RetirementANNOUNCEMENT

During our 2017 Annual Meeting in March, we had the great pleasure of celebrating the distinguished career of our former President/CEO, David Cibulka. Dave retired from

United Financial Credit Union on April 7, 2017. He began his career in the financial industry in 1971 and became Manager at United Financial in 1980, when Jim and Doris Hubbel, founders of the Credit Union, retired. His positive attitude and strong member/staff relations made him an exceptional leader, and he will be missed by staff and members alike.

you deserve more and you get more at

united financial credit unionApril 2017

Informerthe

•AmericanCancerSociety

•RetirementAnnouncement

•NewPresident/CEO•NewChesaningBranch

Celebration•MobiMoney

•TheAnnualMeetingWasAGreatSuccess

•IntroducingAmpre•HolidayClosings•IDProtect®:Every

ProtectionYouCanCountOn

•KnowHowToSpotTheTopFiveScams!

•Club64:SpringTrips•NationalCreditUnion

YouthMonth:GiveAHootAboutSavings

•NeighborhoodImprovementProgram

•CommunityCorner

I N T H I S I S S U E

U N I T E D F I N A N C I A L W E L C O M E S NEW PRESIDENT/CEOThe Board of Directors has named Barbara Appold as its new President/CEO. Appold took over President/CEO duties on January 1, 2017.

“The Board of Directors has confidence that Barb will continue to be a strong leader with a commitment to both member service and a controlled growth strategy. She has exceptional communication skills and management capabilities, experience working with the Board and strategic planning, and a strong commitment to staff development. She

is ethical and a visionary leader. She has focus on providing exceptional member service, operational efficiency, and is dedicated to the credit union philosophy of “people helping people,” said Edward Ulmer, Board Chairman.

“I am extremely excited and honored to be chosen as United Financial Credit Union’s next CEO. I joined the credit union 25 years ago because I wanted to be a part of an organization where I believe the opportunities for both members and employees were limitless. During my time at the credit union I have not only gained tremendous knowledge of where we are, but more importantly of where we need to go. Working with

Dave Cibulka has thoroughly prepared me and I am thankful for his strong leadership. I have a passion for the credit union industry and specifically United Financial Credit Union and with the help of a very talented team, will continue to provide affordable, friendly, and quality service to our members,” said Barbara Appold, Executive Vice President.

Appold has been with United Financial Credit Union for over 25 years, with 13 of those years serving as the Executive Vice President. Barb has served on the Credit Committee and Asset Liability Committee. She holds a Bachelor’s degree in Business Management from Northwood University and two Associate degrees from Delta Community College. One in Computer Information Systems and one in Credit Union Management. Barb was also a graduate from CUNA Management School, a training program for credit union executives studying credit union management concepts and techniques.

JOIN US IN SUPPORTING THE

American Cancer Society!United Financial Credit Union is pleased to be partnering with other local Credit Unions to raise money this quarter in support of the American Cancer Society. We invite you to join us in our efforts! Monetary donations can be made at your local United Financial branch location throughout the months of April, May and June. Plus, watch for these special monthly promotions:

APRIL: For every NEW YOUTH OR TEEN ACCOUNT opened in April, United Financial will donate $10 to the American Cancer Society.

MAY/JUNE: For any SECURED LOAN opened in May or June, United Financial will donate $5.00 to the American Cancer Society.

For each NEW ELECTRONIC SERVICE you enroll in during May or June, United Financial will donate $1.00 to the American Cancer Society. Qualifying services include:

• N E W D I R E C T D E P O S I T • N E T P A Y

• E S T A T E M E N T S • F I R S T R E M O T E C H E C K D E P O S I T

THANK YOU FOR HELPING US SUPPORT THIS WORTHY CAUSE!

MEMORIAL DAYMonday, May 29

INDEPENDENCE DAYTuesday, July 4

CelebrationB R A N C H

newCHESANING

We are pleased to now be serving members from the new United Financial Chesaning Branch location!

1720 W. Brady Rd. • Chesaning, MI

The ANNUAL MEETING was a Great Success!Our 54th Annual Meeting was held March 18, 2017, and we are pleased to share that it was a great success! Thank you to all our guests, as well as our sponsors listed below. If you were unable to attend the 2017 Annual Meeting, we hope you will make plans to join us next year!

