You could help our local children's hospital win $50,000! Simply go to VoteForMiracles.org and cast your vote every day through December 19th. The five hospitals with the most votes will share a $100,000 donation with the top vote-getter receiving $50,000! Select the hospital you want to vote for and remember to select Upward Credit Union as your credit union so the money stays in our area to help local kids. Come back and vote every day and share your support with friends and family on Facebook and Twitter using #VoteForMiracles.
We're always looking for ways to help you save. We know cash is tight during the holidays. That's why we're offering you the opportunity once again this year to skip a loan payment! This offer is good only for the months of November, December and January. Keep some extra cash in your pocket to make your holidays a little merrier. Click here to skip a payment!
Interest will continue to accrue. Loans must be current with no prior extension or have not been delinquent more than twice over 30 days. Loan must be at least 6 months old. All requests MUST be in writing and skips will ONLY be placed on loan suffixes indicated. If your loan payments are normally paid by payroll deduction, understand that the funds will still be deducted but instead of being applied to the loan it will remain in the transfer account. This promotion cannot be used for Real Estate secured loans, Visa® Cards, or Overdraft Line of Credit loans.
Cover all of your holiday expenses with this festive loan! Get up to $2,500 at 12% APR* or less and use the money for gifts, parties, travel or starting a new holiday tradition. Hurry! This offer is only available through December 22nd. Stop by or apply online today!
*APR = Annual Percentage Rate. Maximum loan term is twenty-four (24) months. Maximum loan amount is $2,500. Offer valid from December 1-22, 2017. Valid for qualifying members only. Upward Credit Union reserves the right to change or end this offer at any time. All loans are subject to credit approval. See credit union for details.
We have a great way for you to make a difference in the life of your friends and your community! We know you love being a member of Upward Credit Union, so why not share the good news? For every member that you refer to join Upward Credit Union, we will donate $25* to one of the following charities:
Make a difference! Stop by for more information.You will be contacted in early January for your preferred charity.
*Offer valid October 1 – December 31, 2017. Donations will be given to each charity in one lump sum at the end of the promotional period. See credit union for details.
Bloom Dental in San Mateo offers convenient and cost-effective dental care, including a subscription service for those without insurance for as little as $25.00 a month. For subscription patients, Bloom Dental offers 25% off procedures, in addition to covered cleanings, exams, and x-rays. In addition to the subscription service, Bloom Dental also accepts many insurance plans. Bloom Dental is a state of the art provider with benefits that range from paperless charts, digital x-rays, 24/7 access to make appointments, and a new Bluetooth connected electric toothbrush for patients. Visit them at bloomdental.co for more information.
According to the most recent data, most of the card fraud that occurred in 2015, occurred in the United States. Out of the entire world, the U.S. made up 47% of card fraud cases. This is why we’re proud to announce Visa Purchase Alerts. Visa Purchase Alerts send you real time text or email alerts when you pay with your Visa card.
By using this alert system, you no longer have to worry about your information being stolen. Visa Purchase Alerts can keep your account safe and secure by empowering you to catch fraud as well as stop it from happening it in the future. To begin using Visa Purchase Alerts, click here.
Sign up today and let’s start working together to keep your account secure.
Need Help With Financial Decisions?
We're dedicated to your financial wellness at Upward Credit Union. We understand you need advice from time to time! That's why we've teamed up with NerdWallet to help you make better financial decisions.
Tips from the Team
At Upward Credit Union, we're committed to making sure you have the tools to succeed financially. That's why we're introducing Tips from the Team.
Are you stuck paying high interest? Get an Upward CU credit card you don’t have to babysit for a manageable limit!
- Our rates are as low as 9.99%APR*
- NO annual fee
- NO balance transfer fee
Free up some cash for any reason! Get a fixed rate personal loan to pay off your existing credit card.
- No collateral required
- Low fixed rates
- Term varies with loan amount
*APR=Annual Percentage Rate. Subject to credit approval. Not all members will qualify, and rate will vary based on credit worthiness. See credit union for details.
Popmoney® has arrived! Now you don’t need to write a check or carry cash to pay people. Just use the Popmoney® personal payment service — available now inside Online Banking.
