*

July 2020 Issue 56

“Our vision is that United 1st will be our member’s recommended source for financial solutions through our continued investment in our respected employees and the communities we serve.”

8170-NL-0720

Like and Follow us on:

Effective July 1, 2020, the "Your Ability to Withdraw Funds Policy" will have the following two beneficial changes for check holds: • The next dayavailability will increase

from $200 to $225 • The exception hold for large deposit of

checks totaling $5,000 will increase to$5,525

For those who prefer waterways to roadways… we have a loan for that!

Ask us for details or apply online at www.united1stfcu.org/loans

It’s as easy as taking a picture!

www.united1stfcu.org

Save yourself a trip to the branch and deposit your checks on our mobile app.

Members must be enrolled in CU Online before downloading the mobile app. Visit our website at www.united1stfcu.org/services/mobilemoney.php

or give us a call for instructions to get set up. *Offer available for new United 1st mobile deposit users as of 5/6/2020,

on their first mobile deposit. Cash will be deposited into savings account on the next business day. Promotion ends 7/31/2020.

April 2017 Issue 43

With our 1st Impressions Account and Online Tools, teens and young adults can learn to establish good financial habits to place them on the right track to achieve financial maturity and independence! Includes access to CU Succeed Teen online program.

BUNDLES OF JOY

(Newborn—1 year old)

1st IMPRESSIONS

(13—21 years old)

Is there a newcomer in your family? If so, we have the right account for you. A Bundles of Joy savings account earns dividends quarterly. United 1st even deposits the first $5 into the savings account, and there is no membership fee! Get your baby's financial future off to a great start with a Bundles of Joy account!

KIRBY KANGAROO CLUB

(1—12 years old)

Follow us on: United 1st Federal Credit Union

“Our vision is that United 1st will be our member’s recommended source for financial solutions through our continued investment in our respected employees and the communities we serve.”

It's never too early to learn about the value of money! The Kirby Kangaroo Club is designed to help young members learn how to save money while having fun and earning dividends at the same time.

Federal Credit Union

8170-NL-0720

*

July 2020 Issue 56

“Our vision is that United 1st will be our member’s recommended source for financial solutions through our continued investment in our respected employees and the communities we serve.”

8170-NL-0720

Like and Follow us on:

Effective July 1, 2020, the "Your Ability to Withdraw Funds Policy" will have the following two beneficial changes for check holds: • The next dayavailability will increase

from $200 to $225 • The exception hold for large deposit of

checks totaling $5,000 will increase to$5,525

For those who prefer waterways to roadways… we have a loan for that!

Ask us for details or apply online at www.united1stfcu.org/loans

It’s as easy as taking a picture!

www.united1stfcu.org

Save yourself a trip to the branch and deposit your checks on our mobile app.

Members must be enrolled in CU Online before downloading the mobile app. Visit our website at www.united1stfcu.org/services/mobilemoney.php

or give us a call for instructions to get set up. *Offer available for new United 1st mobile deposit users as of 5/6/2020,

on their first mobile deposit. Cash will be deposited into savings account on the next business day. Promotion ends 7/31/2020.

For those who prefer waterways toroadways...we have a loan for that!

Ask us for details or apply online at:www.united1stfcu.org/loans

April 2020 Issue 55

“Our vision is that United 1st will be our member’s recommended source for financial solutions through our continued investment in our respected employees and the communities we serve.”

8170-NL-0420

www.united1stfcu.org Like and Follow us on

*

New & Used AUTO Loan rates starting as low as

2.99% APR *APR is Annual Percentage Rate. Rates to be determined by qualifications, terms & conditions apply.

According to the Federal Trade Commission, there has been a steady increase over the last three years in the number of complaints involving fake checks. In order to protect yourself, here are a few tips to help avoid these scams:

•Mystery shopper checks to be deposited into your personal account with instructions to wire it to someone else.

•Car-wrap advertising checks where you mail funds to a decal installer (who doesn’t exist)

•Sweepstake winnings where you’re instructed to send money to cover taxes, shipping and other fees.

These fake checks, once deposited, can sometimes take weeks to be discovered and you will be stuck having to pay the funds back. If you ever have questions or are unsure of a check you receive, please contact us here at the credit union. We’re happy to assist!

