Refinancing your current mortgage to a 10 year TimeShifter Mortgage could shave years off your mortgage and save you thousands of dollars in interest.

Be mortgage free in just 10 years at a rate as low as 3.24% APR* and no closing costs. There’s no reason not to refinance your mortgage with United Teletech Financial.

• 10 years

• 3.24% APR*

• No closing costs

• No brainer

*We’d Like You To Know: APR=Annual Percentage Rate. Rate is based on LTV<= 80%, credit worthiness and includes discount for United Rewards Checking. Minimum loan amount is $15,000. Documentation and filing fees from $288 up to $422 are waived. Other rates and terms available. Rates subject to change without notice.

TINTON FALLSATM, open access

205 Hance Ave. Tinton Falls, NJ 07724

Ph.: 732.530.8100 Fax: 732.530.2027

Lobby HoursMon–Thur: 9 a.m.–4 p.m. Fri: 9 a.m.–6 p.m. Sat: 9 a.m.–Noon

Drive-Up HoursMon–Fri: 8 a.m.–6 p.m. Sat: 9 a.m.–1 p.m.

MARLBOROATM, open access

67 Highway 9, Unit 4 Morganville, NJ 07751

Ph.: 732.530.8100 Fax: 732.536.1847

Lobby HoursMon–Thur: 9 a.m.–4 p.m. Fri: 9 a.m.–6 p.m. Sat: 9 a.m.–Noon

NEPTUNEATM, open access

3636 Highway 33 Neptune, NJ 07753

Ph.: 732.530.8100 Fax: 732.922.1838

Lobby HoursMon–Thur: 9 a.m.–4 p.m. Fri: 9 a.m.–6 p.m. Sat: 9 a.m.–Noon

Drive-Up HoursMon–Fri: 9 a.m.–6 p.m. Sat: 9 a.m.–1 p.m.

HOLMDELATM, open access

2111 Highway 35 North, Suite 3 Holmdel, NJ 07733

Ph.: 732.530.8100 Fax: 732.671.2732

Lobby HoursMon–Thur: 9 a.m.–4 p.m. Fri: 9 a.m.–6 p.m. Sat: 9 a.m.–Noon

NORTH BRUNSWICKATM, open access

The Shops at Commerce Place 2201 US Highway 1 South, Suite 119-B North Brunswick, NJ 08902

Ph.: 732.530.8100 Fax: 732.398.8609

Lobby HoursMon–Thur: 9 a.m.–4 p.m. Fri: 9 a.m.–6 p.m. Sat: 9 a.m.–Noon

Drive-Up HoursMon–Thur: 9 a.m.–5 p.m. Fri: 9 a.m.–6 p.m. Sat: 9 a.m.–1 p.m.

MIDDLETOWNATM, access allowed only to AT&T badge-holders

200 Laurel Avenue Middletown, NJ 07748 MT A2-3A07

Ph.: 732.530.8100 Fax: 732.368.8195

Lobby HoursMon–Fri: 8:30 a.m.–4:30 p.m.

BOARD OF DIRECTORSRuth Ann Kluin Chairman

Michael Hou 1st Vice Chairman

Derek D. Mahoney 2nd Vice Chairman

Ann C. Weingartner Treasurer

Gilbert B. Harris Secretary

Randall F. Weihs Director

Robert E. Hodges Director

Irene Kurc Supervisory Committee Chairman

FALL 2014

T h e N e w s l e t t e r f o r M e m b e r s o f U n i t e d T e l e t e c h F i n a n c i a l F e d e r a l C r e d i t U n i o n

Making Holiday Deals Merry

Pay Off Your Mortgage Sooner!

The holiday season is upon us, so it’s time to mentally prepare yourself for what lies ahead. Over the next few months, your sanity will be tested repeatedly. From long lines at stores for toys you don’t even understand, to sitting in traffic while traveling to see family you don’t even want to see, it’s going to be tough. Adding to that stress is the never-ending task of trying to get the best deals for things you want to buy. This is certainly a year-round annoyance, but it can be especially frustrating during the holidays. But don’t let it beat you. Holiday promotions can make your life easier if you just dedicate a little time to figuring things out.

