Spotlight - UW Credit Union Member Newsletter

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		Don't be "Smish"ed
		Board Applications Now Accepted
		Full-Service Madison Area Technical College Branch Opening January 5
		View All Upcoming Seminars & Enroll
		Martin Luther King, Jr. Day Closings All UW Credit Union branches will be closed Monday, Jan. 19, in observance of Martin Luther King, Jr. day.

Buying your first home doesn't have to be daunting with a few tips and help from our home loan specialists.


		Save for a down payment and other home-related costs. The earlier you start saving regularly, the more cash you will have for a home.

		Build your credit score. Make ongoing on-time bill payments, lower your balances and pay off collection accounts.

More home buying tips »

Home Loan Rates at Historic Low. If you're currently in a 30-year fixed home loan rate of 6.0% or higher, or in an adjustable rate mortgage, now is the time to consider refinancing your home with UW Credit Union. Check rates and get started today by applying online.

With the new year upon us, resolve to save more. The following tips are easy and will help you stick to your resolution.

Cut out things you don't need. Save your receipts for a month or two, and see where your money is going. Make a spreadsheet, adding in your monthly bills. Then, eliminate things you won't miss like gym memberships you don't use.
Pay yourself first. Treat savings like an additional bill each month. Can you afford an extra $50, for example, that you "pay" yourself each month? Also, take advantage of employer matching on your 401(k) plan.

More smart savings tips »

Need to Move Money Around?
Whether you need to get money to your college student or want to transfer money to and from your UW Credit Union account from your accounts at other financial institutions, we have the tools you need to make it possible. Money Link and External Transfers

Scholarship Fund Update
Thank you for your generous contributions to our Scholarship Fund initiative. Your donations help make college a reality for top students who are simply unable to afford to attend.
See the final amount collected

UW Credit Union
P.O. Box 44963
Madison, WI 53744-4963

Madison		608-232-5000
Nationwide		800-533-6773
TDD		608-232-5029

Web		www.uwcu.org
Email		ContactUs@uwcu.org
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This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor UW Credit Union assumes liability for loss or damage due to reliance on this material.