• 2ndStPub• AffordableRemodeling

&HomeImprovements• AllStarrPowerwashing• AlphaMedia• AmericanSolutionsfor

Business• AnswerHeating&

Cooling• Artisan’sLandscaping

andDesign• AvonBeautyCenter• BandKAppraisal• BavarianInn• BridgeportTowing&

Repair• ChronicledKeepsakes

Photography• CumulusMedia• DobisLandscaping• GarberBuick• GayleGreenFlorist• Gobeyn’sMarathon

Service• GreenAcresGolf

Course

• HerbertRoofing• HillierStudio• InformaBusiness

Systems• Jonnie-on-the-spot• LaClairSales• LamplighterFlower

Shop• Louie’sPetBeastro• Mr.Moustache’sPhone

Repair• Pat’sFoodCenter

&DoItBestHardware• Peggy’sSalon• Pride&CountryVillage

ofSaginaw• SaginawBayAreaTitle

Agency• SaginawSpirit• StretchLimo• TimbersGolfClub• TSSFArchitects• WeissEquipment• YeagerAsphalt&

Roofing

Start earning cash back on your debit card purchases!

With the new United Financial Ampre program, you can start earning cash back on debit card purchases just by using your United Financial debit card at participating Ampre merchants, including your favorite regional and local retailers. Simply visit www.unitedfinancialcu.org/debit-card-ampre to create your Ampre account, browse offers, and start earning cash back today!

INTRODUCING

Control Your Debit Card

FROM YOUR Phone!Download United Financial Credit Union’s MobiMoney smartphone app from the iTunes App Store or Google Play. Enjoy mobile card controls that help you monitor and manage your debit card.

FEATURES:• Lost your card? No problem!

Log into MobiMoney and deactivate your card with one swipe!

• Receive notifications and alerts about transactions and fraud alerts

• Restrict usage by merchants, locations, card users and spending amounts

HOLIDAY CLOSINGS

ANDROID APP ON

ANDROID APP ON

FOR MORE INFORMATION OR ANY QUESTIONS, PLEASE GIVE US A CALL AT 989-777-3620 OR VISIT

WWW.UNITEDFINANCIALCU.ORG/MOBIMONEY.

© CUAdvantage.com • 877.799.0784

Federally insured by NCUA.

Impacty o u r c o m m u n i t y c r e d i t u n i o n s

Saginaw

LOAN RATESAs of April 1, 2017

APR* Loan Type As Low As

Vehicle Loans 1.99%Classic Car Loan 7.00%Recreational Vehicle 1.99%• Includes travel trailers, motor homes, boats, motorcycles and snowmobilesPersonal/Signature 7.90%Quick Cash 14.90%First Mortages 3.125%• Fixed & Balloon available

Rural Development Call for Current

Rate

Second Mortgages 5.00%Home Equity Line-of-Credit 3.75%***

Vacant Land 4.75%

Formoredetailsandrates,checkoutourwebsite

www.unitedfinancialcu.org

*APR = Annual Percentage Rate. Rates and terms subject to change without notice.

**Variable rate. ***Variable rate. Maximum APR of 14.00%.

SCOREBOARD2nd Quarter as of February 28, 2017

Assets......................$202,640,682.16

Loans.......................$124,391,773.42

Members...................................21,623

Checking.Accounts.....................9,923

MISSION STATEMENTUnited.Financial.Credit.Union.will.provide.affordable,.friendly,.and.quality.service.to.our.members..

We.are.committed.to.the.long-term.financial.stability.of.our.credit.union.

members.and.their.families!

Know How to Spot the TOP FIVE SCAMS!1. IRS SCAMS – In the midst of tax season,

con artists will pose as IRS employees via telephone and threaten victims with prosecution if they fail to provide immediate payment for “taxes owed.”

2. DEBT COLLECTION SCAMS – Like IRS scammers, fake debt collectors call consumers and demand payment, often in a threatening manner.

3. LOTTERY, SWEEPSTAKES AND GIFT SCAMS – Victimizing thousands of targets a year, scammers will contact victims, telling them they’ve won money, and ask them to wire the taxes in return.

4. EMPLOYMENT SCAMS – Scammers use online advertisements to offer part-time or work-from-home jobs, and then gather their victim’s personal information, and in some instances, often collect a “one-time” fee.

5. ONLINE PURCHASE SCAMS – Scammers sell fake merchandise online and pocket the money, leaving the victims with no way to recover the money spent. (TIP: Before making purchases online, always look for the “https” at the start of the web address to ensure the site is legit.)

