Spring 2012

ConnectingYour connection to University Credit Union

Message From the President:In our last newsletter, we introduced two new products that were scheduled to come online in the spring: Mobile Finance Manager (formally mobile banking) and Personal Finance Manager (formally home banking). I’m pleased to report that our Mobile Finance Manager product has now gone live and is receiving rave reviews! The new platform allows members to check on their finances in many different ways using their mobile devices including some new and unique ways such as SMS banking and downloadable applications for the iPhone®, iPad®, AndroidTM and BlackBerry®. Our next big enhancement for Mobile Finance Manager will be the ability to remotely deposit checks through UCU’s Mobile Finance Manager with the Android or iPhone apps! Many members have asked for this new enhancement, and we are pleased that it is currently in development and should be available within the next few months.In addition to our recently released Mobile Finance Manager, we are currently in the final stages of development on our new home banking replacement – Personal Finance Manager. The new Personal Finance Manager will allow UCU members to track their finances more easily using the tools, reports, budgets and graphs built into the system. The list of enhancements above and beyond our current home banking product is enormous, and we are on track for a May launch of this new product. Before I conclude, I want to take an opportunity to note that this is a great time to take a look at our loan options. Today’s very low interest rate environment has created an opportune time for financing the purchase of an automobile, boat, recreational vehicle or anything else for that matter. If you are out shopping for a major purchase this spring, please keep UCU in mind for your financing needs. We really want to earn your business and be your lender. And speaking of loans and loan rates, the real estate loan rates are about as attractive right now as they have ever been in history. Our ten-year mortgage rate of 2.99%1, as well as other low rates and terms, have already saved many of our members tens of thousands of dollars in interest when they refinance. Stop in, apply online, email or call us today to inquire about refinancing your home. Our team of real estate loan experts can “run the numbers” to help you decide if refinancing your home loan is the right move for you. And for those of you considering purchasing a home, definitely keep UCU in mind for preapprovals and for purchase financing. Our rates, fees and terms are very competitive, and members continually rave about how smooth the process was for them.As always, I want to thank you for your continued membership at UCU. We know that you have options when it comes to your choice of financial institutions, and we are pleased that UCU is on that list. Best regards,Matt

Home Loans

Convenient. Competitive. Local. Apply online today.

10 Year Fixed Rate Mortgage %2.99Note Rate1

%/ 3.25APR1

ORONO ● BANGOR ● FARMINGTON ● PORTLAND ● PRESQUE ISLE(800) 696-8628 ● www.ucu.maine.edu

1) Rates effective as of 03/27/12 and are subject to change without notice. Payments do not include amounts for taxes and insurance premiums and actual payment obligation may be greater. Minimum 5% downpayment required. If you’re downpay-ment is less than 20% you will be subject to Private Mortgage Insurance, or PMI. APR (Annual Percentage Rate) based upon loan amount of $100,000. Repayment over 120 months is $9.66 per $1,000.00 borrowed. Actual interest rates on first mort-gage products may vary from published indications based upon property type, loan pur-pose, loan-to-value, credit score, property condition and overall credit risk. Other terms and conditions may apply. 2) Rates effective as of 04/01/12 and subject to change with-out notice. Rate shown for 12 month term. Payment per $1,000.00 is $84.46. APR will vary based on borrower’s credit worthiness and selected term. Our loans are risk-based priced to determine the interest rate. Please contact a UCU Loan Representative for more information. Federally Insured by NCUA. Equal Housing Lender. NMLS ID: 407658.

Mobile Finance Manager Go Anywhere...Stay Connected!

SMS (Text Message) Banking Retrieve balances and recent transaction history through a

simple text with UCU’s SMS banking!

Get started today at m.ucu.maine.edu!

for details@99000

For SMS Banking

SMStext

Scan this code to download the

application for your device!

Smartphone Applications Apps for iPhone®, iPad®, AndroidTM and BlackBerry® Devices are now available!

Coming Soon: Mobile Remote Deposit Capture!

Reports & TrackingExpense AnalysisBill PayAccount AggregationBudgeting Tools

CONQUER YOUR FINANCES

PERSONAL FINANCE MANAGERCOMING SOON

Rates as low as2

%APR2.49

Auto Loans Finance your next auto with UCU at the dealership!

For a complete list of participating dealers visit

www.ucu.maine.edu

762.63