Think of it as the branch that never closes. Internet banking puts you in touch with your money 24/7/365 from any computer or handheld device that has internet access. Convenient and secure, mobile banking gives you the option to never have to make that extra stop at a brick-and-mortar branch. Here are four great reasons to download UnitedOne’s mobile app:
Mobile banking has no hours of operation the way brick-and-mortar branches do. Customers can check their account, transfer money, pay bills, and more at their convenience, 24/7, wherever they are. Banking has never been easier!
With mobile banking, there’s no need to receive paper statements in the mail anymore. Not only is it better for the environment, it’s also safer, because you’re no longer having to toss away sensitive information into the trash. Win-win!
Mobile banking is safe and secure. All reputable banks and financial institutions use encryption to safeguard and protect your privacy and identity information on mobile apps. As an added safety measure, make sure you are using your banking app on a secure network to avoid having sensitive information stolen, and never access it using public Wi-Fi.
Skip the trip to the bank on payday and download your check straight from your phone. Most mobile apps offer mobile check deposit by using the camera on your phone to take photos of the front and endorsed back of the check (in addition to your signature, UnitedOne will accept “For Mobile Deposit Only” or “Mobile Deposit Only” or “Mobile Deposit” as written endorsements on the back of checks used for Mobile Deposit). With just one photo, your paycheck will be deposited into your account, with the money available shortly. Depositing checks has never been easier!
If you’re an existing member of UnitedOne Credit Union, most services are available via phone, online, or the app. There is no need to come into the bank to complete transactions. You can even apply for a loan straight from the mobile app. Get the app today!
Mortgage rates falling to record lows is information that’s been all over the internet. Like many people, you may be wondering if now is a good time to refinance your home. At UnitedOne Credit Union, we’re here to help you out. Read on to find out if now is a good time for you to refinance or not.
First, look at how long you plan on staying in your current home and evaluate your financial goals. This will play a major role in deciding if it’s a good time for you to refinance or not. Also, make sure you know your credit score. This will also have a huge impact on whether or not it makes sense for you to refinance.
Second, a good time to refinance is when mortgage rates start to fall below your current loan rate. You may want to refinance if you want to pay off that loan quicker with a shorter term. It may also make sense to refinance if you’ve gained enough equity in your home to refinance into a loan without mortgage insurance, or you’re looking to tap some of your home equity with a cash-out refinance.
Did you know that mortgage refinance rates change every single day throughout the day? Because of this, you should avoid focusing on low mortgage rates because the rate you’re quoted could be higher or lower than the rate you see online at any given time.
Your mortgage rate will depend on your credit score and the equity you have in your home. You’re more likely to receive a competitive mortgage rate if you have proof of steady income and a good credit score. A credit score that is above 700 is typically considered a good credit score.
If your credit score and payment history has improved since you received your last mortgage, you might qualify for a better interest rate on a refinance. This could help you save more each month.
If it doesn’t make sense for you to refinance now, keep working on your current mortgage payments and improving your credit score. That way when the time is right, you’re ready to strike.
Contact UnitedOne Credit Union with your mortgage home questions. Whether buying your first home or refinancing your current one, our mortgage team is here to help you choose the right mortgage product to meet your needs! Our options include fixed and adjustable-rate conventional mortgages, and government-backed options such as FHA, VA, and WHEDA.
Our Mortgage Specialists are happy to work with you and review your options to ensure you choose the program that best meets your specific needs. Give us a call today at our Manitowoc office, (920) 684-0361, or our Sheboygan office, (920) 451-8222. You can also contact us online or apply right online.
We’re here because you’re here.
Summer Spots to Visit in Wisconsin
While Wisconsin is known for its beer, cheese, and rowdy die-hard sports fans, it’s also home to some beautifully scenic landscapes. Within a short drive in any direction, you can see carved sandstone bluffs, canyons, sand dunes, magnificent shorelines, lakes, waterfalls, and more urban city life. With more people opting for staycations in 2020 than ever before, it might be the perfect opportunity to explore your own backyard. Here are some top spots to consider visiting this summer.
