managing your finances with unfcu · managing your finances with unfcu january 2020 |
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Managing your finances with UNFCU
January 2020 | www.unfcu.org
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Introducing UNFCU
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3UNFCU | serving the people who serve the world ®
Started by UN staff in 1947
We are a credit union
• Not-for-profit
• Cooperative independent of stockholders
• Committed to serving the UN community
Full range of banking products and services
• Solutions are in US dollars
• 140,000+ members around the world
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4UNFCU | serving the people who serve the world ®
Membership open to UN community
UN staff
UN retirees
UN consultants
UN volunteers
Family members of UNFCU members
www.unfcu.org/eligibility
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5UNFCU | serving the people who serve the world ®
Lifetime membership
Keep your membership and accounts if you:
Relocate
Separate from the UN
Retire
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6UNFCU | serving the people who serve the world ®
Supporting our community
Carbon neutral since 2016
Active member of UN Global Compact
Aligned with UN Sustainable Development Goals
Launched UNFCU Foundation in 2015
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7UNFCU | serving the people who serve the world ®
Make your money
work for you
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8UNFCU | serving the people who serve the world ®
Checking High-Yield Savings
Unlimited monthly
transfers
Up to six transfers
per month
Premium rate on up to
$15,000 (qualifications apply)
Higher interest with higher
amounts
Overdraft options No overdraft options
Both are federally insured to at least $250,000.
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9UNFCU | serving the people who serve the world ®
Share certificates
Fixed term savings accounts with different time
periods
Higher interest with longer terms
Federally insured to at least $250,000
Most need $500 minimum balance and do not
allow additional deposits throughout the term
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10UNFCU | serving the people who serve the world ®
Simple Saver Share Certificate
START SMALL, GROW BIG.
24-month term
Open with minimum $250
Add more money anytime, up to $10,000
$25 bonus available
Digital Banking enrollment required
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11UNFCU | serving the people who serve the world ®
Member Loyalty Rewards
Member Loyalty Rebates
Save up to $50/month on fees for:
• ATM withdrawals.
• Wire transfers.
• Savings overdraft.
Member Loyalty Dividends
Earn up to 10% on your share certificate dividends.
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12UNFCU | serving the people who serve the world ®
Accounts for children under 18
Teach your children and grandchildren about
money management
Control their access to the money
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13UNFCU | serving the people who serve the world ®
Investment & insurance services
UNFCU members have access to investment and
insurance services from our partners.
Visit www.unfcu.org for more information.
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14UNFCU | serving the people who serve the world ®
Everyday purchases
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15UNFCU | serving the people who serve the world ®
Debit Card Credit Card
Spend only the
cash you have.
Spend up to your
credit limit.
No reward points
Earn reward points for
every dollar spent.
Redeem points for cash,
travel, and more.
Limited liability, if stolen and
not reported immediately
Zero liability, if stolen and
reported within 60 days
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16UNFCU | serving the people who serve the world ®
Borrowing money
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17UNFCU | serving the people who serve the world ®
Loans to finance common needs
Unsecured and secured loans
Finance a big purchase or life event
Build or buy a home
Consolidate debt
Purchase an automobile
Pay for tuition and education expenses
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18UNFCU | serving the people who serve the world ®
Fixed Rates Variable Rates
Rate does not change.After introductory period,
rate changes each month
Number of payments and
amount do not change.
Payment amount
will not change.
Number of payments
may change.
No pre-payment penalty
Choosing the type of rate for your loan
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19UNFCU | serving the people who serve the world ®
Planning ahead
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20UNFCU | serving the people who serve the world ®
Security tips
Use extreme caution before sending money to
someone you have not met.
Do not open files or links you were not expecting.
Install anti-virus software.
Choose strong passwords and change passwords
often.
Cover keypad when entering personal information.
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21UNFCU | serving the people who serve the world ®
A legacy for your loved ones
Appoint beneficiaries on your UNFCU accounts.
Assign a durable power of attorney.
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22UNFCU | serving the people who serve the world ®
Resources
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23UNFCU | serving the people who serve the world ®
UNFCU website: www.unfcu.org
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24UNFCU | serving the people who serve the world ®
unfcu.org/learn
Retirement
Resources
Webinars Guides Videos
FAQs
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25UNFCU | serving the people who serve the world ®
Contact us
Visit us in person
Palais des Nations
Building E, Door 41
8-14 Avenue de la Paix
1211-Geneva 10
Switzerland
Call toll-free from Switzerland: 0800 897 860
Call toll-free from France: 0800 90 2637
Email: [email protected]
Audio Skype: unfcu.skype
WebChat
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26UNFCU | serving the people who serve the world ®
Thank you!
Questions?