The SECURE Act was signed into law on December 20, 2019 and many of the Act’s provisions took effect on January 1, 2020.

New age for Required Minimum Distributions (RMDs)

The age when RMDs from Traditional IRAs must generally begin is increased from age 70-1/2 to age 72. If you already turned age 70-1/2 by the end of 2019, then RMDs cannot be delayed under the new rule.

New distribution requirements for non-spouse IRA beneficiaries

For IRA owner deaths in 2020 or later, most non-spouse beneficiaries of IRAs will generally be required to distribute inherited amounts within 10 years. There are some exceptions to this rule.

Change to the allowable age for contributions

Taxpayers with earned income can make Traditional IRA contributions at any age, not just the years before reaching 70-1/2 which was the previous requirement.

For further details visit our website at www.united1stfcu.org/accounts/ira.php

April 2020 Issue 55

“Our vision is that United 1st will be our member’s recommended source for financial solutions through our continued investment in our respected employees and the communities we serve.”

8170-NL-0420

www.united1stfcu.org Like and Follow us on

*

New & Used AUTO Loan rates starting as low as

2.99% APR *APR is Annual Percentage Rate. Rates to be determined by qualifications, terms & conditions apply.

According to the Federal Trade Commission, there has been a steady increase over the last three years in the number of complaints involving fake checks. In order to protect yourself, here are a few tips to help avoid these scams:

•Mystery shopper checks to be deposited into your personal account with instructions to wire it to someone else.

•Car-wrap advertising checks where you mail funds to a decal installer (who doesn’t exist)

•Sweepstake winnings where you’re instructed to send money to cover taxes, shipping and other fees.

These fake checks, once deposited, can sometimes take weeks to be discovered and you will be stuck having to pay the funds back. If you ever have questions or are unsure of a check you receive, please contact us here at the credit union. We’re happy to assist!

The SECURE Act was signed into law on December 20, 2019 and many of the Act’s provisions took effect on January 1, 2020.

New age for Required Minimum Distributions (RMDs)

The age when RMDs from Traditional IRAs must generally begin is increased from age 70-1/2 to age 72. If you already turned age 70-1/2 by the end of 2019, then RMDs cannot be delayed under the new rule.

New distribution requirements for non-spouse IRA beneficiaries

For IRA owner deaths in 2020 or later, most non-spouse beneficiaries of IRAs will generally be required to distribute inherited amounts within 10 years. There are some exceptions to this rule.

Change to the allowable age for contributions

Taxpayers with earned income can make Traditional IRA contributions at any age, not just the years before reaching 70-1/2 which was the previous requirement.

For further details visit our website at www.united1stfcu.org/accounts/ira.php

We’re excited to announce our new program to help encourage our younger members to make frequent deposits into their savings account. It’s called the Deposit Stamp program and will work like this: On their next visit to the credit union, we’ll give

them a Deposit Stamp card. Each time they make a deposit of $10 or more, we’ll stamp their card. Once a Kirby member’s card is filled, they can turn it in for a prize.

Make the most out of your

TAX Refund!

Our IRA’s or Share Certificates can earn a higher interest APY. *

During the month of April, we’re celebrating Youth Month. The theme this year is “The Science of Saving,” showcasing fun, sci-fi inspired char-acters. Science has proven that if you start with small goals, saving your money can become a regular habit. Every child dreams about their future. Some of those dreams may require money to come true. How do you help your children achieve their dreams?

One way is to help them learn how to save their money. To get your children into the savings habit, start by having them cut out pictures of something they’d like to have someday and post the images where they’ll see them often. Then help them open a savings at United 1st FCU if they don’t already have one. Encourage your child to make reg-ular small deposits each week and learn about the science of saving.

Hours of Operation All Member Service Centers Monday, Tuesday, Thursday, Friday: 9am—5pm Wednesday: 9am—1pm Drive-Thru open at 8am Kingsland Friday: 9am—6pm Saturday: 8am—Noon (Drive Thru Only) Waycross Friday: Open until 6pm

Federally Insured By NCUA

Mobile App available 24/7

Member Service Centers

Same as template

* APY is Annual Percentage Yield

Once our 1st Impressions account members (ages 13-21) fill out their card, they can turn it in to be entered into a monthly i-tunes gift card drawing.

Federally Insured By NCUA

Mobile App available 24/7

Member Service Centers

Same as template

Hours of Operation All Member Service Centers Monday, Tuesday, Thursday, Friday: 9am—5pm Wednesday: 9am—1pm Drive-Thru open at 8am Kingsland & Waycross Friday: 9am—6pm

By the middle of March this year, United 1st Federal Credit Union had to make the tough decision to close our branch lobbies for the safety and protection of our members and staff. We all quickly adapted and found creative ways to service members through the drive-thru, online, and over the phone. Some of these initiatives will remain with us over the coming months and will, in fact, provide a greater level of convenience and efficiency.

##wweeCCUUggrraaddss ooff 22002200!!!! Your graduation year has been like none other. You have been strong and resilient, and you have taught all of us to find new perspective and ways of achieving our goals. We applaud and congratulate you! As you venture on in your journey, we want to assure you that we will be here for you every step of the way… from our online banking and mobile app, to our network of nationwide ATM’s, to auto loans and mortgage options, and even investment vehicles as you start your early savings toward future retirement. From all of us at United 1st, best wishes for much success!

UUnniitteedd 11sstt SSttaaffff RReessppoonnddss DDuurriinngg CCOOVVIIDD--1199

While the shelter-in-place order created a great deal of disconnect and uncertainty, we also found our communities pulling together like never before and working for the greater good. Here at United 1st, we were pleased to be able to make monetary donations to several local food pantries including the Helping Hands Food Pantry (Camden County), The Christian Life Center (Dodge County), Pierce County Food Pantry, Destination Church Food Bank (Ware County), and Charlton County BOE Grab-n-Go student lunches. In addition, we launched an initiative entitled “1,000 Rays of Hope” where all of our staff wrote letters of encouragement to our at-risk elderly citizens,

as well as our front line workers and first responders. We are very proud of their spirit of cooperation and volunteerism!

Waycross staff formed a band “Social Distancers”

Eastman staff rode in parade route passing several senior care centers & their residents

Kingsland had fun with virtual TP store

Above: Admin staff with their letters of hope

Folkston showed support for essential workers

St Marys

2000 Osborne Road(912) 882-4630

Jessica Broderick

Kingsland

160 N. Gross Road(912) 729-2800

John McNeil

Eastman854 College Street

(478) 374-7777Jason Horne

Blackshear

3705 U.S. 84 East (912) 449-4077Angela Robison

Folkston3773 Second Street S.

(912) 496-2006Shannon Allen

Waycross

2098 Brunswick Hwy.(912) 283-1450Jack Yarbrough

Regional Manager, Tommy Cannon

Federally Insured By NCUA

Mobile App available 24/7

Member Service Centers

Same as template

Hours of Operation All Member Service Centers Monday, Tuesday, Thursday, Friday: 9am—5pm Wednesday: 9am—1pm Drive-Thru open at 8am Kingsland & Waycross Friday: 9am—6pm

By the middle of March this year, United 1st Federal Credit Union had to make the tough decision to close our branch lobbies for the safety and protection of our members and staff. We all quickly adapted and found creative ways to service members through the drive-thru, online, and over the phone. Some of these initiatives will remain with us over the coming months and will, in fact, provide a greater level of convenience and efficiency.

##wweeCCUUggrraaddss ooff 22002200!!!! Your graduation year has been like none other. You have been strong and resilient, and you have taught all of us to find new perspective and ways of achieving our goals. We applaud and congratulate you! As you venture on in your journey, we want to assure you that we will be here for you every step of the way… from our online banking and mobile app, to our network of nationwide ATM’s, to auto loans and mortgage options, and even investment vehicles as you start your early savings toward future retirement. From all of us at United 1st, best wishes for much success!

UUnniitteedd 11sstt SSttaaffff RReessppoonnddss DDuurriinngg CCOOVVIIDD--1199

While the shelter-in-place order created a great deal of disconnect and uncertainty, we also found our communities pulling together like never before and working for the greater good. Here at United 1st, we were pleased to be able to make monetary donations to several local food pantries including the Helping Hands Food Pantry (Camden County), The Christian Life Center (Dodge County), Pierce County Food Pantry, Destination Church Food Bank (Ware County), and Charlton County BOE Grab-n-Go student lunches. In addition, we launched an initiative entitled “1,000 Rays of Hope” where all of our staff wrote letters of encouragement to our at-risk elderly citizens,

as well as our front line workers and first responders. We are very proud of their spirit of cooperation and volunteerism!