That’s why United Financial is pleased to offer IDProtect with our personal checking accounts. For a low monthly fee of $1.99, you, your joint account holders, and eligible family members can gain peace of mind with:

• Total identity monitoring• 3-in-1 credit file monitoring• 3-in-1 credit report• Credit score

• Identity theft expense reimbursement coverage

• And more!

Plus, should you ever fall victim to identity fraud, you’ll be assigned a dedicated fraud specialist to manage your case, and experienced recovery professionals will handle the recovery process until your identity is restored!

If you’re not taking advantage or IDProtect yet, contact a United Financial member service representative to start protecting yourself today.

Some restrictions apply. Please contact the Credit Union for complete details.

SPRING TRIPSSaturday,May20th COST: $82

TurkeyvilleDinnerShow-"GettingMamaMarried"(Thiswillbeasellout!)

When Ann Finnery’s second husband left her five years ago for a younger woman, she swore off men forever. Instead of a man, she involves herself with house plants, bridge puzzles and murder mysteries. Daughter Julie plans to change all of that.

F O R M E M B E R S A G E S 6 4 & B E T T E R !

Call989-777-3620forClub64QuestionsRegistrationformonlineatwww.unitedfinancialcu.orgorstopbyoneofourbranches

FORTRIPQUESTIONSCONTACT:TourTimeUSA–989-892-3161•BayCity,Saginaw,MidlandMichigan

Becoming a victim of identity fraud is a frightening, frustrating experience, and it can happen to anyone at any time.

NEIGHBORHOOD IMPROVEMENT PROGRAMWhether you’re looking to make improvements to your current home or considering the purchase of your first home, the Federal Home Loan Bank Neighborhood Impact Fund (NIP), Accessibility Modification Program (AMP), or Federal Home Loan Bank Homeownership Opportunities Program (HOP) may be just what you need to get behind your dreams!

NIP ELIGIBLE IMPROVEMENTS• Heating and air conditioning• Well/septic system• Water heater• Plumping systems• Windows, siding, roofing,

exterior doors, and insulation

AMP ELIGIBLE IMPROVEMENTS• Handicap ramps• Handicap bathroom and

kitchen modifications

HOP HIGHLIGHTS• Down payment assistance up

to $8,000.00• First time homebuyer• Homebuyer must contribute

$1,000.00 of their own funds toward the purchase

• Homebuyer must complete a counseling/education program prior to loan closing

• Homebuyer(s) must demonstrate at least 1 full year of employment with current employer

upcoming E V E N T SUnited Financial takes pride in supporting

and giving back to our community. This quarter, we have the pleasure of

supporting the American Cancer Society and participating in the Walleye Festival.

APRIL 27-30 Freeland Walleye Festival

APRIL 27 Walleye 5k/10k Race

APRIL – JUNE American Cancer Society

PO Box 6430Saginaw, MI 48608

PRSRT STDU.S. POSTAGE

PAIDCUADVANTAGE

NATIONAL YOUTH SAVING CHALLENGE™

Jump-start your college savings fund with a chance to win an Amazon Fire Tablet! As part of our Youth Week celebration, we are participating in the National Youth Saving Challenge. Each deposit of $5 or more during the month of April, their name will be entered in a drawing for an Amazon Fire Tablet.*Members who wish to enter drawing for the tablet without making a deposit may do so by submitting their Name, Address, and Phone Number on a blank, 5.5x4.5” sheet of paper to: United Financial Credit Union, 4685 State St., Saginaw, MI 48603, Attn: Marketing. Must be submitted by May 5, 2017.

National Credit UnionYouth Month™ April 1-30, 2017

Every saver is unique, but most people who save regularly are the ones who developed the habit early in life. Learning to delay gratification in order to save for long-term goals is

a crucial life skill and one that United Financial Credit Union is committed to helping our youngest members develop. We invite you to join us as we celebrate National Credit Union Youth Month by helping our young members Give a Hoot about Saving by helping them understand good savings habits, smart money management, and the benefits of their credit union membership.

It’s never too early for children to start saving with a credit union account, so if your child, grandchild, niece, or nephew doesn’t have an account yet, be sure to bring them by during Youth Month to open one! Every youth or teen who opens a new account will receive a special prize, making it the perfect opportunity to introduce children to the importance of saving.

MDA Shamrock Salesfrom February 1 – March 17Raised $2,991.02

Contact the Credit Union at 989-777-3620 ext. 5104 to

determine eligibility. Certain restrictions apply.

past EVENTS