Retailers know that you’ll be looking for more products during the holiday season, so they know you’ll be more tempted by deals and coupons. There’s a reason your inbox is being flooded with all sorts of offers this time of year. But with so much going on, it can be difficult to figure out what coupon is actually going to save you money and what deal is actually a deal. Pretty soon you’re so delirious you’re telling your cat jokes about “the purrrr-fect discount.”

Don’t be discouraged. It happens to all of us. The key to avoiding holiday deal overload is patience. Make a list of what you want to buy well ahead of when you set foot in the store, so you’re not tempted by low prices on things your recipients don’t need or want. Then take some time to figure out where the items you want to buy are located (either online or in stores); and narrow your focus to deals from those places. Also, if you’re going to be traveling, do some research and see if you’ll be around those stores and what their discounts will be. Then pour over the details of those deals. If need be, travel with coupons.

Another way to make holiday deals work for you is to see what deals can be connected to other deals. For example, USA Today cited a deal by Kroger. The chain was offering four times the points for gas discounts if a person purchased gift cards during a limited time. The person in the scenario knew that they were going to buy something from Best Buy, so they purchased a Best Buy gift card at Kroger, and scored a ton of points for discounts on gas. She then used those discount points to save almost $150 on gas, and still bought the item from Best Buy.

Every little bit of savings helps during the holidays, but you’ve got to be willing to put in some time to sort through all the madness. If you do, you’ll be able to say “Happy Holidays!” to people and actually mean it.

Chris O’Shea - savvymoney.com

TimeShifter Mortgage from United Teletech Financial

To make the holiday season a little merrier and more affordable, United Teletech Financial has a program that will allow members with certain loans to skip a monthly loan payment for a nominal fee. Use the extra cash you’ll save as you please – for gifts, travel, charity, New Year’s resolutions or entertaining. Sign up now to skip one month of your Auto, Fixed Rate Home Equity or Personal Loan.

*We’d Like You to Know: All requests to skip a payment must be approved by loan servicing. By signing up you agree to amend the terms of your original agreement and to repay the entire unpaid balance and additional accrued interest. First Mortgages, HELOC and Credit Cards are not eligible for this program. To be eligible for this special offer, all credit union accounts must be in good standing and loan must be in existence for a minimum of six months. Limit one Skip-A-Loan Payment per 12-month period.

• Choose the month that works best for you: November or December.

• The fee is only $50 for monthly loan payments of up to $500 and $75 for monthly loan payments over $500.

• Help yourself, help others! We’ll donate 10% of your Skip-A-Loan Payment fee to the FoodBank of Monmouth and Ocean Counties.

• Sign up today at utfinancial.org/skipapayment.

Skip-A-Loan Payment this Holiday Season

Holiday Closings Columbus Day - Monday, 10/13/14

Veterans Day - Tuesday, 11/11/14

Thanksgiving Day - Thursday, 11/27/14

Christmas Day - Thursday, 12/25/14

Your New MasterCard Debit Card

Identity Theft Protection

United Teletech Financial is excited to announce that we are partnering with MasterCard® as our United Teletech Financial debit card issuer.

When your new United Teletech Financial Debit MasterCard arrives, be sure to activate your new debit card, and take advantage of the many benefits. Remember, your card will have a new number. If you have recurring or automatic payments set up on your old debit card, please contact those merchants with your new card number and expiration date to ensure continuous service.

Questions? We’ll be happy to help! Just call us at 732.530.8100.

Whether you are booking your dream vacation, buying that new television, or making home improvements, United Teletech has the personal loan for you. Borrow up to $10,000 for as little as $259 per month* for pretty much anything you can imagine. With our new personal loans, you can:

• Use the funds for anything you want: holiday expenses, a dream vacation, new television, home improvements…anything!

• Close electronically – no need to come into a branch to close

• Pay off higher rate loans and credit cards from other institutions

• Pay monthly fixed payments

Call 866-462-5532, or visit utfinancial.org to apply today. *We’d Like You To Know: Offer presented is based off 48 month term at 10.99% APR and is subject to change without notice. APR=Annual Percentage Rate. Rate is based on credit worthiness and includes discount for direct deposit. Other rates and terms available.

Identity theft affects millions of Americans every year and is consistently the number one complaint to the Federal Trade Commission (FTC). The ever-increasing desire for mobile technology puts personally identifiable information (PII) at risk every day. And, with more than 30 different types of identity fraud reported to the FTC every year, being prepared is becoming a necessity. What would your next step be if any of the following happened to you?

