SmartOne Financial Wellness Blog
Recommended Financial Education Articles
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- Common Mistakes to Watch for While Balancing a Checking Account
- Tips for Keeping Your Account Safe Online
- 7 Ways to Protect Your Credit Score
- How to Budget for a Car
- Building Credit through Your Local Credit Union
- Set Yourself Up for Financial Success
- It's a Great Time to Review your Finances
- Benefits of E-Statements
Latest Blog Articles
Everyone likes to get a good deal.
While there are plenty of great sales available online from reputable retailers, there are also many scammers out there offering bogus ones to try to steal your personal information and money.
If you come across any offer online that seems too good to be true, that should be your first red flag to a possible scam.
Discover six more tips to help you avoid becoming a victim of an online shopping scam.
Tip 1: You can’t pay with a credit card or a secured payment service
The seller doesn’t offer a payment method through a credit card or a secured payment service, like PayPal. Instead, they only ask for payments through a money order, pre-loaded money card, or a wire transfer. This should be an indicator not to buy from this source.
Tip 2: Use caution when following links
Always give links a healthy amount of suspicion before you click on anything. If you don’t see “https” and a closed padlock symbol at the start of a URL, you shouldn’t enter payment information because the website isn’t secure.
Tip 3: Beware of phishing
Phishing is a fraudulent practice where a hacker sends a message designed to trick a person into revealing sensitive information. Scammers often use this technique to disguise emails or text messages that look like they come from legitimate and well-known businesses with the hopes of finding victims that will send them personal information. If you notice misspelled words or if you feel something is off in a message, like the email address its from, contact the retailer through a phone number that you know is legitimate to check about the message.
Tip 4: Do your research first
If you see a great offer from a retailer you never heard of before, do some research to determine if it’s from a legitimate retailer. Check other online sources to see if they have things like a physical address, phone number, customer reviews, and a refund or return policy listed. If these things are missing or seem fabricated, the offer probably isn’t real, either.
Tip 5: Make sure your device is secure
Whatever device you use, make sure you have all of the latest updates downloaded and installed on it first before you start online shopping. If you avoid making updates to your device then you run a higher risk of becoming a victim to a new scam. It’s also a good practice to make sure your internet connection is secure and private as well.
Tip 6: Subscribe to Alerts in Digital Banking
Add Alerts to your UnitedOne Digital Banking account and you'll receive personalized notifications to your mobile device and/or email, like any time a withdrawal is made. This is a great way to track your account activity and help you notice any possible fraudulent activity with your account. To learn more about Alerts, watch this video and visit the Digital Banking page of our website.
Tips for Spotting Fraud with Your UnitedOne Account
Keeping our members’ accounts secure is a top priority at UnitedOne Credit Union. Whether you are offline or online, please be vigilant with your account information at all times and the devices you access it on as well.
As technology changes and advances, so do the methods used by scammers and hackers to try to obtain and compromise your information. Individuals attempting to commit fraud may try to trick you by claiming to be someone they are not, including sending emails and texts or making phone calls from addresses and phone numbers that look legitimate.
If you are ever feel like somebody is posing wrongfully as a UnitedOne Credit Union employee, or if you suspect your financial safety has been compromised, please contact us immediately by calling (920) 684-0361 or (920) 451-8222.
Taking note of the ways UnitedOne and our partners will and won’t contact you can help you spot fraud and keep your account secure.
- UnitedOne will never call, email or contact you asking for your member ID, account number or Digital Banking password.
- UnitedOne will never contact you asking for your credit card or debit card number, PIN, or security code.
- To ensure UnitedOne employees are helping the correct member they may ask you questions that only you would be able to answer, like where did you use your card last or where does your direct deposit come from. These questions are for your protection.
- Neither our debit card nor our credit card provider will initiate contact by email regarding a problem with your card.
- As a UnitedOne debit card holder, you get the added protection to have fraud monitoring on your card. Our Visa Fraud Department may notify you if it notices any unusual transactions with your card. They may call or text to question if a transaction was authorized by you. If the answer is no, your card is shut down immediately. Your card may not work properly until confirmation of the transactions in question is received.
About UnitedOne
UnitedOne Credit Union has branches in Manitowoc and Sheboygan, and is open to everyone living or working in Manitowoc, Sheboygan, Kewaunee and Door counties. The credit union serves consumers and small to mid-sized businesses.
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 dating back more than 80 years. Our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today. We embrace a successful and straightforward member-owned cooperative mission: meet the financial needs of our members by empowering them with the knowledge to make informed financial decisions. That's the UnitedOne difference.
To learn more about our services, contact us today! You can book an appointment online to see a Member Service Representative or Mortgage Specialist. You can also call us at 920-684-0361 or 920-451-8222.


There is no one-size-fits-all mortgage product. Navigating the mortgage market can be overwhelming, with a multitude of financing options available to homebuyers.
Luckily for you the Local Home Loan Experts at UnitedOne Credit Union can provide guidance and help you choose the perfect mortgage type that suits your unique needs and financial situation.
“We look for that best one that fits your specific needs,” said UnitedOne Mortgage Specialist Linda Serrano, NMLS # 441416.
Make an appointment today to discuss your home loan options. You can also listen to UnitedOne’s Local Home Loan Experts go over the different mortgage products available and the benefits of each in the latest edition of their podcast, At Home on the Lakeshore.
“It’s OK to ask for different options,” said UnitedOne Mortgage Specialist Julie Peot, NMLS # 441412. “When we sit down with people, we can present two, three, four different options to you at one time.”
1. Conventional Fixed-Rate Mortgage
The interest rate remains constant over the life of the loan, typically 15, 20 or 30 years. This provides predictability for homeowners as their monthly payments remain consistent. Conventional loans often require a good credit score and a down payment. It’s an excellent choice for those seeking long-term ownership and financial stability.
“Most of the time these get sold on the secondary market, meaning we do all the work initially (at UnitedOne) but the loan itself gets sold to another service company and then your payment is made to that company,” UnitedOne Mortgage Specialist Julie Peot said.
2. ARM (Adjustable-Rate Mortgage)
This loan offers a lower initial interest rate than a fix-rate mortgage. However, the interest rate can fluctuate periodically based on a specific benchmark. This makes ARMs more suitable for people planning to stay in their homes for a relatively short period.
“ARMs can be 5/1, 7/1, 10/1. That first number, that’s how long the rate is locked in for and then, for example, after the five years it’s subject to change annually or every year after. These mortgages stay here at the credit union. We’re here to help from start to finish,” UnitedOne Mortgage Specialist Julie Peot said.
3. WHEDA (Wisconsin Housing and Economic Development Authority)
It’s a unique mortgage program for Wisconsin residents only. WHEDA provides low and moderate-income borrowers an affordable financing options with competitive interest rates, flexible down payment requirements, and both fixed-rate and adjustable-rate options.
“It's geared for the first-time homebuyer, but you don’t have to be a first-time homebuyer anymore. We can actually get you into a WHEDA product, but you can only have one WHEDA product at a time and you have to live in the home. So, if you’re planning on moving out and renting it out, you will have to get out of that loan in order to rent it out,” UnitedOne Mortgage Specialist Linda Serrano said.
4. VA (Veterans Affairs)
VA loans are available to eligible veterans, active-duty service members, and certain members of the National Guard and Reserves. These mortgages are backed by the U.S. Department of Veterans Affairs, offering several benefits such as low or no down payment requirements, competitive interest rates, and no private mortgage insurance (PMI).
5. FHA (Federal Housing Administration)
It’s a government-backed initiative designed to assist low and moderate-income borrowers. FHA loans require a lower down payment and have less stringent credit requirements compared to conventional loans. However, borrowers are required to pay mortgage insurance premiums, which increases the overall cost of the loan.
“Sometimes credit might be a challenge, and FHA offers some really good products for not the perfect file because of course not everybody has the perfect file, but we have financing for all these types of files,” UnitedOne Mortgage Specialist Julie Peot said.
6. USDA (United States Department of Agriculture)
These are aimed at homebuyers in rural or less densely populated areas. These mortgages offer 100% financing, meaning no down payment is required. USDA loans also have competitive interest rates and low mortgage insurance premiums. To be eligible, borrowers must meet specific income and property location criteria.
“We can plug in an address and determine if it qualifies,” UnitedOne Mortgage Specialist Linda Serrano said.
7. Construction Loans
A Constrution Loan is ideal for those looking to build their dream home or do a large remodel of their current house. Unlike traditional mortgages, these loans are short-term and designed to cover the cost of construction. Once construction is complete, it becomes a permanent mortgage.
“There is a one-time close that can save you thousands of dollars in costs,” UnitedOne Mortgage Specialist Linda Serrano said.
Selecting the right mortgage product depends on your financial situation, goals, and the property you wish to purchase. It’s crucial to assess your credit score, income, and the size of your down payment to determine which option is best for you.
Consulting with one of UnitedOne’s Local Home Loan Experts will provide you with further guidance and help you choose the perfect mortgage product that suits your needs and financial situation best.
Local Home Loans Local Experts
10 Year Fixed - Home Equity Loan
Apply Now Book Appointment Mortgage Center Log In Email Mortgage Team
Listen to more episodes of At Home on the Lakeshore


We are fast approaching the most wonderful time of the year and while it is great to be able to spend additional time with family, shower your kids with presents, and see old friends, it is also a time when many of us fall behind on our budget. Not only is holiday season a time when we spend a little too much on gift giving, we are also leaving ourselves open for unforeseen end-of-year expenses like home or car repairs. If you’re looking to take control of your finances and budget during this holiday season, UnitedOne Credit Union’s got you covered with our Holiday Loan*.
While we did not get a gift from Federal Reserve this year in terms of rates, UnitedOne Credit Union offers APR* as low as 9.990% with monthly payments as low as $90.92 per $1,000. The interest rate may be higher compared to the previous seasons, however, this provides UnitedOne members with a huge advantage over credit cards which are now over 20% interest rates this holiday season and are set to reach 30% by the end of it!
Our holiday loan is not the only option that is offered by UnitedOne Credit Union, you can make this holiday season brighter with our checking account rewards. Each swipe with the UnitedOne Visa® Debit Card gets you a chance to WIN**! You can also use your UnitedOne Visa Debit Card to set your weekly grocery pick-ups and recurring monthly payments on auto pilot so you have more time to holiday your way! Not only that, your UnitedOne debit card can be used every step of the way for gas station fill-ups, last-minute gifts, and more!
Enjoy this holiday season with family and friends by taking advantage of holiday options from UnitedOne Credit Union. Local people, Local Loans is our motto and if you are located in Manitowoc, Sheboygan, Kewaunee, and Door Counties get in touch with our friendly team of professionals to help you get the great loan in time and get your shopping done for the holidays!
*APR = Annual Percentage Rate. Your rate will vary based on your creditworthiness; rate stated is for borrowers with excellent credit. Stated rate includes minimum $100 new funds advanced, active UOCU checking account, net direct deposit, and automatic payments. Monthly payments per $1,000 borrowed include optional debt protection. Minimum loan is $100 and maximum term is 12 months. No other discounts apply and refinancing of existing UnitedOne loans not eligible. Other rates and terms available, please contact loans@UnitedOne.org for details. Normal credit standards apply. Offer subject to change at any time without notice.
**Our UnitedOne Credit Union Making Seasons Bright $100 winners will be drawn at ten (10) different points throughout the sweepstakes to WIN a prize. No purchase necessary. For complete Making Seasons Bright sweepstakes rules learn more.


Congratulations, you’re ready to make one of the biggest purchases of your life by buying a home. For most people, the exciting process of obtaining the keys to your own house starts with applying for a home loan.
While it can seem like a daunting task to a first-time homebuyer, applying for a home loan doesn’t have to be scary. Your Local Home Loan Experts at UnitedOne Credit Union are here to help you through every step and answer all of your questions.
Listen to UnitedOne’s Mortgage Specialists discuss this topic in the latest episode of their podcast, At Home on the Lakeshore.
Below are some insights from your Local Home Loan Experts to give you an idea of what to expect when applying for a home loan.
“The best thing to do is to get pre-approved to start with,” said UnitedOne Mortgage Specialist Kari Johnsrud, NMLS # 441414. “It’s always good to talk with someone before you start looking at houses to see what you can afford, and we can run you through that process and get you a pre-approval letter.”
Be prepared to submit these items when applying for a home loan:
- A current photo ID
- Current pay stubs
- Your W2's and tax returns for the past two years
- Bank statements for the past two months
- Investment account statements for the past two months
- Retirement account statements for the past two months
The main thing potential homebuyers should have, however, is patience because the process of buying a home takes time.
The average home loan will take about 30-45 days, from putting in an offer to closing, according to Johnsrud. The length depends on the type of loan being done and if elements like an appraisal or inspection are being completed as well.
“There are going to be so many questions and you might feel like, ‘Oh my gosh. This person wants to know everything about me,’ said UnitedOne Mortgage Specialist Linda Serrano, # 441416. “It’s not that we are prying because we’re not, but it’s what is being asked for on the mortgage. A mortgage is a very highly regulated product, and we have to know all of these things to be able to get you what you really want.”
It’s crucial to assess your financial situation before applying for a home loan. Reviewing your credit report is a good thing to do because a higher credit score typically leads to better loan terms.
Your Local Home Loan Experts at UnitedOne will go over your credit report when you apply for a home loan, as your credit report from the three major bureaus will be pulled to (TransUnion®, Experian®, and Equifax®) to help determine your debt-to-income ratio.
“Sometimes we’re making you aware of things that are on your credit report. We go through it line by line,” said UnitedOne Mortgage Specialist Julie Peot, # 441412.
“I always tell new buyers, we love paper. Even though we’re in an electronic world, a more and more paperless world. We love paper. We’re going ask for a paper trail on everything.”
Having documentation of large deposits and transactions is essential when applying for a home loan. It’s also vital to communicate any potential changes that could affect your debt-to-income ratio before closing. It’s best to avoid any new debts during the home loan process, like buying a car or applying for a credit card.
“If there are any large deposits, we have to paper trail where that money came from,” Johnsrud said. “So, if you sell a motorcycle, keep a paper trail of the process, like a signed bill of sale or a copy of the check, things like that, so we can show the underwriter that’s where the money came from.
“If you are going to change jobs let us know. We get surprises more often than you’d think.
We do verification of employment within 10 days of closing, and you wouldn’t think it would matter sometimes if you are just going from one job to another. But keep in mind the underwriter is going to want to see at least one full pay stub from that new job usually before we can sign papers. Let us know about everything no matter how small you think it is.”
Remember, your Local Home Loan Experts are here to walk you through each step of the home loan process, including helping you decide on the right mortgage product to fit your needs.
Even if you don’t feel like buying a home is something that is in the cards for you right now, UnitedOne’s Mortgage Specialists can walk you through the steps you need to take to improve your credit score so you can obtain the home loan you want in the future. Taking that first step doesn’t have to be scary.
“You as the consumer, you don’t know what you don’t know,” Serrano said. “That’s really what I tell the membership when they come in to see me. They are like I don’t know if I can get approved. I always say you don’t know what you don’t know until we take the application and go through the whole process.”
Local Home Loans Local Experts
10 Year Fixed - Home Equity Loan
Apply Now Book Appointment Mortgage Center Log In Email Mortgage Team
Listen to more episodes of At Home on the Lakeshore


October is the scary time of the year all around, from Halloween costumes and decorations, to scary movies on TV, and this year many financial institutions are joining in. This comes in the form of banks being more secretive about rates. Loan rates are not the only thing that banks are not being transparent about as there are also many hidden fees that come with opening a checking or savings account. These hidden fees may end up being a bigger surprise than a twist in the M. Night Shyamalan film. This is not something that you will see at UnitedOne, it is our goal for you to keep as much of your money in your pocket as possible.
Unlike banks, UnitedOne Credit Union is transparent about loan rates and goes even further by helping our members to avoid hidden fees. If you’re interested in opening a savings account, you can get started with your savings plan at UnitedOne as well and view comparison between savings rates on our site as well. Below are examples of different types of hidden feels you may encounter with banks:
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Out-of-network ATM fees
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Insufficient fund fees
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Paper statement fees
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Wire transfer fees
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Account closing fees
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Lost card fees
Don’t be shackled by fears of hidden fees and make a purchase of your dreams with UnitedOne:
Vehicle Loans. UnitedOne offers secured loans for cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, RVs, boats, and personal watercraft. Get your brand new vehicle in time for harsh Wisconsin winter and feel safer on the road!
Mortgage Loans. Whether you’re looking to purchase a brand new home or use existing home equity to remodel your house, UnitedOne is the right place for you. With an affordable home equity loan you can design the perfect kitchen, create a relaxing outdoor space, or reduce your energy bills with energy-efficient upgrades.
Avoid predatory lending practices and hidden fees by becoming a member at UnitedOne Credit Union if you live in Manitowoc, Sheboygan, Kewaunee, and Door Counties. At UnitedOne Credit Union, we understand where you’re coming from. We’ve been where you are now, we’ve helped others in similar situations, and we can help you too! We are your personal loan providers for Sheboygan, Manitowoc, and surrounding communities. Our wide range of local loan services cover the needs and lifestyles of local people, just like you. If you are looking for a friendly and professional personal loan service to help you move your life forward, get in touch with our team of personal money lenders.


Much like the storied histories of our beloved football teams, UnitedOne has been a pillar of strength and support since 1938, growing steadily to become one of the largest credit unions in our region. Our roots are deep, reflecting the resilience, dedication, and passion that are hallmarks of a great football season. Join us as we continue this journey of empowering members with knowledge and resources to make informed and strong financial decisions.
As the football season starts, teams come together with a common goal: victory. Similarly, when you join the UnitedOne family, you're not just a member; you're an owner, a vital part of a cooperative that works tirelessly to meet your financial needs with unparalleled personal service. This season let's celebrate the spirit of community and collaboration, both on the field and in your financial journey.
Community Engagement: The UnitedOne Spirit
Just as our teams fight for every yard on the football field, UnitedOne is passionate about making strides in our communities. Through active partnerships and sponsorships with organizations like the United Way, we channel the same enthusiasm and dedication into supporting causes close to our hearts, fostering a spirit of community upliftment and solidarity.
Your Chance to Play a Direct Role
Become a part of a cooperative where your voice matters. At UnitedOne, we are governed by a volunteer Board of Directors composed of members just like you. As we gear up for the excitement of the football season, remember that being a member of UnitedOne gives you the power to be a part of the decision-making process, shaping the direction and vision of your credit union.
As we revel in the joys of the upcoming football season, we invite you to make a winning move with UnitedOne Credit Union. Come, be a part of a legacy of strength, stability, and service. Together, let's create a season of financial victories and community growth.
Join the UnitedOne family today, because here, we're not just fans of football, we're fans of you.
UnitedOne Credit Union is a full-service financial institution serving everyone living or working in Manitowoc, Sheboygan, Kewaunee, and Door counties. The credit union serves consumers and small to mid-sized businesses. For more information, visit www.UnitedOne.org. Federally insured by NCUA.
Good Luck to Our Local High School Football Teams!
Manitowoc County
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Kiel
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Manitowoc Lincoln
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Manitowoc Lutheran
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Manitowoc Roncalli
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Mishicot
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Reedsville
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Two Rivers
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Valders
Sheboygan County
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Cedar Grove-Belgium
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Elkhart Lake-Glenbeulah
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Howards Grove
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Kohler/Sheb. Lutheran/Christian
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Oostburg
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Plymouth
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Random Lake
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Sheboygan North
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Sheboygan South
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Sheboygan Falls
Kewaunee County
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Algoma
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Kewaunee
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Luxemburg-Casco
Door County
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Gibraltar
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Sevastopol
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Southern Door
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Sturgeon Bay