Cave of the Mounds
Cave of the Mounds National Natural Landmark offers self-guided tours of this beautiful geologic wonder. Spectacular crystallized rock formations and shimmering pools provide an awe-inspiring, entertaining, and educational experience for the whole family. Stay the day and visit the gift shop and extensive trails on the grounds.
Pewit’s Nest Trailhead
Pewit’s Nest is a natural gorge cut by a small stream called Skillet Creek. It is similar in many ways to the more well-known Parfrey’s Glen to the southeast of Devil’s Lake State Park. Pewits is between 30 and 40 feet deep. The walking trail leads to the mouth of the gorge as well as a lookout area on top of the cliffs. Pewits is located about 2 miles southwest of Baraboo on Country W.
Kohler-Andre State Park
With miles of sand dunes, 2.5 miles of beautiful Lake Michigan shoreline, and campsites, Kohler-Andre State Park is a gem. Show off your selfie skills! To find the selfie stand park at lot #3 at the Sanderling Nature Center. Walk north on the Boardwalk and then turn left at the first "T" intersection. Stop for a fun photo and then it on Instagram using #ScenicWisconsin. Pets are welcome in Wisconsin State Parks but they must be on a leash and under control at all times. Certain areas may be off-limits to pets. Kohler-Andre is a beautiful park that is family friendly and a great place to take a swim or go on a hike.
Door Peninsula Winery
If you’ve never been to Door County, you’re missing out! If you visit, be sure to stop into Door Peninsula Winery and stock up on your favorites! For 45 years, Door Peninsula Winery has been a mainstay of the Door County economy, producing the finest and largest selection of wines in Wisconsin. With over 55 different wines and ciders to be tasted at one of the two tasting bars, you will be able to add to this rich and flavorful history. Stop by the winery on your next visit to Door County. They’re located at 5806 Hwy. 42 in Carlsville – nine miles north of Sturgeon Bay.
Devil’s Lake State Park
Devil’s Lake State Park is located in Baraboo, Wisconsin, and is Wisconsin’s most popular state park with about 3 million visitors per year. The over 9,000-acre park anchors more than 27,000 acres of parkland and natural areas open to public recreation in Sauk County. Devil’s Lake is a great camping ground. If you’re feeling adventurous, take a hiking to the Devil’s Doorway, the infamous rock-formation that’s shaped like a door.
Lakeside Park Fond du Lac
Bring the family out for fun at Fond du Lac's 400-acre Lakeside Park, on Lake Winnebago, one of the country's largest inland lakes. There are plenty of things at Lakeside: walk-up lighthouse, picnic areas, shelters, pavilions, playground, zip line, petting zoo, ball diamonds, marina, rides, boat-launch ramps, handicapped-accessible fishing platforms, etc. There are also kayak and pedal boat rentals. The park also includes a fountain, large playground equipment area with an accessible playground, concessions, full-service marina and gazebos. Visitors can take nostalgic rides on the miniature train and enjoy the antique carousel. A great park for couples, families, and kids.
Stock up on the snacks and head out for a road trip in your own back yard this year! At UnitedOne Credit Union, we are proud to be in Wisconsin.
When you join UnitedOne Credit Union, you become a member-owner of a not-for-profit financial institution with a history of success and service that dates back 80 years. From humble beginnings in 1938, UnitedOne has grown to be one of the largest credit unions in the area serving everyone who lives and works in Manitowoc, Sheboygan, Kewaunee and Door counties.
Don’t forget to get our Mobile Banking app, that way you can have access to your accounts even on your trip. We’re here, no matter where you are.
During these unprecedented time, fraud and scams continue to occur. While scams are not new, there are new tactics that are being used to scam people. As our member, we want you to be aware of these schemes. Here are some ways you can protect yourself from fraud and scams.
Money Mule Scams
The Money Mule Scam is when someone transfers or deposits money, from an organization or another person, into an unknown or personal account, only then to transfer the funds somewhere else.
Oftentimes, the person who is being asked to be the middleman of redirecting funds is unaware that they’re a part of a larger criminal scheme. This person is known as the money mule: someone who transfers the funds on behalf of or at the direction of another.
Some scammers will approach the individual as an organization, a love interest, a company with a job offer or to offer other propositions. Sometimes they will hack into an individual’s account to do the depositing and transferring themselves.