• A skimmer at a gas station steals your credit card information and duplicates are sent all over the state.

• A thief impersonates you to apply for a new loan or credit card.

• A felon commits a crime and uses your name and information when apprehended.

• Your child’s Social Security number becomes compromised and the thief creates an entirely new identity, severely affecting your child’s financial future.

United Teletech Financial is now your first line of defense against Identity Theft! With your United Rewards Checking account, you now receive valuable consumer benefits, in addition to comprehensive identity fraud protection!

Learn more at utfinancial.org/frauddefender.

FALL 2014

What Stays the Same:

•PersonalIdentificationNumber(PIN)

•CheckingAccountNumber

•DailyATMwithdrawalandpurchaselimits

•ZeroLiabilityprotectionagainstunauthorizedpurchases

What’s New:

•Cardnumberandexpirationdate

Did you know that your new MasterCard Debit Card comes with these added benefits?

•Zeroliabilityprotectionagainstunauthorizedpurchases

•MasterCardGlobalService

•PriceProtection

•MasterCardAirportConcierge

•ExtendedWarranty

•SatisfactionGuarantee

Learn more about these benefits at utfinancial.org/mastercard.

Personal Loans For The Things You Want

The Next Generation Of CheckingIntroducing United Rewards Checking

One in 14 will become a victim of Identity Theft

BORROW UP TO$10,000$259 PER MONTH*

FOR AS LITTLE AS

Debit Rewards• Earn valuable points for the purchases you already

make every day to redeem for cash or merchandise

• Debit rewards can be combined with credit card rewards

• Rewards also include discounts at local, regional and national retailers

• Use your rewards points to shop at your very own CU Rewards mall

Identity Theft Protection: Fully Managed Identity Fraud Research, Remediation and Recovery Services • Fully managed resolution of identity theft by a licensed

identity recovery advocate

• Covers any identity theft event (financial fraud, retail fraud, medical fraud, etc.)

• Coverage for you and your family members

Call 855-UProsper, or visit utfinancial.org/unitedrewards to apply today.

Holiday Closings Columbus Day - Monday, 10/13/14

Veterans Day - Tuesday, 11/11/14

Thanksgiving Day - Thursday, 11/27/14

Christmas Day - Thursday, 12/25/14

Your New MasterCard Debit Card

Identity Theft Protection

United Teletech Financial is excited to announce that we are partnering with MasterCard® as our United Teletech Financial debit card issuer.

When your new United Teletech Financial Debit MasterCard arrives, be sure to activate your new debit card, and take advantage of the many benefits. Remember, your card will have a new number. If you have recurring or automatic payments set up on your old debit card, please contact those merchants with your new card number and expiration date to ensure continuous service.

Questions? We’ll be happy to help! Just call us at 732.530.8100.

Whether you are booking your dream vacation, buying that new television, or making home improvements, United Teletech has the personal loan for you. Borrow up to $10,000 for as little as $259 per month* for pretty much anything you can imagine. With our new personal loans, you can:

• Use the funds for anything you want: holiday expenses, a dream vacation, new television, home improvements…anything!

• Close electronically – no need to come into a branch to close

• Pay off higher rate loans and credit cards from other institutions

• Pay monthly fixed payments

Call 866-462-5532, or visit utfinancial.org to apply today. *We’d Like You To Know: Offer presented is based off 48 month term at 10.99% APR and is subject to change without notice. APR=Annual Percentage Rate. Rate is based on credit worthiness and includes discount for direct deposit. Other rates and terms available.

Identity theft affects millions of Americans every year and is consistently the number one complaint to the Federal Trade Commission (FTC). The ever-increasing desire for mobile technology puts personally identifiable information (PII) at risk every day. And, with more than 30 different types of identity fraud reported to the FTC every year, being prepared is becoming a necessity. What would your next step be if any of the following happened to you?

• A skimmer at a gas station steals your credit card information and duplicates are sent all over the state.

• A thief impersonates you to apply for a new loan or credit card.

• A felon commits a crime and uses your name and information when apprehended.

• Your child’s Social Security number becomes compromised and the thief creates an entirely new identity, severely affecting your child’s financial future.