Owning a home gives you more than just a roof over your head. It’s also an investment that can offer you financial opportunities to assist with other life expenses by using the equity in your home.
UnitedOne Credit Union’s team of Local Home Loan Experts discuss home equity loans in their new podcast. Listen to it now and find out how you can name the show and win a $50 gift card!*
Meanwhile, here is a quick overview about home equity loans and insights from our Local Home Loan Experts in Manitowoc and Sheboygan.
What is a Home Equity Loan?
A home equity loan is a type of loan that allows homeowners to borrow against the equity they've built up in their property. Equity refers to the portion of the home's value that you own outright, minus any outstanding mortgage balance.
Home equity loans are secured loans, meaning your property serves as collateral for the loan. Because of this, they typically come with lower interest rates compared to unsecured loans, such as personal loans or credit cards.
“In this market it can sometimes be hard to sell your home and buy another one when you’re at such a nice, low interest rate on your first mortgage, and when you buy a house maybe rates are a lot higher right now,” said UnitedOne Mortgage Specialist Kari Johnsrud, NMLS # 441414. “So, what I’ve been seeing a lot of is people doing home improvements or additions to take their existing home and make it what they really want and what they need right now.”
Calculating Home Equity
To understand how much equity you have in your home, you need to calculate it.
The formula is straightforward: Home Equity = Current Market Value of Home - Outstanding Mortgage Balance
For example, if your home is currently valued at $400,000 and you have an outstanding mortgage balance of $250,000, your equity would be $150,000. As you continue to make mortgage payments and your property value increases, your equity grows.
Uses of a Home Equity Loan
Home equity loans can be used to cover costs for home improvement projects. However, it can also be used for other expenses not relating to your house, like debt consolidation, a vacation, college, emergency expenses or a wedding.
“A lot of times people don’t always know what (they can) use a home equity loan for,” said UnitedOne Mortgage Specialist Julie Peot, NMLS # 441412. “It’s pretty endless. It’s as simple as if you need to update some electrical, plumbing or need that new roof. It doesn’t have to be major remodel jobs. It can be very small. Maybe it’s starting with the garage or concrete work. We’re here to discuss any dollar amount. There is no minimum and maximum depends on that equity.”
It can also be used to invest in other property or leisure items.
“I’ve had people use some home equity to buy their dream land up North,” said UnitedOne Mortgage Specialist Linda Serrano, NMLS # 441416. “They want hunting land, or they just want to be able to have that cabin up North, and people have used the equity in their home to buy that.”
Being Prepared & Patience Key
Although there can be great excitement envisioning what you’ll use the equity in your home for, it’s important to plan ahead and be patient during the process of applying for a home equity loan. Please be aware of the different documents you’ll need before starting your application.
“A mortgage is not the same as a consumer loan where you can apply today and close on it tomorrow,” Serrano said. “We just want to give you a heads up that it does take us longer to get a loan because of compliance. … You just have to be prepared and know that the process on a mortgage is a longer process.”
A home equity loan can be a powerful financial tool for homeowners seeking to leverage their property's value for various purposes. However, like any financial decision, it's important to thoroughly understand the terms, risks, and potential benefits before proceeding.
Consulting with UnitedOne's Local Home Loan Experts can help you make an informed choice that aligns with your goals and circumstances.
Local Home Loans Local Experts
10 Year Fixed - Home Equity Loan
Apply Now Book Appointment Mortgage Center Log In Email Mortgage Team
* Official Rules for "Name the Home Loans Podcast" Sweepstakes


UnitedOne Credit Union has been named the seventh “Best Credit Union to Work For” in the nation by American Banker.
With locations in Manitowoc and Sheboygan, UnitedOne is the highest ranked credit union from Wisconsin in this year’s rankings, which recognizes 70 credit unions across the U.S. ranging in sizes as small as 22 employees to as large as 3,200 staff members. UnitedOne also ranks second amongst credit unions with asset sizes between $200-$500 million.
“All of us at UnitedOne Credit Union are honored to receive this recognition,” UnitedOne CEO Kim Rooney said. “Our Leadership Team, along with our Board of Directors, work together to create a culture focused on our employees and helping them succeed. In turn, they can create wonderful experiences for the reason we exist – our members.”
UnitedOne is a not-for-profit financial institution founded 85 years ago with a vision and mission of improving the communities it serves. It invests locally through volunteerism, financial education and support, and collaboration with groups and organizations with shared commitment to the betterment of the communities it serves. UnitedOne has more than 90 employees.
American Banker’s rankings are compiled using the results from two different surveys. The first survey examines employee satisfaction, while the second evaluates the benefits and policies of each credit union.
UnitedOne’s strong community ties, competitive pay, and progressive benefits, including pet bereavement and grandparent bonding leave, create an initial appeal for many job seekers. Its inclusive onboarding program, flexible scheduling, remote options, and personalized support lay the foundation for new employee satisfaction. Meanwhile, continuing education and shadowing opportunities for vertical movement and field specialization move the needle from job to career.
Of the 51% of UnitedOne employees with five years of service or more, 60% include millennials that applied for a job and stayed for a career. In an evolving employment landscape, engagement, growth, and loyalty are bolstered through company commitment to staff well-being, celebrating strengths, full transparency such as monthly open question and answer sessions, and continuous improvement.
UnitedOne Credit Union is a full-service financial institution serving everyone living or working in Manitowoc, Sheboygan, Kewaunee and Door counties. The credit union serves consumers and small to mid-sized businesses. For more information, visit www.UnitedOne.org. Federally insured by NCUA.


Going back to school after a summer break is a fun time when you’re in college. You’re eager to see your friends, resume your education, go to parties around campus, and support your alma mater on the field. However, coming back to school also comes with daily and monthly expenses that can put a strain on your wallet and leave you in unnecessary debt. The topic of student loans is constantly in the news as the student loan debt has gone up on an almost yearly basis reaching an estimated $30,560 per student at graduation in 2023 with a total of $1.78 trillion owed by student loan borrowers in the United States. Student loans are not the only thing you’ll have to worry about when it comes to college life, there are also monthly and daily expenses including room and board, groceries, transportation, medical expenses, school supplies, and energy bills.
It is very tempting to splurge on sporting events, going out with your friends, or throwing a party. Unfortunately, each of these options might leave you in a state of shock the next morning as you look at your bank accounts. So what are some things to keep in mind as you get ready to go back to school? Here are the top 3 pitfalls to avoid:
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Not having a budget. While many students work part-time to cover some of their expenses, there is a good chance that your cash-flow won’t cover your spending especially if you’re responsible for your living expenses. Make sure to track your income and spending while trying to save a small amount each month. Not only will this train your financial discipline, it will also save you from unnecessary loans and credit card debts.
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Lack of emergency expenses. Emergency expenses like medical bills or car repair costs can sneak up on you and take a sizable chunk out of your monthly budget, however, these are not expenses that most plan for when they are in college. Don’t make this mistake, you’re not invincible! It is best to prepare to plan for these expenses or you can plan to fail when it comes to staying within your budget.
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Impulsive buying and excessive reliance on credit cards. This is the case of one mistake leading to another. It is very easy to fall into the trap of thinking you need something you want and end up going over budget to acquire the object of your desires. Impulse purchases can lead to excessive credit card use and leave you with unwanted credit card debt while you’re still in college. While a lot of college students rely on credit cards to build credit, there is still $3,280 credit card debt that students face on average. Of course, if you’re looking to build your credit, UnitedOne got you covered with our Max Cash Secured card and other savings secured credit card options as well as non-secured College Real Rewards.
If you’re going back to school in the fall or heading off to college for the first time, UnitedOne Credit Union can help you with choosing the right student loan and providing you with tools that will help you make good financial decisions while pursuing your education and career aspirations. We work with ISL Education Lending to offer private loans to help you pay for college as well as refinance existing student loans. ISL Education Lending is a nonprofit organization with decades of student loan experience offering lower-priced loans.* ISL education lending offers loans for college students, A loan option for parents and family members who wish to borrow on behalf of a college student, and multiple student loan refinance options. In addition, they offer multiple scholarship opportunities and free college planning tools to help students and families avoid overborrowing and plan smart for life during and after college.
To learn more about our services or how to become a member, visit our website, schedule an appointment, or call us at 920-684-0361 or 920-451-8222.
*UnitedOne Credit Union is compensated by ISL Education Lending for the referral of student loan customers.


It’s been said there are five characteristics that fuel the entrepreneurial spirit: Planning, Passion, Patience, Perseverance, and Problem-Solving. If you’ve already started your own business, you’re nodding your head right now. Many small businesses begin with problem-solving – how can I make this product better, make this task easier, fill this need for my community?
Whether your small business was this year’s resolution or culmination of years of planning, patience, and perseverance, the mid-way point of the year is a great time to take a step back and
- Revisit your business goals
- Check in with your business and personal teams
- Review your business finances
Would upgrading or changing technology and tools help your employees work more productively? Are year-to-date expenses in line? Could you use an extra set of eyes to help identify adjustments to strengthen your financial position? Taking time at the midpoint of the year to reevaluate and access key areas of your business can set you up for a strong finish to the year.
Luckily, no matter where you live and work, there are always community resource partners happy to help! From planning to problem-solving, your local Chamber of Commerce, Economic Development Corporation, and your local community credit union are here every step of the way.
In the Manitowoc, Sheboygan, and surrounding areas, UnitedOne Credit Union has been helping local entrepreneurs and organization leaders make their mark while making our communities a better place to live and work. From startup through growth and expansion, we're here because you're here – with a variety of services and solutions on hand to help you meet and exceed your small business goals and dreams.
Looking for tips to help you reduce costs, manage funds more efficiently, and finish out the year strong? Let us help you realize your small business potential - contact Lindsay or Nellie of UnitedOne Credit Union’s Business Services Team today!
UnitedOne Credit Union has branches in Manitowoc and Sheboygan, and is open to everyone living or working in Manitowoc, Sheboygan, Kewaunee and Door counties. The credit union serves consumers and small to mid-sized businesses and organizations. For more information, visit www.unitedone.org.
“Shop Local" is a slogan that we are all well familiar with. Local businesses rely on community support to grow and pay their employees. In turn, those businesses use their profits to improve their community in a variety of different ways by creating jobs, donating to local charities, helping with public infrastructure, and investing in the community socially and economically. However, this is not limited to shopping locally. Did you know that you can support your community by getting your loans from your local loan provider? If you live in Manitowoc, Sheboygan, or surrounding areas, UnitedOne Credit Union should be at the top of your list.
At UnitedOne Credit Union, we are member-centric. We’ve been where you are now, we’ve helped others in similar situations, and we can help you too! We provide our credit union members with a wide range of loan services to cover their needs and lifestyle. If you are looking for a friendly and professional personal loan service to help you move your life forward, get in touch with our team of personal money lenders today.
Local Communities
Not only does UnitedOne provide loan services to cover your needs but we invest in our local communities as well. We do so in a variety of ways including through volunteerism, financial support, fundraising and creating public awareness of organizations and groups that make a meaningful contribution to the betterment of our communities.
Vehicle Loans
If you’re looking for a car loan to purchase a vehicle of your dreams then consider going local with UnitedOne for financing. Cars are a necessity in our lives, ones that come bearing a high price tag. The reality is that most of us can’t just write a check for a new vehicle and therefore must seek financing options. To finance your new car through a financial institution like UnitedOne Credit Union gives you as the borrower far more flexibility. Not only are the interest rates competitive, but you can extend your financing much farther to make monthly payments smaller.
Don’t forget that it is important to consider what works for you as the borrower. You need to select an option where your monthly payments are manageable and don’t put you in a position where your cash flow suffers. This is why financing with UnitedOne will not only help you to acquire the vehicle of your dreams but it will also put your financial mind at ease.
Join UnitedOne
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 dating back to 1938. No one works harder to provide you and your family with first-class financial services delivered through outstanding personal service. That's the UnitedOne difference and how our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today.
To learn more about our services or how to become a member, visit our website, schedule an appointment, or call us at 920-684-0361 or 920-451-8222.


As the summer season approaches, many of us are eager to embark on exciting travel adventures, both domestically and abroad. However, proper financial planning is crucial to ensure a smooth and worry-free experience. In this blog, we'll explore valuable tips for summer travel planning, focusing on both domestic and international destinations. We'll also highlight the benefits of using the UnitedOne Credit Union Visa® Debit Card, including its convenience and security features, making it an ideal companion for your travel endeavors.
Maximizing Your International Travel Experience
International travel requires additional considerations, especially when it comes to financial planning. Informing your financial institution about your travel plans is crucial. This step helps ensure that your transactions abroad are not flagged as suspicious, preventing any inconvenience. Additionally, familiarize yourself with currency exchange rates and consider carrying a combination of cash and a secure travel card, like the UnitedOne Credit Union Visa® Debit Card, to facilitate your spending while minimizing the risk of carrying large amounts of cash.
Financial Planning for Domestic Travel
When planning a domestic trip, it's essential to establish a budget and consider various financial aspects. Start by researching and comparing prices for transportation, accommodation, and activities to find the best deals. UnitedOne Credit Union offers a range of financial services, including savings accounts and budgeting tools, to help you plan and manage your funds effectively. Additionally, investigate travel insurance options to protect yourself from unexpected expenses while planning for domestic travel.
Benefits of UnitedOne Credit Union Visa® Debit Card for Travel
The UnitedOne Credit Union Visa® Debit Card offers several advantages for travelers. It provides convenience and acceptance worldwide, allowing you to make purchases and access cash at ATMs wherever you go. With its chip technology and secure encryption, the card offers enhanced protection against fraudulent activity, giving you peace of mind during your travels. Furthermore, the UnitedOne Credit Union Mobile App enables you to conveniently manage your card and monitor your account while on the go.
Additional Travel Tips
a. Notify UnitedOne Credit Union: Before embarking on any international trip, notify UnitedOne Credit Union about your travel plans. This step ensures that your card remains active and prevents any disruptions in accessing your funds.
b. Research International Transaction Fees: Understand the fees associated with international transactions to avoid any surprises. UnitedOne Credit Union provides transparent and competitive rates, allowing you to plan your expenses accordingly.
c. Keep Emergency Contacts Handy: Save important contact numbers, such as UnitedOne Credit Union's customer service and card support, in your phone or travel documents in case you need assistance while abroad.
d. Stay Vigilant with Security: Be cautious with your personal and financial information while traveling. Avoid using public Wi-Fi networks for sensitive transactions and regularly monitor your account activity through the UnitedOne Credit Union Mobile App.
Summer travel planning, whether domestic or international, requires careful financial considerations. By utilizing the UnitedOne Credit Union Visa® Debit Card, you can enjoy the convenience, security, and global acceptance necessary for a worry-free travel experience. Remember to inform UnitedOne Credit Union about your travel plans, keep track of exchange rates, and follow essential travel tips to ensure a seamless journey. Pack your bags, plan your itinerary, and embrace the adventures that await with the UnitedOne Credit Union Visa Debit Card by your side.
Note: It is essential to verify the specific details, terms, and conditions of the UnitedOne Credit Union Visa® Debit Card, including any applicable fees or features, directly from the UnitedOne website or by contacting their customer service before making any travel arrangements.


Marissa Jaeger and Miranda Garcia are the recipients of UnitedOne Credit Union’s two $1,000 scholarships for the 2023-24 academic year.
Jaeger, a Manitowoc native, is studying rehab science and occupational therapy at Concordia University of Wisconsin.
“I am honored to have received this scholarship as it allows me to be one step closer to achieving these goals,” said Jaeger, who is working towards earning her bachelor’s and master’s degree in 4.5 years. “This scholarship will help to reduce the cost of my education.”
Garcia, a Sheboygan native, attends Purdue University. She would like to become a UX designer with a specialization in interaction design.
“It is extremely important for me to continue to my education to make my family proud and inspire other students to do so despite the barriers they may face,” said Garcia, who is a first-generation college student.
Each year, UnitedOne offers one scholarship to a Manitowoc County resident and one to a Sheboygan County resident. Jaeger and Garcia were chosen by an independent panel, which judged applicants based on a written essay.
Visit www.UnitedOne.org/scholarships next year for information on how to apply for UnitedOne's 2024 Scholarships.
UnitedOne Credit Union has branches in Manitowoc and Sheboygan, and is open to everyone living or working in Manitowoc, Sheboygan, Kewaunee and Door counties. The credit union serves consumers and small to mid-sized businesses. For more information, visit www.UnitedOne.org.


Loan payments have been making life difficult for everyone across the country due to rising interest rates. Take a much-needed break for the summer with Loanapalooza and make no loan payments for 90 days* while enjoying one of these vehicles.
Get a loan during our Loanapalooza vehicle loan sale and you'll be automatically entered to win 1 of 5 $500 CASH GIVEAWAYS! If you win, UnitedOne will DONATE $500 to a local 501c3 organization of your choice as our way of showing the love**!
Cars. Are you looking to upgrade from your current vehicle? Get your brand new car in time for summer and for an instant lifestyle upgrade! Get the fuel efficient vehicle to save up on gas or spoil yourself with a brand new muscle car.
Trucks. Get the towing power you need with no interest payments for 90 days and add some adventure to your life!
SUVs. Growing family or looking to upgrade in size? No problem! Loanapalooza is your way to upgrade to the new family hauler or ride around in comfort you desire.
RVs. Are you looking to go on the road trip this summer? Wait no more! RVs provide you with not only the privacy and comfort but also the ability to bring your whole family along with your pets while you travel across the United States.
Motorcycle. Save money on gas and become a king of the road with your brand new motorcycle. Make new friends while riding around in style and making no loan payments for 90 days.
ATVs. Connect with nature and discover the beautiful Wisconsin countryside in a brand new ATV. Get additional traction as you blaze through trails or haul wood for a bonfire celebration with friends and family.
Personal Watercraft. With the boating season fast approaching, get the new boat to enjoy our beautiful Wisconsin lakes with.
AND if you have a loan with a different lender, refinance at UnitedOne and SAVE! Ask about our electronic signature and virtual appointment options
At UnitedOne Credit Union, we are member-centric. We’ve been where you are now, we’ve helped others in similar situations, and we can help you too! We are your personal loan providers in Sheboygan, Manitowoc, and the surrounding areas in Wisconsin. We provide our credit union members with a wide range of loan services to cover their needs and lifestyle. To get access to all of the amazing benefits that come with being a member of UnitedCredit Union consider joining us! If you are looking for a friendly and professional personal loan service to help you move your life forward, get in touch with our team of personal money lenders today. We are here because you’re here!
*Rate will vary based on your creditworthiness, loan term, loan-to-value, and year of vehicle; Minimum new money of $5,000.00 with an active UnitedOne checking account, net direct deposit, and automatic payments are required. Mortgages, home equity loans, commercial loans, personal loans, lines of credit, and share secured loans are excluded from this offer. First payment may be deferred for 90 days on select vehicle loans. Finance charges begin accruing when loan is funded. Not all applicants will qualify for the 90-day deferred payment, and other exclusions may apply. Other rates and terms available, please contact us for details. UnitedOne Credit Union membership required. Offer effective May 1, 2023, and subject to change at any time without notice.
**No purchase necessary. For complete Loanapalooza Show The Love sweepstakes rules visit www.UnitedOne.org/Loanapalooza. Sweepstakes ends 5/31/2023 at 5 p.m.


When your kids were little, you frequently heard requests such as “Will you read me a story?” or “Can we go for a bike ride?” Now that your offspring have morphed into teenagers, their pleadings often involve asking for money — your money.
How can you tame their cash demands and avoid the money wrangles, while also instilling a sense of financial responsibility? Here are a few ideas:
- Make the most of “teachable moments”
Look for opportunities in your day-to-day interactions with your teen when you can slip in a money “lesson.” For instance, if you’re out shopping together, you can talk about your own shopping choices or why you’re delaying a purchase.
- Provide hands-on experience
These types of experiences have more impact for teens than just listening to you talk. For instance, have your teenager make the grocery list for the week. At the market, he’ll see for himself how big a chunk of the family budget goes toward groceries.
- Model money monitoring
Sit down with your teen to go over her list of expenditures for the week. Discuss the following: Were these wants (things that just made you feel good) or needs (things like a new jacket to replace the one that no longer fits)? How could you have spent your money differently?
- Talk about the future
What will come after high school? If it’s college, what portion of expenses will the teen have to cover? Older teens also begin to think about career choices. This is a good time to talk with them about saving for retirement. It’s never too early to have that conversation.
Let us help at UnitedOne Credit Union. We can set your teenager up with his first debit card and checking account. Getting teens established with these tools can help them learn to manage money now — while the stakes are small —so they don't get into financial trouble later. Make an appointment today or visit one of our branches in Manitowoc and Sheboygan.
About UnitedOne
UnitedOne Credit Union has branches in Manitowoc and Sheboygan, and is open to everyone living or working in Manitowoc, Sheboygan, Kewaunee and Door counties. The credit union serves consumers and small to mid-sized businesses.
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 dating back more than 80 years. Our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today. We embrace a successful and straightforward member-owned cooperative mission: meet the financial needs of our members by empowering them with the knowledge to make informed financial decisions. That's the UnitedOne difference.
To learn more about our services, contact us today! You can book an appointment online to see a Member Service Representative or Mortgage Specialist. You can also call us at 920-684-0361 or 920-451-8222.


