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396			<p class="Mhead"><a href="/checking">U1 Checking</a></p>
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398			<p class="Mhead"><a href="/savings">U1 Savings</a></p>
399
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401				<li><a href="/savings">Money Market Accounts</a></li>
402				<li><a href="/certificates">Certificates</a></li>
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405			<p class="Mhead"><a href="/hsa">Health Savings Account</a></p>
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409			<p class="Mhead"> </p>
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412			<p class="Mhead"><a href="/business-accounts">Business Checking & Savings</a></p>
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414			<p class="Mhead"><a href="/young-savers">Youth Accounts</a></p>
415
416			<p class="Mhead"><a href="/club-accounts">Club Accounts</a></p>
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419				<li><a href="/club-accounts">Holiday Account</a></li>
420				<li><a href="/club-accounts">Vacation Account</a></li>
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423			<p class="Mhead"><a href="/financial-advisors">Financial Advisors</a></p>
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428
429			<ul>
430				<li><a href="https://www.cbsinvestorconnection.com/Financial_Solutions?cuid=03404360" onclick="return leave_site();" target="_blank">Investments</a></li>
431			</ul>
432			</td>
433			<td style="text-align: center; vertical-align: top; width: 33%;">
434			<p style="text-align: center;"><img alt="happy couple" src="/files/u1cu22/1/image/Fin. Advisors/Promo---FA-400X400.jpg" style="width: 100%; max-width:250px;" title="Financial Coaching" /></p>
435
436			<p class="Phead" style="text-align: center;">Personal Financial Coaching</p>
437
438			<p style="text-align: center;">Exclusive assistance that aligns with your particular financial needs. </p>
439
440			<p style="text-align: center;"><a class="ctaY" href="/financial-advisors" title="Learn more">Learn More</a></p>
441			</td>
442		</tr>
443	</tbody>
444</table>
445</div><button class="CMitem" id="CMi2" rel="2" aria-expanded="false" aria-label="Open/Close Borrow Section" aria-controls="CMc2">Borrow</button><div class="ddcontent" id="CMc2" ><table border="0" cellpadding="0" cellspacing="20" style="width:100%;">
446	<tbody>
447		<tr>
448			<td style="vertical-align: top; width: 33%;">
449			<p class="Mhead"><a href="/auto">Auto Loans</a></p>
450
451			<ul>
452				<li><a href="/recreational-vehicles">Recreational Vehicle Loans</a></li>
453			</ul>
454
455			<p class="Mhead"><a href="/signature">Signature Personal Loans</a></p>
456
457			<p class="Mhead"><a href="/mortgage">Mortgage Center</a></p>
458
459			<ul>
460				<li><a href="/first-home">First Time Home Buyer</a></li>
461				<li><a href="/home-purchase">Conventional, FHA, VA</a></li>
462				<li><a href="/refinance">Refinance Mortgage</a></li>
463				<li><a href="/home-equity">Home Equity Loans</a></li>
464			</ul>
465			</td>
466			<td style="vertical-align: top; width: 33%;">
467			<p class="Mhead"><a href="/credit-card">Credit  Cards</a></p>
468
469			<ul>
470				<li><a href="//onlinebanking.firstdata.com/ecs/auth/?cid=AAAA6530001" onclick="return leave_site();" target="_blank">VISA Account Access</a></li>
471			</ul>
472
473			<p class="Mhead"><a href="/overdraft-line-of-credit">Overdraft Line of Credit</a></p>
474
475			<p class="Mhead"><a href="/student-loans">Student Loans</a></p>
476			</td>
477			<td style="text-align: center; vertical-align: top; width: 33%;">
478			<p style="text-align: center;"><img alt="Mortgage Services" src="/files/u1cu22/1/image/Mortgage/Promo---Mortgage-400x400.jpg" style="width: 100%; max-width: 250px;" title="Mortgage Services" /></p>