Waycross staff formed a band “Social Distancers”

Eastman staff rode in parade route passing several senior care centers & their residents

Kingsland had fun with virtual TP store

Above: Admin staff with their letters of hope

Folkston showed support for essential workers

Federally Insured By NCUA

Mobile App available 24/7

Member Service Centers

Same as template

Hours of Operation All Member Service Centers Monday, Tuesday, Thursday, Friday: 9am—5pm Wednesday: 9am—1pm Drive-Thru open at 8am Kingsland & Waycross Friday: 9am—6pm

##wweeCCUUggrraaddss ooff 22002200!!!! Your graduation year has been like none other. You have been strong and resilient, and you have taught all of us to find new perspective and ways of achieving our goals. We applaud and congratulate you! As you venture on in your journey, we want to assure you that we will be here for you every step of the way… from our online banking and mobile app, to our network of nationwide ATM’s, to auto loans and mortgage options, and even investment vehicles as you start your early savings toward future retirement. From all of us at United 1st, best wishes for much success!

UUnniitteedd 11sstt SSttaaffff RReessppoonnddss DDuurriinngg CCOOVVIIDD--1199

Federally Insured By NCUA

Mobile App available 24/7

Member Service Centers

Same as template

Hours of Operation All Member Service Centers Monday, Tuesday, Thursday, Friday: 9am—5pm Wednesday: 9am—1pm Drive-Thru open at 8am Kingsland & Waycross Friday: 9am—6pm

##wweeCCUUggrraaddss ooff 22002200!!!! Your graduation year has been like none other. You have been strong and resilient, and you have taught all of us to find new perspective and ways of achieving our goals. We applaud and congratulate you! As you venture on in your journey, we want to assure you that we will be here for you every step of the way… from our online banking and mobile app, to our network of nationwide ATM’s, to auto loans and mortgage options, and even investment vehicles as you start your early savings toward future retirement. From all of us at United 1st, best wishes for much success!

UUnniitteedd 11sstt SSttaaffff RReessppoonnddss DDuurriinngg CCOOVVIIDD--1199

Federally Insured By NCUA

Mobile App available 24/7

Member Service Centers

Same as template

Hours of Operation All Member Service Centers Monday, Tuesday, Thursday, Friday: 9am—5pm Wednesday: 9am—1pm Drive-Thru open at 8am Kingsland & Waycross Friday: 9am—6pm

##wweeCCUUggrraaddss ooff 22002200!!!! Your graduation year has been like none other. You have been strong and resilient, and you have taught all of us to find new perspective and ways of achieving our goals. We applaud and congratulate you! As you venture on in your journey, we want to assure you that we will be here for you every step of the way… from our online banking and mobile app, to our network of nationwide ATM’s, to auto loans and mortgage options, and even investment vehicles as you start your early savings toward future retirement. From all of us at United 1st, best wishes for much success!

UUnniitteedd 11sstt SSttaaffff RReessppoonnddss DDuurriinngg CCOOVVIIDD--1199

Federally Insured By NCUA

Mobile App available 24/7

Member Service Centers

Same as template

Hours of Operation All Member Service Centers Monday, Tuesday, Thursday, Friday: 9am—5pm Wednesday: 9am—1pm Drive-Thru open at 8am Kingsland & Waycross Friday: 9am—6pm

##wweeCCUUggrraaddss ooff 22002200!!!! Your graduation year has been like none other. You have been strong and resilient, and you have taught all of us to find new perspective and ways of achieving our goals. We applaud and congratulate you! As you venture on in your journey, we want to assure you that we will be here for you every step of the way… from our online banking and mobile app, to our network of nationwide ATM’s, to auto loans and mortgage options, and even investment vehicles as you start your early savings toward future retirement. From all of us at United 1st, best wishes for much success!