It’s important to be aware of this new scam so you know what to look out for. Here are some key tips in keeping your personal and account information safe.
Don’t give out personal information
It’s extremely important that you never give out your personal account information to anyone. If an organization is legal and authentic, they will not ask you to deposit money and then transfer it to someone else.
By providing your personal information to someone, that gives them access to your personal finances and other confidential information. If you think someone may be trying to scam you, hang up the phone or block the person’s email.
Change Your Password Often
It’s important to change your passwords often because it helps keep out hackers and scammers. Nowadays people have their cards linked to their social media accounts, store accounts, and even Apple App store or Google Play. While keeping your card information stored is not necessarily a bad thing, it’s extremely important to keep people out of account so they can’t access your personal information. One way to do that is by changing your passwords periodically.
Here are some password tips:
Use a variety of lower case (abc) and upper case (ABC) letters
Include numbers (123) and signs (!@#)
Don’t use words that are obvious about you
We want to protect your information just as much as you do. By taking the necessary precautions will help to prevent getting scammed.
Please be aware that these scams may be increasing in the coming days and weeks. To protect yourself, DO NOT give out your personal information, account information, or debit/credit card information. If you have any questions or concerns, please do not hesitate to contact us. We’re in this together.
1. 2020Advisory on Imposter Scams and Money Mule Schemes Related to Coronavirus Disease 2019 (COVID-19), July 7, 2020, FinCEN Advisory
2. Risk Alert Watch Money Mules, July 7, 2020, CUNA Mutual Group
A Good Time to Buy a Used Car
Following the COVID-19 pandemic, the prices of used cars have declined. For instance, the wholesale prices for used cars have fallen by more than 10 percent compared to last year. The same trend is also being replicated to the retail sales of used cars. For buyers, this trend provides an opportunity to buy provided you take all the necessary precautions to avoid exposure to the coronavirus. UnitedOne Credit Union provides used auto loans to consumers based in Manitowoc, Sheboygan, Kewaunee and Door counties.
Why Prices are Falling
According to Consumer Reports Org, the prices for used cars are dropping because of reasons related to forced business closure by the COVID-19 pandemic. It resulted in an economic slowdown that affected many industries. For used-car vendors, they’ve been forced to operate in a period of reduced sales and profitability. The pandemic has hit them in the way it has affected dealers of new cars. Their inventories are piling up as their potential customers are staying at home and not making any purchases.
Apart from the normal source of used cars, many companies have been disposing of their cars, increasing the volume of used cars for sales. The tourism and travel industry has been at a near standstill in the recent past. This has forced rental car companies to unload some vehicles from their fleets to reduce expenses. Consequently, the surplus of used cars in the market has increased amidst the declining demand. There are also customers who have opted to turn in their leased vehicles, further compounding the oversupply of used cars in the market.
What Inventory Pile Up Means
When inventory piles up, it ends up being a cost on the part of the car dealer. When a car sits on the lot for a month, the dealer will have to pay it in one way or another. Since many people are now postponing their need to buy a car until the coronavirus curve flattens, car dealers are looking for creative ways to reduce the cost. Having a car sit on the lot doesn’t do any good to the dealer. Any car that sits for several months only ends up being a loss.
The bad news for car dealers is that inventory seems to be building. As more cars continue to sit in the yards, car dealers are under constant pressure to convert them to sales.
How Buyers Can Benefit
As car dealers struggle to dispose of their piling inventory, buyers can benefit from the declining prices. Consumers are at a point where they get to enjoy both the reduced prices and increased variety of available car models. Although many auto manufacturers ceased their production when the coronavirus erupted, most of them have more than a two-month supply of vehicles with their dealership lots.
As a buyer, you can take advantage of the current situations and buy used cars at better prices. The current attractive financing terms on vehicles and hot deals being offered by car dealers are the current major price drivers. Combined with decreased demand, the prices of used cars have remained consistently low during the pandemic.
What the Future Holds
The contraction of the economy is expected to continue. For consumers, this means they need to be cautious about their spending. Although buying a car is not among the priorities for many people given the current circumstances, this would be the right time for those interested in buying a car. With inventories continuing to pile up in car yards, you score a great deal by buying a used car now.