479
480			<p class="Phead" style="text-align: center;">U1 Mortgage Services</p>
481
482			<p style="text-align: center;">Whether you&#39;re a first time home buyer, found a new home or just starting to look, we&#39;ll take the time to understand your home needs.</p>
483
484			<p style="text-align: center;"><a class="ctaY" href="/mortgage" title="Learn more">Learn more</a></p>
485			</td>
486		</tr>
487	</tbody>
488</table>
489</div><button class="CMitem" id="CMi3" rel="3" aria-expanded="false" aria-label="Open/Close Resources Section" aria-controls="CMc3">Resources</button><div class="ddcontent" id="CMc3" ><table border="0" cellpadding="0" cellspacing="20" style="width:100%;">
490	<tbody>
491		<tr>
492			<td style="vertical-align: top; width: 33%;">
493			<p class="Mhead"><a href="/digital-services">Digital Services</a></p>
494
495			<ul>
496				<li><a href="/online">Online Banking</a></li>
497				<li><a href="/mobile">Mobile Banking</a></li>
498				<li><a href="/digital-wallet">Digital Wallet</a></li>
499				<li><a href="/message-pay">Message Pay</a></li>
500			</ul>
501
502			<p class="Mhead"><a href="/card-services">Card Services</a></p>
503
504			<ul>
505				<li><a href="/debit-card">Debit Card</a></li>
506				<li><a href="/atm-card">ATM Card</a></li>
507				<li><a href="/cardvalet">CardValet</a></li>
508			</ul>
509
510			<p class="Mhead"><a href="//www.u1cu.org/shred">Shred Event</a></p>
511
512			<p class="Mhead"><a href="/faqs">FAQs</a></p>
513
514			<p class="Mhead"><a href="/about-u1/videos">Videos</a></p>
515
516			<p class="Mhead"> </p>
517			</td>
518			<td style="vertical-align: top; width: 33%;">
519			<p class="Mhead"><a href="/pay-loan">Pay Your Loan</a></p>
520
521			<p class="Mhead"><a href="/direct-deposit">Direct Deposit</a></p>
522
523			<p class="Mhead"><a href="/overdraft-privilege-plus">Overdraft Privilege PLUS</a></p>
524
525			<p class="Mhead"><a href="/online-security">Online Security</a></p>
526
527			<p class="Mhead"><a href="/financial-planning">Financial Planning</a></p>
528
529			<ul>
530				<li><a href="http://u1cu.practicalmoneyskills.org" title="Practical Money Skills">Practical Money Skills</a></li>
531				<li><a href="/insurance">Insurance</a></li>
532				<li><a href="/tips">Tips</a></li>
533				<li><a href="/trinity">Trinity Debt Management</a></li>
534				<li><a href="/perks">Member Perks</a></li>
535			</ul>
536
537			<p class="Mhead"> </p>
538			</td>
539			<td style="text-align: center; vertical-align: top; width: 33%;">
540			<p style="text-align: center;"><img alt="Online Loan Payments Girl with Phone" src="/files/u1cu22/1/image/PromoAds/girlwithphone.jpg" style="width: 100%; max-width: 250px;" /></p>
541
542			<p class="Phead" style="text-align: center;">Online U1 Loan Payments</p>
543
544			<p style="text-align: center;">Pay your U1 loan payments from outside bank accounts.</p>
545
546			<p style="text-align: center;"><a class="ctaY" href="/pay-loan">Learn more</a></p>
547			</td>
548		</tr>
549	</tbody>
550</table>
551</div><button class="CMitem" id="CMi4" rel="4" aria-expanded="false" aria-label="Open/Close About U1 Section" aria-controls="CMc4">About U1</button><div class="ddcontent" id="CMc4" ><table border="0" cellpadding="0" cellspacing="20" style="width:100%;">
552	<tbody>
553		<tr>
554			<td style="vertical-align: top; width: 33%;">
555			<p class="Mhead"><a href="/aboutus">About Us</a></p>
556
557			<ul>
558				<li><a href="/story">Our Story</a></li>
559				<li><a href="/in-the-community">In the Community</a></li>
560				<li><a href="/testimonials">Testimonials</a></li>
561			</ul>
562
563			<p class="Mhead"><a href="/eligibility">U1 Eligibility</a></p>
564
565			<ul>
566				<li><a href="/u1-connection">U1 Connection (SEGs)</a></li>
567			</ul>
568			</td>
569			<td style="vertical-align: top; width: 33%;">
