United Teletech conducts U-Prosper Reality Fair at Monmouth … · 2019-03-06 · United Teletech...
Transcript of United Teletech conducts U-Prosper Reality Fair at Monmouth … · 2019-03-06 · United Teletech...
SUMMER2014
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
United Teletech conducts U-Prosper Reality Fair at Monmouth Regional High SchoolOn May 30, 2014, United Teletech Financial sponsored a U-Prosper Reality Fair at Monmouth Regional High School. Over 250 students participated in the event staffed by teachers and credit union volunteers. A reality fair is a fun, hands-on way for students to learn about managing personal finances and the benefits of joining a credit union.
Students select a career and are given a commensurate salary and credit score. The students then visit various stations to purchase things they would need in the real world: housing, car, food, etc. The goal is for the students to meet all their monthly obligations, while still having some money left over to save for the future.
If you’d like to learn more about holding a free U-Prosper Financial Reality Fair at your high school or company, visit utfinancial.org/u-prosper-reality-fairs.
United Teletech Financial offers these Financial Reality Fairs free of charge to interested high schools, companies, and organizations. Financial Reality Fairs are just one facet of the larger U-Prosper program, which strives to bring financial education and security to everyone in our community.
At United Teletech Financial, we understand that you may have put off your home
improvement projects because you don’t have a lot of equity - but don’t worry. We
have developed new home equity loan products that can handle most low equity
situations.
• Terms up to 120 months
• Combined loan-to-value (CLTV) up to 105% of home appraised value*
• Fixed terms and rates
• Call us today: 866-462-5532
No Equity? No Worries. We can help!
*We’d Like You To Know: Loan proceeds may not be used to refinance any existing loan with UTF. Home may not be currently listed for sale or previously listed in past 6 months. Offer is subject to change without notice.
Partnership with Ray Catena
How does theprogram work?
1. Get an auto loan preapproval by calling
866-462-5532.
2. Make an appointment to test drive the car of your
dreams.
3. Bring your preapproval letter to your test drive and
view your member only pricing.
4. Close your loan and enjoy your new car.
Labor DayMonday, September 1, 2014
UTF is proud to announce our partnership with Ray Catena Automotive Group. With this program, United Teletech members have access to special pricing at all Ray Catena dealerships. Their dealer network consists of 13 dealerships in New Jersey, and 3 dealerships in New York. As an added bonus, we’re offering no payments for 90 days. There has never been a better time to get a new car!
Get the car you want, without mom or dad.
First Time Auto Buyer Program
Holiday Closings
• Terms up to 72 months
• Fixed rate
• Sound financial advice
No co-signer required
Call 866-462-5532
You’ve done everything you’re supposed to do: you went to school, put in the hard work, finished your degree, and got your first job. Unlike the big banks that still treat you like a kid, United Teletech Financial recognizes that buying your first car is a big step towards the independence you’ve worked hard for. That’s why we created the First Time Auto Buyer Program that allows you to get an auto loan on your own - without mom or dad co-signing.
Car Buying Tips
The car buying processBuying a car is exciting, potentially stressful, and often expensive. In fact, for many people, buying a car is the third most expensive type of transaction they have – after a house and an education. To make the process easier, consider that there are three parts of the process – choosing the car you want, negotiating the purchase, and paying for the car.
Choosing the car you want and can affordWhether you decide to buy a new or a used car, be sure to do your homework. Along with considering the creature comforts of the car and whether you like it, you should also investigate the reliability of the car and the costs to drive it. Be sure to take every car you are considering for a test drive.
Negotiating the purchaseThis is the most stressful part. You will be spending a considerable amount of money and car sales people are notorious for their aggressive sales techniques. Always remember that you are the customer and that there are many car dealerships that would love to have your business.
Do your homework and be prepared before you walk into an auto showroom. When you are ready to buy, you should come with facts, and there is no better place to get those facts than the Internet. Do not be afraid to take printed copies of competitive pricing and show them to the sales person.
Paying for the carAlthough paying for your car is the last step in the purchase process, it is a good idea to secure financing at your credit union before you walk into the showroom. That will be one less thing to distract you during the test drive and negotiation process, and will help you stay within your budget.
Be sure to fully understand all the details before you sign any documents.
The new or used decisionThis is usually a matter of your preference and what you can afford. New cars are nice and usually come with a warranty that covers unforeseen expenses, but they are more expensive. If you are considering a used car, be sure to do some extra homework on the particular car you are considering. Have a qualified mechanic inspect the car and you may want to get a Vehicle History Report (websites like www.Carfax.com offer these reports) to learn if the car was ever stolen, salvaged or recalled. The report will also provide information on the number of previous owners, whether it ever failed an inspection or if someone tried to modify the odometer.
Smart Money.Now with Mobile Deposit.
• Transfer money• View recent activity • Pay other people with popmoney• Pay bills• Deposit checks using your phone
Manage your money by using your smartphone.
Congrats Grads! UTF High School Students Awarded Scholarships.
There were over 240 applicants to this year’s Youth Involvement Board (YIB) Scholarship Program. Scholarships were
available to all high school seniors who are members in good standing of NJCUL-affiliated credit unions. Winners were
judged on scholastic achievement, extracurricular and community activities, teacher references and leadership qualities.
UTF and the New Jersey Credit Union League announce winners of 2013-2014 Youth Involvement Board (YIB) Scholarship Program.
$1,000 award winner:
• KassieKluinofEatontown Kassie will soon be attending Brookdale Community College.
$500 award winners:
• MadeleineParkes Attending Ithaca College this fall.
• GokulMukunda Attending Princeton University this fall.
Winners include:
TINTONFALLSATM, 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
NORTHBRUNSWICKATM, 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.
BOARDOFDIRECTORSRuth 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
Download the mobile banking app from United Teletech Financial.