Simply log in to Online Banking and go to: Move Money > PopMoney/External Transfers > Pay Other People
All you need is their email address and/or cellphone number to:
- Pay rent or roommates.
- Cover shared expenses, like family-plan phone bills.
- Reimburse friends.
- Send the gift that always fits: money.
- Give an allowance.
- Pay for babysitting or lawn care.
It’s the quick, simple and secure way to move money from your account to theirs — with no need to exchange account numbers.
Despite all the advertising out there, here are three things you probably didn’t know about car insurance:
- It’s available at your credit union through the TruStage Auto & Home Insurance Program, complete with discounts for members.
- It’s built on the same values we are—good rates, excellent service and solid value.Switching from an existing policy is easy.
- Even if you just paid your premium to another company, you won’t lose a penny.
For a quick quote, you’ll need three things: Your driver’s license number, your vehicle identification number (VIN) and a bit of personal information. Isn’t it time for car insurance the credit union way? To get started, just call 1-888-380-9287 or or visit TruStageAutoHome.com
The new Upward Mobile App for iPad, iPhone, Android, and Kindle Fire is now available!
Download this new FREE application to manage your accounts, pay bills, find ATMs, and more! It's fast, secure, and free. Visit the Apple App Store, Google Play, or Amazon to download your new mobile app today!
FREE Financial Health Clinic
We want to help you save money in as many ways possible. We realize that you have a lot of "banking" choices, and we want to thank you for trusting us to continue to serve your financial needs.
As a thank you, we would like to offer you a FREE Financial Checkup. Our goal is to help you save as much money as possible by lowering your monthly payments and/or interest rates on loan and credit card balances that you have at other financial institutions. We will evaluate your current loans, interest rates, and monthly payments and give you an "apples to apples" comparison to show you just how much you could be saving by using more of the products and services at Upward Credit Union!
Call 650-231-1300 to schedule your free appointment today!
Credit Unions are a big topic among politicians lately regarding tax status. Banks are pushing for Congress to impose a tax on credit unions and because credit unions are member owned, that is essentially a tax on all credit union members.
As You Know: Credit Unions are a not-for-profit member owned cooperative. While credit unions are regulated by the federal and state governments, they are also governed by volunteer boards elected by their membership. Credit unions don't answer to stockholders, but to each of their 96 million members.
The credit union mission has always been to ensure secure financial choices at lower costs for their members. That's why credit unions offer financial products that provide better returns on savings, reduced rates on loans and lower or no fees on services.
What they are Saying: Banks and some in Congress want to raise taxes and impose new fees on 96 million credit union members who represent 40% of all Americans, yet represent only 6% of the assets in financial institutions. And, they want to do this despite the fact that credit unions are not-for-profit and meeting their core mission every day.
How You Can Help: You can take action today by letting your Congressmen know that you do not support the taxation of Credit Unions. Visit http://www.donttaxmycreditunion.org/ today to send your Congressmen an email saying "Don't Tax My Credit Union."
Don't let Congress raise taxes on 96 million credit union members. Don't let Congress eliminate real financial choice. Don't let Congress destroy our credit unions.
Credit Score Scares
Credit scores can be a scary thing when you're getting set to apply for a loan. It's almost as if these very secret computers check off everything you're doing with your credit, ready to put a big "denied" stamp on any application you'll fill out. Despite what you may have heard there are some things which don't directly affect that number.
According to CreditScoreQuiz.org developed by the Consumer Federation of America (CFA) the age...of the person applying...doesn't have a bearing on your score. But it may if the age of your credit history is young. In other words, if you've not applied for a loan before and don't have an established credit history, it will be hard to get good rates. You need to have borrowed money to borrow money.
This next one may seem a bit unusual...but you don't have to be educated in finances to have a good credit score. The rating agencies don't care if you know about consumer debt, how you feel about debt or even if you don't have the resources to pay it back. But if you miss payments, your score will go lower. The number of missed payments and amount owed does impact your score.
Carrying a balance doesn't always mean a lower score. However, if you carry a high balance, in relation to your credit limit, your score will go down.
Relationships such marital or family status aren't included in your credit score. But if you have joint accounts, if you're a co-signer on student loans, or car loans, watch out---all can lower your score. And beware that if you have authorized users on your accounts, it can also negatively affect your credit score.