570			<p class="Mhead"><a href="/anywhere">Hours & Locations</a></p>
571
572			<ul>
573				<li><a href="/holiday-hours">Holiday Hours</a></li>
574			</ul>
575
576			<ul>
577				<li><a href="/shared-branching">Shared Branching</a></li>
578			</ul>
579
580			<p class="Mhead"><a href="/contact">Contact Us</a></p>
581
582			<p class="Mhead"><a href="/news">News & Events</a></p>
583
584			<p class="Mhead"><a href="/blog">U1 Blog</a></p>
585
586			<p class="Mhead"><a href="/annual-meeting">Annual Meeting</a></p>
587			</td>
588			<td style="text-align: center; vertical-align: top; width: 33%;">
589			<p style="text-align: center;"><img alt="happy couple" src="/files/u1cu22/1/image/Public Relations/Promo---Community-400X400.jpg" style="width: 100%; max-width: 250px;" /></p>
590
591			<p class="Phead" style="text-align: center;">
591U1 in the Community</p>
592
593			<p style="text-align: center;">Find out where U1 will be next and what events we have coming up!</p>
594
595			<p style="text-align: center;"><a class="ctaY" href="/in-the-community">Learn more</a></p>
596			</td>
597		</tr>
598	</tbody>
599</table>
600
601<p> </p>
602</div></div>			</nav>
603
604<!-- SEARCH BUTTON-->
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612				</form>
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615	</div></header><!-- BANNER -->
616	<style type="text/css">
617		.intbanner{background-image: url(/files/u1cu22/1/banners/Blog_7_Desktop_141.webp);}
618		/*M*/
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620			.intbanner{background-image: url(/files/u1cu22/1/banners/Blog7_Mobile_143.webp);}
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622	</style>
623<main id="maincontent">
624	<section class="intbanner">
625		<div class="inttext">
626		<div>
627			<h1>
628				Read our latest Blogs 			</h1>
629			<p class="crumbs"><a href="/">Home</a> &gt; <a href="/about-u1">About U1</a> &gt; <span class="nolink">Read our latest Blogs </span>			</div>
630		</div>
631	</section>
632			<p class="crumbs2"><a href="/">Home</a> &gt; <a href="/about-u1">About U1</a> &gt; <span class="nolink">Read our latest Blogs </span>
633	<section class="inside" id="page15" >
634		<article class="container-fluid" >
635<!-- CONTENT -->
636
637			<p><div class="content_blog_list"><div class="blog_entry"><H2 class="blog_title"><a href="/blog/summer-money-checkin">Summer Money Check-In</a></H2><div class="blog_author_and_posted_date"><span class="blog_posted_date">6/11/2026</span></div><h2 style="text-align: center;"><span style="font-size:20px;"><strong><span style="color:#11325a;">Summer Money Check-In: Smart Ways to Refresh Your Finances This June</span></strong></span></h2>
638
639<p>June is the perfect time for a financial reset. As summer begins, many members are planning vacations, home projects, or simply looking for ways to stay on track with their goals. A quick mid-year check-in can make a big difference &mdash; and Universal 1 Credit Union (U1) has tools to help you every step of the way.</p>
640<p><a href="/blog/summer-money-checkin" class="blog_read_more cta">Read More</a></p><div class="blog_share"><ul><li class="blog_social_share">Share:</li> <li><a class="blog_social_icon_fa" href="https://www.facebook.com/share.php?u=http%3A%2F%2Fwww.u1cu.org%2Fblog%2Fsummer-money-checkin&t=Summer+Money+Check-In" target="_blank" aria-label="Share on Facebook: Summer Money Check-In"><span class="fab fa-facebook-square" ></span></a></li><li><a class="blog_social_icon_fa" href="https://twitter.com/intent/tweet?url=http%3A%2F%2Fwww.u1cu.org%2Fblog%2Fsummer-money-checkin&text=Summer+Money+Check-In" target="_blank" aria-label="Share on Twitter: Summer Money Check-In"><span class="fab fa-x-twitter" ></span></a></li><li><a