There is no better time than now to get a free Kasasa checking account that pays you back! Just one of the many rewards when you become a UnitedOne member and take full advantage of a free Kasasa® checking account. Enjoy the wide variety of benefits to the point where you’ll feel like you’re getting paid to shop. With the highest interest rates in 30 years, effective March 15, 2023 the cash back is even better now at a percentage rate of 5.00% cash back.
Check out all the awesome rewards that come with UnitedOne KASASA checking accounts:
Benefits of Kasasa® FREE Cash Back Checking
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Free checking that pays you back
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5.00% cash back on debit card purchases
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No category restrictions on purchases
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Cash back earned on up to $300 in purchases monthly
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Earn up to $180 cash back per year, $15 per month
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Refunds on ATM withdrawal fees, nationwide (up to $25 monthly, max $4.99 each)*
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Can link to free Kasasa Saver® to build savings automatically
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No minimum balance to earn rewards
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No monthly maintenance fee
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Free Digital Banking with Bill Payer
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Free E-Statements
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Includes Mobile Deposit
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Free Visa® Debit Card
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Can be loaded to a Mobile Wallet
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No minimum deposit to open
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Debit card with optional RoundUp savings
Qualifying is easy for FREE Kasasa® rewards checking accounts enjoy no monthly maintenance fees and amazing benefits! By doing just a few easy banking activities (we call them “qualifications'') listed below, you’ll help us lower costs — and we’ll pass those savings on to you as Kasasa® rewards! Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa® Cash account during each Monthly Qualification Cycle:
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At least 12 signature-based debit card purchases
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Be enrolled in and agree to receive E-Statements
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At least one direct deposit, ACH payment, or Bill Payer transaction
Finding the best cash back card for your wallet is dependent on which cards you qualify for and we’re confident that qualifying for Kasasa rewards is a pain-free process. Do you have questions about Kasasa Cash Back? Email us at mail@UnitedOne.org or call 920-684-0361 in Manitowoc and 920-451-8222 Sheboygan.
Kasasa® checking account is just one of many fantastic benefits that we offer. If you or an immediate family member lives or works in Manitowoc, Sheboygan, Kewaunee or Door counties consider becoming a member of UnitedOne. By becoming a member of UnitedOne you help us to invest in our local communities in a variety of ways including through volunteerism, financial support, fundraising and creating public awareness of organizations and groups that make a meaningful contribution to the betterment of our communities.
*Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. See our website www.unitedone.org or call 920-684-0361 to contact one of our member service representatives for specific Monthly Qualification Cycle dates.
Reward Information:
Kasasa Cash Back: you will receive 5.00% cash back on up to a total of $300 PIN-based or signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $15 cash back payments may be earned per Monthly Qualification Cycle.
When your linked Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Kasasa Saver account earn an APY of .50% and daily balances over $25,000 earn a dividend rate of .10% on the portion of the daily balance over $25,000, resulting in a range from .50% to .18% APY depending on the account's daily balance.
When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. In addition, the entire daily balance in the Kasasa Saver account earns a dividend rate of .03% resulting in an annual percentage yield of .03% APY.
Dividends will be credited to your Kasasa Saver account on the last day of the current statement cycle.
The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of 03/15/2023.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our member service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA.
Trademarks:
Kasasa, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.


Please be vigilant when reviewing your caller ID for calls and text messages. A popular technique used by scammers currently is to try to pose as a business to attempt to gain personal information from people.
These fraudulent calls and texts may look like they are coming from a legitimate phone number, so that’s why it’s very important you don’t give out any personal information and report any suspicious communications.
Below are more tips for spotting fraud and what you should do to protect yourself and loved ones.
Always remember, never give out personal or account information in reply to an unsolicited call, text, or email.
Signs to Spot a Scam
- Scammers tell you to pay a specific way
UnitedOne will never ask you to come to one of our offices and take out money to send to someone to ‘fix’ an issue with your account. It’s a scam. Fraudsters might also ask you to buy a gift card and send them the number on the back of the card, or send you a check and ask you to deposit before sending them the money.
- Scammers pressure you to act immediately
This is a tactic used by scammers to try to make you act quickly before you have time to think about their ‘urgent’ request. The technique is meant to confuse and distract you into falling for their scheme.
- Scammers indicate there is a problem
If you’re told there is a problem with your computer, you owe money immediately, or a family member is in an emergency and needs help – it’s likely a fraud attempt.
What To Do If You Suspect Fraud
- Don’t respond to the request
If it’s a phone call, hang up. If it’s a text or email, don’t reply or click on any links.
- Report it
If you ever feel your UnitedOne account has been compromised or you received a suspicious communication, please contact us at (920) 684-0361 in Manitowoc or (920) 451-8222 in Sheboygan.
- Inform others
If you have a family member or friend who you feel would be more susceptible to a fraud scheme, please let them know what to watch for and how they can protect themselves from becoming a victim.
Visit UnitedOne.org/digital-safety for more security information, including details about the ways UnitedOne and our partners will and won’t contact you.


Taking out an auto loan is not always an easy decision. Most people tend to get the loan through their dealership, for reasons such as simplicity and familiarity. The buyer and the dealer go through a negotiation process and settle on a term that is convenient for both, with the buyer walking out with a brand-new car. However, several other options are readily available for finding your new car, one of them is getting an auto loan from a credit union.
Credit union auto loans are just as common as getting one from the dealership. In fact, it’s one of the best decisions you can ever make. In addition to getting the loan quickly, chances are you’ll also save money. To understand how this works, let’s have a look at the differences between financing your car through a car dealership vs. a credit union.
Financing Through a Car Dealership
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Interest Rate is Usually Higher than What the Lender Quoted – Once you show interest in an auto loan, the lender will send you all the information to gain the loan. If you agree with the term they will send back a quote to the lender. However, the quoted interest rate is usually higher because you will end up incurring the cost of mark up by the dealer for handling the financing.
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Dealers Do Not Mention the Bottom Line – Dealers usually see borrowers as blank checks and charge higher commissions. Once you enter into an agreement with them, they will try to get the most money they can from you. In addition to quoting higher interest rates, the dealer may also try to sell you different packages that you do not need. For instance, they may ask you how much you are willing to pay a month instead of telling you the cost of the car. This way, you may end up with a higher price tag and longer terms than expected.
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No Credit No Problem – You may find a dealership with a slogan such as “no credit, no problem.” While this may be enticing, you may end up paying astronomically high-interest rates, with the risk of the car being repossessed if you miss a payment.
Financing Through a Credit Union
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Get Pre-Approved for a Auto Loan – A credit union gives you a quote for a conditional letter for pre-approval. The letter lays out the terms and conditions of the loan, making the process quick and easy. You can then take the letter to the dealer and use the pre-approved loan to finance the car of your choice. The process allows you to bypass negotiation as you get to know the details of the term and interest rate before picking out a car. This also saves you from the “how much are you willing to pay a month,” tactic that leads people to purchase more expensive cars.
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Lower Interest Rates – By dealing directly with the credit union, you will no longer incur the expenses associated with middlemen. Your loan officer makes sure you get the best loan for your financial situation at the lowest possible interest rates.
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Free Educational Resources – Credit unions offer clients educational resources to help in making informed decisions. They include online resources and financial counseling to guide customers in taking the loan and paying it on time.
When looking for an auto loan, make sure you have the information needed to make the right decision. While the pushy tactics of car salespeople can be convincing, you can save a substantial amount of money by getting a loan with a credit union. Not only will you bypass the dreaded negotiation process, but you will also receive lower interest rates and friendly terms.
UnitedOne Credit Union offers auto loans with friendly terms and interest rates. With over 80 years of experience in the financial industry, we serve clients in Manitowoc, Sheboygan, Kewaunee, and Door counties. Get in touch with our auto loan experts for personalized assistance on a loan that suits your needs.


February is the month of love, and people look forward to sharing the love with those they care about. For UnitedOne Credit Union, this is also a time to spread love and show people who are considering joining a credit union that we do much more than conventional banks. We love people, and have been in operation since 1938, we constantly provide financial opportunities to improve the lives of our members. If you are wondering whether we are worth your love, here are eight reasons to love our credit union.
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UnitedOne is Your Credit Union
As a member of UnitedOne Credit Union, you automatically become an owner. A credit union is a cooperative business unit that is owned and operated by its members. This is different from other business units, such as banks that are owned by stockholders. Being an owner means that you have voting rights and will earn dividends of surplus income earned by the credit union.
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You are Our Top Priority
Credit unions work for the best interest of all their members. Being relatively smaller than other national financial institutions, being a credit union allows our employees to get-to-know our members. Thus allowing our team to understand your financial needs and give you a customized banking experience.
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Not-for-Profit
Credit Unions operate as not-for-profit cooperatives. This allows us to offer higher interest rates on share certificates and saving accounts, but low-interest rates on credit cards and loans. We also aim to put our members before corporate profits.
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Safety for Your Money
Just like big banks, credit unions are also insured. Our credit union is insured by the National Credit Union Administration (NCUA) which offers coverage on funds in a similar manner as FDIC does for banks. Under this cover, your funds are insured for up to $250,000 and backed by the United States government.
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Lower Fees
Credit unions offer lower fees and fewer account fees compared to other financial institutions. Since our members are the owners of the business, we do not worry about stockholders pushing for the highest possible profits. We only focus on the needs of the members and achieving lower fees.
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More Accessibility
Being a credit union allows us to make it easy for you to access your account on the go or near your home. We have six locations and even school branches in Manitowoc and Sheboygan, Wisconsin. You can also access your funds through the more than 5,000 Alliance One ATMs located across the United States.
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We Go the Extra Mile
Credit unions are formed to help people. Therefore, we go the extra mile in ensuring that we are doing all we can to get you approved for a loan. Our loan eligibility requirement is less rigid and we will be willing to work with you even with a low credit score. Going the extra mile makes the credit union helpful, especially to people who have been denied a loan from a bank.
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Community Support
Our credit union is a member of a community that we strive to strengthen by serving and giving back. We invest in people living in Manitowoc, Sheboygan, Kewaunee, and Door counties through financial support, volunteerism, creating public awareness, and fundraising. Join our community on Facebook to stay up-to-date on our ongoing community events.
As you celebrate love with the ones you love the most, remember that we also love our members. Continue believing and trusting us as your financial partner to propel you towards achieving your financial goals.
Almost anything you can do on a desktop computer you can also do on a mobile device in today’s world.
Surfing the web, checking email and online banking all can be done with a mobile device when you’re out and about thanks to advancements in technology.
One of the things you should always do when using a mobile device is practicing digital safety by being vigilant with all of your actions.
Check out these best practices for staying safe on your mobile device.
- Apps
Only download apps from trusted developers that are available in your mobile device’s official store.
Make sure you install app updates to ensure you are using the latest and most secure versions of apps on your mobile device.
- Wi-Fi
You should never send sensitive information over a Wi-Fi network unless you are sure it’s secure and you should not allow your mobile device to auto-join unfamiliar networks.
It’s also a good idea to get into the habit of turning off Wi-Fi when you don’t need it.
- Browser
Be on the lookout for ads, giveaways and contests that seem too good to be true. These could lead to phishing websites.
Don’t forget to look at the full URL of a website to check to see if it’s secure and never save your login information when using a browser.
- Bluetooth®
Much like Wi-Fi, turn off automatic Bluetooth® pairing and turn it off completely if you’re not actively using it.
- Smishing (phishing via SMS)
Use the same caution with text messages that you would with emails and think before you click.
Don’t trust text messages from unfamiliar sources and remain vigilant before clicking on a link from a friend if it looks suspicious. Hackers may have compromised the account of someone in your contacts could be posing as them in attempt to get your personal data.
- Vishing (voice phishing)
Do not respond to telephone calls or voicemail requests asking for personal financial information.
If you are concerned about the legitimacy of a call, hang up and contact the financial institution directly at a trusted phone number.
Visit our Digital Safety page to learn about the ways UnitedOne Credit Union and our partners will and won’t contact you about your account.
About UnitedOne
UnitedOne Credit Union has branches in Manitowoc and Sheboygan, and is open to everyone living or working in Manitowoc, Sheboygan, Kewaunee and Door counties. The credit union serves consumers and small to mid-sized businesses.
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 dating back more than 80 years. Our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today. We embrace a successful and straightforward member-owned cooperative mission: meet the financial needs of our members by empowering them with the knowledge to make informed financial decisions. That's the UnitedOne difference.
To learn more about our services, contact us today! You can book an appointment online to see a Member Service Representative or Mortgage Specialist. You can also call us at 920-684-0361 or 920-451-8222.


Choosing a credible organization that provides auto loans or mortgages at low rates is often a difficult decision to make. While most people go for banks as their first option, credit unions offer the same banking services while contributing to the community. If you are looking to switch banks or get financial services from a different kind of organization, a credit union is worth considering.
Credit unions are renowned for offering great rates on savings and loans while keeping fees low. You also get excellent member service and quality banking products in the area. In this article, we give a brief explanation of how credit unions work and the value they can bring to your personal finances. We will cover:
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What is a Credit Union?
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How to Join a Credit Union
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Making the Choice Between a Credit Union and Bank
What is a Credit Union?
A credit union is a financial institution that operates as a cooperative and not-for-profit institution owned by members. Contrary to banks that are owned by shareholders who receive a share of the profits, credit unions are owned by its members. In addition, members of credit unions receive dividends unlike interest received by bank customers.
Credit unions are unique in that they serve as a safe place for people to save and borrow at low rates. In terms of operations, credit unions offer the same type of financial products and services as banks. The major difference is that credit unions use different terms to describe their products. For instance, the share draft accounts of a credit union have the same features as checking accounts for the banks. However, credit unions often provide some benefits to their members because of their community-oriented mission and not-for-profit status.
Many people in the United States find credit unions ideal for various banking services. Interestingly, more than 122 million Americans are credit union members, with the number continuously increasing. The high number of members can be attributed to the many benefits of joining a credit union. For instance, saving your money with a federally insured credit union gives you access to an equivalence of FDIC insurance. In particular, members of a credit union receive federal insurance from the National Credit Union Administration (NCUA) of up to $250,000 of qualifying deposits in the event of a credit union failure.
Benefits of Joining a Credit Union
The overall mission of credit unions is to improve the financial well-being of their members and serve the community. Although the main benefit of joining a credit union is having a safe place to save and borrow funds, the following advantages also stand out.
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Better rates of Savings and Loan Accounts – Credit unions do not have to pay profits to shareholders, which allows them to provide reasonable rates to members. They focus on offering higher APYs of saving accounts and lower APRs on loans. In fact, credit unions offer some of the best rates on high-yield saving accounts and checking accounts in the market.
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Great Member Service – Compared to banks, credit unions tend to rate higher on satisfaction surveys. Many surveys have shown that more than 96% of credit union members are highly satisfied with the organization. Since members of credit unions are also the owners, these institutions focus more on providing member services that banks may not be able to match.
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Credit for Small Businesses and Borrowers – Credit unions provide loans for the smallest business and borrowers who may be underserved or overlooked by larger banks. Small business owners who need funding may find credit unions quite beneficial.
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Community Involvement – More than half of the credit unions have a mission to serve low-income communities. They intend to connect their local community with quality and affordable financial services. Every year, credit unions help their members save more than $12.6 billion by offering lower fees and higher returns on deposits. Members save an additional $5.6 billion on auto loans. In addition, the presence of credit unions in local banking markets generates over $4.9 billion of economic benefits annually.
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Support for Diversity and Inclusion – Credit Unions strongly focus on supporting diversity and inclusion as they are more community-oriented. In fact, credit unions have as much as 10 times more women serving as CEOs compared to banks. They are also more likely to be Minority Depository Institutions (MDIs), with statistics indicating that credit union MDIs are more than three times as many as bank MDIs.
How to Join a Credit Union
Joining a credit union is quite different from registering an account with a bank. This is because credit unions often have limits on who can qualify for membership. Some credit unions serve the military community, which means you can only join if you are a veteran, active-duty military, government contractor or employee, or their family members. To join a credit union, you may be required to meet specific criteria that are common with other members on issues such as:
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The company you work in
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The industry you work in
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The geographic area you work or live in
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Membership in certain organizations
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Your religious affiliations
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Family members who have already joined the credit union
Although some credit unions limit their membership to certain employers, geographic areas, or types of workers, most of them are open to any member. Some are even digital-first, with a nationwide membership base to serve more people. You can easily join such a national credit union regardless of where you live or work, and get access to their rates on savings, share certificates, and loan accounts.
When joining a credit union, part of the standard procedure is to make a donation or pay a specified fee. This is usually in the range of $5 to $25, depending on the credit union. The fee is used as the cost of purchasing a share of ownership in the credit union cooperative. To join a credit union, simply visit a branch in person or open a new account online.
Making the Choice Between a Credit Union and Bank
The choice between a credit union and a bank will depend on your financial goals. As explained in this article, joining a credit union will give you several valuable benefits and offerings. However, some people still prefer working with a bank to get access to a broader range of financial products, easier international banking, desirable mobile banking app features, and better digital banking tools. However, the value that credit unions bring cannot be overlooked.
Joining a credit union will help you save on fees, receive a better rate on loans, get a higher yield on savings, and improve your overall financial well-being. After all, you will be putting your money into an organization that contributes to the economic empowerment of your community.
Joining UnitedOne Credit Union
If you live and work in Manitowoc, Sheboygan, Kewaunee, and Door counties, our doors are open to you. UnitedOne Credit Union has been in operation since 1938 and has grown to become one of the largest credit unions in the region. We are passionate about improving the financial well-being of our customers while making a positive impact throughout our community. Book an online appointment with us today or visit one of our local offices to join.


Did you overspend during the holiday season?
Don’t worry, you’re not alone. Many people likely have overspent and are now experiencing the “holiday hangover” effect as a result.
If your New Year’s resolution is to tighten up your finances, check out these tips to help you reach your goals for 2023 and beyond.
Stick to a Routine
In order to stay on top of your finances, you need to stick to a schedule to review them. Pick a day and time each week where you’ll set aside a block of time to specifically look over your finances. It’s a good practice to get in the habit of doing to stay organized, whether you utilize paper statements and bills or use E-Statements and digital invoices.
Set a Specific Budget
Make a detailed list of your monthly expenditures. Just as you set aside money for your utility bills, you should also be setting aside money each month to save for your own future and for an emergency fund. That’s why the 50/30/20 rule is a good guide to follow when creating a budget. Under this rule, 50% of your income goes to needs, 30% to wants and 20% to savings. People often get caught up with needs and wants that they forget to pay themselves for the future by contributing to their savings.
Decrease Discretionary Spending
Do you really need to pay for five different video streaming services? How many times a week do you need to eat out? Look at what you’re spending discretionary income on and make decisions on where you can save by limiting expenditures in this area.
Sign Up for Alerts in Digital Banking
OK, you went through and did the first three items. That’s a great start. However, wouldn’t you like some help to make sure you’re staying on track with your finances? Signing up for Alerts in Digital Banking is a great way to do that. You’ll receive personalized notifications to your mobile device and/or email to inform you about specific activity for your accounts. For example, you can have an Alert set up that will notify you when your balance drops below a certain amount. Learn more about Alerts.
About UnitedOne
UnitedOne Credit Union has branches in Manitowoc and Sheboygan, and is open to everyone living or working in Manitowoc, Sheboygan, Kewaunee and Door counties. The credit union serves consumers and small to mid-sized businesses.
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 dating back more than 80 years. Our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today. We embrace a successful and straightforward member-owned cooperative mission: meet the financial needs of our members by empowering them with the knowledge to make informed financial decisions. That's the UnitedOne difference.
To learn more about our services, contact us today! You can book an appointment online to see a Member Service Representative or Mortgage Specialist. You can also call us at 920-684-0361 or 920-451-8222.