UUnniitteedd 11sstt SSttaaffff RReessppoonnddss DDuurriinngg CCOOVVIIDD--1199

Federally Insured By NCUA

Mobile App available 24/7

Member Service Centers

Same as template

Hours of Operation All Member Service Centers Monday, Tuesday, Thursday, Friday: 9am—5pm Wednesday: 9am—1pm Drive-Thru open at 8am Kingsland & Waycross Friday: 9am—6pm

##wweeCCUUggrraaddss ooff 22002200!!!! Your graduation year has been like none other. You have been strong and resilient, and you have taught all of us to find new perspective and ways of achieving our goals. We applaud and congratulate you! As you venture on in your journey, we want to assure you that we will be here for you every step of the way… from our online banking and mobile app, to our network of nationwide ATM’s, to auto loans and mortgage options, and even investment vehicles as you start your early savings toward future retirement. From all of us at United 1st, best wishes for much success!

UUnniitteedd 11sstt SSttaaffff RReessppoonnddss DDuurriinngg CCOOVVIIDD--1199

Federally Insured By NCUA

Mobile App available 24/7

Member Service Centers

Same as template

Hours of Operation All Member Service Centers Monday, Tuesday, Thursday, Friday: 9am—5pm Wednesday: 9am—1pm Drive-Thru open at 8am Kingsland & Waycross Friday: 9am—6pm

By the middle of March this year, United 1st Federal Credit Union had to make the tough decision to close our branch lobbies for the safety and protection of our members and staff. We all quickly adapted and found creative ways to service members through the drive-thru, online, and over the phone. Some of these initiatives will remain with us over the coming months and will, in fact, provide a greater level of convenience and efficiency.

##wweeCCUUggrraaddss ooff 22002200!!!! Your graduation year has been like none other. You have been strong and resilient, and you have taught all of us to find new perspective and ways of achieving our goals. We applaud and congratulate you! As you venture on in your journey, we want to assure you that we will be here for you every step of the way… from our online banking and mobile app, to our network of nationwide ATM’s, to auto loans and mortgage options, and even investment vehicles as you start your early savings toward future retirement. From all of us at United 1st, best wishes for much success!

UUnniitteedd 11sstt SSttaaffff RReessppoonnddss DDuurriinngg CCOOVVIIDD--1199

While the shelter-in-place order created a great deal of disconnect and uncertainty, we also found our communities pulling together like never before and working for the greater good. Here at United 1st, we were pleased to be able to make monetary donations to several local food pantries including the Helping Hands Food Pantry (Camden County), The Christian Life Center (Dodge County), Pierce County Food Pantry, Destination Church Food Bank (Ware County), and Charlton County BOE Grab-n-Go student lunches. In addition, we launched an initiative entitled “1,000 Rays of Hope” where all of our staff wrote letters of encouragement to our at-risk elderly citizens,

as well as our front line workers and first responders. We are very proud of their spirit of cooperation and volunteerism!

Waycross staff formed a band “Social Distancers”

Eastman staff rode in parade route passing several senior care centers & their residents

Kingsland had fun with virtual TP store

Above: Admin staff with their letters of hope

Folkston showed support for essential workers

By the middle of March this year, United 1st Federal Credit Union had to make the tough decision to close our branch lobbies for the safety and protection of our members and staff. We all quickly adapted and found creative ways to service members through the drive-thru, online, and over the phone. Some of these initiatives will remain with us over the coming months and will, in fact, provide a greater level of convenience and efficiency.

While the shelter-in-place order created a great deal of disconnect and uncertainty, we also found our communities pulling together like never before and working for the greater good. Here at United 1st, we were pleased to be able to make monetary donations to several local food pantries including the Helping Hands Food Pantry (Camden County), The Christian Life Center (Dodge County), Pierce County Food Pantry, Destination Church Food Bank (Ware County), and Charlton County BOE Grab-n-Go student lunches. In addition, we launched an initiative entitled “1,000 Rays of Hope” where all of our staff wrote letters of encouragement to our at-risk elderly citizens, as well as our front-line workers and first responders. We are very proud of their spirit of cooperation and volunteerism!

Waycross staff formed a band called “Social Distancers”

Above: Admin staff with their letters of hope.

Eastman staff rode in parade route passing several senior care centers & their residents.

Folkston showed support for essential workers.Kingsland had fun with virtual TP store.