REAL ESTATE COUPON BOOK

Front cover

NOW IS THE TIME TO BUY!

UECU has 300 MILLION TO LEND and GREAT RATES too!

SAVE HUNDREDS OF DOLLARS! COUPONS INSIDE…

 

COUPON 1 (front)

 

Love your home, but hate the loan?

SAVE HUNDREDS

when you refinance your mortgage or Home Equity Loan with UECU there is NO application fee, NO closing costs*, and NO points. Save more each month with terms up to 20 years!

SEE REVERSE FOR DETAILS
 
Back (disclosures)

*Home Equity Loans and Lines of Credit
100% maximum loan to value (LTV). Loan to Value (LTV) calculation is dependent upon the appraised value of your home. Home Equity products are not available in all states. Real estate must be first or second lien, 1-4 family owner-occupied residential property.

Some states charge a mortgage recording tax. Early closing reimbursement fee of $200 will be assessed if Home Equity Loan or Line of Credit closed within the first 12 months after opening; $100 if closed during months 13 to 24.
Homeowners insurance is required. Flood insurance required for properties designated in flood zones. Consult your tax advisor regarding interest deductibility. Equal Opportunity Lender.

 

Coupon 2 (front)

Reduce your monthly payments.

.25% Rate Reduction

on your Home Equity Term Loan when you open any one of UECU’s great checking accounts. UECU offers a variety of checking accounts to meet your financial needs. Choose a FREE high-yield interest-bearing rewards checking account when you set up an electronic deposit*. Make purchases and access cash with UECU’s FREE Advantages VISA® Check Card™ that offers 1 VantagePoint™  for every $2 spent^. UECU never charges a fee to use your Advantages VISA Check Card™ and rebates you up to $8 a month when the others do!

SEE REVERSE FOR DETAILS

 

 

Back (disclosures)

*Advantages Money Market Checking™ monthly service fee will not be charged if a recurring monthly electronic deposit is established, regardless of minimum daily balance. Otherwise, minimum daily balance of $2500 required to avoid $10 monthly fee.
^Advantages VISA Check Card™ purchase must be signature-based to earn VantagePoints™. Points are earned net of credits.
VantagePoints™ can be redeemed for cash back, gift certificates and loan rate discounts.

 

 

COUPON 3 (Front)

 

FREE year of LifeLock®

$99.00 VALUE

 

when you set up a UECU checking account, an escrow savings account and an electronic deposit with your new UECU Home Equity Term Loan or Line of Credit. Reward yourself for your smart choices with UECU’s MyChoices™ Package^!

Not only will you be on the road to financial freedom, but you’ll be protected from identity theft with LifeLock.
SEE REVERSE FOR DETAILS

Back (disclosures)

^Each category and the products or services within the category have specific activity qualifiers as follows:
Savings/Investment: Must carry a balance in any of these accounts. Excludes Special 10 Certificate of Deposit and REACH™ Savings Account.
Checking: Make a minimum of one transaction per month, which includes a check, ATM use, electronic transaction, or a purchase with the Advantages VISA® Check Card™ or Access Card™.
Loan: For all revolving lines of credit (including VISA Power Card™, Personal Line of Credit and home equity line of credit) member must make one transaction per month. For all term loans (including Personal, Vehicle, and Home Equity Loans), loan must be open with a balance. In both instances, no loan or line of credit can be delinquent, which is defined as 30 days past due.
Service: Direct Deposit, Payroll Deduction, or recurring electronic deposit, must be a recurring deposit of at least once a month. For Advantages Bill Pay™, member must be an active user.
MyChoice™ Package offer may be altered modified or withdrawn at any time.
Member must be 18 years of age to participate. Refer to uecu.org for complete MyChoice™ rules.

 

 

BACK COVER

Don’t need to borrow money? Then why not save it!
UECU savings rates are over 4 times higher than the national average.*

 

      *National average information obtained at www. bankrate.com