Are you looking into renovating your home, purchasing a new vehicle, or consolidating your debts? If you’re a homeowner in Manitowoc or Sheboygan and are considering taking out a loan then you should definitely consider a home equity loan with UnitedOne Credit Union. Home equity loans mean that you borrow money against the equity you have in your home. For example, if your home market value is $200,000 and you still owe $100,000 on your mortgage, then your home equity is $100,000. You can utilize this value to take out a loan and design a perfect kitchen you always dreamt of or add on a relaxing outdoor space to entertain your family and friends.
Advantages to using home equity loans include fixed interest rates which result in a consistent monthly payment and quick access to funds. The interest rate associated with home equity loans is usually lower compared to the interest rates of credit cards or other types of loans. Keep in mind that if you’re planning on selling your home in the near future, the home equity loan will need to be paid in full at the time of the sale.
There are many ways you can utilize home equity loans and here is a list of just a few of them:
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Home remodel. Redesign the kitchen for your inner chef or upgrade your bathroom to add value to your home.
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Reduce your energy bill. Utilize your home equity loan to upgrade to energy-efficient appliances for your home.
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Pay off student debt. With student debt forgiveness currently on a freeze, you can utilize the home equity loan to pay off an existing student loan or future college expenses.
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Refinance an existing home equity loan.
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Consolidate higher interest debt.
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Purchase a vehicle of your dreams.
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Pay off medical bills.
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Utilize the loan to start your own business.
Interested? Book an appointment with our Mortgage Specialists who are happy to work with you and review your options to ensure you choose the program that best meets your specific needs.
Use the equity in your home to do the remodel you've been putting off or make the addition you've been dreaming about! If you or an immediate family member lives or works in Manitowoc, Sheboygan, Kewaunee, or Door counties consider becoming a member to experience a wide variety of benefits that we offer!
*All loans and down payment assistance programs subject to eligibility and approval. Insured by NCUA. NMLS # 439833


You work hard for your money. Wouldn’t it be nice if your money worked just as hard for you?
A strong savings strategy will help you do that. Calculating one doesn’t have to be a challenge, either.
You should start by asking yourself a few questions:
- Can you afford unexpected expenses?
- What things are you saving for?
- When will you need the money?
Having at least three to six months’ worth of expenses tucked away in an emergency savings fund is something you’ll want to have first before looking at other short- or long-term saving goals. Nothing will break a budget more than unexpected debts that arise, like a vehicle repair or replacing a household appliance that stops working suddenly.
If you don’t have emergency funds of at least three to six months’ expenses available, liquidity should be your saving priority and putting away what you can to build your emergency funds with each paycheck. (Liquidity is assets available to you to use immediately.) For example, if you put $10 a week into savings and don’t dip into the funds, it’ll add up to more than $500 after a year. And having that money earn dividends in a Free Kasasa Saver® account* from UnitedOne Credit Union in Manitowoc and Sheboygan (WI) is a way to have your dollars work for you.
If you’re at the point where you have a fully funded emergency savings account and have extra cash available that you don’t need to access right away, it’s time to start looking at other options to grow your money even more for bigger planned expenses in the future, like purchasing a home or new vehicle.
Share certificates are a great option to grow your savings. A share certificate is a low-risk savings tool in which you commit to keeping money on deposit for a specified length of time. You’ll earn a fixed rate of return in exchange for leaving these funds untouched until the term is said to mature. Once the term ends, you can withdraw the money and dividends earned, or it can be rolled over for another term.
While share certificates have less liquidity than savings accounts, they generally have higher dividend rates and thus can help prevent cash drag. (Cash drag is a diminution of return caused by holding a cash position and not earning on it.)
UnitedOne has a wide variety of share certificates available with terms ranging from three months to four years. Generally, the longer the term the higher the dividend rate will be.
In the end, having a strong savings strategy comes down to having a mix of savings vehicles, with the aim to balance liquidity against cash drag, and short- and long-term savings. The goal should always be to make sure your money is working for you and earning maximum growth while you wait to use it.
Use our Online Appointment Maker today to book an appointment to open a new Share Certificate!
*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards.
"Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle.
See our website www.unitedone.org or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
Reward Information:
When your linked Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Kasasa Saver account earn an APY of .50% and daily balances over $25,000 earn a dividend rate of .10% on the portion of the daily balance over $25,000, resulting in a range from .50% to .18% APY depending on the account's daily balance.
When your linked Kasasa Cash or Kasasa Cash Back account qualifications are not met, the entire daily balance in the Kasasa Saver account earns a dividend rate of .03% resulting in an annual percentage yield of .03% APY.
Dividends will be credited to your Kasasa Saver account on the last day of the current statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of 08/02/2021.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account.
A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA.
Trademarks:
Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Tunes and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.


If you love giving gifts to your family and friends, it can be hard to not overspend during the holiday season.
Even those who are good about staying on budget all year end up splurging a little too much when it comes to gift giving.
But sticking to your holiday budget doesn’t have to be hard. It’s all about planning ahead. Here are six quick tips for sticking to your holiday shopping budget this year.
Tip 1: Make a list for everything
Lists are an important part of keeping your finances organized any time of year, but especially during the holidays. Make separate lists for holiday food, decorations and gift costs. Keeping a list of all your potential expenses will help you to prioritize your holiday expenses. Purchase the items high on your list, then check them off, and see how much money you have left to spend on the remaining items.
Tip 2: Only spend using debit card
If you tend to purchase your gifts in a store rather than online, try using only your UnitedOne’s debit card to do your holiday shopping. It is much easier to overspend when you’re using a credit card. Using your debit card to make your holiday purchases helps you to clearly see exactly how much you’ve spent and how much is left in your budget by using Alerts through Digital Banking.
Tip 3: Take time to find deals
Start comparison shopping before the holidays even start. If you don’t know how much a product normally costs, how will you know if you’re getting a good deal on for Black Friday? It’s important to take time to find deals. Don’t be afraid to return an item to the store if a better discount for the same item comes along.
Tip 4: Cut back your giving
Although the holidays are the time for giving, you shouldn’t put yourself in financial hardship over them. Keep your gift-giving list short. If your budget is tight, you may have to skip the office gift exchange or skip mailing greeting cards. It may not be what you want to do but come January your finances will thank you.
Tip 5: Set expectations ahead of time
If you tell your family and friends about your holiday budget, they will likely understand; they are probably all on a budget too. Working together you may even be able to save each other money by going in on gifts together or by agreeing to not purchase each other gifts.
Tip 6: Start a Christmas Club for next year
A Christmas Club account is a convenient way for UnitedOne members to save for the holidays and avoid last-minute money issues. Members can make deposits via payroll deduction or internal transfer. Funds from this account will automatically transfer with dividends to their Primary Share on September 30.
If you need an extra boost for your holiday shopping this year, UnitedOne’s Holiday Loan can help you check off all the items on your gift-giving list.
About UnitedOne
UnitedOne Credit Union has branches in Manitowoc and Sheboygan, and is open to everyone living or working in Manitowoc, Sheboygan, Kewaunee and Door counties. The credit union serves consumers and small to mid-sized businesses.
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 dating back more than 80 years. Our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today. We embrace a successful and straightforward member-owned cooperative mission: meet the financial needs of our members by empowering them with the knowledge to make informed financial decisions. That's the UnitedOne difference.
To learn more about our services, contact us today! You can book an appointment online to see a Member Service Representative or Mortgage Specialist. You can also call us at 920-684-0361 or 920-451-8222.


UnitedOne Credit Union strives to improve financial education not only for our members but also for students in our communities. With our in-school credit union branches, we aim on teaching our local students important life skills, like teamwork, interviewing, job applications, training, responsibility, and confidentiality. Many Youth Apprenticeship students have turned the experience into a career, as some of our former Youth Apprentices have been with us for over 20 years!
We’re proud of our strong history with the Manitowoc Public School District, dating back to the opening of our first school branch at Monroe Elementary in 1996. Today our elementary staff at Jackson, Jefferson, Monroe, and Madison are picked by the school. The student staff consists of a team that will operate and market the school credit union. Our branch at Lincoln High School is staffed by our Youth Apprenticeship students and our middle schools at Washington and Wilson are staffed by student Tellers!
The objectives of our program are:
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To improve financial understanding and knowledge in our communities.
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To work cooperatively with educators and parents in developing responsible young consumers.
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To provide students the chance to begin developing good savings habits right in their school, where it’s convenient, and to understand the value of doing so.
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To teach students about savings and financial responsibility.
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To give students the opportunity to become involved in authentic learning experiences, by taking active roles in marketing their credit union, setting goals, putting plans into action, and watching their credit union grow.
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To give UnitedOne Credit Union employees the opportunity to become involved with our community’s youth and share professional knowledge with students.
Getting a head start when it comes to financial education can help students to develop the skills necessary to achieve financial success later in life. From saving and investing to creating and sticking to a specific budget, early money lessons can give students a leg up when it's time for them to make more significant financial decisions such as taking out a mortgage, applying for a loan, or starting a business.
Here at UnitedOne Credit Union, we built our reputation thanks to our amazing local communities and we strive to give back in any way that we can. We are passionate about improving the lives of our residents and providing important financial education in our local schools. If you or an immediate family member lives or works in Manitowoc, Sheboygan, Kewaunee, or Door counties consider becoming a member to experience a wide variety of benefits that we offer!


Gift cards are extremely popular, to give as well as to get.
They’re a convenient way to treat someone to a meal at their favorite restaurant, purchase an item of their own choosing at a favorite store, or simply to give them cash to use anywhere the card is accepted.
Unfortunately, scammers also love gift cards and have come up with creative ways to convince you to purchase cards for them.
In 2021, consumers reported over $148 million lost to gift card scammers. Many consumers reported being contacted by the IRS, Social Security and power companies who told them they were liable for penalties. Others say they were contacted by Amazon or Apple to pay to continue service. Some say they were contacted by law enforcement and told to pay a fee to avoid a warrant.
In most cases, the scammer attempts to scare or alarm you, claiming something terrible will happen if you don’t pay them immediately. They want you to act quickly so you don’t have time to think it through or to check into the issue further.
You are told payment must be made using a gift card instead of a check or online payment. You don’t need to mail the card; just simply tell them the serial and personal identification numbers on the back.
Here are a few more scenarios gift card scammers use:
- Relative in distress - You receive a call from someone claiming to be a loved one, usually a grandchild. They tell you they have had an accident, or they are stuck in a foreign country unable to get home. They ask you to send money immediately using a gift or a prepaid card.
- Charitable causes - They claim they are raising money for a worthy cause. They contact you by phone, text, or email, ask you to purchase gift cards, and give them the numbers.
- Resale or auction sites - Once you have shown interested in an item, the scammer will offer a discount if you buy it with a gift card. You give them the number and never get the item you purchased.
Be suspicious if a government agency, legitimate company, or loved one asks you to pay them with a gift card. If you’re unsure, contact the agency or company using their official website, not a number provided in the questionable message. If it’s someone who claims to be a relative, contact the immediate family and ask them to verify that a payment is needed.
Like cash, once a gift card is handed over to someone, it’s very hard to get the money back. You are not protected from fraud like you are with major credit cards.
If you are contacted by anyone insisting that a payment must be made with a gift card, it’s very likely a scammer.
About UnitedOne
UnitedOne Credit Union has branches in Manitowoc and Sheboygan, and is open to everyone living or working in Manitowoc, Sheboygan, Kewaunee and Door counties. The credit union serves consumers and small to mid-sized businesses.
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 dating back more than 80 years. Our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today. We embrace a successful and straightforward member-owned cooperative mission: meet the financial needs of our members by empowering them with the knowledge to make informed financial decisions. That's the UnitedOne difference.
To learn more about our services, contact us today! You can book an appointment online to see a Member Service Representative or Mortgage Specialist. You can also call us at 920-684-0361 or 920-451-8222.
Sources
https://www.aarp.org/money/scams-fraud/info-2019/gift-card.html
https://consumer.ftc.gov/articles/gift-card-scams
Today we are connected to our smartphones or a computer wherever we go, because of that our world is becoming increasingly dependent on cybersecurity.
UnitedOne Credit Union is proud to be a part of the national Cybersecurity Awareness Month to help us all understand the latest ways to protect ourselves, our work places, and our family and friends online.
Cybersecurity is the art of protecting networks, devices, and data from unlawful access or criminal use, and providing confidentiality, integrity, and availability of information.
Much of your personal information is stored either on your computer, smartphone, or tablet. Knowing how to protect your information is important, not just for individuals but for organizations, as well.
Every time you use the internet, you face choices related to your security. Your security and the security of the nation depends on making responsible online decisions. Making the internet safe and secure requires all of us to take responsibility for our own cybersecurity behavior.
Know Your Cyber Basics
Recognize and Report Phishing: If a link looks a little off, think before you click. It could be an attempt to get sensitive information or install malware.
Update Your Software: Don’t delay – if you see a software update notification, act promptly. Better yet, turn on automatic updates.
Use Strong Passwords: Use passwords that are long, unique, and randomly generated. Use password managers to generate and remember different, complex passwords for each of your accounts. A password manager will encrypt passwords securing them for you!
Enable Multi-Factor Authentication: You need more than a password to protect your online accounts, and enabling MFA makes you significantly less likely to get hacked.
Potential Threats
Malware: A computer can be damaged or the information it contains harmed by malicious code (also known as malware). A malicious program can be a virus, a worm, or a Trojan horse. Hackers, intruders, and attackers are in it to make money off these software flaws.
Identity Theft and Scams: Identity theft and scams are crimes of opportunity, and even those who never use computers can be victims. There are several ways criminals can access your information, including stealing your wallet, overhearing a phone call, looking through your trash, or picking up a receipt that contains your account number.
Phishing: Phishing attacks use emails, texts, and malicious websites that appear to be trusted organizations, such as charity organizations or online stores, to obtain user personal information
Tips for Spotting Fraud
Keeping our members’ accounts secure is a top priority at UnitedOne Credit Union. Whether you are offline or online, please be vigilant with your account information at all times and the devices you access it on as well.
As technology changes and advances, so do the methods used by scammers and hackers to try to obtain and compromise your information. Individuals attempting to commit fraud may try to trick you by claiming to be someone they are not, including sending emails and texts or making phone calls from addresses and phone numbers that look legitimate.
If you are ever feel like somebody is posing wrongfully as a UnitedOne Credit Union employee, or if you suspect your financial safety has been compromised, please contact us immediately by calling (920) 684-0361 or (920) 451-8222.
Taking note of the ways UnitedOne and our partners will and won’t contact you can help you spot fraud and keep your account secure.
- UnitedOne will never call, email or contact you asking for your member ID, account number or Digital Banking password.
- UnitedOne will never contact you asking for your credit card or debit card number, PIN, or security code.
- To ensure UnitedOne employees are helping the correct member they may ask you questions that only you would be able to answer, like where did you use your card last or where does your direct deposit come from. These questions are for your protection.
- Neither our debit card nor our credit card provider will initiate contact by email regarding a problem with your card.
- As a UnitedOne debit card holder, you get the added protection to have fraud monitoring on your card. Our Visa Fraud Department may notify you if it notices any unusual transactions with your card. They may call or text to question if a transaction was authorized by you. If the answer is no, your card is shut down immediately. Your card may not work properly until confirmation of the transactions in question is received.
About UnitedOne
UnitedOne Credit Union has branches in Manitowoc and Sheboygan, and is open to everyone living or working in Manitowoc, Sheboygan, Kewaunee and Door counties. The credit union serves consumers and small to mid-sized businesses.
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 dating back more than 80 years. Our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today. We embrace a successful and straightforward member-owned cooperative mission: meet the financial needs of our members by empowering them with the knowledge to make informed financial decisions. That's the UnitedOne difference.
To learn more about our services, contact us today! You can book an appointment online to see a Member Service Representative or Mortgage Specialist. You can also call us at 920-684-0361 or 920-451-8222.
Source
https://www.cisa.gov/cybersecurity-awareness-month


When money is tight and you don’t know if you’ll be able to make your rent or keep the lights on, you start looking for ways to find quick cash. You can sell some personal items or ask family members for a loan, but whatever you do, don’t go to a payday lender. It’s a trap that will hold you captive far too long and cost you many times more than you borrow.
These loans are popular because they are extremely easy to get – they don’t require a credit check or collateral. A typical loan is for 14 days and you’re expected to pay it back in full when you receive your next paycheck. However, payday lenders charge a fee of 15% to 20% for every $100 borrowed. For a two-week loan, that works out to an annual interest rate well over 350%. Most payday borrowers can’t pay the loan in full when it becomes due, so they roll it over into another loan and a new finance charge is added to it.
For example, say you borrowed $300 with a 15% finance charge for a two-week period. On your next payday, you would have to pay $345 ($300 x .15) to the payday lender. If you can’t pay it when it’s due and roll it over, you get hit with another finance charge, this time on $345. Now you owe $396.75. If you can’t pay that amount and roll it over again for another two weeks—which happens to many people using payday lenders— you will owe $456.26 on a $300.00 loan in just six weeks.
So, what are your alternatives? Start by asking your family and friends for help. Some may be able to lend you money until you get back on your feet financially. Make it clear to them that you will pay it, perhaps by drawing up terms stating a date you will pay it back in full, or whether you will pay a percentage back on each payday. If they don’t have money to lend, they may be able to help by driving you to work or even letting you move in with them temporarily.
If you are in good standing with UnitedOne Credit Union and have good to excellent credit, you may qualify for an unsecured personal loan. The interest rate will be far better than a payday lender. Even if you don’t have an excellent credit score, talk to one of our loan officers. We may be able to find a workable solution for you.
Know that when you are hit with a financial emergency, there are better options than a payday loan. UnitedOne is committed to helping its members throughout their lives, through the good times and the bad. If you need a loan, talk to us to discuss how we can help you get through a rough patch safely.
About UnitedOne
UnitedOne Credit Union has branches in Manitowoc and Sheboygan, and is open to everyone living or working in Manitowoc, Sheboygan, Kewaunee and Door counties. The credit union serves consumers and small to mid-sized businesses.
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 dating back more than 80 years. Our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today. We embrace a successful and straightforward member-owned cooperative mission: meet the financial needs of our members by empowering them with the knowledge to make informed financial decisions. That's the UnitedOne difference.
To learn more about our services, contact us today! You can book an appointment online to see a Member Service Representative or Mortgage Specialist. You can also call us at 920-684-0361 or 920-451-8222.


Welcome to Life Insurance Awareness Month! UnitedOne Credit Union, a trusted financial institution servicing Northeastern Wisconsin, wants to educate its members about the importance of having life insurance.
Life insurance is an interesting topic for many. Having a life insurance policy is actually to the benefit of others in the event of your untimely death; a difficult subject for all involved to discuss, but necessary to bring you and your next of kin peace of mind.
It is important to understand what you are signing up for before doing so. Having a professional insurance agent like those provided by TruStage through UnitedOne Credit Union helps tremendously when exploring the following different life insurance policies available to you.
Term Life Insurance
A Term Life insurance policy is one that covers an individual for a specified duration before expiring or, if the policy allows, autorenews. This type of coverage generally ranges from one to thirty years, with the ability to renew your policy and maintain the same coverage until you reach the age of 80.
Term Life insurance is a budget-friendly option, and when purchasing through TruStage provided by UnitedOne Credit Union, monthly billing allows you to better plan your finances while keeping your family protected. The ability to stay covered and extend your plan certainly makes this appealing for many young families.
The best part about Term Life insurance is that not only can you switch your coverage to a Whole Life policy as you age, but you are eligible to receive a Term Life policy without any medical exam requirements. So once you pay your initial premium, coverage begins immediately!
Whole Life Insurance
With the ability to have Term Life insurance cover you and your family well into your senior years, several customers are curious about how they may instead benefit from Whole Life insurance. What are some of the key differences between merely extending a Term Life policy and signing up for Whole Life coverage?
Most notably, you receive a locked-in rate for a policy that you essentially ‘set and forget.’ For the duration of your life, your family is covered in the event of your death at any age. This is preferential in many cases, as we change throughout life, but the policy price stays the same regardless of how we change.
In addition to a Whole Life policy, TruStage through UnitedOne Credit Union also offers a Guaranteed Acceptance Whole Life policy; life insurance coverage designed to protect those with even the most dynamic health concerns. This package is to ensure that everyone’s diverse needs are met, and that no one gets left behind.
TruStage at UnitedOne
With an ‘A’ rating and virtually no hassle involved when signing up for a policy, UnitedOne Credit Union is proud to provide its members access to TruStage Insurance Agency to protect those who matter the most in your life.
For more information about the policies available to you, visit UnitedOne Credit Union’s website today and get started!
UnitedOne Credit Union is a member-owned not-for-profit financial institution that views customers as family. With a legacy dating back nearly eighty years, UnitedOne Credit Union works tirelessly to serve the financial needs of Manitowoc, Sheboygan, Kewaunee, and Door counties.


If you’re having problems balancing your checking account, look for the following errors that are easy to spot and correct.
- Addition or subtraction errors
- Transposing numbers (Example: $12 is recorded as $21)
- Forgetting to subtract fees such as:
- ATM fees
- Check orders
- Overdraft fees
- Monthly service fees
- Paper statement fee
- Forgetting to add or subtract items such as:
- Debit card transactions
- Automatic loan payments
- Automatic transfers to or from savings
- Automatic payments, dues, bills (insurance, internet, cell phone, etc.)
- Automatic deposits
- ATM withdrawals or deposits
- Dividends earned
Balance your account monthly, and use a ledger, even if you don’t write checks. Utilize our convenient E-Services, like Digital Banking to view your account anytime, anywhere. You can even set up Alerts to receive notifications on your balance and transactions.
If you can’t seem to find the issue, set it aside and look at it again later, or have a friend or family member look it over for you.
If you are still unable to balance your account, feel free to reach out to us. We are happy to take a look at it for you, but an Account Research/Reconciliation fee may apply. You can find this fee listed on our Fee Schedule.
About UnitedOne
UnitedOne Credit Union has branches in Manitowoc and Sheboygan, and is open to everyone living or working in Manitowoc, Sheboygan, Kewaunee and Door counties. The credit union serves consumers and small to mid-sized businesses.
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 dating back more than 80 years. Our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today. We embrace a successful and straightforward member-owned cooperative mission: meet the financial needs of our members by empowering them with the knowledge to make informed financial decisions. That's the UnitedOne difference.
To learn more about our services, contact us today! You can book an appointment online to see a Member Service Representative or Mortgage Specialist. You can also call us at 920-684-0361 or 920-451-8222.


