Welcome to WSCU's Fall Newsletter 

To see pictures, content and activate links- view it in your browser.

Spend Smart & Win With e-Track!

With the holiday season fast approaching, e-Track can help you spend smart and stay on track so you're prepared for the extra spending in the months ahead.

Spend smart with e-Track for a chance to win CASH!
Set up a spending target in e-Track between October 1 and November 30, 2015 and be entered to win $500, $250, or one of three $100 prizes.

Click here for full details and rules.

Home Improvements - DIY or Hire?

Home improvement experts recommend answering a few questions before you begin any DIY project. 
Is it worth your time and effort?
Before beginning a project, think about the time you have available to complete it and whether or not it's worth the time investment. Also, materials can cost more than you think, especially since professionals get better pricing.
How risky is it?
Any project that has the potential to seriously injure you or severely damage your home should be left to a professional. Avoid anything involving electrical lines, natural gas pipes, and even plumbing.
Do you have the knowledge, skills and equipment needed?
Some projects are quite extensive and require finite skills and special equipment to complete. Do you have everything you need to finish the project, and do it correctly?
Do you enjoy DIY?
Start with small DIY projects, such as painting a single room before tackling the entire interior. Take the time to research while evaluating your space, budget and true needs/wants.

Going Green is Easy & Affordable

The use of solar energy is increasing in popularity. So what is solar energy and how could it benefit you?
How Solar Energy Works
Solar photovoltaic (PV) panels are installed on the roof of your home. The panels convert sunlight to direct current (DC) electricity, which is fed into a power inverter. The inverter then converts DC to alternating current (AC) electricity to be used for your household needs.
Connecting to the Grid
A grid-tied system allows you to receive credit for excess electricity your panels produce. You can also receive electricity from the grid if production of your panels falls short of your needs.
Net Metering
This is the billing arrangement between solar energy users and the power company. Residents accrue credits, which roll over month to month. These credits provide major savings, and are a great way to bank excess energy during the sunny summer months to use in the winter.
Benefits of Solar Energy
Solar is fuel-free, pollution-free, and reduces line losses on the grid and provides energy during the daytime when energy is most expensive and in high demand. Solar also provides immediate energy savings after the initial up-front cost.
How to Get Started
Click here to get more information on how to get started and take advantage of the 30% tax credit available until December 31, 2016. Financing is easy with a WSCU Home Equity Solar Energy Loan. Click here to apply.

Stress Less this Holiday Season

Here are 7 tips to help you avoid the added stress that comes with the holidays.
Preparation and No Procrastination
Use the time you have now to start planning, begin laying out your budget, and start watching for sales and coupons.
Make Lists
Writing down things that need to be done will ensure you don't forget anything.
Know Your Limit
Plan out your spending budget before you hit the malls, and remember that a gift from the heart is better than an expensive one.
Trim Your List
Consider who you really need to exchange gifts with, and try giving group gifts rather than individual ones.
Ditch the Crowds
Shopping from home saves fighting crowds, standing in line, and driving all over town. Many online stores offer discounts or free shipping, so take advantage.
Store Wrapping
For those items you end up buying in stores, always ask for gift boxes or bags with tissue paper. Some stores will even wrap the gift for free and save you last minute Christmas Eve wrapping.
Do What Matters Most to You
It's nearly impossible to see all your friends and family, so figure out what is most important to you, such as certain traditions, and make time for those. You deserve to enjoy the holidays too.

Commitment to Community

Pink Fridays
Each Friday in October is Pink Friday. We want all of our employees and members to wear pink in support of Breast Cancer Awareness. If you come into any branch wearing pink, you'll be entered into a weekly prize drawing. We will also make a donation to breast cancer research in your name.

Food Drive
WSCU will be holding a food drive to collect non-perishable items to be donated to the Rescue Mission of Ogden. Donations will be accepted November 2nd until December 9th. There will be large bins at each branch to collect the items.

Warm the Soles
Our Winter Skip-a-Payment gives you extra cash for the holidays. A fee of $35 applies for each loan payment skipped, and the proceeds are donated to the Warm the Soles program to purchase shoes for kids. Fill out the form and mail or deliver to WSCU by December 31, 2015. Donations are also accepted at any branch.




Protection is Our Priority
Powering Life's Adventures! 
WSCU wants to help you get out more often by offering adventure discounts. Stop into any branch and pick up discounted Snowbasin Day Passes
Each pass is only $74 - a savings of $25!
Receive Mobile Payments
You could WIN a Grand Prize Trip to Super Bowl 50
Imagine a 4-day, 3-night getaway complete with two prime seats to the Golden Super Bowl. The more you use your WSCU Visa, the more chances you have to win. Contest ends 11/30/2015.
Click here for Official Rules.
2.99% APR* Home Equity Loans
Double the Rewards, Double the Fun 
2X Rewards on all purchases made with your Visa Platinum Rewards Card from October 15, 2015 to December 31, 2015.


Holidays & Closures
WSCU will be closed on the following days:

Columbus Day on October 12th

Veterans Day on November 11th

Thanksgiving on November 26th

Christmas Eve (3pm) on December 24th

Christmas Day on December 25th

New Year's Eve (3pm) on December 31st

New Year's Day on January 1st

Visit US

Main Branch
4140 Harrison Blvd.
Ogden, UT 84403
Monday- Friday, 9am-6pm
Monday- Friday, 9am-6pm
Saturday, 9am-1pm

Roy Branch
5997 S. 3500 W.
Roy, UT 84067
Monday- Friday, 9am-6pm
Monday- Friday, 9am-6pm
Saturday, 9am-1pm

North Branch
2388 N. 400 E. (Washington Blvd.)
North Ogden, UT 84414
Monday- Friday, 9am-6pm
Monday- Friday, 9am-6pm
Saturday, 9am-1pm

Shepherd Union Money Hub
2106 University Circle
Ogden, UT 84403
Monday- Friday, 8am-4pm
Copyright © *|2013|* *|Weber State Credit Union|*, All rights reserved.
Our mailing address is:
4140 Harrison Blvd.
Ogden, UT 84403
Our Web Site is:
Our Phone number is: