Unlike for-profit financial institutions, at Unity Catholic FCU you are a member-owner. Each member has one vote and one voice in how our credit union is governed. Come to our Annual Meeting:
The Annual Meeting is your chance to hear what we've done the past year, what we're planning for the future, and an ideal time to give input and meet other members as well as the leaders of the credit union.
Dinner is $7.50 per member or joint member. Non-member dinner cost is $13.50 each. Payment for dinner is required at the time of reservation. Reservations are required to attend the Annual Meeting. Please complete the Annual Meeting Reservation Request form and submit by February 4, 2012 or call 440-886-2558.
We look forward to seeing you there!

2012 is the Year of the Dragon, but don't "drag on" about whether to apply for Unity Catholic FCU's current Auto Loan Special - DO IT NOW!
Rates are as low as 2.24% APR* on a new or used vehicle with terms up to 72 months - that's six years to pay! And, no payment is due until April 30, 2012.
Need to refinance an auto loan from another financial institution? See how the same low rate can be yours!
For more detail or to apply, stop in to see us or Apply Now!
*APR = Annual Percentage Rate is valis 1/1/12 - 2/28/12 on vehicles not currently financed at Unity Catholic Federal Credit Union (UCFCU). No pre-payment penalties apply. Estimated monthly payment is $28.91 per $1,000 borrowed for 36 months at 2.24% APR. Offer and rate may vary depending on individual credit history. All UCFCU programs, rates, terms and conditions are subject to change at any time without notice. Interest continues to accrue during payment deferral.

Don't miss the FREE financial seminar, "Build a Basic Budget" on February 21, 2012 from 7-9 pm at the St. Charles Borromeo Activity Center.
When you attend this FREE seminar, you'll learn:
* How to set realistic financial goals for you and your family
* How to identify your "spending leaks"
* How to track where your money goes
* How to develope a spending plan
* How to avoid the pitfalls of overspending
* How to manage your tracking and spending system
To reserve your seat, call Kelly Reddy at 440-886-2558 X 244 or email her at kcreddy@unitycatholiccu.org by February 18, 2012.
Whether you're in good financial shape or you really need help, it can't hurt to freshen up with new information or reach out for assistance if you feel like you can't dig out of a hole.

We have all received an ad in the mail saying how great a banks free checking is, but what's the catch? The list of requirements could be endless.
Not at Unity Catholic, our FREE Checking has:
We also offer:
We even have a switch kit to make closing your old checking account even easier. Join the thousands that are making the change from Big Bank to BIG SAVINGS, join a Credit Union. Join Unity Catholic.

Unity Catholic Federal Credit Union has added another convenient member benefit - you can now access your credit union accounts at thousands of locations throughout the country, including hundreds in Ohio. Unity Catholic FCU is a member of the Shared Branching network, a fast-growing national and international network of credit unions that allow members of other credit unions use their branches to cunduct basic teller transactions.
Credit unions have joined together to "share" their facilities as a way to provide convenient service to their credit union members. Wherever you see the Shared Branching "Swirl", you can conduct financial transactions at that credit union location.
What can you do at a Shared Branching location? Almost everything you normally do with a teller at your own credit union, and there's no additional charge to you. You can made deposits, withdraw money, cash checks, transfer funds, make loan payments, get a copy of your statement, and more. All you need is your credit union account number and a photo ID.
to find a Shared Branching location near your home, work or favorite vacation spot, simply log on to www.sharedbranching.org to find the cost convenient locations.

The Cleveland Chapter of Credit Unions will again award three (3) Moses Hill Memorial Scholarships to high school seniors and above who are pursuing college, professional or vocational post-high school studies.
The Chapter will award one $1,000 scholarship along with two secondary $750 scholarships ($2,500 total). Then, one winner will be selected for submission into the Ohio statewide scholarship program, which is sponsored by the Ohio Credit Union Foundation, that awards four $2,500 scholarships totaling $10,000.
Pick up an application in person at any credit union branch or print it now. But hurry becaus the deadline is February 10, 2012.
The scholarships will be awarded in May 2012.

SCHOLARSHIP FUNDS:
$7000 Annually
SCHOLARSHIPS AWARDED:
HOW THE SCHOLARSHIP IS AWARDED:
The scholarships awarded will be by a drawing. Winners must meet the qualifications below. Winners will be chosen by the Board of Directors at the regular monthly meeting in April of each year. All funds will be paid directly to the school listed on the application, on behalf of the child.
QUALIFICATIONS:
All applicants must be a member of the Unity Catholic Federal Credit Union
All applicants must be attending a Catholic school (Kindergarten – 12th grade)
All applicants must fill out a separate scholarship application form.
OTHER INFORMATION:
The application deadline is April 1 of each year.
Credit Union members are eligible for discounts at many retailers. Visit lovemycreditunion.org for complete details.

Why Throw Away Your Money? Save with Sprint!
Membership at Unity Catholic has always had benefits, but now your getting discounts. As a member of the Dell Member Purchase Program, you're entitled to exclusive savings on select configurations of Dell laptops and desktops. The Member Purchase Program is an extension of Dell's Employee Purchase Program and participants of both programs get the same exclusive savings. Take advantage of awesome systems now and don't forget to shop electronics & accessories at already terrific Dell Home and Home Office Prices.
Call or Click to take advantage of these savings. 1-866-257-4471 or www.dell.com/cuprogram
Member ID# GS105471105
MEMBERS® Auto & Homeowners Insurance Program
You trust Unity Catholic Federal Credit Union to provide you and your family with quality products and services to meet your financial needs. We’ve joined with a dedicated team of insurance professionals to bring you the MEMBERS® Auto & Homeowners Insurance Program.
· The MEMBERS Auto & Homeowners Insurance Program is the property and casualty coverage solution preferred by credit unions and their members.
· Access convenient e-service, pay your bill or make changes to your policy, even report a claim.
· Receive fast, easy access to claims service 24 hours a day.
· Obtain a free, no-obligation quote.
The MEMBERS Auto & Homeowners Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.Y0040_GHA082GH-0111
At Unity Catholic Federal Credit Union, we continually look for ways to help meet the financial needs of all of our members, including our Medicare-eligible members. We’re aware that sorting out Medicare options can be confusing. That’s why we’ve partnered with Humana (a company dedicated to serving Medicare needs) and CUNA Mutual Group (a company dedicated to serving credit union member needs) to help you explore your Medicare options and make wise decisions based on your personal needs. Through this team of experts, you have access to:
Unity Catholic is now offering the services of Trinity Debt Management. Their three step approach can help you become "debt free for keeps".
1. Debt Analysis * 2. Debt Education * 3. Debt Assistance
Call today to see if Trinity can help you 1-800-758-3844 or visit www.trinitycredit.org

Are you trying to find a way to manage your debt or build a budget?
Debt in Focus is a FREE anonymous service that is helping credit union members nationwide manage their debt. Simply log on to the website https://www.debtinfocus.org/Welcome.aspx and answer a few questions about your income and current debts. After that, a financial analysis will give you key information – debt to income ratios, debt re-payment schedules, and even action steps to help dig you out of financial trouble. This site is anonymous - you don’t provide your name, address, e-mail or any other identifiable information. Take a few minutes and see how it can help you!