MEMBER OF THE QUARTER
A Quarterly Publication from allU.S. Credit Union
Might Be Time to Drop In for A Home Equity Loan
THE NEW ALLU.S.
Mobile Banking App is Here
NewS you can use
Advanced ONLINE BANKING
Check Out Our New Bill Pay Service Features
P2P payments (Person to Person payments) – This feature allows you to exchange money with your friends and family. Our P2P payment system lets you send money with a few taps on your phone screen or a few strokes of the keyboard. All you need to do is tap “transfer/send money” through your online bill pay system and enter the recipient’s name, mobile number or email. It’s that simple and it’s FREE.
A2A payments (Account to Account payments) – Have you ever needed to send or receive money from your other banking institution? With our A2A transfer feature, you can now do that. Just add your external account information and tap “transfer/send money.” Simple and FREE.
Contact the branch for additional program details.
allU.S. Receives Second Place in Readers’ Choice Awards
Congratulations to allU.S. Credit Union on being chosen by the readers of the Monterey Herald as the second place winner in the Best Credit Union category.
National Juntos Avanzamos
It is with great pride that we announce that allU.S. Credit Union has become a National Juntos Avanzamos designated credit union. This designation is in recognition of the groundbreaking work that allU.S. has done to meet the needs of low-income consumers in general and of the Hispanic population in our community. This is what financial inclusion is all about and allU.S. is leading the way. We look forward to continuing to expand access to responsible financial services for Hispanics and immigrants.
Annual Meeting Notice
All allU.S. Credit Union members and their families are invited to attend the Annual Meeting at our branch located at:
1410 N. Main St.
May 15, 2018
In our Community Room
allU.S. Receives 5-Star Rating
Congratulations to allU.S. Credit Union for their 5-Star rating by Bauer Financial, the nation's leading bank and credit union rating firm.
NEWS you can USE
For those of you on the go, your account is accessible anywhere you can access your smartphone, tablet or PC 24 hours a day –
7 days a week – 365 days a year through Jazz Advanced Banking.
No more piles of unopened envelopes on your kitchen counter. No more waiting a week or more to receive your statement. Signing up is easy, you’ll save a few trees, save expenses for the credit union (which helps us reward you better) and get your statements sooner. Online statements are safe, secure and available for you to access at your convenience.
E-ALERTS & TEXT ALERTS
You can manage and receive eAlerts of specific account activity. You can select a wide variety of alerts; you must always select a suffix, type of alert, email address and text or graphical.
Texts can be sent to either a cell phone or email address, graphical to email addresses.
Our online money management tool empowers you to take control of your finances and simplify your life. Budgeting, account aggregation, categorization and mobile access are just a few of the tools to guide you along your way.
REMOTE CHECK DEPOSIT
Deposit checks into your account anywhere, anytime, anyplace with your smartphone or tablet app. Your phone is instantly transformed into a branch, complete with a wide range of banking capabilities. Check balances, deposit checks, find the nearest branch or ATM, and more. Simply download the app and use your online banking credentials to register and log in (must be enrolled in online banking). It’s that easy!
REMOTE CONTROLS FOR CARDS
Allow you to control the status of your debit and/or credit card through the credit union’s mobile app. You can change the status and update your cards if they have been stolen and/or misplaced.
Your security is our utmost priority, which is why remote deposit transmissions are safeguarded by 128-bit SSL (Secure Socket Layer) encryption to prevent unauthorized access. The secure login information is never stored on your smartphone or tablet. For added protection, an automatic inactivity logout occurs if the app is inactive for ten minutes. Plus, account numbers are truncated and masked to only display the last four digits.
And remember, because you are a valued member of allU.S., this service is offered to you absolutely FREE!
Click to learn more.
allU.S. is Proud to Announcee
Jazz Advanced Banking
Enjoy the convenience of all these features at any time, from anywhere on your mobile device.
Get your account balances and additional information
Remote control your debit and credit card if they are lost/stolen or misplaced
Remote deposit your check
View images of checks that have cleared your account
Transfer money between your accounts
Make loan and credit card payments
Apply for a loan
Securely send an email message to the credit union
Download our mobile banking app to access your account from anywhere.
Just visit the App Store® on your Apple® or Google Play™ on your Android™ device and search "allU.S. Credit Union."
Look for the Jazz icon and download the free app. Use your current login credentials to access your account information. Since the mobile banking app uses the same credentials as online banking, you must be registered for online banking before you can access your accounts on the mobile banking app.
Enjoy banking at the tap of your fingers wherever you are.
