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This summer is sizzling with the Ultimate Adventure Contest, 2016 Adventure Calendar Contest and 10K Bonus Points for 10 Weeks!

 

Welcome to WSCU's Summer Newsletter 

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


Ultimate Adventure Contest


Invite your friends and family to become members of WSCU and you could win an all expenses paid* trip for two to Alaska, Riviera Maya or Costa Rica! The more friends and family you refer, the more chances you have of winning. You gain entries by:
  • Referring a friend or family member to become a member of WSCU
  • Opening a new product or service, such as a loan or direct deposit
All new members who join from a referral will also receive an entry. Once a member, they can gain more entries by opening additional products and services.
Contest dates are July 1, 2015 - September 15, 2015.
*Click here for full details.

WSCU employs sophisticated technology to monitor Visa activity for fraud. If a fraudulent purchase is suspected on your account, you will receive an automated call to validate the transaction in question. If the transaction is not validated, it will be blocked. 

If you are traveling or making purchases outside of your normal routine, it is a good idea to let us know of your plans and provide us with your mobile number. This is especially important for travel outside of the U.S. We need to know what countries you will be visiting so we can authorize your card to work in those countries. Simply call us at 801-399-9728 or email us through e-Branch.

Your Visa Platinum comes with the following travel perks:
  • Free auto rental insurance
  • Free travel accident insurance
  • Free lost luggage insurance
  • Free hotel theft insurance
  • Free travel reservations & car rental discounts
  • Receive foreign currency at ATMs

To win, simply use your Visa Rewards credit or debit card. The more you use your card each week, the greater your chances of winning. If you do not have a rewards card, sign up and receive 500 bonus points.
Click here for full details.

Home Buying Misconceptions

If you are considering purchasing a home, be cautious of these myths.
Myth 1: Perfect credit is a must
Fact: The higher the score, the more options you will have, but those with less than perfect credit can still qualify for certain programs.
Myth 2: You must have a 20% down payment
Fact: While a 20% down payment is a great way to prepare for your dream house, it is not necessarily a deal breaker.
Myth 3: You can only lock in a rate when you are ready to buy
Fact: WSCU's Lock and Look program allows us to lock you in at the current mortgage rate for up to 365 days.
Myth 4: If you are self employed, don't bother applying
Fact: At WSCU, we have programs specifically designed to help get self-employed individuals qualified.

To discuss your home buying plans, give us a call at 801-399-9728


6 Tips for Creating an Emergency Fund

An emergency fund account should be enough to cover three to six months of your personal expenses.
1. It's all in the habit
Even if you can only do $30 per paycheck, get into the habit of regularly putting something aside. Utilize WSCU's electronic transfers to do this.
2. Say goodbye to one small luxury
Give up something you purchase regularly and won't miss, such as that ice cream or latte, and put that amount into your fund.
3. Keep the payments coming
If you have recently paid off a loan or bill, redirect that monthly amount into your fund.
4. Check the impulse
If there is something you really want, discipline yourself to wait at least a week.
5. Sell stuff
Sell unused things, such as old clothes and golf clubs, using online classifieds.
6. Keep it separate
If your emergency fund is easy to access, you might be tempted to use it for non-emergencies. WSCU's MyFund account limits withdrawals to keep you committed to saving.
 


Commitment to Community

 
Annual Meeting Recap
On April 23, 2015, WSCU hosted its 58th annual Members' Meeting. Jody Lake and Shane Schvaneveldt were elected as Weber State Credit Union Board Members, each to serve three-year terms. We thank the many members who participated in the event.

Community Shred Day
On April 25, 2015, WSCU held its Community Shred Day. At this annual event, we provided free shredding for the community. We recycled 8,400 pounds of paper, enough to save 72 trees!

Adopt-a-Highway
On June 6, 2015, WSCU employees and friends donated their time to clean a beautiful stretch of Highway 39 in Huntsville. This marks the 11th consecutive year of our highway clean up.

Entrepreneurs Pitch Contest
WSCU is proud to sponsor the Weber Entrepreneurs Pitch Contest, a business idea competition open to all students within Weber State University. The competition gives students a chance to organize, direct and present a business idea to a panel of judges, taking place on October 16, 2015.
Community Organizations
WSCU provides financial support and encourages employees to take active roles in organizations that keep our communities strong, including:


 

CONNECT WITH US


Protection is Our Priority
Love Your Car for Less! 
 
If you financed your car somewhere else, you may be paying too much. We offer auto loan rates as low as 2.49%* APR and no payment for 60 days!
 
Click Here to Apply
*Annual Percentage Rate, fixed for up to 60 months, OAC.
Receive Mobile Payments
Pro Landscape App
Have you ever tried to envision what your yard would look like with a landscaping makeover? Now, thanks to the Pro Landscape app, you can upload pictures of your yard and add trees, flowers, shrubs and walkways.
Available on App Store
Available on Google Play
 
2.99% APR* Home Equity Loans
Dwellr App 
Do you love the city or are you more of an open-spaces type? Community data from the Census Bureau is now available for house hunters. You can discover the top 25 U.S. cities and towns which best fit your lifestyle, based on neighborhood data such as:
  • Median home value
  • Number of singles vs. married residents
  • Median age
  • Level of education

Be Calculating

Use WSCU's calculators to help make wise money decisions.
Home Financing
This section has 10 calculators that help you find out how much home you can afford, or whether you should consolidate your loans.
Personal Financing
Here you will find 11 calculators that help you learn how soon you can eliminate your debts.
Investment
There are nine calculators in this section to help you learn how much your investments will be worth in the future.
Retirement
Check out the seven calculators in this section to learn how long your retirement savings will last.
Lease
The seven calculators in this section can answer important lease questions such as: How much equipment can I afford to lease?

Click here to explore all calculators


 

Enjoy more get-togethers. Build your dream patio.

2.99% APR*
Home Equity Line of Credit

Apply today


*First 12 months and Prime +0.5% APR thereafter
Holidays & Closures
 
WSCU will be closed on the following days:

Independence Day on July 3rd (observed) & 4th

Pioneer Day on July 24th

Labor Day on September 7th

Columbus Day on October 12th

Visit US


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

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


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


Shepherd Union Branch
2106 University Circle
Ogden, UT 84403
Office  
Monday- Friday, 9am-2:30pm
Copyright © *|2013|* *|Weber State Credit Union|*, All rights reserved.
Our mailing address is:
4140 Harrison Blvd.
Ogden, UT 84403
Our Web Site is:
www.weberstatecu.com
Our Phone number is:
801-399-9728