Enjoy Great Benefits of UnitedOne Credit Union Membership!
Are you looking to join a bank or a credit union? Look no further than UnitedOne Credit Union. Not only does UnitedOne Credit Union offer great benefits to our members but unlike a traditional bank, UnitedOne is governed by a volunteer Board of Directors composed of UnitedOne members. From its humble beginnings in 1938 UnitedOne has grown to be one of the largest credit unions in the area serving members in Manitowoc, Sheboygan, Kewaunee and Door counties.
What are the advantages of becoming a UnitedOne member you may ask? Well, here is a short list with just a few of many benefits that are UnitedOne members get on the daily basis:
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Customer Service. Compared to banks, credit unions have been known to offer lower fees, higher savings rates, and a more personalized approach when it comes to customer service to their members. UnitedOne is no different as member satisfaction is one of our highest priorities.
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Community Involvement. UnitedOne is passionate about improving the lives of all residents throughout the communities we serve. The credit union and our employees support and sponsor local causes that are important to us all. We are proud of the roles we play in helping our communities and neighbors enjoy better lives and futures. UnitedOne is proud to partner with many local organizations which include Manitowoc and Sheboygan School Districts' Youth Apprenticeship Programs, United Way, Children's Miracle Network, Manitowoc Public School District's in-school credit union branches, and many others.
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Loans. UnitedOne offers a wide variety of loans including vehicle loans, mortgage loans, personal loans, business loans, and many others. Our IMAGINE loans are a great choice for anyone looking to consolidate debt, pay off credit cards, or take care of their medical expenses.
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Free Checking. At UnitedOne we want to reward you for being our member. That's why we are offering FREE Kasasa® rewards checking accounts with no monthly maintenance fees and amazing benefits, like 3% cash back on debit card purchases and nationwide ATM fee refunds.
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Financial Tools. Our aim is to educate our members when it comes to their financial health and give them all the tools available at our disposal to succeed. That is why we provide access to SmartOne Financial Wellness Program, free credit reports, and a wide variety of calculators.
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Digital Banking. With UnitedOne's Digital Banking service your banking goes right with you. Transact business right from your smartphone or tablet. Download the UnitedOne Mobile App for free for 24/7 access to your accounts from anywhere.
So what are the items you’ll need to become a member and open an account at UnitedOne? All we require is for you or an immediate family member to live or work in Manitowoc, Sheboygan, Kewaunee or Door counties. You will also need to provide us with the following items when you open an account:
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Valid driver's license or state-issued photo ID
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Social security number
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Minimum deposit of $5 to open a Primary Share Savings, and an additional $25 for a checking account if ordering checks
Don’t hesitate to contact us if you lack any of the above three items.
Here at UnitedOne we pride ourselves on our amazing customer service, and our dedicated staff who will always help you, no matter where you are in life. No one works harder to provide you and your family with first-class financial services delivered through outstanding personal service. That's the UnitedOne difference and how our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today. Join us today to become a member and enjoy all of our amazing benefits!
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our member service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA.
Trademarks:
Kasasa, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.


Here at UnitedOne Credit Union, taking measures to keep your finances safe and secure is an ongoing mission.
In today’s digital world where more people are transacting business electronically more than ever, it’s unfortunate individuals are working hard to find new scams to target unsuspecting consumers.
One of the best ways to avoid becoming a victim is by becoming an educated consumer. We’re here to help you with the following information to help you keep your account safe.
Tips for Keeping Your Account Safe
- Monitor your account activity regularly by using Digital Banking or Touch Tone Teller, even if you don’t have transactions often. The sooner you identify any potential problems, the sooner we’ll be able to help you fix them.
- Consider setting up free Alerts within Digital Banking, Bill Payer and your credit card. These alerts notify you of activity relating to many different types of transactions. You choose the specific alerts you want.
- Never share PINs, passwords or account numbers for your debit or credit card, Digital Banking, Touch Tone Teller, etc. Do not write them in any place that can be seen or found by others.
- Keep your personal information private. Emails and text messages can be masked to look like they are coming from a trusted source. Do not send your account number, debit or credit card number, Social Security number, passwords, etc. by email or text message, unless you’re using a secure email system with which you are familiar.
About UnitedOne
UnitedOne Credit Union has branches in Manitowoc and Sheboygan, and is open to everyone living or working in Manitowoc, Sheboygan, Kewaunee and Door counties. The credit union serves consumers and small to mid-sized businesses.
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 dating back more than 80 years. Our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today. We embrace a successful and straightforward member-owned cooperative mission: meet the financial needs of our members by empowering them with the knowledge to make informed financial decisions. That's the UnitedOne difference.
To learn more about our services, contact us today! You can book an appointment online to see a Member Service Representative or Mortgage Specialist. You can also call us at 920-684-0361 or 920-451-8222.


Your credit score is a three-digit number that creditors use to assess how likely you are to repay your loans. A high score can help you qualify for the lowest interest rates and gives you the ability to borrow money for purchases.
Here are seven things you can do to make sure your credit score stays healthy:
- Pay back your debts on time. How you’ve repaid past debt is the most important factor (35%) in calculating your credit score.
- Apply for new credit only when you need it. Ten percent of your credit score is determined by how many new credit accounts you’ve opened and the number of times lenders have checked your credit. Another 15% of your score is determined by the length of your credit history. When you add a new account into the mix, the average age of your credit accounts drops.
- Don't co-sign. Be cautious about co-signing a loan, even for family members, unless you are willing and able to take on the payments later, if necessary. If a payment is missed and you don’t pay it, it can negatively affect your credit score.
- Consider keeping starter cards open. Cards designed for people without a credit history, called starter cards, usually have high interest rates and fees, low limits and few rewards. Even though you’ve stopped using them, it’s a good idea to keep them open. This will help the 15% of your score that comes from the length of your credit history. It also will help the even bigger part (30%) of your score that’s based on your utilization ratio: your credit card debt relative to your total available credit.
- Guard your personal information. Be very careful when giving out your Social Security number, birth date, credit card numbers, and other personal information. Use secure websites and be cautious on phone calls. Don’t leave paperwork with this information on it lying around—shred it.
- Regularly monitor all your accounts. Even if you don’t use them, check each account to make sure there aren't charges, such as annual fees, and that no one is fraudulently using your card. Order a free credit report from annualcreditreport.com, the only site sanctioned by the Federal Trade Commission. Stagger your reports from the three reporting agencies so that you get one report every four months.
- Stay diligent. Make sure that the good credit score you’ve worked so hard to build stays that way.
About UnitedOne
UnitedOne Credit Union has branches in Manitowoc and Sheboygan, and is open to everyone living or working in Manitowoc, Sheboygan, Kewaunee and Door counties. The credit union serves consumers and small to mid-sized businesses.
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 dating back more than 80 years. Our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today. We embrace a successful and straightforward member-owned cooperative mission: meet the financial needs of our members by empowering them with the knowledge to make informed financial decisions. That's the UnitedOne difference.
To learn more about our services, contact us today! You can book an appointment online to see a Member Service Representative or Mortgage Specialist. You can also call us at 920-684-0361 or 920-451-8222.


UnitedOne Credit Union has added Lindsay Wiesner as its Business Relationship Manager.
The Manitowoc native is one of less than 100 individuals in the U.S. to have earned an Advanced Diploma and Fundamental Diploma relating to Small Business Administration lending from the National Association of Government Guaranteed Lenders (NAGGL).
“I made the choice to work for UnitedOne for the culture and community involvement,” said Wiesner, who has 10 years of experience working for financial institutions. “Being born, raised and raising my family now in Manitowoc, my community and the future of this community is very important to me, and I wanted to make an impact on the community that has helped mold who I am today.”
Wiesner is a member of the Young Professionals of Manitowoc County Steering Committee, Treasurer of the Boys & Girls Club of Manitowoc County, Secretary of the Monroe Elementary PTA, volunteers for the United Way and has been involved with Junior Achievement of Wisconsin for over five years.
Before working her way up to becoming a Portfolio Manager at a bank, Wiesner earned her associate degree from Lakeshore Technical College and her bachelor’s degree from Silver Lake College. She also obtained Leadership Development Certificates from LTC and Fox Valley Technical College.
“I plan to use all my knowledge I have gained in the financial institutions I served and help the community grow,” she said, “help members work towards their dreams, and help members grow their passions.”
Wiesner and her husband, Tony, have been married for 15 years and have three children. She enjoys live music, watching her children’s sporting events, and relaxing with family and friends.
Wiesner takes pride in going the extra mile to help local businesses prosper. She can be reached at 920-652-2572 or lwiesner@UnitedOne.org.
UnitedOne Credit Union has branches in Manitowoc and Sheboygan, and is open to everyone living or working in Manitowoc, Sheboygan, Kewaunee and Door counties. The credit union serves consumers and small to mid-sized businesses. For more information, visit www.unitedone.org.


IMAGINE consolidating debt.
IMAGINE making car repairs.
IMAGINE paying off student loans.
IMAGINE enjoying things like your dream wedding, family vacation, or something special for yourself!
Can you really get a personal loan to cover almost anything you can IMAGINE? Yes! It's the IMAGINE LOAN, exclusively for UnitedOne Credit Union members!
At UnitedOne Credit Union, we continue to improve and evolve our financial products and offerings to best serve our members. Our IMAGINE LOAN personal loan provides you with the cash you need at low rates with fixed monthly payments.
We created the IMAGINE Loan to assist you in whatever life throws your way. Whether you're a young professional in need of financial assistance with student loan debt, a home down payment, your wedding, a newly retired citizen paying off medical expenses, or finally taking that dream vacation, the IMAGINE Loan is here for you!
IMAGINE Loans are a great way to consolidate debt, which can be a huge relief for anyone with mortgage payments, credit card debt, or other financial obligations. In addition, the IMAGINE Loan is a signature loan; you don't need to provide collateral - only your signature. Plus, great, budget-friendly rates are available:
Applying for an IMAGINE Loan is quick and easy! Fill out the online application, upload all necessary documentation, and wait to be approved by UnitedOne Credit Union. Our team is dedicated to finding the right loan and payment plan that fits your needs and budget.
Do you need a loan but aren't sure if the IMAGINE Loan is right for you? View a complete list of our personal and small business loans. To get started, apply today or schedule an appointment with a Member Service Representative.
Join UnitedOne
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 dating back to 1938. No one works harder to provide you and your family with first-class financial services delivered through outstanding personal service. That's the UnitedOne difference and how our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today.
To learn more about our services or how to apply for a loan, visit our website or call us at 920-684-0361 or 920-451-8222.
Other rates and terms available. Membership Eligibility Required. Contact loans@UnitedOne.org for details. Normal credit standards apply. Call for additional rates.


There are many mobile applications that allow you to carry out most of your personal finance transactions online and on the go.
To keep your financial data safe, keep these security tips in mind:
- Enable a passcode/password on your phone. This will ensure that no one else can simply pick up your phone and access your personal information.
- Enable the auto-lock feature on your phone. This will lock your phone after a certain period of inactivity. Use auto-lock with a password to make sure no one else can access your phone.
- Make sure your security software is up-to-date. When your network carrier sends you alerts that a security or operating system update is available, download it as soon as possible.
- Watch for fake texts or other messages telling you to go to a site or call in. Spam messages can open the door to malware, which software hackers use to disrupt computer operation, gather sensitive information, or gain access to private computer systems.
- Only install applications from trusted sources. Use Google Play Store or Apple App Store and avoid installing apps from unknown sources.
- Avoid public Wi-Fi. The information you send over public Wi-Fi can potentially be seen by others using the network—including hackers. Instead, use your mobile carrier’s network when accessing confidential information.
- Turn off Bluetooth and Wi-fi when not in use. Leaving them on when you are out in public leaves your phone vulnerable to hackers. Only connect to trusted networks.
For more information about how to protect yourself from digital threats and scams, please visit www.unitedone.org/digital-safety.
About UnitedOne
UnitedOne Credit Union has branches in Manitowoc and Sheboygan, and is open to everyone living or working in Manitowoc, Sheboygan, Kewaunee and Door counties. The credit union serves consumers and small to mid-sized businesses.
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 dating back more than 80 years. Our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today. We embrace a successful and straightforward member-owned cooperative mission: meet the financial needs of our members by empowering them with the knowledge to make informed financial decisions. That's the UnitedOne difference.
To learn more about our services, contact us today! You can book an appointment online to see a Member Service Representative or Mortgage Specialist. You can also call us at 920-684-0361 or 920-451-8222.


The elderly, unfortunately, can be viewed as gold mines to con artists, down-on-their-luck relatives or opportunistic acquaintances.
Individuals over the age of 50 control 70% of the country’s wealth, and seniors between the ages of 65 and 74, with an average net worth of $1.06 million, have more assets than any other age group. “That’s where the money is,” says Jay Haapala, AARP associate state director of community outreach in Minnesota. “If college kids had a bunch of disposable income lying around, criminals would be trying to figure out how to scam college kids.”
Dementia, disability and decline can make it even easier for criminals. All told, it is a problem that costs American seniors billions of dollars every year.
In 2021, over 92,000 victims over the age of 60 reported losses of $1.7 billion to the Internet Crime Complaint Center (IC3). This represents a 74% increase in losses over 2020. Many of these targeted scams involve fraudulent wire transfers reaching hundreds of thousands of dollars, specifically targeting the elderly.
The issue of elder financial abuse is likely to continue to grow as an average of 10,000 Americans turn 65 a day, a pace expected to continue through 2030 when all baby boomers will be older than 65, according to the U.S. Census Bureau.
Every May is the nation’s observance of Older Americans Month. This is a good time to bring awareness to scams and mitigation tips to help you better detect and shut down attempts of financial exploitation of the elderly.
Common forms of exploitation
There are myriad scams, unethical businesses and unscrupulous individuals preying on seniors all the time. While the details vary, there are a few familiar scenarios.
Breach of trust: The vast majority of elder financial abuse — as much as 90%, according to the National Adult Protective Services Association — is committed by caregivers or close family members. A son is added to a checking account to help manage mom’s bills and then starts using the account to pay off gambling debts. Or grandpa gives valuables to the housekeeper and eventually — at her suggestion — names her in the will.
Phone scams: Someone calls, ostensibly from the IRS, saying that an individual has a tax bill that is going to rise with interest and fees unless paid immediately. Or someone calls with news that there is a problem with a credit card and they need a Social Security number and birth date to access account information to clear things up.
Phishing scams: As more seniors head online, they grow more susceptible to phishing scams. Phishing emails look as though they come from legitimate sources such as banks or credit card issuers. They ask seniors to click on a link to enter account information in order to verify recent transactions or to rectify problems with accounts. Unfortunately, the links are fake, and criminals use them to gather personal account information, which they use to drain accounts or steal identities.
Risk Mitigation
So, how do you protect yourself and your loved ones from elder financial abuse?
- Never give control of your computer to anyone who contacts you. If you receive a call about a computer problem, hang up. If you suspect something is wrong with your computer or believe the scammer obtained access to it, bring it to a reputable company for a malware check.
- Don't trust phone numbers provided in an email, voicemail, or popup ad. If you want to call the company, use the customer service number on their official website.
- If you are asked to wire money from a recent deposit or overpayment, discuss the situation with a banker, trusted friend or family member. Be truthful about the situation since many scammers direct you to lie about why you're sending money.
- Sign up on the Do Not Call Registry. This prevents businesses from contacting you. Those that do come through either don’t know what they’re doing or don’t care. “Either way,” says Haapala, “you should not do business with them.”
Haapala also reminds seniors to conduct their personal business within the financial services system. Financial institutions, like UnitedOne Credit Union, have fraud protection services that limit an individual’s risk. They also have systems that make it possible to trace funds back to criminals in some instances.
* Source: CUNA Mutual Group
About UnitedOne
UnitedOne Credit Union has branches in Manitowoc and Sheboygan, and is open to everyone living or working in Manitowoc, Sheboygan, Kewaunee and Door counties. The credit union serves consumers and small to mid-sized businesses.
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 dating back more than 80 years. Our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today. We embrace a successful and straightforward member-owned cooperative mission: meet the financial needs of our members by empowering them with the knowledge to make informed financial decisions. That's the UnitedOne difference.
To learn more about our services, contact us today! You can book an appointment online to see a Member Service Representative or Mortgage Specialist. You can also call us at 920-684-0361 or 920-451-8222.


Kylie Mallmann and Zachary Zdziarski are the recipients of UnitedOne Credit Union’s two $1,000 scholarships for the 2022-23 academic year.
Mallmann, a Sheboygan native, is a forensic anthropology major at the University of Wisconsin-Oshkosh. Her goal is to work for the F.B.I. one day.
“UnitedOne has always supported my needs in teaching me how to better manage my finances,” Kylie said, “and I could not have learned as much as I did about money if it wasn’t for this company growing up.”
Zdziarski is a senior at Manitowoc Lincoln High School. He plans to attend the University of Wisconsin-Eau Claire and study psychology.
“It means a lot,” Zach said. “It’s such a great organization. UnitedOne offers so many unique services, and I’m just so proud to be able to be a recipient of this.”
Each year, UnitedOne offers one scholarship to a Manitowoc County resident and one to a Sheboygan County resident. Mallmann and Zdziarski were chosen by an independent panel, which judged applicants based on a written essay.
About UnitedOne
UnitedOne Credit Union has branches in Manitowoc and Sheboygan, and is open to everyone living or working in Manitowoc, Sheboygan, Kewaunee and Door counties. The credit union serves consumers and small to mid-sized businesses.
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 dating back more than 80 years. Our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today. We embrace a successful and straightforward member-owned cooperative mission: meet the financial needs of our members by empowering them with the knowledge to make informed financial decisions. That's the UnitedOne difference.
To learn more about our services, contact us today! You can book an appointment online to see a Member Service Representative or Mortgage Specialist. You can also call us at 920-684-0361 or 920-451-8222.


It is amazing how much you rely on your smartphone each day. It is used to store contacts, access emails, share photos, record videos, navigate maps, follow the news and send that funny meme with friends in a group text. Why not keep your debit card there as well?
A Mobile Wallet is a way for you to pay for purchases using a mobile device (smartphone, tablet, smartwatch, etc.). A variety of cards can be stored in your wallet. Your card information is stored on your mobile device in a digital and secure format, in Apple Pay®, Samsung Pay® or Google Pay™. Your device determines which option you can use. All you need from UnitedOne Credit Union to enroll is your checking account and an active Visa® debit card.
Explore three reasons why adding your UnitedOne debit card to the Mobile Wallet app on your smartphone will benefit you!
1. Reduce Fraud
The data stored in a Mobile Wallet is encrypted, so your actual account number isn’t visible. In place of transmitting the actual account number, a Mobile Wallet uses encrypted payment codes that rely on security features, like biometrics or your smartphone’s passcode, to authorize payments.
2. Save Time
With a Mobile Wallet, you can pay quickly by holding your smartphone over a terminal and verifying the purchase. You can also forget about typing in card numbers when shopping online by using a Mobile Wallet, which will reduce the number of places your card is stored without sacrificing a speedy checkout.
3. Travel Lighter
Whether you’re traveling across the country or just taking a jog across town, pack a little lighter when you go out by using a Mobile Wallet. It’s a great way to be able to make payments without having to worry about losing a card or cash.
Questions?
Discover more and get your questions answered on our Mobile Wallet page.
About UnitedOne
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 dating back more than 80 years. Our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today. We embrace a successful and straightforward member-owned cooperative mission: meet the financial needs of our members by empowering them with the knowledge to make informed financial decisions. That's the UnitedOne difference.
To learn more about our services, contact us today! You can book an appointment online to see a Member Service Representative or Mortgage Specialist. You can also call us at 920-684-0361 or 920-451-8222.
Ukrainian relief efforts are being launched across the nation. Unfortunately, as with most national or global tragedies, the scam artists quickly arrive and prey on the empathy of individuals with fundraising schemes. If you are making donations, it is always encouraged to conduct proper due diligence to ensure funds are going to legitimate organizations and recipients.
Consider these risk mitigation tips:
- Do not click on a link or attachment to donate online in an email received from someone unknown to you.
- Do not provide personal identifying information or debit/credit card numbers in response to an unsolicited charitable request.
- Resist high pressure tactics and those with a sense of urgency. Be aware of direct emails from “victims” and solicitors who have a heart-wrenching story.
- Research the organization requesting the donation and if you do not feel comfortable, proactively research charitable organizations you may be more familiar with if you would like to donate.
- Be wary of proactive outreaches requesting wire transfers and cryptocurrency and do not donate gift cards.
- If donating to a charity’s website, make sure the website is secure, your internet connection is secure, and your computer is equipped with the latest anti-virus protection.
- If possible, always pay by credit card, which offers additional layers of protection.
About UnitedOne
UnitedOne Credit Union has branches in Manitowoc and Sheboygan, and is open to everyone living or working in Manitowoc, Sheboygan, Kewaunee and Door counties. The credit union serves consumers and small to mid-sized businesses.
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 dating back more than 80 years. Our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today. We embrace a successful and straightforward member-owned cooperative mission: meet the financial needs of our members by empowering them with the knowledge to make informed financial decisions. That's the UnitedOne difference.
To learn more about our services, contact us today! You can book an appointment online to see a Member Service Representative or Mortgage Specialist. You can also call us at 920-684-0361 or 920-451-8222.