Need some assistance? Click here to learn more.
allU.S. Mobile Banking APP
Tips for Getting Your Finances Organized
1. Check your credit report.
a. Visit www.annualcreditreport.com to get your free report. It’s a good idea to pull one report from each of the three bureaus every four months. You should only enter your credit card information if you want to buy your score. Never pay for your credit report!
b. Verify that all information is reporting correctly. Report inaccuracies and dispute incorrect items with one of the bureaus, and that bureau will contact the other two bureaus.
2. Pay off credit card debt.
It is common to rack up credit card debt. Now is a great time to get those cards paid off or paid down. Here is a great place to start:
Do a MoneyDesktop™check-up.
MoneyDesktop is located at https://alluscu.com/online_banking.cfm. MoneyDesktopprovides you access to a personal financial management software program whereby online banking becomes a "hub" of financial activity. You can aggregate accounts from almost any financial institution, allowing you to track spending, create budgets and manage your debt for all of your accounts within the allU.S. online banking! Can you believe it is included and it is FREE?
3. Create a budget.
If you don’t already have a budget, chances are you may not know where to start. allU.S. makes creating a budget and sticking to it easy and understandable. We have great tools to help you take a good look at your financial picture and stay on track.
A budget will help you evaluate your financial health, get a snapshot of how much you should spend on various items in relation to your income, and create a budget that you can stick to.ORGANIZE YOUR BUDGET, which is the first step of setting up a concrete financial strategy for 2018. Studies show that people who make certain commitments related to their cash flow will feel more financially secure and may even begin to carry less debt. Review L Bee and the Money Tree to get some tips on getting your finances in tip-top shape in 2018.
Now that you have the information to kick-start your finances in 2018, what are you waiting for? Follow these steps for a great start to 2018. Contact an allU.S. member services representative for more information.
When life’s expenses threaten to put a hole in your budget, turn to allU.S. Credit Union for assistance. We’ll give your finances a solid footing with our low-rate home equity loan. Use it to repair your home, pay tuition and consolidate your debt.
Rates as low as 4.25% APR*
Save up to $1,200 in loan fees
(no application, processing or notary fees)
Title fees can be included in the
Loan can be completed within 30 days of approval
Credit up to $250 of appraisal fee
All loans are serviced locally
For additional details, email email@example.com or call 831-789-8020.
*APR=Annual Percentage Rate. Credit score 631 and up: Max CLTV is 80%. No closing cost available. Credit score 630 and lower: Max CLTV is 70% and will require a full appraisal at member's cost. Lender will credit up to $200 toward appraisal if approved, plus no closing cost is available. Escrow-related funding cost may apply. Loan approval is subject to credit approval and program guidelines. Property insurance is required. Automatic payment may qualify for rate reduction up to .50%. Must be credit union member to apply.
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If your financial future includes obtaining a credit card, vehicle loan or mortgage, you should re-evaluate your credit score. Keep in mind that your credit score is a snapshot of your current financial standing and provides creditors with information regarding your ability to pay your monthly bills. Follow these five steps to start developing a good credit history.
Check Your Credit Score – The most accurate scores can be found by accessing one of the three major credit bureaus for a small fee. There are also free services such as Credit Karma and Credit Sesame.
Always Pay Your Bills on Time – Delinquent monthly payments are a major factor in lowering your credit score.
Stay Below a 30% Credit Utilization Rate – Based on your total credit limit, determine your utilization threshold and set up balance alerts to ensure you don’t exceed this number. For example, if you have a $10,000 line of credit, a 30% credit utilization would be $3,000.
Don’t Open and Close Credit Cards – Only apply for new credit cards if really necessary. A hard inquiry by a lender or credit card issuer will affect your credit for at least a year. Keep your existing credit accounts open, as the length of credit has a positive impact on your credit score.
Reduce Existing Debt – Create a plan to decrease your current debt. You can consolidate accounts, pay off high-rate loans or focus on loans with small balances.
If you have additional questions regarding your credit score, contact a member services representative at allU.S.
Steer Clear of Payday Loans
From the beginning, as a fairly new Monterey County employee (now retired), my experience at MCECU, now allU.S. Credit Union, has been outstanding. It is very rare for any financial institution to consistently provide excellent customer service, innovative financial solutions to fit my needs, extremely knowledgeable staff (more like "personal" bankers), competitive rates and a variety of services, several which are free to members. Not to mention the smiles and warm greetings when I come into the branch.
The move to the new location was brilliant – industrial chic and they have great coffee.
Kudos to all! Thank you for your service over the past 25+ years.
I’M PROUD TO BE A MEMER OF allU.S. CREDIT UNION!
1410 N. Main St.
Salinas, CA 93906
(adjacent to the El Gabilan Library)
800.692.2228 • 831.540.4627