WELCOME NEW MEMBERS We can now offer membership to anyone who lives, works or worships  in Sterling Heights, Centerline and Warren.  With our boundaries growing you can share the benefits of your credit union with even more of your friends and neighbors.  We hope you will encourage them to discover United VIP Credit Union.   OFFICE HOURS AND LOCATIONS STERLING HEIGHTS OFFICE: 8045 Constitution Boulevard, Sterling Heights, MI 48312 Monday, Tuesday, Wednesday 9:30 am - 5:00 pm Thursday 9:30 am - 6:00 pm Friday 9:00 am - 6:15 pm WARREN OFFICE: 22248 Van Dyke (between Eight and Nine Mile Roads) Monday, Tuesday, Wednesday, Friday 9:15 am - 5:00 pm Thursday 9:15 am - 6:00 pm The Warren office is closed daily from 12:30 pm to 1:45 pm NETBRANCH HOME BANKING You asked for it!  We're proud to announce that NetBranch, our home banking product, is available. To sign up just go to our homepage and hit the NetBranch Home Banking selection. WATCH OUT FOR EMAIL SCAMS The latest email scams are called "Phishing" since they involve official-looking emails that are actually fishing for personal and financial information.  To avoid being fooled, follow these precautions: ..Do not respond to email requests that ask you to verify information such as user names, passwords, credit card numbers or your Social Security number. ..Do not follow any web links within an email message if you suspect a scam. ..Be suspicious if the email asks you to respond immediately. ..Look for web site addresses beginning with https:// rather than just http:// when using your credit card online. Remember, United VIP Credit Union will never contact you by email to ask for account information.  MANAGED CREDIT PROGRAM                                                     We are pleased to announce that United VIP Credit Union has started a Managed Credit Program.  We realize that some of our members have experienced some difficulty with their credit in the past and as a result, we, or other lenders, may have rejected their loan request forcing those members to pay extraordinarily high rates elsewhere.  Our goal is to help as many members as possible under our Managed Credit Program.  The way the program works is that the rate a member pays will be determined by their credit history.  Members with good credit histories will receive our very best rates.  Other members, who may have had past credit problems, will be assigned rates consistent with their credit history.  It is our goal that these rates will be lower than they may be currently paying with other lenders. Our goal is to help you obtain credit and save money. "KNOW YOUR MEMBER" RULE NOW IN PLACE The PATRIOT Act requires credit unions to get certain basic information from members opening new accounts; verify their identity; keep a record of how their identity was verified and check the member's identity against a list of suspected terrorists. What this means for you:  When you open a new account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see your driver's license or other identifying documents. Your cooperation is vitally important and appreciated. DEBIT CARDS With your ATM card, you are allowed 4 withdrawals per month and are charged $1.00 for every withdrawal after that.  With your debit card, you can make as many withdrawals as you want with no fee as long as you designate credit instead of debit.  If you use your pin, you will be charged $1.00 for each withdrawal over 4 per month.  This is in addition to surcharges which may be accessed by the ATM owner.  To avoid surcharges, use machines with the Co-Op logo. UNITED VIP CHECKING ACCOUNTS Do you presently enjoy the following benefits with your current checking account? ...Quarterly dividends ...No per check charges ...No monthly fees unless your balance falls below our low $300 minimum balance requirement ...Overdraft protection ...Carbonless copies of each draft If not, consider opening a Checking Account at United VIP Credit Union. With our checking account, you can also enjoy the convenience of ATM/Debit Card  service giving you 24-hour access to your Credit Union Accounts. For convenience and savings, check out a United VIP Checking Account. FUNDS TO LEND If you need a loan for virtually any reason, think of United VIP Credit Union first!  You'll get a great low rate, friendly service, affordable payments, and you'll be supporting your credit union at the same time. We can finance  a new home, your kids' college education or that boat you've always wanted! CASH WITHDRAWAL REMINDER Just a reminder that for the safety of our members and of the credit union, there is $1,000 limit on cash withdrawals or check cashing. Of course, additional funds are always readily available with advance notice, or through teller checks and money orders. FIRST MORTGAGE LOANS AVAILABLE Buying a new home or want to refinance your existing mortgage to take advantage of lower rates?  United VIP Credit Union can help. Call our Mortgage Center at 1-888-562-6865 and ask for a United VIP Loan Officer.  You´ll get information on rates and low-closing costs.  Applications can even be completed for you by phone.

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