Rates
Special Offers just for you!
989-777-3620 ● UnitedFinancialCU.org
Christopher Credit Union Merger Information
Welcome to United Financial Credit Union!! We are proud to be a part of the Chesaning community
and are eager to provide our financial services to you. Our goal is for you to earn higher
dividends/interest on your deposits, save money with lower loan rates and receive superior service
from our friendly Chesaning office staff.
Rest assured that we have taken all of the steps necessary to ensure the safety of your personal
information during the merger process. Your deposits will continue to be insured up to $250,000 by
the National Credit Union Administration (NCUA) throughout the entire conversion process.
Important Dates to Note
December 30, 2016: This will be the last day you will be able to access your accounts at Christopher
Credit Union.
January 1, 2017: We will transfer over your account and loan(s) to United Financial Credit Unions
system.
January 2: All United Financial Locations are closed in observance of the holiday.
January 3: You will be able to access your accounts at United Financial.
For more information about your specific accounts, including applicable fees, please visit our website
www.unitedfinancialcu.org/disclosures to view our Truth in Savings Disclosure, Privacy Policy and
Rate & Fee Disclosure.
New Benefits Available After the Merger
Below is a list of some of the additional products and services that we have available at United
Financial. These will all be available to you after January 1, 2017.
• Checking account with an ATM/Debit Card
• A variety of Electronic Services: Online Banking, E-Statements, Mobile Banking, Remote Check
Deposit, Online Bill Pay
• Additional saving account options: Christmas Club, Money Maker Accounts, Vacation Clubs
• Investment options: Certificates of Deposits, IRA’s, a Financial Advisor on staff to meet with.
• Loan options including: Auto, Home, Personal, Lines of Credit, MasterCard Rewards Credit
Card, and Student Loans.
New Benefits Available After the Merger
Direct Rewards Checking Account:
Direct Rewards Checking will provide you an above market rate, plus reimburse you for ATM
withdrawal surcharges you may receive from other locations.
Here is how it works!
To Qualify you need to have:
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Checking Account
Direct Deposit
Virtual Branch
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E-Statements
12 Debit Card transactions
Pay 1 bill a month with Net Pay
You can:
You will automatically receive these great benefits below, if you have all of the qualifying services
above.
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Earn an above market rate on a monthly average daily balance up to $25,000 in your
checking account
Get reimbursed for ATM withdrawal surcharge fees from other locations, up to $25 each
month.
Online Account Access
Logging into Home Banking for the first time {After January 1, 2017}:
You will visit our website – www.unitedfinancialcu.org and find the Online Banking link on the top of
the page.
You will then follow the link for First Time Users.
If you are the Primary Account Holder, you will then enter your new United Financial account number
and the last 4 digits of your social security number in the boxes. When you click 'Submit', you will be
redirected to the Home Banking change password page where you will need to change your
password to gain access. You will also be asked to create a new Username for your account.
Members should not include the leading 0 in their account number ex (01234 is 1234).
If you are a Joint Owner or Associate Owner on the account, you will need to log in with your special
Associate account number. Please call us if you do not have this number yet.
Questions About My Credit Union Membership
When does the merger take place?
The merger will be effective January 1, 2017.
What do I need to do with my accounts?
Without having to do anything, you will automatically become a member of United Financial Credit
Union. All of your deposit accounts and balances will be transferred to United Financial at the rates
then in effect as of January 1, 2017. Your loans will transfer over with the same interest rate, payment,
due date and terms as you currently have. As an added benefit you will have access to more
savings and loan products, additional services and more locations at which you can perform
transactions.
Will the existing office remain open?
No. United Financial has a branch that is less than a mile from the Christopher CU location and will
be opening a new branch in Chesaning in March 2017. Not only will this provide greater service for
our members but it demonstrates United Financials commitment to our community.
Where is the United Financial Chesaning office located?
Currently the location is located at 124 North 3rd Street. We are in the process of building a new office
at 1720 W. Brady Rd (M-57), which we expect to be opening in March 2017.
What will happen to my account number?
Your account number will change as a result of the transfer of accounts to United Financial. For
security reasons we do not want to mail your account number. You will be able to call the Credit
Union at 989-777-3620 ext. 4320 to receive your new account number.
What if I am already a member of United Financial CU?
If you are already a member of United Financial, your Christopher Credit Union Savings
Account/Loans will transfer to your current United Financial account. After January 3, 2017 – you will
see a new Savings Share Suffix or Loan Suffix on your account.
Will my direct deposit and payroll deduction stay the same?
Yes. If you currently have direct deposit of your payroll check, payroll deduction or direct deposit of
pension or social security to your account, it will automatically transfer to United Financial without you
having to do anything.
Will rates change?
The rates in effect for United Financial on the date of the merger will be the rates for products and
services offered to you. United Financial will offer more variety in loan products, deposit products
and more convenient service. If you have any questions about your existing rates, please contact us
at 989-777-3620 ext. 4320 or you can visit our website for the current Rate & Fee Schedule.
What about fees?
The fee schedule for United Financial will be the effective fees assessed on accounts as of the
effective date of the merger. United Financial will provide our members with informational materials
to inform you of what fees may be assessed and how to avoid or reduce paying those fees. In most
cases fees can be avoided altogether. You can visit our website for the current Rate & Fee Schedule
Does United Financial Credit Union have home banking?
Yes. After January 1, 2017, you will be able to access your accounts and perform transactions via the
United Financial website www.unitedfinancialcu.org.
United Financial offers its members a variety of e-commerce products and services such as mobile
banking, bill payment and e-statements to serve you anywhere you are located.
Is my personal information safe and will my funds remain insured?
Yes. United Financial has been in business for more than 50 years and considers privacy and
protection of member personal information its highest priority. United Financial uses state-of-the art
technology to protect your information and all of its staff are trained to assure member
confidentiality. United Financial does not disclose member information to any third parties unless it is
authorized by law.
All United Financial accounts continue to be insured by the National Credit Union Administration
(NCUA) Share Insurance Fund up to $250,000 per account.
What will happen to the staff at Christopher Credit Union?
Randy Hoerner intends to retire from employment with the credit union and this is one of the reasons
the board of directors has chosen to seek a merger.
Federally Insured by NCUA
We are here to help. Please contact us – we have set up a dedicated phone number to
answer any of your questions:
Email:
[email protected]
Phone:
989-777-3620 ext. 4320
Website:
www.unitedfinancialcu.org/christophermerger
Special Offers for Christopher Credit Union Members
Stop into any of our locations and present the below coupons to take
advantage of these special offers.
6 Month Certificate of Deposit
Special
1.00% APR*
$500 minimum deposit to open
Offer valid until February 28, 2017 for Christopher Credit Union Members only.
Refinance a Secured Loan with
United Financial Credit Union
and receive up to $200!
Loan amount $5,000 - $7,499 = $50
Loan amount $7,500 - $14,999 = $100
Loan amount $15,000 - $19,999 = $150
Loan amount $20,000 + = $200
Offer valid until February 28, 2017 for Christopher Credit Union Members only.
Offer not valid on current Credit Union loans.
Secured loans can include: Auto, Home, RV, Motorcycle, Boat, Trailer or other collateral.