Buying a car...checking for several different types of financing in a short period of time...won't lower your score. Multiple credit inquiries during that time don't affect the credit score. But don't forget to make payments on time once you've made that purchase.
Your credit score will take a hit if you have a personal bankruptcy. There's no way around that. But don't go to a "credit repair" company. They're unlikely to do much more than take money that would be better used to pay debts. Keep the middle man out of the process. Contact your lenders yourself, and work out some payments. Call your credit union for advice too.
Here's some advice in dealing with your credit score. Check it out several times a year for inaccuracies. You can do that through your loan officer at the credit union. Or you can obtain free credit reports from the three reporting agencies: Experian, Equifax, and Trans-union.
And keep your credit score steady with these tips. Make sure your payments for all your loans are on time. Keep those balances under control. And finally, as easy as it may seem to open accounts---avoid the urge. You'll benefit from the longer you have credit, not from opening several accounts at the same time.
If you want to learn more about your credit score take the CreditScoreQuiz.org which was put together by the Consumer Federation of America (CFA) and VantageScore Solutions.
Now Offering AFFORDABLE Car Title Loans and Payday Alternative Loans
With many predatory lenders charging interest rates in the hundreds, Upward Credit Union is now offering title loans at an extremely low rate of only 23% APR*.
We believe in providing socially responsible products and services for our members, and the new title loan product is an opportunity for you to get the quick cash that you need for a lot less money than you would pay in interest at a traditional title loan storefront in Burlingame. If you currently have a title loan somewhere else, please contact us to see if we can help you refinance the title loan over to Upward Credit Union.
Local Title Loan Provider:
|Amount Financed||Finance Charge||Monthly Payment|
|APR: 119.88% / Number of Payments: 24|
Upward Credit Union:
|Amount Financed||Finance Charge||Monthly Payment|
|APR: 23% / Number of Payments: 24|
*APR=Annual Percentage Rate.
Tips on Buying Your Next Vehicle
Beware zero percent financing!
Zero percent financing sounds like an amazing bargain--after all, how can you beat a no interest loan? Often, you can. Such "deals" frequently come with inflated prices for extended warranties and loan insurance, high application fees, and pre-payment penalties. And because you forfeit the rebate option, you end up paying a higher price for the car. You may also be required to repay the car in three years or fewer--resulting in a very high monthly payment.
Zero percent financing can be elusive. It is only offered to those with very good credit, as determined by the lender. And it is often not available for the most popular cars and trucks. When you're in the market for your next vehicle, let us help. Though we cannot offer 0% interest loans, taking advantage of a loan from Upward Credit Union with a competitive interest rate will most likely result in a better deal!
Dealer and Finance Company Loans
At an auto dealership, you will most likely be encouraged to use the dealers financing. While not all dealer loans are bad, in most cases a loan from Upward Credit Union will be a better deal.
Here are some tips to help you get the BEST deal on your next vehicle:
- STOP BY CAR LOTS WHEN THEY ARE CLOSED AND LOOK AT THE VEHICLES.
This gives you the opportunity to kick some tires when there's no high pressure sales person to hassle you while you look.
- DRIVE THE CAR IN THE DAYLIGHT.
If it is the one you are buying, you will want to make sure there are no dings or marks to be discovered later.
- GO LATER IN THE DAY.
The sales people will often be less likely to try and spend an excessive amount of time with one customer.
- ALWAYS PUT LIMITS ON YOUR BUDGET BEFORE GOING TO THE DEALERSHIP.
Never walk into the dealership unprepared. Know what model you're looking for, the options you want, and how much you can spend. Do not get "talked into" going past your pre-set limits. You set that limit for a reason. Think about it away from the dealership. If the dealership is afraid to let you go, or makes it uncomfortable for you to do so, this is more of a reason to get away and think.
- MOST IMPORTANTLY!
Get pre-approved for your auto loan before you go to the dealership. Apply online 24/7 at www.upwardcu.org. Walking into the dealership with a pre-approval shows that you're serious about making a purchase and gives you the upper-hand in negotiating the best price for your next vehicle.
Car buying tips courtesy of IFMAAutonetwork.com.