How United One Can Help
UnitedOne Credit Union provides you with auto loans that you can use to purchase used cars. As you adapt to the new norm of social distancing, this could be an ideal time to buy a car at an affordable price to help in everyday activities. Our loan services are straight forward and professional to help you access the needed financing within the shortest time possible. Our rates are affordable to help you get the car you need. For more information, get in touch with our personal loan providers who will guide you through every step of the loan process.
There’s no denying we are living in unprecedented times due to the Corona Virus (COVID-19). We’re all in the midst of uncertainty, and it seems like almost every time you listen to the news, something changes. As millions of Americans struggle with a temporary pause in their employment and the economy already seeing a drop, it has the public wondering what they can do to protect themselves and their wallet. Here are some tips to help set your mind at ease so you come out of the pandemic financially stable.
WHAT UNITEDONE IS DOING:
- We continually disinfect our lobbies and offices, including door handles, countertops, and Personal Teller Machines (PTMs) both indoors and outdoors.
- Our employees may use sanitary gloves when handling transactions as a precaution.
- Even though we are disinfecting our equipment, you may also wipe it down before using, if you like.
- We routinely conduct Business Continuity and Disaster Recovery exercises to ensure that we can maintain successful operations and member service.
Manage your finances:
- Take advantage of our PTMs, ATMs, Internet Banking, Bill Pay and Mobile Banking app—you can easily check balances, make transfers and pay bills through these free tools, without having to leave your home or come inside branch.
- If you currently do not have a Debit Card, please call us to order one. ATMs will offer 24/7 access to cash at many different locations nationwide. With our Internet Banking site, you can make transfers to and from other financial institutions as well as send money to an individual using our Person-to-Person (P2P) feature.
- With our mobile app, you can perform a variety of transactions, including mobile deposit of checks, remote bill payment and transfers. You can load your debit or credit card into Apple Pay®, Samsung Pay® or Google Pay™ and simply use the tap and go mobile wallet at accepting retailers. This can avoid having to use your card or keypads in public locations.
- Activate your E-Statements if you have not already and reduce your exposure to mail flow and related contamination risks.
- Be sure to wash your hands thoroughly with soap or sanitizer before and after any money transactions, including currency exchange or payments, card usage, and PTM/ATM transactions.
- Members can always apply for loans remotely through our website, UnitedOne.org. Most loan payments can be made online or by phone.
- With a heightened pandemic threat, comes the elevated potential of scams. If anyone contacts you purporting to be from any agency or financial institution and asks for your personal information, please be diligent and do not share any account, social security, password or other personal identification details. Hang up and call us directly at 920-684-0361 or 920-451-8222. Read more on how to identify scams here.
Maximize your savings
Whether you are still working from home or are collecting unemployment insurance, it’s more important than ever to set aside as much money as you can into your savings account. An extra cushion or emergency fund can protect you and your family should something change with your job or if you need to use it for medical expenses. Want to get rewarded for saving? If so, check out Saver’s Sweepstakes® which gives you chances to WIN money in a statewide drawing each month. Discover Saver Sweepstakes details so you can start saving – and earning chances to WIN – today! Here are some of the benefits of our easy savings account.
- Easy deposits & withdrawals in person, by phone, online and mobile
- 24/7/365 Internet Banking & Mobile Banking
- Competitive rates
- And so much more than a piggy bank
Use credit cards or debit cards, instead of cash
While you might have always been told the opposite, this is one time where using credit card or debit card is more ideal than cash. Why? Not only can credit cards and debit cards be used for online purchases which will become a necessity in the coming weeks, but cash can also increase your risk of spreading coronavirus. Learn more about debit cards here.
Keep lenders informed
If you are having trouble making payments for a student loan, your mortgage, credit cards, utilities, car payments or another loan, the worst thing you can do is ignore it. Credit card companies and lenders may be able to offer you solutions during this time, waive fees or allow you to adjust or even delay payments. When contacting your lenders, be prepared to explain:
- Your financial and employment situation
- How much you can afford to pay
- When you’re likely to be able to restart regular payments
- Be prepared to discuss your income, expenses and assets
ADDITIONAL RESOURCES AND TIPS
The following Federal websites are continuously providing updates on the current state of the Coronavirus.