United Teletech Financial is now your first line of defense against Identity Theft! With your United Rewards Checking account, you now receive valuable consumer benefits, in addition to comprehensive identity fraud protection!

Learn more at utfinancial.org/frauddefender.

FALL 2014

What Stays the Same:

•PersonalIdentificationNumber(PIN)

•CheckingAccountNumber

•DailyATMwithdrawalandpurchaselimits

•ZeroLiabilityprotectionagainstunauthorizedpurchases

What’s New:

•Cardnumberandexpirationdate

Did you know that your new MasterCard Debit Card comes with these added benefits?

•Zeroliabilityprotectionagainstunauthorizedpurchases

•MasterCardGlobalService

•PriceProtection

•MasterCardAirportConcierge

•ExtendedWarranty

•SatisfactionGuarantee

Learn more about these benefits at utfinancial.org/mastercard.

Personal Loans For The Things You Want

The Next Generation Of CheckingIntroducing United Rewards Checking

One in 14 will become a victim of Identity Theft

BORROW UP TO$10,000$259 PER MONTH*

FOR AS LITTLE AS

Debit Rewards• Earn valuable points for the purchases you already

make every day to redeem for cash or merchandise

• Debit rewards can be combined with credit card rewards

• Rewards also include discounts at local, regional and national retailers

• Use your rewards points to shop at your very own CU Rewards mall

Identity Theft Protection: Fully Managed Identity Fraud Research, Remediation and Recovery Services • Fully managed resolution of identity theft by a licensed

identity recovery advocate

• Covers any identity theft event (financial fraud, retail fraud, medical fraud, etc.)

• Coverage for you and your family members

Call 855-UProsper, or visit utfinancial.org/unitedrewards to apply today.

Refinancing your current mortgage to a 10 year TimeShifter Mortgage could shave years off your mortgage and save you thousands of dollars in interest.

Be mortgage free in just 10 years at a rate as low as 3.24% APR* and no closing costs. There’s no reason not to refinance your mortgage with United Teletech Financial.

• 10 years

• 3.24% APR*

• No closing costs

• No brainer

*We’d Like You To Know: APR=Annual Percentage Rate. Rate is based on LTV<= 80%, credit worthiness and includes discount for United Rewards Checking. Minimum loan amount is $15,000. Documentation and filing fees from $288 up to $422 are waived. Other rates and terms available. Rates subject to change without notice.

TINTON FALLSATM, open access

205 Hance Ave. Tinton Falls, NJ 07724

Ph.: 732.530.8100 Fax: 732.530.2027

Lobby HoursMon–Thur: 9 a.m.–4 p.m. Fri: 9 a.m.–6 p.m. Sat: 9 a.m.–Noon

Drive-Up HoursMon–Fri: 8 a.m.–6 p.m. Sat: 9 a.m.–1 p.m.

MARLBOROATM, open access

67 Highway 9, Unit 4 Morganville, NJ 07751

Ph.: 732.530.8100 Fax: 732.536.1847

Lobby HoursMon–Thur: 9 a.m.–4 p.m. Fri: 9 a.m.–6 p.m. Sat: 9 a.m.–Noon

NEPTUNEATM, open access

3636 Highway 33 Neptune, NJ 07753

Ph.: 732.530.8100 Fax: 732.922.1838

Lobby HoursMon–Thur: 9 a.m.–4 p.m. Fri: 9 a.m.–6 p.m. Sat: 9 a.m.–Noon

Drive-Up HoursMon–Fri: 9 a.m.–6 p.m. Sat: 9 a.m.–1 p.m.

HOLMDELATM, open access

2111 Highway 35 North, Suite 3 Holmdel, NJ 07733

Ph.: 732.530.8100 Fax: 732.671.2732

Lobby HoursMon–Thur: 9 a.m.–4 p.m. Fri: 9 a.m.–6 p.m. Sat: 9 a.m.–Noon

NORTH BRUNSWICKATM, open access

The Shops at Commerce Place 2201 US Highway 1 South, Suite 119-B North Brunswick, NJ 08902

Ph.: 732.530.8100 Fax: 732.398.8609

Lobby HoursMon–Thur: 9 a.m.–4 p.m. Fri: 9 a.m.–6 p.m. Sat: 9 a.m.–Noon

Drive-Up HoursMon–Thur: 9 a.m.–5 p.m. Fri: 9 a.m.–6 p.m. Sat: 9 a.m.–1 p.m.

