1. finance
2. bank
3. bank account

VOLUME 39 , NO. 4
United Credit Union is … “Your Financial Partner for Life”
FALL 2014
nterprise Fall Vehicle Sal
E
l
a
i
c
e
e
Sp
RATES VALID THE ENTIRE MONTH OF OCTOBER 2014 ONLY
100%
2011- 2014 models (1)
Rates as low as…
1.75
FINANCING

Enterprise Fall Car 87906 Sale

FREE Checking Plus 2

It Pays To Read

Chairman’s Report

Savings Minimum Balance
Get pre-approved for your vehicle purchase, before you shop!
Visit Enterprise Car Sales on-line to view the vehicles available or visit any Enterprise Location listed below.
3840 N. Western Ave.
Chicago, IL 60618
ENTERPRISE CAR SALE LOCATIONS
11429 S. Harlem Ave.
395 Roosevelt Road
CALL (866) 855-5452
Worth, IL 60482
Glen Ellyn, IL 60137 www.enterprisecarsales.com

Holiday 61952 Closing Schedule

President’s Message

What Does United Credit Union
do with your Personal
Information?

Member Education Seminars
Trade-Ins Welcome
Superior Friendly Service
Affordable Low Prices
7 Day Re-Purchase Agreement
FREE - 12/12 Limited Power Train Warranty
Extended Service Agreement Available
Fully Equipped Vehicles with Popular
Options
All Prices Clearly Marked
If You Are Not a Member - JOIN NOW!
Get Your Pre-Approval Today!
Choose From many Late Model Vehicles

Member Education Registration

Hours & Location
United Credit Union offers the ease and convenience of having a FREE
Checking Account Plus FREE Home Banking and FREE Bill Pay!
APPLY TODAY and get a totally FREE Checking Account with United Credit Union
without the worry of maintaining a daily balance or completing a certain number
of transactions each month.
Visit any of our United Credit Union locations to apply for
our FREE Checking Account, Plus FREE Home Banking and FREE Bill Pay!
Find your
account number
in this Report
Card issue and
win $20.00
deposited into
your savings
account!
Offer Expires October 31, 2014
Chairman’s
Report
COLUMBUS DAY
Monday, October 13, 2014
President’s
Message
VETERAN’S DAY
Tuesday, November 11, 2014
THANKSGIVING DAY
Thursday, November 27, 2014
CHRISTMAS DAY
Thursday, December 25, 2014
NEW YEARS DAY
Thursday, January 1, 2015
Dear Fellow Members:
Let me take this opportunity to again
thank each of you that I have had the pleasure to meet and those of you that I have
not met as of now. Your welcoming me as
the new Chairman has been very heartfelt
and warming. I intend to try to meet each
of you.
United Credit Union will be
open until 3:00 PM
Wednesday December 24,2014 and
Wednesday December 31, 2014
Your Board of Directors are in the process,
of updating 99148 some of the systems we
have and offering new products. One such
enhancement, is a new Mortgage system
that will make it easier for you to do business with the Credit Union. We also hope
to expand this system to our other loans,
cars, signature, home equity loans etc. We
are also looking at convenience checks, to
make it easier for you to borrow without
having to fill out long forms. We have also
increased some of the credit card limits,
the Holidays are coming.
As usual my personal belief and each
member of the Board of Directors belief
is that WE NEED YOU, WE NEED AND
WANT YOUR LOANS. We can only survive
and grow by your, 58154 and your family
members active participation in the credit
union.
As always if there is something that we can
do or suggestions that you have to make
doing business with you easier please let
us know!!
Remember we want,
need and appreciate
your business.
Dolphin Harris,
Chairman
Effective August 1st,
2014 the Par Value of a
Share at United Credit
Union was reduced
from $100.00 to $25.00.
Whether you or your
family member have
a specific savings goal
36981 in mind, get
started by opening a
savings account with
United Credit Union!
In today’s world, the use of Debit and
Credit Cards is continuing to increase.
The use of these instruments is a great
convenience, because an individual does
not have to carry cash or their checkbook
with them. They are easy to use for purchases. However, the ability for hackers
to access a merchants computer system is
also increasing. With that in mind, you
should always have a backup plan in the
event your Debit or Credit Card is 55479
compromised. When we are notified that
your account has been compromised, we
immediately restrict your card and issue
you a new card. You never know when or
where this will happen!
A Financial Institution is NOT REQUIRED
to provide CASH when a withdrawal
is requested. With the small branches
many Financial Institutions have limited
amounts of cash. United Credit Union
has a limit of $500.00 for cash withdrawals, provided the cash is available. We
try to honor all cash withdrawal requests,
however when the cash in not available a
check will be issued. The checks we issue
through the Teller Department are our
Official Check. Because it is our Official
Check, if you are taking this to another
Financial Institution, they should accept it
without delay, however, we cannot control
what another Financial Institution will do.
We request that if you require a large cash
withdrawal, you notify us at least five (5)
days in advance so that we can make the
necessary preparations. 53810
In addition, members now have the ability to withdraw up to $500 at an ATM
and with a Point of Sale Transaction on
both Debit and Credit Cards!
Gary Peck
President
FACTS
WHAT DOES UNITED CREDIT UNION DO WITH YOUR
PERSONAL INFORMATION?
WHY?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit
some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal
information. Please read this notice carefully to understand what we do.
WHAT?
The types of personal information we collect and share depend on the product or service you have with us. This
information can include:

Social Security number and account transactions
checking account information and credit history
payment history and transaction or loss history
When you are no longer our member, we continue to share your information as described in this notice.
HOW?
All financial companies need to share members’ personal information to run their everyday business. In the section
below, we list the reasons financial companies can share their members’ personal information; the reasons United
Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information.
Does United Credit
Union share?
Can you limit this
sharing?
For our everyday business purposes —
such as to process your transactions, maintain your account(s),
respond to court orders and legal investigations, or to report to credit bureaus
YES
NO
For our marketing purposes —
to offer our products and services to you
For joint marketing with other financial companies
For our affiliates’ everyday business purposes —
information about your transactions and experiences
For our affiliates’ everyday business purposes —
information about your creditworthiness
For nonaffiliates to market to you
YES
NO
YES
NO
NO
WE DON’T SHARE
NO
WE DON’T SHARE
NO
WE DON’T SHARE
QUESTIONS?
WHAT WE DO
Call 773-376-6000 or email us at [email protected]
How does United Credit
Union protect my personal
information?
How does United Credit
Union collect my personal
information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal
law. These measures include computer safeguards and secured files and buildings.
Why can’t I limit all
sharing?
We collect your personal information, for example, when you

open an account or apply for a loan

use your credit or debit card or apply for financing

give us your contact information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Federal law gives you the right to limit only

sharing for affiliates’ everyday business purposes — information about your creditworthiness

affiliates from using your information to market to you

sharing for nonaffiliates to market to you
State law and individual companies may give you additional rights to limit sharing.
DEFINITIONS
Affiliates
Nonaffiliates
Joint Marketing
Companies related by common ownership or control. They can be financial and nonfinancial companies.

UCU Financial Services, Inc.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Nonaffiliates we share with can include insurance companies, government agencies, plastic card processors (credit/
debit/A TM), financial statement publishers or printers, mailhouse, mortgage service companies, consumer reporting
agencies, data processors, and check/share draft printers.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Our joint marketing partners include CUNA Mutual Group’s MEMBERCONNECT.
OTHER IMPORTANT INFORMATION
Protecting our member’s privacy and confidentiality of personal information is one of our highest priorities
FINANCIAL WORKSHOPS
November, 2014— January, 2015
United Credit Union is committed to providing its members, at no cost,
quality financial education 43899 which is essential in this day and age.
These educational seminars cover relevant and important topics for our members.
Member Suggestion
If you have a topic of interest you would like for a Financial Workshop,
please let us know.
SATURDAY,
NOVEMBER 1, 2014
FINANCIAL 66541
EDUCATION
Attendees will learn to understand how their money flows through the system. How to prepare for financial situations and the importance of managing
your expenses:
•How to create a Budget
• Understanding Your Credit Report
•Managing Your Checking Account • Managing Your Credit
•How to Save
• Handling Delinquency
SATURDAY,
NOVEMBER 8, 2014
C ASH
MANAGEMENT
For individuals who may benefit from ideas on how to better manage their
day-to-day financial resources
SATURDAY,
DECEMBER 6, 2014
SOCIAL SECURITY
AND YOUR
RETIREMENT
Achieving a secure and comfortable retirement requires careful financial
planning. Understanding the role of Social Security will help develop an effective retirement strategy that meets your needs and brings peace of mind.
83899
SATURDAY,
JANUARY 17, 2015
RISK
MANAGEMENT
Managing risk is a fundamental part of financial planning. You may be saving
and investing. Maybe you think you are doing everything right. Don’t let
unanticipated events - like an unexpected accident or natural disaster - derail
your financial future!
CHECK SEMINAR(S) YOU WISH TO ATTEND:
 SATURDAY, NOVEMBER 1, 2014, FINANCIAL EDUCATION
 SATURDAY, NOVEMBER 8, 2014 CASH MANAGEMENT
 SATURDAY, DECEMBER 6, 2014, SOCIAL SECURITY AND YOUR RETIREMENT
 SATURDAY, JANUARY 17, 2015, RISK MANAGEMENT
MEMBER’S ACCT #
MEMBER’S NAME
ADDRESS
CITY/TOWN
GUEST NAME
 REGISTRATION / CONTINENTAL BREAKFAST, 8:30AM-9:00AM  SEMINAR, 9:00AM
 LOCATION: MEMBER SERVICE CENTER (WEST) 4444 S. PULASKI RD. (COMMUNITY ROOM)
PHONE #
STATE
Limit one guest.
Thank you for your cooperation.
Mail coupon to 
ZIP
United Credit Union
Financial Workshops
Attn: Nancy Sanchez
4444 So. Pulaski Road, Chicago, IL.
U N ITE D CR E D IT U N I O N M E M B E R S E RVI CE CE NTE R S
CHICAGO WEST
EVERGREEN PARK
4444 S. Pulaski Rd.
Chicago, IL 60632-4011
773-376-6000
9730 S. Western Ave, Ste 633
Evergreen Park, IL 60805-2863
773-843-9300
OUTSIDE ILLINOIS
1-800-848-3444
WEBSITE
www.unitedcreditunion.com
E-MAIL
[email protected]
CHICAGO NORTH
CHICAGO EAST
5901 N. Cicero Ave., Ste. 106
Chicago, IL 60646-5711
773-843-8500
1526 E. 55th St.
Chicago, IL 60615-5550
773-843-8900
Your savings fedreally insured to at least $250,000
and backed by the full faith and credit of the United States Government
Follow us on:
National Credit Union Administration, a U.S. Government Agency