- Centers for Disease Control and Prevention - www.cdc.gov
- World Health Organization – www.who.int
- OSHA – Safety and Health Topics - www.osha.gov
While it’s true we are living in uncertain times, you can take steps to help protect yourself or a loved one from the financial impact of the coronavirus. UnitedOne Credit Union is a member-owned cooperative serving Manitowoc, Sheboygan, Kewaunee and Door Counties. We continue to serve and educate our members to help them build their financial future.
For the most up-to-date information on what we’re doing during these unprecedented times, please visit this page. Feel free to also contact us with any questions by phone at 1-800-405-1575 or use our secure Contact Us form.
While there are many aids and helpful resources financial institutions and the government are providing during this time, there are also scammers taking advantage of this time to defraud individuals and businesses.
As our member, we're here for you. We want to make you aware of scams that are happening and want to help protect you from potential loss.
Here are some points to remember:
- The IRS will not call you to verify any personal or account information regarding the funds from the CARES Act (Coronavirus Aid, Relief, and Economic Security Act). For more info, learn more.
- Do not trust any unsolicited phone calls, text messages, or emails from an unknown source or institution that asks for your personal information.
- If you receive a call from anyone that you’re unsure about, hang up and call us right away. DO NOT give out your personal or account information.
- If you receive a text message or email and you’re unsure about it, contact us. Don’t respond or open anything that was sent to you.
- Be cautious of scams on social media.
Here are some tips in helping you identify a scam:
- If what they’re presenting to you is too good to be true
- If they’re asking you for personal information or account information
- If they’re creating a sense of urgency, fear or threat
- If there is a typo or incorrect spelling of a source or institution
These scammers may identify themselves as a financial institution, government-related organization, healthcare providers, charity organization, national and global health authorities, etc. Please use caution when opening emails, responding to text messages, or receiving calls from these sources.
We are aware that there is an alert scam, disguised as a financial institution, sending text messages to people. While UnitedOne does have a text message option as part of our protection program, we will not ask you to call us or ask you for your personal, account, or card information. If you want to call, please call the phone number listed on the back of your debit card. You can also call UnitedOne directly.
If you believe there may be fraud on your debit card, don’t hesitate to contact us. You can also find more information about debit card fraud here. If you’re using our Mobile App, you can freeze your debit card in the meantime until the issue is resolved.
Please be aware that these scams may be increasing in the coming days and weeks. To protect yourself, DO NOT give out your personal information, account information, or debit/credit card information. If you have any questions or concerns, please do not hesitate to contact us. We’re in this together.
Do you have a checking account? Do you have an email?
Are you getting e-statements yet?
Electronic statements (e-statements) have many benefits.
At UnitedOne, we want our service to be helpful and convenient to our members. One way we do that is by offering e-statements.
Here are a few benefits to having e-statements:
- You get notified when your statement is ready, and you can view it right away through online banking. You can also print it out and it looks identical to what you would receive in the mail. You can also choose not to print it out. This is entirely up to you.
- Identity fraud is typically higher through paper trail.
- You won’t be charged a statement fee. Many institutions now charge a paper statement fee. You can avoid this by enrolling in e-statements.
- Because e-statements are available online, you can also view it in mobile banking. That means you can view it even while you’re on vacation! You’ll always be up-to-date on what’s happening with your account.
Many members who are enrolled in e-statements have found it convenient and beneficial.
If you’re ready to make the switch, stop by one of our offices to sign-up for e-statements. If you still have other questions, stop by and talk to us about it. We’re here to help you build financial strength for your everyday.
MemberXP, a credit union member experience measurement platform, has designated UnitedOne Credit Union as one of 2020’s Best Loan Experience credit unions.
The MemberXP Best of the Best designation is awarded to credit unions that consistently provide exceptional levels of member service during a calendar year. This prestigious award is given to fewer than one in five of the high-performing credit unions using MemberXP’s service evaluation platform. A credit union cannot apply for this award. It is independently granted by MemberXP based on specific criteria including member service and ease of use.
MemberXP is a platform that allows our members to provide feedback on the service they receive from UnitedOne. Through this platform, we’re able to listen to members and improve their member experience. UnitedOne is delighted that our loan experience is one of the best among high-performing credit unions. We thank our team for providing an extraordinary experience to our members.