class="blog_social_icon_fa" href="https://www.linkedin.com/shareArticle?mini=true&url=http%3A%2F%2Fwww.u1cu.org%2Fblog%2Fsummer-money-checkin&title=Summer+Money+Check-In" target="_blank" aria-label="Share on LinkedIn: Summer Money Check-In"><span class="fab fa-linkedin" ></span></a></li></ul></div><br style="clear: both;" /></div><div class="blog_entry"><H2 class="blog_title"><a href="/blog/financial-independence-month">Financial Independence Month</a></H2><div class="blog_author_and_posted_date"><span class="blog_posted_date">6/11/2026</span></div><h2 style="text-align: center;"><span style="font-size:20px;"><strong><span style="color:#11325a;"></span></strong><b>Financial Independence Month How to Strengthen Your Money Confidence This July</b><strong><span style="color:#11325a;"></span></strong></span></h2>
641
642<p>July is a month built around independence, which makes it the perfect time to focus on your financial independence. Whether you are working toward long term stability, building savings, or simply trying to feel more confident with your money, small steps taken now can create meaningful change by the end of the year.</p>
643
644<p>Here is how to use Financial Independence Month to reset, refocus, and move closer to the financial future you want.</p>
645<p><a href="/blog/financial-independence-month" class="blog_read_more cta">Read More</a></p><div class="blog_share"><ul><li class="blog_social_share">Share:</li> <li><a class="blog_social_icon_fa" href="https://www.facebook.com/share.php?u=http%3A%2F%2Fwww.u1cu.org%2Fblog%2Ffinancial-independence-month&t=Financial+Independence+Month" target="_blank" aria-label="Share on Facebook: Financial Independence Month"><span class="fab fa-facebook-square" ></span></a></li><li><a class="blog_social_icon_fa" href="https://twitter.com/intent/tweet?url=http%3A%2F%2Fwww.u1cu.org%2Fblog%2Ffinancial-independence-month&text=Financial+Independence+Month" target="_blank" aria-label="Share on Twitter: Financial Independence Month"><span class="fab fa-x-twitter" ></span></a></li><li><a class="blog_social_icon_fa" href="https://www.linkedin.com/shareArticle?mini=true&url=http%3A%2F%2Fwww.u1cu.org%2Fblog%2Ffinancial-independence-month&title=Financial+Independence+Month" target="_blank" aria-label="Share on LinkedIn: Financial Independence Month"><span class="fab fa-linkedin" ></span></a></li></ul></div><br style="clear: both;" /></div><div class="blog_entry"><H2 class="blog_title"><a href="/blog/chip-card-scam">Chip Card Scam</a></H2><div class="blog_author_and_posted_date"><span class="blog_posted_date">5/27/2026</span></div><p style="text-align: center;"><span style="color:#11325a;"><b>Physical Card Fraud: Understanding the Chip Card Scam</b></span></p>
646
647<p>At Universal 1 Credit Union (U1), your security is always our priority. The FBI recently issued an alert about a new type of physical card fraud that is becoming more common. We want to help you understand how this scam works so you can stay protected.</p>
648<p><a href="/blog/chip-card-scam" class="blog_read_more cta">Read More</a></p><div class="blog_share"><ul><li class="blog_social_share">Share:</li> <li><a class="blog_social_icon_fa" href="https://www.facebook.com/share.php?u=http%3A%2F%2Fwww.u1cu.org%2Fblog%2Fchip-card-scam&t=Chip+Card+Scam" target="_blank" aria-label="Share on Facebook: Chip Card Scam"><span class="fab fa-facebook-square" ></span></a></li><li><a class="blog_social_icon_fa" href="https://twitter.com/intent/tweet?url=http%3A%2F%2Fwww.u1cu.org%2Fblog%2Fchip-card-scam&text=Chip+Card+Scam" target="_blank" aria-label="Share on Twitter: Chip Card Scam"><span class="fab fa-x-twitter" ></span></a></li><li><a class="blog_social_icon_fa" href="https://www.linkedin.com/shareArticle?mini=true&url=http%3A%2F%2Fwww.u1cu.org%2Fblog%2Fchip-card-scam&title=Chip+Card+Scam" target="_blank" aria-label="Share on LinkedIn: Chip Card Scam"><span class="fab fa-linkedin" ></span></a></li></ul></div><br style="clear: both;" /></div><div class="blog_entry"><H2 class="blog_title"><a href="/blog/mobile-banking-tips">Mobile Banking Tips</a></H2><div class="blog_author_and_posted_date"><span class="blog_posted_date">4/15/2026</span></div><p style="text-align: center;"><span style="color:#11325a;"><b>Mobile Banking Tips Every U1 Member Should Know</b></span></p>