Is it just us, or does it seem like living life is just a bit (okay, a lot) more expensive these days? You're hit with reminders every time you go to the gas station or every time you visit the grocery store – the things you need to live your life are costing you more and more money. But even though you may have a little bit less money in your wallet these days, that doesn't mean that there still aren't essential purchases you need to make in the near future.
Fortunately, the experts at UnitedOne Credit Union have some tips on how you can get into the car you need without breaking your budget.
Determine How Much Car You Can Afford
Part of the budgeting process is understanding what car you can actually afford versus your dream car. Use our online auto loan calculators to estimate a loan payment and shed light on how much car you can buy. Once your budget is defined, navigating the car buying experience will be much smoother, even before setting foot into a dealership.
Keep Total Costs in Mind
Once you determine what you can afford, remember to factor in the additional costs of owning a vehicle. Outside of the sticker price, here are questions to ask as you create your total car expense budget:
- Do you have a trade or down payment to help reduce monthly costs?
- Is the car reliable? Have you searched for information and reviews of the model you want to buy?
- What about administrative costs such as the monthly insurance premium and annual license plate fees?
Also, remember to set aside cash for routine maintenance unexpected expenses. Creating a budget for a car can be helpful. Here are a couple of tips:
- Limit total transportation cost to 25% (or lower) of your take-home pay.
- Set your budget and stick to it. Resist the temptation to go above what you can reasonably afford.
Lease vs. Buy
Depending on your financial situation and goals, leasing might be the better option. Leasing often offers lower monthly payments and out-of-pocket costs. A down payment for purchasing a car can be up to 20%; leasing usually has little or no down payment requirement. Additionally, when you lease, most car repairs are covered by a manufacturer's warranty. If you want to weigh your financial options, use our online lease vs. buy calculator.
Budgeting for a car is a big decision. Be patient during the process, and think about your overall budget and long-term financial goals before you sign on the dotted line. If you are looking to finance a new car, truck, motorcycle, SUV, ATV, or boat, be sure to check out our upcoming Loanapalooza event! Stay tuned for details!
About UnitedOne
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 dating back more than 80 years. Our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today. We embrace a successful and straightforward member-owned cooperative mission: meet the financial needs of our members by empowering them with the knowledge to make informed financial decisions. That's the UnitedOne difference.
To learn more about our services, contact us today! You can book an appointment online to see a Member Service Representative or Mortgage Specialist. You can also call us at 920-684-0361 or 920-451-8222.
That's the UnitedOne difference and how we're here for you when you need us. It's part of providing you with the convenience and best customer service we possibly can. However, sometimes we need to contact you regarding your accounts. That's why it's important to keep your contact information (i.e., address, email, phone number) current and up-to-date.
We know that when you move to a new home or change your phone number, it comes with an endless list of places you need to notify, including your utility providers, your employers, family, and friends. However, anytime your contact information changes, it's essential to notify your financial institution. You might think that as long as your Visa® Debit Card or Digital Banking is accessible, you don't need to update your information. However, there are various reasons to keep your contact information up-to-date.
Reasons to Update Your Contact Information
- Security. At UnitedOne, we are committed to reviewing your accounts for any potential fraudulent behavior. For example, let's say we notice transactions on your debit or credit that are outside of your usual spending patterns. Since fraud is suspected, our course of action is to block the card and follow up with a phone to determine if fraud has occurred. If your phone number is not current, we can't inform you of potential identity theft, plus you experience the inconvenience of having your card blocked without knowing why. While we have digital security measures to protect your accounts, our digital safety brochure provides tips for protecting yourself from digital threats and scams.
- Relaying Information. Our goal is to make all member's experiences with us as convenient as possible. Sometimes, we need to send out a required legal notice or inform you that a service is unavailable due to system maintenance, power outage, or other issues. While we try to perform maintenance during off-peak hours when it's the least inconvenient to our members, sometimes that's not possible. In that case, we would provide our members as much notice as possible via email or text message.
- Account Alerts. When you subscribe to Alerts on your UnitedOne Digital Banking account, you receive personalized notifications to your mobile phone or email. These notifications can help protect your account from overdrafts, remind you of payment dates, and track account activity. For example, you can set an alert such as "let me know when my balance falls below $50" or "your loan payment is due in five days."
How To Update Your Information
Updating your contact information is easier than you may think! You can stop in at one of our convenient locations or call our Manitowoc office at (920) 684-0361 or our Sheboygan office at (920) 451-8222. You can also log in to your Digital Banking or mobile app to update or change your information.
This is also the perfect time to make sure your elderly parents and or grandparents update their information. If you have any questions about your account information, please do not hesitate to contact us. We are always here to help!
About UnitedOne
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 dating back to 1938. No one works harder to provide you and your family with first-class financial services delivered through outstanding personal service.


The holidays are the most wonderful time of the year—until you open your credit card statement in January. Suddenly, any lingering holiday excitement is gone, and you find yourself trading in the fun and festive spirit for some post-holiday financial stress.
If you’re experiencing that letdown period after the holidays, you’re not alone. According to a survey by Magnify Money, the average American racked up $1,381 in holiday debt in 2020, increasing 5% from last year. Additionally, 66% reported feeling stressed about their holiday debt.
If you’ve overspent your budget, UnitedOne Credit Union has some tips to help you consolidate and pay off your holiday debt quickly.
Holiday Debt Payoff Tips
Add Up Your Debt
First, calculate your total holiday debt and prioritize bringing it to zero by reworking your household budget. This may mean you’ll have to pause on some financial savings goals or make some temporary spending sacrifices. To make aggressive payments, borrow money from flexible categories (i.e., entertainment, restaurants) and use those additional funds toward the debt payoff category.
Select Your Approach
There are two popular ways to pay off your credit card and personal loan balances: snowball and avalanche methods.
- Snowball method. This approach targets the smallest debts first, so eventually, have fewer payments to manage each month. In addition, with the snowball method, you have the satisfaction of eliminating one creditor at a time, which can help keep you motivated to pay off your debt.
- Avalanche method. By targeting debt with the highest interest rates with the avalanche method, you save on overall interest. The goal is to pay above the minimum payment on the high-interest accounts while paying the minimum on the others. You won’t get the satisfaction of eliminating each debt, but you’ll reduce your costs over time.
Consider Debt Consolidation
If you already had existing debt before holiday spending, debt consolidation might be the answer. Debt consolidation loans allow you to combine all your balances (i.e., credit cards, auto loans, installment debts) into one easy monthly payment. These loans often offer fixed payments, lower interest rates and no origination fee with qualified credit. Additionally, you’ll have a range of repayment terms, so you can choose one that meets your financial needs. UnitedOne has various personal loan products, including the Holiday Loan Helper, IMAGINE Loans, and Kwik Cash Line of Credit.
To figure out if debt consolidation is right for you, use our Personal Debt Consolidation Calculator.
Put Extra Funds Toward Debt Repayment
If you have extra money leftover in your monthly budget, those funds should go towards your debt. Additional funds can include an unspent holiday bonus, monetary gifts from relatives, and even your upcoming tax return. Allotting that money toward your unpaid balances ultimately supports your financial bottom line: quickly paying off your holiday debt.
Join UnitedOne
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 dating back to 1938. No one works harder to provide you and your family with first-class financial services delivered through outstanding personal service. That's the UnitedOne difference and how our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today.
To learn more about our services or how to apply for a holiday loan, visit our website or call us at 920-684-0361 or 920-451-8222.
Other rates and terms available. Membership Eligibility Required. Contact loans@UnitedOne.org for details. Normal credit standards apply. Call for additional rates. Equal Housing Opportunity.
Sources
https://www.magnifymoney.com/blog/news/2020-holiday-debt-survey/
https://www.investopedia.com/articles/personal-finance/080716/debt-avalanche-vs-debt-snowball-which-best-you.asp
Inflation. This term is mentioned a lot these days from the general economy to regular household products. But, what is inflation, exactly?
According to the Bureau of Labor Statistics, inflation is defined as “the overall general upward price movement of goods and services in an economy.” In simpler terms, it means we’re paying more for just about everything. While inflation is unpleasant to our checking and savings accounts, a modest level of inflation is a sign of a strengthening economy. However, that brings little comfort to those who need to get creative and find ways to stretch our paychecks further.
Whatever your current financial situation, there are ways to protect yourself from the effects of inflation.
Tips to Fight Inflation
Buy in bulk. As we’ve witnessed during the pandemic, some items increase in price faster than others (i.e., toilet paper, any form of antibacterial cleaner). Monitor the cost of items you buy most or know you’ll need in the near future, such as frozen foods, non-perishable pantry items, and cleaning products. Consider stocking up on these items now to combat increased costs later, but let’s not panic buy and re-create the toilet paper shortage of 2020!
Purchase big-ticket items now. If you’re thinking about purchasing a new car or household appliance - don’t wait! These big-ticket items typically rise in cost quicker and exponentially during inflation. Waiting too long to make your purchase could add hundreds, even thousands, to the price. That being said, if you are looking to make your purchase, invest in a long-lasting, quality product that won’t need replacement or service anytime soon. You might pay more up front, but your maintenance and interest costs will be lower.
Examine your current debt. Most of us have debt in the form of car loans, credit cards, and mortgages. In this case, inflation can work to your advantage. How? Inflation allows you to pay back your lenders and creditor with money worth less than it was originally borrowed. However, this advantage is only effective for fixed-rate loans. If history has taught us anything, inflation and higher interest rates go hand in hand. If you have an adjustable- or variable-rate loan, consider refinancing to a fixed-rate sooner rather than later.
Reassess your budget. We have less buying power during inflation as our dollar doesn’t go as far. Now is the perfect time to create or reassess your budget, focusing on the expense categories greatest affected by inflation such as food, utilities, transportation, and healthcare. Look into ways to stretch your budget further including shopping at less expensive stores or cutting back on non-essential expenses.
Invest in stocks. Investments - such as 401k savings and retirement plans - are one of the most effective long-term ways to beat inflation. If you’re able, consider adding more to your investment assets or shift your short-term savings (i.e., money markets) into longer-term, more profitable options. Remember to keep your emergency funds in a separate, accessible account should you need it.
Purchase a home. Real estate usually maintains or increases its value over time, making a financially-savvy way to beat inflation. When you rent, your landlord will likely raise your monthly rent at the level of inflation. However, if you own and have a fixed-rate mortgage, your monthly payment remains the same - thus protecting you from the effects of inflation. Plus, the replacement value of your home is likely to increase because the cost of land, materials, and labor are all rising with inflation. If you’re thinking about a home purchase or refinancing your existing mortgage, now is a good time to make your move.
You can’t control how inflation fluctuates. However, you can control your financial decisions and make choices today that will help you manage inflation going forward.
Join UnitedOne
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 dating back to 1938. No one works harder to provide you and your family with first-class financial services delivered through outstanding personal service. That's the UnitedOne difference and how our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today.
To learn more about our services or how to become a member, visit our website, schedule an appointment, or call us at 920-684-0361 or 920-451-8222.
Sources
https://www.bls.gov/bls/inflation.htm
https://www.washingtonpost.com/national/coronavirus-toilet-paper-shortage-panic/2020/04/07/1fd30e92-75b5-11ea-87da-77a8136c1a6d_story.html
https://www.forbes.com/sites/adamstrauss/2021/08/31/seven-personal-finance-ideas-to-combat-inflation/?sh=4d4fffda767b
https://www.investopedia.com/articles/basics/10/protect-yourself-from-inflation.asp
UnitedOne Credit Union is committed to bettering the lives of those in our communities. By embracing the credit union philosophy of 'People Helping People,' we deliver cost-saving financial products, support local organizations, and empower our employees via training so we can better serve our members and our community.
As a local credit union, we're dedicated to investing in and giving back to our community. Take a look back at some of our community connections in 2021:
Affordable Financial Products
Our annual spring auto loan promotion, Loanapalooza, offered great vehicle loan rates as well as a chance for our members to win $1000 dollars. UnitedOne also donated $5000 to local 501c3 organizations during this promotion as our way of sharing the love and giving back.
Volunteering
We volunteer with various organizations, making a meaningful contribution to the betterment of our communities. Here are a few of the things our staff did in 2021.
- Adopt-A-Highway
- Bell Ringing with the Salvation Army
- Day of Caring with United Way
- Habitat of Humanity
- Ryder Cup
- And much more!
View more ways UnitedOne connects with our communities.
Scholarships
We're here to help you succeed! For several years, UnitedOne has given a $1,000 scholarship to one recipient in Manitowoc County and one in Sheboygan County to continue their education. Congratulations to Camille Nelson, who is pursuing a Nursing degree at Minnesota State University - Mankato, and Lila Thao, studying Nursing at Lakeshore Technical College in Cleveland.
Schools
We are happy to be back in our local schools for the 2021-2022 school year! We work with our local educators and leaders to find ways to help our students build strong financial habits they can use for a lifetime.
UnitedOne provides Manitowoc Public School District with in-school student-run credit union branches at Monroe Elementary, Jefferson Elementary, Jackson Elementary, Washington Middle School, Wilson Middle School, and Lincoln High School.
Staff Development
This year, we had an excellent, in-person, all-staff training and education session where we heard from various thought-leaders within our communities. The information gathered was taken back to our branches to help better serve our members.
UnitedOne has been a part of our local community since 1938 – that's more than 80 years of being part of our community and helping members build financial strength. We are part of the community. We live here, work here, our kids attend school here, and we volunteer here.
In 2021, UnitedOne employees volunteered more than 2,000 hours within our community – an investment in our future. Expect more of the same in the upcoming year as we continue to deliver services that go beyond the expectations of our members and community.
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 is now serving over 22,000 members in 4 Wisconsin Counties. We embrace a successful and straightforward member-owned cooperative mission: meet the financial needs of our members by empowering them with the knowledge to make informed financial decisions. That's the UnitedOne difference.
Book an appointment online to see a Member Service Representative or Loan Officer today! Or call us at 920-684-0361 or 920-451-8222.
The holiday shopping season is upon us! If you're like the majority of shoppers, you'll probably be making most of your gift purchases online.
While there are the well-known retailers you are familiar with, don’t forget that a lot of small and local businesses also have online storefronts available to shop. Shopping locally, even online, is a great way to support your local economy and community. Visit The Chamber of Manitowoc County for a list of all local businesses who also have an online storefront.
According to the National Retail Federation (NRF), online shopping is the busiest during the winter holidays. Unfortunately, due to an increase in shopping, it's also the season when online scammers shop for victims. A 2020 Experian survey reports that 25 percent of Americans have been victims of fraud during the holidays.
At UnitedOne Credit Union, keeping your finances safe and secure is an ongoing mission. One of the best ways to protect your accounts is to become an educated online consumer. Our Digital Safety brochure outlines online security practices you can use year-round.
Here are some additional tips to help keep you and your accounts safe as you make your holiday purchases from the comfort of your own home:
- Select credit for online purchases. Use a credit card rather than a debit card whenever possible. When you use a debit card, your money is immediately taken out of your account, and it can be tough to get it back. If you select credit and there is a problem with a transaction, you can dispute the charges.
- Choose trusted retailers. Shop with familiar businesses you know and trust. Nowadays a lot of local small businesses also have online stores available. If you plan to buy from a new or unfamiliar company, check for background information. By being selective while shopping online, fewer retailers have your information on file and, therefore, can keep track of it easier.
- Monitor your accounts. Check your accounts regularly using the Internet or mobile banking - especially if you're doing a lot of online shopping during the holidays. The sooner you notice suspicious activity, the sooner we can help you fix the issue. However, to better protect yourself and your assets, do your due diligence and make checking your statement part of your financial routine.
- Use strong passwords. Most retailers will prompt you to create a secure password, but it's good practice to use a strong password on all websites. Your password should use a combination of upper and lower case letters, numbers, and special characters. Avoid using words or phrases personally related to you, such as a pet's name, street address, or family name. Longer passwords are harder to crack, as are ones that replace letters with special characters.
- Use multi-factor logins. If a website offers a multi-factor login option, opt for this extra layer of security whenever possible. Multi-factor login requires not only a password but confirmation from another device only you possess, such as your mobile phone.
- Invest in anti-virus software. Whether you have a Mac or PC, licensed anti-virus software is a must for online safety. Set your computer to check for automatic updates. Or, instead of having the update download automatically, manually download updates to ensure the best protection from viruses and malware.
- Avoid using public computers or Wi-Fi. If you're viewing your account information on a public domain, it's safe to assume that your browser history and password are accessible to others. Even if your sites are set up with automatic password protection, you can still be at risk. If you must do your shopping on a public WI-FI domain, consider installing and using a virtual private network (VPN). VPNs create an encrypted connection to protect the information you share with an online merchant.
- Check Site Security. Before making an online purchase, make sure the website uses secure technology. When you are at the checkout screen, verify that the web address begins with "HTTPS." Make sure your browser's padlock or key icon by the URL is active when making purchases online.
If you have any questions about your financial safety or believe your account has been compromised, please do not hesitate to contact us. We are always here to help! You can contact us by calling either our Manitowoc office at (920) 684-0361 or our Sheboygan office at (920) 451-8222, or by sending us an email.
About UnitedOne
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 dating back to 1938. No one works harder to provide you and your family with first-class financial services delivered through outstanding personal service. That's the UnitedOne difference and how our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today.
Sources
https://chambermanitowoccounty.org/shopmanitowoccounty-com/8452/
https://www.experian.com/blogs/ask-experian/survey-some-consumers-would-risk-identity-theft-for-an-online-holiday-deal/


When COVID-19 limited in-person financial services, many of our members turned to online banking for the first time. What was once considered a convenience is now a necessity for our community. Recent research from J.D. Power shows that nearly one-third of consumers use online banking more than they did pre-COVID. The same study reveals less than 50% of consumers plan to return to "banking as usual" post-pandemic.
Online banking is here to stay. At UnitedOne Credit Union, we offer the convenience of Digital Banking.
What is Digital Banking?
Put simply; Digital Banking is the branch that never closes. Our Digital Banking allows you instant access to your money 24/7/365 from your computer, tablet, or phone—all in the comfort of your home. It eliminates the need to visit a bank branch for most services. Plus, you can do your banking when convenient for you, even if it's outside of regular business hours.
With UnitedOne's mobile app, your money goes right with you! Easily access online banking on your phone. If you're shopping, you can conveniently view your accounts, transfer funds to avoid overdrafts, and check to ensure you haven't been double-charged for a transaction. Download the UnitedOne Apple or Android mobile app for FREE for 24/7 access to your accounts from anywhere.
In addition to convenience, Digital Banking allows you to:
- Check your balances
- Make loan and bill payments
- Transfer funds between accounts
- View your transaction history and monthly statements
- Sign up for text message and e-mail E-Alerts for your accounts
When you use Digital Banking, you not only have convenience but peace of mind that your money is secure - no matter where life takes you!
In addition to Digital Banking, we also have Personal Teller Machines and virtual appointments to help our members with their banking.
What is a Personal Teller Machine?
If you're out and about and have questions about your account, UnitedOne has you covered! Our Personal Teller Machines (PTMs) provide a LIVE Video Teller (with extended business hours) and the 24/7 functions of an ATM!
A PTM is a convenient, electronic way to assist you with your banking transactions while providing the face-to-face personal service you've grown accustomed to at UnitedOne. Although it resembles an ATM, you can select the teller option and a live teller will help you through a video chat. We decided to add PTMs to select drive-thrus to improve your member experience and provide you with additional service hours. Our PTMs offer the same personal service and consistent care you receive now, just in a more efficient manner. PTMs are available at our Manitowoc and Sheboygan locations.
And don’t forget that we also offer Virtual Appointments to supplement our PTM and Digital Banking services. You can enjoy the convenience of making an appointment to see a Member Service Representative, Loan Officer or Mortgage Specialist from wherever you are!
Join UnitedOne
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 dating back to 1938. No one works harder to provide you and your family with first-class financial services delivered through outstanding personal service. That's the UnitedOne difference and how our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today.
To learn more about our services or how to become a member, visit our website, schedule an appointment, or call us at 920-684-0361 or 920-451-8222.
Sources
https://thefinancialbrand.com/news/digital-banking/digital-online-banking-coronavirus-95735/


The holiday season is just around the corner. Whether you have already started shopping for the perfect gifts, or you are more of a last-minute shopper, when you shop this season, remember to shop local! This is a great way to give back to your local community.
And what better way than using a debit card that also earns you cash back rewards with every purchase!
To reward our members, we offer FREE Kasasa® rewards checking accounts with no monthly maintenance fees and amazing benefits, including cash back on debit card purchases and refunds on ATM (automated teller machine) withdrawal fees nationwide.
Click to read more on what rewards come with each of our Kasasa checking accounts!
All UnitedOne Kasasa Checking Accounts Also Include the Following Benefits:
- NO monthly maintenance fees
- NO minimum deposit to open
- Refunds on ATM withdrawal fees, nationwide (restrictions apply)
- Free Digital Banking with Bill Payer
- Free mobile app (including Mobile Deposit)
- Free Visa® Debit Card
At UnitedOne Credit Union, we’re all about putting the benefits where they belong — back in your pocket. Open a free Kasasa®Checking Account with awesome rewards, and start your holiday shopping with confidence!
And if you add our FREE Kasasa Saver®, your account will automatically collect earned Kasasa® checking rewards so you’ll earn dividends on your balance and help your savings to grow.
To learn more, send us an email or call us at 920-684-0361(Manitowoc) or 920-451-8222 (Sheboygan).
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 dating back to 1938. No one works harder to provide you and your family with first-class financial services delivered through outstanding personal service. That's the UnitedOne difference and how our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today.


