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Start the Season Off Right With Our New Holiday Loan Offering!
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Our Holiday Loan is specifically designed to help you stay on track with your holiday spending and planning. With a set term and a specified limit, you'll have a clear understanding of your financial commitment. No surprises, just a smooth and predictable path to financial stability.
Fall in Love with our Holiday Loan Rates*
- Rate of 9.95% APR¹ for a 12-month loan term
- No repayment required for 60 days²
- No early payoff penalties
- $300 loan minimum; $2,000 loan maximum
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Start your child's exciting journey towards college or advanced education right now with a special savings opportunity called a College Savings 529 Plan***. This plan lets you put money aside for their advanced education, and its competitive rates ensure your investment earns great returns so they can have what they need when the time comes.
What if, after all this saving, college, trade school, or advanced education ends up not being their thing? That is ok. Thanks to new legislation, which goes into effect January 1, 2024, the structure of 529 plans is changing. With this change, up to $35,000 of the money saved will be moved to a Roth IRA account. Your child can access this money once they turn 18 for the other non-educational adventures they may experience along the way!
Text College to 615-256-8712 OR visit our webiste to be connected with our Wealth Advisor who can help get you and your child all set.
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We are excited to introduce this months Employee Spotlight - Sterling has been an integral member of the credit union family for 6 years and is passionate about working with our members for all their lending needs. From credit cards to auto loans, business loans to personal, he takes exceptional care of our members, and we are so grateful for the incredible relationships he builds along the way, too!
If you're ever on the phone with him, be sure and let him know what an awesome job he is doing! Thank you, Sterling.
“I enjoy lending because it provides an opportunity to work with our members and come up with solutions to fit their needs."
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Student Loans Have You Stressed?
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Ready or not, federal student loan payments are back. After more than 3 years on pause, 43 million student loan borrowers resumed having payments due this month.
Take these five steps today:
- Confirm your servicer: many servicers changed during the payment pause.
- Update your info: once you know who your servicer is, log into or register for an account on their website and confirm your contact information is accurate.
- Pay attention to correspondence: your servicer will be in touch (if they haven’t already) with your billing statement soon.
- Explore your options: if your payment amount is stressing you out, explore your options!
- Review your budget: once you know what your payment will be, look at your spending plan closely to determine if it will fit.
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| USCCU Donates $500 to The Nashville Food Project
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We are pleased to share earlier this month we were able to make a $500 donation to The Nashville Food Project - thanks to YOU! This contribution was made possible through a collaborative effort, with $300 raised by members and employees taking advantage of the new membership offering from BJ's Wholesale. For each new BJ's membership opened, the corporation donated $10 back to the credit union. Because of YOU, we received a check from BJ's in the amount of $300 to be donated to a charity or organization of our choosing.
We selected the Nashville Food Project, and USCCU wanted to jump in on the great work of our members and employees. The credit union donated an additional $200, bringing our total contribution to the Nashville Food Project to $500. The Nashville Food Project is dedicated to uniting people in the pursuit of growing, preparing, and distributing nourishing food, with a mission to foster community bonds and combat hunger within the city. US Community Credit Union strongly supports this cause and we are thrilled to have been able to make this donation, especially as the holidays approach. Thank you for helping make this possible.
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¹APR = Annual Percentage Rate
²Interest begins accruing upon disbursement of loan. Deferred payment option available upon request.
*All loans are subject to approval. Rates and terms based on individual’s credit score and qualifications. Rates and terms subject to change. Holiday Loan application available between October 1 and December 31 only. Rates current as of 10-6-2023. Membership required. Terms and conditions may apply.
**The Holiday Loan is considered a Personal Loan, so when applying, please select Personal Loan as your Apply For option. ![]()
***There are fees associated with 529 savings plans. Investments in 529s involve investment risks. You should consider your financial needs, goals, and risk tolerance prior to investing. More information about 529 plans can be found in the issuer’s official statement or plan disclosure document which should be read carefully prior to investing. Most 529 plans are sponsored and administered by states. State tax benefits vary among the states and some offer residents additional tax benefits if they invest in their own state plan. Consult a qualified tax professional for more information.
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Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance Products are offered through LPL or its licensed affiliates. US Community Credit Union and US Community Wealth Management are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using US Community Wealth Management, and may also be employees of US Community Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, US Community Credit Union or US Community Wealth Management. Securities and insurance offered through LPL or its affiliates are:
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| Not Insured by NCUA or Any Other Government Agency | | Not Credit Union Guaranteed | Not Credit Union Deposits or Obligations | May Lose Value | | |
FINRA (www.FINRA.org) SIPC (www.sipc.org)
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US Community Credit Union Membership is open to anyone who lives, works, worships, or attends school in and businesses and legal entities located in Davidson, Rutherford, Wilson, Williamson, Sumner, Cannon, Cheatham, Dickson, Hickman, Macon, Maury, Robertson, Smith, or Trousdale Counties. Members of the immediate family or household members may also be members of the credit union.
Federally insured by NCUA
Equal Housing Lender - NMLS ID: 363210 |
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