Media Contacts:
Patty Tazalla Phone: 414.247.2174 ptazalla@bvk.com	Yanick Dalhouse Phone: 414.351.9563 ydalhouse@bvk.com
	www.unitedfcu.com

The UFCU Difference

As a not-for-profit member-owned cooperative, United Federal Credit Union (UFCU) uses its financial strength to meet members' needs, instead of shareholders. UFCU also believes in taking all the value it creates and returning it to members in service, price and convenience. Its strength is passed back to members in the form of high-yield savings, low-rate loans and little-to-no fee services.

UFCU believes in its mission statement, which says, "We will partner with our members and we will share the benefits... that is the United difference."

UFCU carries out its corporate mission by providing its members the most rewarding financial relationship possible. Being dedicated to its mission and members has resulted in great benefits as well as high member satisfaction. Highlighted below are just a few statistics UFCU is proud to hang its hat on:

• Return to Member Rating: 94th percentile - This means UFCU provides better loan rates and better deposit rates than 94 percent of the other credit unions in its industry.
• Raddon Financial Group Member Satisfaction: 94 percent - This means 94 percent of UFCU's members are either satisfied or very satisfied with their credit union.
• Raddon Financial Group Services Per Household: 2.38 - This means the average UFCU Household has 2.38 services, compared to the national average of 2.11.

Branches

UFCU has a long and rich history spanning some 70 years. On October 1, 2006 UFCU, headquartered in Buchanan, MI, joined First Resource Federal Credit Union in St. Joseph, MI, to form the new UFCU, currently based in St. Joseph, MI. The credit union has grown to serve over 73,000 members located worldwide and manages in excess of $730 million in assets. Today, UFCU provides a vast array of financial products and services, from traditional deposit and loan products to alternative investments and financial planning services, at branches throughout Michigan, Ohio, Arkansas and North Carolina. Listed below are the cities in which branches are located:

Michigan

• St. Joseph, Buchanan, Benton Harbor, Stevensville, Berrien Springs, Niles, Cleveland, Holland North and Holland South

Ohio

• Marion West and Marion East

Arkansas

• Van Buren, Fort Smith on Jenny Lind Rd. and Forth Smith on Rogers Ave
  

North Carolina

• Statesville and Fletcher

 

Services

Savings, Investment, Loan and Mortgage Services

UFCU's dedication to providing its members with the best benefits and services possible is shown through its extensive list of saving and investment options, as well as its loan and mortgage services. Below are just some of the amazing benefits that members of UFCU can take advantage of:

• Checking - UFCU's introduction of new Interest Plus Checking with 6.01 percent APY and free nationwide ATMs, in addition to the traditional free and interest bearing checking, is changing the way its members look at checking accounts.
• Savings - UFCU provides members with the right tools to grow their savings for a more secure financial life. Savings products are available for every need, from high-interest money market accounts and share certificates to IRAs and systematic saving accounts.
• Investments - United Investment Planning offers members of UFCU tools to help them through retirement, such as access to brokerage services from people they know and trust.
• Consumer Loans - UFCU offers loans for every need:
  • Auto loans: can be fixed or variable with optional Guaranteed Auto Protection, Mechanical Breakdown Protection as well as Life and Disability Protection
  • Boat and RV loans
  • Low-cost personal loans
• VISA - UFCU VISA cards offer members outstanding choices including reward points, flexible limits, low rates and a full 25 day grace period.
• Mortgages/Equities - UFCU makes home ownership easier with fixed and adjustable rates, a dedicated mortgage center and a knowledgeable staff assisting members during every step of securing a new home. UFCU also offers home construction loans, lot loans and a full-line of equity options; including fixed-rate loans with no closing costs and lines of credit with convenient VISA access.

Budget Counseling

UFCU offers Budget Counseling services at no cost to members. This service is designed to help individuals work through existing debt problems and to prevent personal financial problems in the future. This free service offers an alternative to credit counseling and/or declaring personal bankruptcy. Below are just some of the services that UFCU's experienced budget counselor offers members:

• Implementing a workable budget
• Recommending special lending options to provide an alternative to bankruptcy
• Determining a member's current financial position
• Providing suggestions on how to improve a credit score
• Giving tips on how to get out of debt
• Warning about the pitfalls of bankruptcy

To find out more about setting up a budget, members can call UFCU toll-free at 888-200-7834, ext. 5115.

Convenient Services

UFCU's full-service, toll-free phone center can be reached at (888) 982-1400. The center can handle all types of transactions and needs and is available evenings and Saturdays. In addition to toll-free phone support, the following services are also available:

• Online Banking with FREE Bill Payment
• FREE eStatements
• FREE CuAlerts (automatic email notifications: balance, check clearing, etc.)
• FREE Telephone Teller Access
• FREE Budget Counseling
• FREE Financial Planning

Business Services

UFCU is a partner for business owners for all deposit and financing needs. The UFCU Business Services group knows how hard business owners work; therefore, UFCU works hard to give business owners the right tools to be successful, including the following:

• FREE Business Checking
• Regular Business Checking
• Business Growth Account
• Business VISA Card
• Business Loans and Real Estate Mortgages

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