Financial literacy in younger generations entering adulthood is more important than ever! Whether it’s understanding the financial responsibility surrounding loans or building a savings, UnitedOne Credit Union wants to educate young adults about being responsible with their money.
To develop strong financial habits, we offer a fantastic program to help both children and young adults grow and develop their financial literacy: a student-run credit union branch. So what exactly is this program, and how has it brought a positive impact to the students involved?
The objectives of our student-run branches at the local schools are to collaborate with parents and educators to help students to be responsible consumers, develop good saving habits, and give students a tactile, authentic learning experience.
Why Financial Education Matters
Following the Coronavirus pandemic, there is an added increase of importance in financial literacy for young adults. In the following years, these young adults will face the financial result of the pandemic around the world.
Preparing students of the future to navigate their own unique experiences is vital. Educating them to capitalize on their resilience financially will prepare them to plan their financial futures using critical thinking skills.
Additionally, when asked if they understand loans and credit, many students cannot produce an answer. These are just as crucial for students to understand, in addition to the importance of savings. Interest that comes with automotive loans, student loans, and the like should not be lost on a young adult when buying their first car or considering higher education.
Part Of The Solution
By having an in-school student-run credit union branch, students not only learn about the inner workings of a financial institution, but simultaneously experience a real-world simulation of the value of money. Because they get to work as student tellers during lunch periods, they also receive first-hand experience in holding down a job where they earn an income.
Outside of financial literacy, the students also learn how to work as a team, take responsibility for their professional actions, and understand the basic steps of a job application and interview process. All of these invaluable skills become part of educating a student, just as art, math, science, and other subjects do.
As of the 2021-2022 school year, UnitedOne Credit Union has a total of 7 student-run credit union branches in the Manitowoc Public School District. We are in four elementary schools: Jackson, Jefferson, Monroe, and Madison. We are also at Washington Middle School, Wilson Middle School, and Lincoln High School. Aside from the job of a teller, the students are also responsible for marketing their student-run branch to their peers.
UnitedOne Credit Union
We’re proud of our strong history with the Manitowoc Public School District, dating back to the opening of our first school branch at Monroe Elementary in 1996.
Being a member-owned not-for-profit financial institution that is passionate about improving the lives of those in the communities we serve, UnitedOne Credit Union’s legacy dates back nearly eighty years! UnitedOne Credit Union continues to serve the financial needs of Manitowoc, Sheboygan, Kewaunee, and Door counties.
Sources
https://www.letsmakeaplan.org/financial-topics/articles/financial-planning/financial-literacy-why-its-important-at-every-age
https://www.cnbc.com/2021/04/06/financial-education-would-have-helped-people-manage-money-during-covid.html
https://youth.gov/youth-topics/financial-capability-literacy/facts


A hotly debated topic in the United States is by and large student loans. The amount a student of any age borrows, the interest accruing over time, and the debt ceiling are fast becoming the reason many postpone or eliminate entirely their pursuit of higher education.
All student loans are not created equal; there are actually several different types of student loans tailored to specific majors. This new-age variety of student loans is a way to better direct prospective students in a fiscally responsible way as they pursue a degree or certificate.
UnitedOne Credit Union looks to dive deeper into what types of student loans an individual should apply for when pursuing a specific degree. In addition to that, UnitedOne Credit Union offers student loans.
A Variety of Student Loans
From attending everything from a certificate program to nearly a decade of medical school, what you major in matters when selecting a student loan. Diverse financing options are structured to fit the framework of what you are pursuing.
For example, if you are planning to become a dentist, a Dental School Loan covers studies ranging from general dentistry, endodontics, oral surgery, and more. This loan facilitates a longer term payoff timeline of up to twenty years, compared to something like an MBA Loan that only takes fifteen years.
Conversely, if you are not the student but a parent of one, a Parent Loan allows you as a creditworthy individual to take out a loan for a prospective student who might not qualify on their own. The loan term of merely ten years makes this loan favorable for those parents who have students attending certificate programs or Associate’s Degrees.
Student Loans
Although the medical industry is certainly hoping to draw in more doctors, nurses, and surgeons of the future, even more individuals are seeking associate’s degrees, certificates, and a variety of undergraduate degrees as a way to move up in their current careers.
Other benefits of a student loan include, but are not limited to, in-school repayment options to lighten your debt after graduation, no origination fees or prepayment penalties, and rates that reward creditworthy individuals, whether that is you or a cosigner.
UnitedOne Credit Union
UnitedOne Credit Union is a member-owned not-for-profit financial institution that views customers as family. With a legacy dating back nearly eighty years, UnitedOne Credit Union works tirelessly to serve the financial needs of Manitowoc, Sheboygan, Kewaunee, and Door counties.
Sources
https://www.adea.org/GoDental/Money_Matters/Types_of_loans.aspx


Save time and energy with UnitedOne’s Online Appointment Maker. Enjoy the convenience of making an appointment with a Member Service Representative (MSR), Loan Officer, or Mortgage Specialist from the comfort of your home or wherever you are.
We offer a variety of options to meet with one of our banking specialists. Save a trip to the branch by using a video or phone appointment to help with your banking needs. The technology is easy to use, confidential and secure. Our specialists are here to help you at your convenience.
You can book a virtual appointment to talk about almost any service we offer including:
- Loans & Mortgages
- Personal Accounts, Loans, & Services (i.e. new memberships; opening a new checking, savings, money market, or IRA account)
- Business Accounts, Loans, & Services (i.e. checking, credit card, merchant services)
- Other Financial Needs (i.e. notarizing documents)
- Curbside Pickup
After you choose your desired service, you can select the location of your appointment:
- Video Call. Schedule a secure and confidential face-to-face consultation. Video appointments can be attended by computer, tablet, or smartphone. Please note that video calls require a camera or webcam, mic, and an internet connection.
- Phone Call. Talk at a time that’s convenient for you. Schedule a confidential phone appointment at a time convenient for you. An MSR will call you at the number you provided.
- In-person. Save time waiting in line by scheduling an appointment ahead of time. If you are not feeling well, please stay home and schedule a phone or video appointment.
Once your meeting preference is selected, you can pick the date and time that works best with your schedule. For added personalized, you can also schedule with the MSR of your choice. Continue by filling out your name and contact information, click “Book Appointment,” and you’re scheduled! For virtual video appointments, a link will be sent to your email after confirmation.
Virtual appointments are designed for your convenience. By scheduling a virtual appointment, a UnitedOne Credit Union specialist will be ready for you at your selected date and time to discuss your financial needs. You can save a trip to the branch and not worry about waiting in line.
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 dating back to 1938. No one works harder to provide you and your family with first-class financial services delivered through outstanding personal service. That's the UnitedOne difference and how our "We're here because you're here" philosophy continues to grow our reputation of strength, stability, service, and convenience today. To learn more about our services or how to become a member, visit our website, schedule a virtual appointment, or call us at 920-684-0361.
Cars are a necessity in our lives, ones that come bearing a price tag much higher than other commodities like groceries and water. If you are one of the lucky few who can simply write a check for a new car, good for you!
However, the reality is that most do not have this luxury, and therefore must seek financing for their new vehicle. As the excitement of your test drive wears off, the reality of monthly payments and interest rates sets in as you hope to find a reasonable auto loan.
Auto dealers offer 0% annual percentage rates (APR) to draw in customers with the luster of paying no interest for a year. However, 0% APR is largely misunderstood by those seeking loans for a new vehicle, leaving them with more than they bargained for.
Reserved For Good Credit
An interesting fact about 0% APR is that they are marketed to those without stellar credit while they actually only benefit those individuals who either have phenomenal credit or hardly need a loan.
Getting approved for a loan is contingent on the risk you pose to a bank. Someone with bad credit or no equity is risky, and the institution will lose money if that person defaults on their loan. Therefore, most who apply for 0% APR auto loans because of apparent cost savings will most likely not qualify for them.
Even if you do, the terms are rigorous. Firstly, the monthly payments are higher to make up for not charging interest, and in the event you miss even one payment, interest on that instantly compounds, defeating the purpose of 0% APR.
In Comparison To A Credit Union
To finance your new car through a credit union like UnitedOne Credit Union gives you as the borrower far more flexibility. Not only are the interest rates competitive, but you can extend your financing much farther to make monthly payments smaller.
Being not-for-profit institutions, those with lower credit scores will more likely qualify for a vehicle loan through a credit union than a bank, which is a for-profit business owned by shareholders. There is less risk and more flexibility when shareholders don’t hold power in a financial institution.
The lack of shareholders allows credit unions to focus more on your life circumstances. For example, if a time comes where you suffer a loss of income, a credit union has the ability to be forgiving both on interest and your credit score if you are late on a payment.
Always Consider Your Situation
When you purchase a new vehicle, it is important to consider what works for you as the borrower. You need to select an option where your monthly payments are manageable and don’t put you in a position where your cash flow suffers.
UnitedOne Credit Union is a member-centric financial cooperative, looking to help buyers secure a vehicle loan that fits their lifestyle and puts their financial mind at ease.
Visit UnitedOne.org to explore your new automobile purchase options!
You can also book an appointment to meet with a Member Service Representative today.
Since 1938 UnitedOne Credit Union has grown to be one of the largest, member-owned, non-profit financial institutions. We serve everyone who lives and works in Manitowoc, Sheboygan, Kewaunee, and Door counties. UnitedOne is passionate about improving the lives of all residents throughout the communities we serve. The credit union and our employees support and sponsor local causes that are important to us all.


Credit scores are an important part of your financial health. You want a good credit score because it can unlock many savings and benefits, including access to loans and credit cards with the most favorable terms. If you need to establish credit or rebuild poor credit, one of the first things you should do is open a checking or savings account. If you’re choosing between a big bank and a credit union, there are many reasons why going with a credit union is a better choice.
Lower Loan Rates
Since credit unions are member-owned, it’s in their best interest to do whatever they can to help their members succeed. One of the primary ways they accomplish this is to reinvest earnings into loan programs with lower interest rates than most traditional lenders. Lower rates mean more affordable payments, which gives you a better chance to keep up with your payment schedule and re-establish a positive payment history.
Fewer Fees
Credit unions are member-owned financial cooperatives. This unique business model allows them to invest earnings back into products and programs that benefit members in the form of fewer fees and lower interest rates. Since we’ve already discussed the lower rates, let’s focus on the reduced fees. Since credit unions traditionally charge fewer fees for their accounts and loans, their members keep more of their hard-earned money. If you’re a credit union member trying to improve your credit rating, you can use those savings to pay down your debt, which may help you increase your credit score.
Automatic Payment Options
Since a credit union’s success relies on creating the best member experience possible, most offer automatic payment programs along with online bill pay services that make it simple to keep up with your payments. By following a sensible budget and scheduling your payments ahead of time, you can eliminate the risk of forgotten payments and enjoy the peace of mind that comes from knowing all your accounts are up to date.
Dedicated Resources
Strong financial habits lead to improved credit union performance, which ultimately benefits members and staff alike. Because of this mutually beneficial relationship, many credit unions offer dedicated resources to ensure all of their members have the tools they need to succeed. Some credit unions may offer credit counseling services. Others focus on credit-building products, such as loans and credit cards. Regardless of the specific resources they offer, credit unions are committed to equipping their members with the knowledge and tools to build a strong credit rating.
UnitedOne Credit Union has been proudly serving our community since 1938. 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. No one works harder to provide you and your family with first-class financial services delivered through outstanding personal service. To learn more about our services, visit us online today. You can also follow us on Facebook.
Sources
https://www.experian.com/blogs/ask-experian/why-would-you-want-a-good-credit-score/
https://spero.financial/5-ways-joining-a-credit-union-can-help-you-build-your-credit/


UnitedOne is committed to improving the lives of everyone in the communities we serve by giving you the financial help you need, when you need it. We pride ourselves on knowing our communities well, because we employ directly from the communities we serve. From Manitowoc and Sheboygan to Kewaunee and Door counties, we’re here because you’re here.
As a local credit union, we’re dedicated to giving back to our residents by participating and investing in community programs and outreach efforts. Take a look at some of our community connections:
- Meals on Wheels. At UnitedOne, we are proud to participate in the Meals on Wheels program, which provides meals to senior citizens with financial, social, or mobility issues. This wonderful program not only gives free meals to seniors, but it also pulls many senior citizens out of social isolation. In some cases, Meals on Wheels can also provide food, grooming, and veterinary services to pets as well.
- Scholarships. We give out academic scholarships to qualified students in our counties looking to continue their education after high school. Though scholarships are limited, we are proud to give out 2 scholarships this year in the amount of $1,000 each to 2 amazing students! Learn more about our scholarship winners.
- Events. Check out some of our community events! From festivals, holiday events, and local and regional celebrations, we run events open to residents from all of our county residents, providing you a safe and fun place to spend your time and connect with others in the community. Many of our events also feature small businesses and vendors, furthering our mission to support local businesses.
- Local Businesses. We would be nothing without the many local businesses, organizations, and charities that we partner with. We support a variety of businesses from different industries, including UnitedWay, several local elementary schools, Sheboygan County Chamber of Commerce, League of Women Voters, Manitowoc Youth Hockey Association, and the Aurora Mindful Tri Against Cancer. Visit our website for a full description of our community partnerships.
Furthermore, here are just some of the many things our generous employees have done in the past months.
- April 13-15th
- Staff members led mock interviews with high school students
- Tuesdays
- Staff members (Spring, LeAnn, and Julie) deliver Meals on Wheels.
- April 17th
- Staff members had the first cleanup along the lakeshore for Adopt-A-Highway
- April 24th
- Staff members (Sherri and Ann) volunteered at the Winter Market.
- May 1st
- Staff members (Dawn, Nellie, Monika) raised $950 for the MS virtual walk
- May 8th
- Staff members (Julie, Sherri and Amy) volunteer for the Lake Michigan Beach Cleanup
Thinking of joining a credit union? UnitedOne is the credit union for you! We offer checking and savings accounts for personal or business use, as well as a variety of loans for all of life’s biggest purchases and events. Visit our website for more information or visit our contact page to send a request.


Summer is coming, and with that we have a couple of great events coming up. Here’s what you don’t want to miss happening in our communities this summer:
Civil War Days: June 5-6
UnitedOne Credit Union is one of the proud sponsors of Civil War Days. Although it has been over 150 years since our country has fought in the Civil War, the diaries, stories, and lessons still remain. Pinecrest Village is transformed into a Civil War encampment where visitors can meet famous figures of the past and experience firsthand a turbulent time period in our nation’s history. Join reenactors as they stage a battle complete with raging cannons and marching infantry. Learn how the nation changed through the insights of local people who made a difference in history. The family-friendly event features food, fun and shopping on "Sutler's Row" for traditional Civil War-era reproduction products.
Manitowoc County Historical Society
924 Pinecrest Rd. Manitowoc, WI, 54220
Saturday, June 5 and Sunday, June 6 from 11 a.m. to 3 p.m.
Greek Fest: June 25-27
Sheboygan’s Greek Fest returns to Deland Park this June! Come Support St. Spyridon Greek Orthodox Church!
June 25 5-9
June 26 11-8
June 27 11-6
This year's event is modified due to COVID. We will be serving gyros, Greek fries, chickens, Greek salads, spanakopita (spinach pie), Greek pastries, and beverages!
Nascar Cup Series: July 1-4
The NASCAR Cup Series features thrilling door-to-door and wheel-to-wheel action through stage racing, which ensures more highlight-reel moments during a race, increases the sense of urgency and emphasizes aggressive racing and strategy.
Fans will have the opportunity to watch NASCAR’s future stars such as Cole Custer, Tyler Reddick, Christopher Bell, Harrison Burton, Chase Elliott and Erik Jones battle it out with superstars such as Kyle Busch, Martin Truex Jr. and Joey Logano on the storied 4-mile, 14-turn road circuit. Road America has a legendary history of featuring brilliant racers on a challenging circuit that easily separates the good from the great drivers. July 1-4th
4th of July Freedom Fest: July 3
Sheboygan will be celebrating the annual Freedom Fest, Independence Day festivities on Saturday, July 3rd. Details for the annual parade, Freedom Fest at Deland Park and the Festival Foods Fireworks display will be forthcoming.
Fourth on the Shore: July 4
On July 4th, enjoy a full day of activities between the Manitowoc Yacht Club and the Wisconsin Maritime Museum. Parade is at 11:00 a.m., and there will be food, beverages, and live music throughout the day. Lakefront fireworks are at dusk!
Mill Street Festival in Plymouth: July 10
Plan to bring the whole family to downtown Plymouth for the annual Mill Street Festival, July 10. The whole downtown is closed off to vehicles, providing you with a safe place to walk along as you check out what the vendor tents all have to offer. Food, vendors and entertainment for the whole family!
Sputnikfest: September 5
Sputnikfest is held in September, so while it may not technically be a “summertime” event, it’s still one to check out. On September 5, 1962, a 20-pound piece of Russian Sputnik IV landed in the middle of the street on the corner of N. 8th and Park in Manitowoc. Sputnikfest is our way of bringing the community together to celebrate this momentous event. Named one of the Top Five Funkiest Festivals in the country by Readers Digest, this wacky tacky festival has become a community and regional favorite, with fun for the entire family. With a tagline like "Sputnik landed here...Why don't you?" how can you miss it?
Join the UnitedOne Credit Union community on Facebook to stay up-to-date on more fun community events, new products, and other important announcements!
Sources
https://www.manitowoccountyhistory.org/programs/civilwardays
https://visitsheboygan.com/event
https://www.manitowoc.org


When it comes to your own money, one thing is for sure, you want to keep it safe and secure. Though the first place that comes to mind is probably a bank, you should also consider becoming a member of a credit union! Credit unions have many advantages over banks that you may not even realize.
If you or an immediate family member are residents or work out of Manitowoc, Sheboygan, Kewaunee or Door counties, then you are eligible to become a member of UnitedOne Credit Union. But what exactly do you get when you gain membership into UnitedOne? Here are some advantages of becoming a UnitedOne member:
- Customer Service. Credit unions are known for their exceptional customer service, and UnitedOne is no exception. Member satisfaction is one of the highest priorities, which is reflected in our warm, welcoming, and friendly staff. Where banks tend to treat you just like another customer, credit unions will go above and beyond to make sure you feel like you’re in good hands.
- Interest Rates. Since credit unions are nonprofit organizations by nature, they tend to give earnings back to their members in the form of lower interest rates. This is particularly great when you’re applying for mortgage or auto loans. There are also higher rates on savings, meaning the longer and more money you put into the credit union, the more you get back!
- Fees. Like interest rates, credit unions have much lower fees than banks, and sometimes don’t even have the same fees and expenses a bank may charge you. That means more money for you, and less going out!
- Stakeholder. Unlike banks, you are the stakeholder in a credit union, instead of just another customer at the bank. Instead of making money for individual stakeholders, credit unions give their profits back to their credit union members. You get all the ease, accessibility, and benefits of a bank, with all the extra advantages of a small credit union.
- Community. Credit unions are often full of members from the same region, with similar lifestyles, careers, and experiences, creating a close community between members and of staff. People working at the credit union are likely to have a better understanding of members because of this, and so they are better suited to serve their members.
UnitedOne Credit Union has been serving Manitowoc, Sheboygan, Kewaunee and Door counties since 1938. Since then, we’ve grown to be the largest credit union in the region. We pride ourselves on our amazing customer service, and our dedicated staff who will always help you, no matter where you are in life. Learn more today on our website or see our contact page to find a location near you.