MIDDLETOWNATM, access allowed only to AT&T badge-holders

200 Laurel Avenue Middletown, NJ 07748 MT A2-3A07

Ph.: 732.530.8100 Fax: 732.368.8195

Lobby HoursMon–Fri: 8:30 a.m.–4:30 p.m.

BOARD OF DIRECTORSRuth Ann Kluin Chairman

Michael Hou 1st Vice Chairman

Derek D. Mahoney 2nd Vice Chairman

Ann C. Weingartner Treasurer

Gilbert B. Harris Secretary

Randall F. Weihs Director

Robert E. Hodges Director

Irene Kurc Supervisory Committee Chairman

FALL 2014

T h e N e w s l e t t e r f o r M e m b e r s o f U n i t e d T e l e t e c h F i n a n c i a l F e d e r a l C r e d i t U n i o n

Making Holiday Deals Merry

Pay Off Your Mortgage Sooner!

The holiday season is upon us, so it’s time to mentally prepare yourself for what lies ahead. Over the next few months, your sanity will be tested repeatedly. From long lines at stores for toys you don’t even understand, to sitting in traffic while traveling to see family you don’t even want to see, it’s going to be tough. Adding to that stress is the never-ending task of trying to get the best deals for things you want to buy. This is certainly a year-round annoyance, but it can be especially frustrating during the holidays. But don’t let it beat you. Holiday promotions can make your life easier if you just dedicate a little time to figuring things out.

Retailers know that you’ll be looking for more products during the holiday season, so they know you’ll be more tempted by deals and coupons. There’s a reason your inbox is being flooded with all sorts of offers this time of year. But with so much going on, it can be difficult to figure out what coupon is actually going to save you money and what deal is actually a deal. Pretty soon you’re so delirious you’re telling your cat jokes about “the purrrr-fect discount.”

Don’t be discouraged. It happens to all of us. The key to avoiding holiday deal overload is patience. Make a list of what you want to buy well ahead of when you set foot in the store, so you’re not tempted by low prices on things your recipients don’t need or want. Then take some time to figure out where the items you want to buy are located (either online or in stores); and narrow your focus to deals from those places. Also, if you’re going to be traveling, do some research and see if you’ll be around those stores and what their discounts will be. Then pour over the details of those deals. If need be, travel with coupons.

Another way to make holiday deals work for you is to see what deals can be connected to other deals. For example, USA Today cited a deal by Kroger. The chain was offering four times the points for gas discounts if a person purchased gift cards during a limited time. The person in the scenario knew that they were going to buy something from Best Buy, so they purchased a Best Buy gift card at Kroger, and scored a ton of points for discounts on gas. She then used those discount points to save almost $150 on gas, and still bought the item from Best Buy.

Every little bit of savings helps during the holidays, but you’ve got to be willing to put in some time to sort through all the madness. If you do, you’ll be able to say “Happy Holidays!” to people and actually mean it.

Chris O’Shea - savvymoney.com

TimeShifter Mortgage from United Teletech Financial

To make the holiday season a little merrier and more affordable, United Teletech Financial has a program that will allow members with certain loans to skip a monthly loan payment for a nominal fee. Use the extra cash you’ll save as you please – for gifts, travel, charity, New Year’s resolutions or entertaining. Sign up now to skip one month of your Auto, Fixed Rate Home Equity or Personal Loan.

*We’d Like You to Know: All requests to skip a payment must be approved by loan servicing. By signing up you agree to amend the terms of your original agreement and to repay the entire unpaid balance and additional accrued interest. First Mortgages, HELOC and Credit Cards are not eligible for this program. To be eligible for this special offer, all credit union accounts must be in good standing and loan must be in existence for a minimum of six months. Limit one Skip-A-Loan Payment per 12-month period.

• Choose the month that works best for you: November or December.

• The fee is only $50 for monthly loan payments of up to $500 and $75 for monthly loan payments over $500.

• Help yourself, help others! We’ll donate 10% of your Skip-A-Loan Payment fee to the FoodBank of Monmouth and Ocean Counties.

• Sign up today at utfinancial.org/skipapayment.

Skip-A-Loan Payment this Holiday Season