We’re proud to continue serving our members and our community.
We also want to remind you that while our lobbies are closed at this time and we’ve moved to drive-thru only service, you can still get a loan from us. You can apply right from the comforts of your home! Click here for the application or visit UnitedOne.org to get started.
If you have any questions or would like to talk to someone directly, we can still be reached at 920-684-0361 for Manitowoc or
920-451-8222 for Sheboygan during normal business hours.
For the most up-to-date information on what UnitedOne is doing during this outbreak, click here: https://www.unitedone.org/covid-19-update
It’s no surprise that Americans today are busier than ever. We are rushing here and there, busy and stressed from balancing work and family life, sports activities, running errands, possibly caring for older adults, not to mention the everyday chores. Children today are much more likely than not to grow up in households where both parents work. In fact, nearly half of all two-parent families today work full time, a significant increase from previous decades. This can leave families feeling short of quality time.
If this sounds familiar, the last thing you want to worry about is the added stress of managing your banking, that’s why at UnitedOne Credit Union, we put you first by offering free Kasasa® checking accounts. See why people have picked Kasasa over 2 million times.
Kasasa Checking Reward Accounts
Consumers hate fees! In fact, 93% of Millennials say no-fees banking is important when choosing an institution.* Which is why they LOVE that Kasasa checking accounts have no minimum balance or monthly maintenance fees and offer refunds on ATM withdrawal fees. Here are the 3 different checking account options:
- Kasasa Cash® is a free checking that offers an eye-catching yield on balances and you only have to do basic banking activities you’re already doing to qualify every month. Learn more about Kasasa Cash here.
- Kasasa Cash Back® is a free checking that pays you back with cash back on debit card purchases! Who doesn’t like cash back right? Learn more about it here.
- Kasasa Tunes® is yet another free checking that refunds you for online purchases you make from certain digital platforms. Read all about it here!
Checking That Cares
Kasasa is all about putting the benefits where they belong, in your pocket with FREE checking!
- Cash rewards every month that earns 34x more than average accounts.
- No monthly maintenance fees EVER.
- Refunds on ATM withdrawal fees nationwide.
At UnitedOne Credit Union, we aim to offer you financial solutions that fit your unique lifestyle and goals. That is why we are now offering Free Kasasa Checking. Stop in to talk to an MSR today or visit UnitedOne.org to find the Kasasa checking account that's right for you.
At UnitedOne, our mission is to help you build financial strength for your everyday life…together. This doesn’t only include you but also your kids.
It’s never too early to teach kids financial responsibility. Something people like to teach kids is the importance of saving. One way to get kids started is by opening a savings account.
We offer different savings accounts depending on your financial goals. Whether your goal is to simply provide an opportunity for your child to learn more about savings or to start a college savings fund, we are here to help you.
We know that your goals are unique to you, which is why we offer different options with your best interest in mind. Want to open a savings for your newborn or 9 year-old child? We have something for you. Our Mates Club is a savings account for kid ages 0 (newborn) to 11 (eleven).
Your teenage daughter just got her first paycheck? Check out our eXTreme Fundz Savings account.
Whether your child is nine or just getting their first paycheck, UnitedOne credit union can help. Talk to one of our Member Service Representative today to see all the available options for you.
You can find more information about our different savings account options here.
Mobile Banking and You!
Everyone has heard of internet banking, and mostly everyone has heard of mobile banking. In my few years of having my own account, I’ve really come to lean on mobile banking. It’s easy to use and more helpful than I imagined.
Mobile banking comes with boatloads of features:
Now there is a ton of good stuff here on the mobile app and believe it or not these aren’t even all the features! Most of them are fairly self-explanatory, but if you would like to learn more about the functions, you can learn more from our Mobile Banking FAQ Page.
At UnitedOne Credit Union, We’re Here Because You’re Here – and so is our app! With the mobile app, we can be in your pocket, 24/7, 365 days a year. If you’re interested in the mobile app and you don’t know where to start, just stop in at any of our convenient offices. There will always be someone willing to help you. Remember when it comes to your finances there are NO bad questions. As always, we’re here because you’re here!
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