Is there a loan for almost anything you can imagine? Yes! At UnitedOne, we call that the Imagine Loan.
From humble beginnings in 1938 to one of the largest credit unions in the region, UnitedOne is proud to serve Manitowoc, Sheboygan, Kewaunee, and Door counties with the best personal and business financial services. We are committed to our philosophy, “We’re here because you’re here,” and are passionate about serving the communities around us. With our financial assistance, we truly believe we are improving and bettering the lives of so many people in our community.
Our products and offerings continue to evolve to best serve our members. We are proud to offer our “Imagine Loan”, a personal loan geared towards those needing loans with low, fixed monthly payments.
The Imagine Loan is designed to help you with whatever life throws your way. It’s a loan for anyone and everyone. Whether you’re a young professional needing financial assistance with credit card debt, car payments, or your wedding, or a newly retired citizen paying off medical expenses or finally taking that RV trip—the Imagine Loan is here for you!
Imagine Loans can also help you consolidate your debt, a dream for anyone dealing with student loans, mortgages, or any other kind of financial burden! The Imagine Loan is also a signature loan, meaning you don’t have to put any collateral down with it. All we need is your signature. Rates are now lower than ever!
Applying for an Imagine Loan is much easier than you think. Simply fill out our online form on our website, submit the proper documentation, and wait for approval from UnitedOne Credit Union. Our dedicated team members are committed to finding a loan and payment plan that works for you, your budget, and your needs.
Need a loan, but don’t think the Imagine Loan is for you? Visit our website for a full list of personal and business loans we offer. Apply today or book an appointment with a Member Service Representative to get started.
When it comes to protecting you and your finances you want to ensure there is a high level of trust. Chances are you probably hear a lot more about banks than credit unions but credit unions deserve...well credit. When you join a credit union you are a stakeholder, in turn, you oftentimes are awarded in the form of flexible low-interest rates on loans and higher earnings on savings. In addition, you have access to a great line of products, resources, and convenience. If that wasn’t reason enough, here are some things to consider when it comes to joining a credit union, according to NerdWallet.
Not just a not-for-profit
Unlike banks, which operate for profit, credit unions are member-owned, democratically run not-for-profit organizations. That means you're more than a customer; you're a member, and you get to vote on board directors and other officials. Each member’s vote carries equal weight, regardless of deposits at the credit union.
Community is a priority
Credit unions are known for their personalized service and community engagement. It’s common for them to give out scholarships, donations, and grants, or host concerts and volunteer events.
This focus means members receive knowledgeable customer service. Representatives generally try to get to know them and can provide valuable financial education and resources. Credit unions also routinely offer member perks, such as discounted auto-buying services, free financial tune-ups, and free credit reviews.
Convenience
Credit unions offer a variety of savings and investment account choices, and many are part of shared branching and ATM networks, giving members access to thousands of ATMs and branches nationwide. In addition, popular features such as Digital Banking and a mobile app are now available at virtually every credit union.
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.
No one works harder to provide you and your family with first-class financial services delivered through outstanding personal service. To learn more about our services, visit us online today. You can also follow us on Facebook.
Sources
https://www.nerdwallet.com/article/banking/why-you-should-consider-joining-a-credit-union


As the world becomes more technologically advanced, people are seeking ways to use the advancements to their benefit, to save time and money. Convenience in banking takes on a new meaning in a digital world and UnitedOne Credit Union takes your time and trust seriously.
That’s why we are pleased to offer our members a debit card that simplifies their shopping experiences. We transitioned your UnitedOne Credit Union Debit Card from MasterCard® to Visa®.
Whether you still prefer to store your debit card in a traditional wallet or you prefer the added convenience of a mobile wallet, we think you’ll find the new debit card more user-friendly and easier than ever to purchase anything! Visa is the most widely accepted card, with a little less than 11 million U.S. merchant locations! So if you’re planning on using your card for bills, travel, shopping, dining, or entertainment, you can have peace of mind your new card will be accepted in your digital wallet or traditionally.
If you’re a member who had the old Mastercard Debit Card, you don’t have to do anything, your new Visa Debit Card should already have been mailed directly to you.
Here’s what you can expect when you receive it.
Activate your new Visa Debit Card as soon as it arrives to enjoy all the benefits and rewards available!
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Update your debit card information to all service providers who regularly process your card for payments, any recurring monthly bills, pay-on-the-go services such as PayPal® and/or your Mobile Wallet. Even though you may have the same account number, your expiration date and 3-digit security code have changed.
What should you do if you have not received your new debit card?
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Continue to watch your mail. If you have not received your card yet, please reach out so we can help you.
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Call us (920) 684-0361 in Manitowoc or (920) 451-8222 in Sheboygan
Carry your checking account in your mobile wallet* or physical wallet.
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Get your free Visa® Debit Card when you open a checking account at UnitedOne (subject to approval).
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Store on a compatible mobile device with Apple Pay®, Samsung Pay® and Google Pay™
Additional Benefits of your new debit card
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Accepted everywhere you see the Visa® logo
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Free access to cash from UnitedOne ATMs
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Free access to cash at thousands of Alliance One ATMs around the country
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No annual fee
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No interest charges
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No transaction fee for point-of-sale purchases
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Purchases are deducted straight from your UnitedOne checking account
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New debit card/debit card use/usage for apps (apple pay, google pay, etc.)
If you’re a new member and signed up to receive a debit card, you will be getting the Visa Debit Card mailed to you. Allow 7-10 business days to receive your card.
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.
No one works harder to provide you and your family with first-class financial services delivered through outstanding personal service. To learn more about our services, visit us online today and you can also follow us on Facebook.
Sources
https://wallethub.com/answers/cc/most-widely-accepted-credit-card-2140668987/
UnitedOne Credit Union has been designated as a MemberXP Best of the Best Credit Union for Best Member Experience and Loan Experience.
The MemberXP designation is given to credit unions that consistently provide exceptional levels of member service during a calendar year. The awards are independently granted after meeting specific criteria, including borrowers' ratings for member service, for mortgages and consumer loans in 2020.
MemberXP gathers member feedback on service experiences for over 100 of the nation’s top credit unions. It utilizes mystery shoppers and surveys to gauge the overall member experience.
UnitedOne Credit Union has branches in Manitowoc and Sheboygan, and is open to everyone living or working in Manitowoc, Sheboygan, Kewaunee and Door counties. The credit union serves consumers and small to mid-sized businesses.


UnitedOne Credit Union recently added Eric Hoffman as its Internal Auditor.
Hoffman comes over with many years of auditing experience, including previously serving as a VP, Senior Corporate Risk Analyst for Associated Bank.
After obtaining a Bachelor of Finance from Valparaiso University and a Master of Business Administration and Finance from Lakeland College, he received an Operational Risk Management Certification in 2019.
Hoffman resides in Manitowoc with his wife and kids. In his free time, he enjoys playing and watching sports.
UnitedOne Credit Union has branches in Manitowoc and Sheboygan and is open to everyone living or working in Manitowoc, Sheboygan, Kewaunee and Door counties. The credit union serves consumers and small to mid-sized businesses.


It’s a new year, and a wonderful time to start saving! A UnitedOne Credit Union Saver’s Sweepstakes® account is a great place to start. Saver’s Sweepstakes is our prize-linked savings account, which gives you the chance to win monthly, quarterly, and annual statewide prizes ranging from $100 to $1,000. Here’s what you need to know:
What is Saver's Sweepstakes?
Saver’s Sweepstakes is The Wisconsin Credit Union League’s statewide prize-linked savings program. Saver’s Sweepstakes savings accounts are designed to help individual members at participating credit unions save while giving them chances to win statewide cash prize drawings. UnitedOne also holds members-only prize drawings.
How do Saver's Sweepstakes accounts work?
Think of Saver’s Sweepstakes accounts as being structured similarly to our Christmas Club: You can make deposits, and the money in the account is yours, but your withdrawals are limited during a 12-month savings period from January to December. But by making deposits you earn entries into drawings for cash prizes!
How are entries earned for a drawing?
For every $25 increase in month-over-month account balance, you earn one entry into the statewide Saver’s Sweepstakes prize pool and into UnitedOne members-only prize pool. Entries into the prize pool are limited to six (6) for any given month. To earn the maximum number of six entries in a given month you could make one deposit of $150, or you could make 10 deposits of $15. Remember, you can save as much as you like in your account!
How big are the Saver’s Sweepstakes prizes?*
A statewide drawing will take place monthly to award multiple $100 winners. There will also be five $1,000 winners awarded each quarter and one lucky Saver’s Sweepstakes account holder will win a $5,000 grand prize at some point during the year in the statewide drawing. In addition to the statewide prizes, UnitedOne have members-only prize drawings each month for Saver’s Sweepstakes account holders. There will be three $25 winners each month and an additional $75 winner every quarter during the year. You can view a calendar breakdown of the monthly prize distribution here.
So, are you up for the Saver's Sweepstakes challenge? Open your Saver's Sweepstakes account today!
Book an appointment with a Member Service Representative to get started.
For more information, you can also call us at 920-684-0361 for Manitowoc or 920-451-8222 for Sheboygan.
We’d be happy to help you so you can start saving and earning chances to WIN!
We’re here because you’re here.
Federally insured by NCUA.
*The number of prizes, prize denominations and prize pools depend on the total participation by credit unions, and are subject to change at The Wisconsin Credit Union League’s discretion. As the prize pool increases, the number and/or amounts will also increase.


It’s no surprise that this past year has presented challenges unlike any other. We are still very much feeling the effects of the COVID-19 pandemic but still hopeful 2021 will be more gracious. While it might be hard to find silver linings from the previous year, today Americans are spending more time than ever exploring nature and areas of the country they haven’t seen.
If you’ve ever thought about hitting the road and exploring the state or the country, now might be a perfect time. In fact, the Recreational Vehicle Industry Association sees North American RV sales rising 4.5% in 2020, to 424,400 units. If you’re in the market for a new RV, UnitedOne Credit Union can help you get the financing you need before you hit the road!
Recreational Vehicle Loans
At UnitedOne, we are member centric. We’ve been where you are now, we’ve helped others in similar situations, and we can help you too! We provide our members with a wide range of loan services to cover their needs and lifestyle.
If you are looking for a friendly and professional personal loan service to help you move your life forward, book an appointment with one of our Member Service Representatives. We care about the work we do and helping our members get the most out of life. We set out to exceed your expectations with every loan we provide. In Manitowoc, Sheboygan, Kewaunee and Door counties, let us be your top RV lender.
If you’re ready to explore in a new RV, now is the time! Whether you are planning a trip to a State Park or a longer trip somewhere else, traveling in your own RV is an great way to travel.
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. No one works harder to provide you and your family with first-class financial services delivered through outstanding personal service.
Apply online for a loan today. Or book an appointment to meet with a Member Service Representative.
We're here because you're here.
Source
https://www.barrons.com/articles/recreational-vehicle-stocks-could-see-further-gains-51601671189


There are so many things we hope will be different this year in comparison to last year, and while we may not have much personal control over the state of our current world, we do have control over our personal finances. The new year may have already started, but it’s not too late to start budgeting for 2021. Here are our tips for achieving a more financially successful year:
Set Goals
Your first step is to set goals, identify and prioritize:
- Short-term goals — six months to five years
- Mid-term goals — five to 10 years
- Long-term goals — more than 10 years
Make note of the current savings you’ve put toward each. Any goals you come up short on, hatch a plan on how you’ll fund it. Some goals may not have current savings, and that’s fine. We all have to start somewhere!
Budget
The first step to setting up a proper budget is to know what your existing expenses look like. Your budget needs to be accurate in order to work, so save receipts for groceries and gas to average those amounts with your recurring monthly bills. Comb through your bank account and credit card statements to see what various bill categories cost you in the past year, and then use those concrete figures to set up your budget for the year. Don’t forget to factor in expenses that don’t pop up monthly and leave a little extra breathing room in your budget for any surprise expenses.
Use a Low-Interest Credit Card
A low interest credit card is one with an annual percentage rate (APR) lower than the average. To qualify for a low interest credit card, you'll generally need good to excellent credit. If you can get one, it will work just like any other credit card—except that you'll pay less in interest charges if you carry a balance. While it's best to pay off your balance every month to save money and boost your credit scores, when you do have to carry a balance, it's reassuring to know you'll pay less with a low interest card.
UnitedOne Credit Union offers several credit card options, including a lower interest card and cards that earn you cash back rewards. 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 to 1938. No one works harder to provide you and your family with first class financial services delivered through outstanding personal service. Contact us today!


Wound up in holiday debt? We’re here to help you get back on track every step of the way. With UnitedOne, you can bundle all your loans into one low rate to help you save, so you can unwind and relax.
UnitedOne Credit Union is here to help our members review their finances and, in cases where it makes sense, to consolidate debt. Ask about our Holiday Loan Helper.
What is Debt Consolidation?
There are many ways that people go into debt. You may have racked up charges on different credit cards. You’ve completed a college degree and are now paying off one or more student loans in addition to your other debts. An inattentive driver hit your car, and you’re faced with a new car loan as well as unexpected medical bills. The list goes on. Debt consolidation pulls together multiple debts like these into a single loan or line of credit and allows you to have ONE payment, usually at a lower interest rate.
Typically, a personal loan is the best option for debt consolidation rather than home equity or 401(K) loans. In both cases, you are “paying yourself” at the risk of either losing your home or reducing your retirement savings.
Credit Unions are a Good Option for Debt Consolidation
Credit unions are different from banks in that they’re financial cooperatives owned by the members who keep their money there. Unlike banks that exist to produce profits, credit unions have a mission of helping their members. This is evident in their personalized services but more importantly in their significantly lower interest rates and fees. Getting a personal loan through a credit union for your debt consolidation may be your best option.
If you want help to get your debt back on track or to reduce your debt, UnitedOne can help. Schedule an appointment to meet with a Member Service Representative today.
You can call us at (920) 684-0361 for Manitowoc and (920) 451-8222 for Sheboygan, or fill-out our Contact Us form.
Sources
https://wealthfit.com/money/best-way-consolidate-credit-card-debt/
https://www.nerdwallet.com/blog/loans/consolidate-credit-card-debt-personal-loan/


The year 2020 has been a different and challenging. With the coronavirus pandemic ravaging the global economy and wiping out calendars and social gatherings, the holidays will no doubt have a different feel. If you’re still planning on checking off all your holiday gift lists for those you love, consider supporting local businesses.
The math for buying close to home is compelling — for every $100 spent at a locally-owned business, $73 remains in the local economy, and $27 leaves. Compare that to the same $100 spent at a non-locally owned business, where $43 remains in the local economy and $57 leaves.
Many local businesses are cognizant of the pandemic and are offering curbside pickup, delivery options, and more online choices. Here are the top 10 reasons to shop local, according to The Local Good.
1. Local Economic Stimulus. When you purchase at locally-owned businesses rather than nationally owned, more money is kept in the community because locally-owned businesses often purchase from other local businesses, service providers, and farms. Purchasing locally helps grow other businesses as well as the local tax base.
2. Non-Profits Receive Greater Support. Local business owners donate more to local charities than non-local owners.
3. Unique Businesses Create Character & Prosperity. The unique character of your local community is defined in large part by the businesses that reside there, and that plays a big factor in your overall satisfaction with where you live and the value of your home and property.
4. Environmental Impact Is Reduced. Small local businesses usually set up shop in the town/village center, providing a centralized variety that is much friendlier to a community’s walk score than out of town shopping malls. This generally means contributing less to sprawl, congestion, habitat loss, and pollution.
5. Most New Jobs Are Provided By Local Businesses. Small local businesses are the largest employers nationally. Plus, the more jobs you have in your local community the less people are going to have to commute which means more time and less traffic and pollution.
6. Customer Service Is Better. Local businesses often hire people with more specific product expertise for better customer service. You are also going to see these people around town and they are less likely to blow you off or be rude because they have to face you day after day.
7. Local Business Owners Invest In Community. Local businesses are owned by people who live in this community, are less likely to leave, and are more invested in the community’s welfare and future.
8. Public Benefits Far Outweigh Public Costs. Local businesses require comparatively little infrastructure and more efficiently utilize public services relative to chain stores.
9. Competition And Diversity Leads To More Consumer Choices. A marketplace of thousands of small businesses is the best way to ensure innovation and low prices over the long-term.
10. You Matter More. We talk a lot about exerting influence with your purchasing choices, or “voting with your wallet.” It’s a fact that businesses respond to their customers but your values and desires are much more influential to your local community business than the large big box stores.
Nobody can deny the changes the world has seen but as we near the last month you can still do something good for your community by supporting local businesses.
UnitedOne is passionate about improving the lives of all residents throughout the communities we serve. The credit union and our employees support and sponsor local causes that are important to us all. We are proud of the roles we play in helping our communities and neighbors enjoy better lives and futures. We recognize the importance of contributing to our communities and being a strong corporate citizen. UnitedOne is an active partner with many worthwhile organizations and events held throughout the year.
We’re here because you’re here.
Sources
https://fortune.com/2020/09/28/covid-buisnesses-shut-down-closed/
https://www.metrofamilymagazine.com/15-reasons-to-shop-locally/
https://thelocalgood.ca/top-10-reasons-to-shop-local/
Think of it as the branch that never closes. Digital 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:
Availability
Digital 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!
Paperless
With Digital 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.
Safe
Digital 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.
Mobile Check Deposit
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.
If you’re interested in becoming a member of our credit union, you can learn more about joining UnitedOne here. We look forward to hearing from you!


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.
Sources
https://www.caveofthemounds.com/preparing-for-your-tour/
https://www.devilslakewisconsin.com/wisconsin-parks-trails-natural-areas/pewits-nest/
https://www.fdl.com/details/todo/lakeside-park/


During these unprecedented times, 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


Digital Banking has been around now for a few years. And it’s not going anywhere. In fact, many features in Digital Banking continues to improve.
One of the main benefits to Digital Banking is that you can have access to your accounts wherever you are. You can view your account balance, transfer funds, pay other people, pay bills, and even make check deposits from the convenience of your home or wherever you may be.
As we slowly transition into a new normal, Digital Banking is a great tool and resource to utilize. You can do your basic banking without worrying about coming to the credit union. Even if this may be your first time using the mobile banking app, you’ll get used to its features in no time.
Here are 5 Great Features About Our Digital Banking:
Transfer funds between personal accounts
You can transfer from your savings into your checking and vice versa. You can even transfer funds to pay a loan you have on your account. It’s convenient and fast.
Person-to-Person
Need to pay a friend or co-worker for lunch but they don’t bank at UnitedOne? No worries. The P2P (Person-to-Person) feature makes that pay easy for you. No need to use a third-party app.
Mobile Deposit
Have a check you want to deposit but can’t come into the credit union? You can deposit that check into your account through the mobile app!
*There is a limit to check amounts and funds may not be available within that business day. See FAQ here
E-Statements
If you want a thorough rundown of your account statements, you can view them in the mobile app. It shows your debits and credits just like a paper statement does.
Apply for a Loan
Yes, you can even apply for an auto loan or Imagine loan directly from the mobile app!
These are not the only 5 features our mobile app offers. There’s many more! Get the UnitedOne Credit Union Mobile App today to see the different ways you can do your banking right where you are.
Download the app today. Have more questions? Check out our Digital Banking FAQs.


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.


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.
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*Sources: https://www.nytimes.com/2015/11/05/upshot/stressed-tired-rushed-a-portrait-of-the-modern-family.html


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!
We all take pride in our community, and want to be a part of a strong, thriving economy. Have you ever stopped to consider that when you choose UnitedOne Credit Union for your loan needs, you are giving back to our community?
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There are several benefits members enjoy with PTMs.
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Discover how joining a credit union could be saving you money.
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Build your financial strength and earn chances to win money.
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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.
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Keeping your finances safe and secure is our ongoing mission.
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UnitedOne Credit Union has added Laura Fielding as its Chief Human Resources Officer.
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Differentiating between the two can be confusing, so we have put together a list of the advantages of joining a credit union as opposed to a bank.
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What to consider before having a home inspection done.
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UnitedOne Credit Union is making a donation of $5,000 to Children’s Hospital of Wisconsin.
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