649
650<p>Mobile banking has become the everyday financial hub for many Universal 1 Credit Union members. It&rsquo;s fast, convenient, and secure, especially when you know how to get the most out of it. Whether you&rsquo;re checking balances on the go or depositing a check from your couch, these tips will help you use the U1 Mobile App with confidence.</p>
651<p><a href="/blog/mobile-banking-tips" class="blog_read_more cta">Read More</a></p><div class="blog_share"><ul><li class="blog_social_share">Share:</li> <li><a class="blog_social_icon_fa" href="https://www.facebook.com/share.php?u=http%3A%2F%2Fwww.u1cu.org%2Fblog%2Fmobile-banking-tips&t=Mobile+Banking+Tips" target="_blank" aria-label="Share on Facebook: Mobile Banking Tips"><span class="fab fa-facebook-square" ></span></a></li><li><a class="blog_social_icon_fa" href="https://twitter.com/intent/tweet?url=http%3A%2F%2Fwww.u1cu.org%2Fblog%2Fmobile-banking-tips&text=Mobile+Banking+Tips" target="_blank" aria-label="Share on Twitter: Mobile Banking Tips"><span class="fab fa-x-twitter" ></span></a></li><li><a class="blog_social_icon_fa" href="https://www.linkedin.com/shareArticle?mini=true&url=http%3A%2F%2Fwww.u1cu.org%2Fblog%2Fmobile-banking-tips&title=Mobile+Banking+Tips" target="_blank" aria-label="Share on LinkedIn: Mobile Banking Tips"><span class="fab fa-linkedin" ></span></a></li></ul></div><br style="clear: both;" /></div><div class="blog_entry"><H2 class="blog_title"><a href="/blog/retirement-planning-by-age-and-life-stage">Retirement Planning by Age and Life Stage</a></H2><div class="blog_author_and_posted_date"><span class="blog_posted_date">4/7/2026</span></div><p style="text-align: center;"><strong><span style="color:#11325a;">The Key Decisions That Shape Your Retirement Years</span></strong></p>
652
653<p>Saving for retirement plays a key role in long-term financial independence and peace of mind. While retirement may feel far away&mdash;especially early in your career&mdash;starting to plan in your 20s can make a meaningful difference over time. As life changes, your retirement strategy should evolve with it.</p>
654
655<p>You should aim to save multiples of your annual salary for retirement, with general benchmarks being <strong>1x your salary by 30, 3x by 40, 6x by 50, 8x by 60, and 10x by 67</strong>, though these are guidelines and can vary based on lifestyle and goals, with saving 10-15% of your income annually often recommended</p>
656
657<p>This decade-by-decade guide offers general savings benchmarks and practical tips to help you stay on track, no matter where you are in y
657our financial journey.</p>
658<p><a href="/blog/retirement-planning-by-age-and-life-stage" class="blog_read_more cta">Read More</a></p><div class="blog_share"><ul><li class="blog_social_share">Share:</li> <li><a class="blog_social_icon_fa" href="https://www.facebook.com/share.php?u=http%3A%2F%2Fwww.u1cu.org%2Fblog%2Fretirement-planning-by-age-and-life-stage&t=Retirement+Planning+by+Age+and+Life+Stage" target="_blank" aria-label="Share on Facebook: Retirement Planning by Age and Life Stage"><span class="fab fa-facebook-square" ></span></a></li><li><a class="blog_social_icon_fa" href="https://twitter.com/intent/tweet?url=http%3A%2F%2Fwww.u1cu.org%2Fblog%2Fretirement-planning-by-age-and-life-stage&text=Retirement+Planning+by+Age+and+Life+Stage" target="_blank" aria-label="Share on Twitter: Retirement Planning by Age and Life Stage"><span class="fab fa-x-twitter" ></span></a></li><li><a class="blog_social_icon_fa" href="https://www.linkedin.com/shareArticle?mini=true&url=http%3A%2F%2Fwww.u1cu.org%2Fblog%2Fretirement-planning-by-age-and-life-stage&title=Retirement+Planning+by+Age+and+Life+Stage" target="_blank" aria-label="Share on LinkedIn: Retirement Planning by Age and Life Stage"><span class="fab fa-linkedin" ></span></a></li></ul></div><br style="clear: both;" /></div><div class="blog_entry"><H2 class="blog_title"><a href="/blog/dont-overlook-property-taxes-when-buying-a-home">Don’t Overlook Property Taxes When Buying a Home</a></H2><div class="blog_author_and_posted_date"><span class="blog_posted_date">2/11/2026</span></div><p style="text-align: center;"><span style="color:#11325a;"><strong>Don&rsquo;t Overlook Property Taxes When Buying a Home.</strong></span></p>
659
660<p>From saving for a down payment to planning for closing costs, there&rsquo;s a lot to budget for when buying a home. But one big expense is often overlooked: property taxes.</p>
661
662<p>We know &mdash; kitchen upgrades and paint colors are much more exciting to think about. But property taxes play a major role in the true cost of homeownership. Depending on where you live, they can add thousands of dollars to your annual budget. Let&rsquo;s walk through the basics so you feel prepared.</p>
663<p><a href="/blog/dont-overlook-property-taxes-when-buying-a-home" class="blog_read_more cta">Read More</a></p><div class="blog_share"><ul><li class="blog_social_share">Share:</li> <li><a class="blog_social_icon_fa" href="https://www.facebook.com/share.php?u=http%3A%2F%2Fwww.u1cu.org%2Fblog%2Fdont-overlook-property-taxes-when-buying-a-home&t=Don%E2%80%99t+Overlook+Property+Taxes+When+Buying+a+Home" target="_blank" aria-label="Share on Facebook: Don&rsquo;t Overlook Property Taxes When Buying a Home"><span class="fab fa-facebook-square" ></span></a></li><li><a class="blog_social_icon_fa" href="https://twitter.com/intent/tweet?url=http%3A%2F%2Fwww.u1cu.org%2Fblog%2Fdont-overlook-property-taxes-when-buying-a-home&text=Don%E2%80%99t+Overlook+Property+Taxes+When+Buying+a+Home" target="_blank" aria-label="Share on Twitter: Don&rsquo;t Overlook Property Taxes When Buying a Home"><span class="fab fa-x-twitter" ></span></a></li><li><a class="blog_social_icon_fa" href="https://www.linkedin.com/shareArticle?mini=true&url=http%3A%2F%2Fwww.u1cu.org%2Fblog%2Fdont-overlook-property-taxes-when-buying-a-home&title=Don%E2%80%99t+Overlook+Property+Taxes+When+Buying+a+Home" target="_blank" aria-label="Share on LinkedIn: Don&rsquo;t Overlook Property Taxes When Buying a Home"><span class="fab fa-linkedin" ></span></a></li></ul></div><br style="clear: both;" /></div><div class="blog_entry"><H2 class="blog_title"><a href="/blog/turn-your-homes-equity-into-opportunity">Turn Your Home's Equity Into Opportunity</a></H2><div class="blog_author_and_posted_date"><span class="blog_posted_date">1/27/2026</span></div><p style="text-align: center;"><span style="color:#11325a;"><strong>Use Your Home&rsquo;s Equity to Strengthen Your Finances</strong></span></p>
664
665<p>Owning a home is more than just putting down roots&mdash;it&rsquo;s an opportunity to build equity and improve your long-term financial health. At Universal 1 Credit Union (U1), we believe that understanding how equity works&mdash;and how to use it strategically&mdash;can open the door to new possibilities.</p>
666
667<p>Let&rsquo;s explore how paying off your mortgage faster, using a home equity line of credit or loan, and refinancing at the right time can help you make the most of your investment.</p>
668
669<p style="text-align: center;"><img alt="HELOC vs Home Remedy Loan Photo" src="/files/u1cu22/1/image/BLOG/Untitled-2.png" style="width: 600px;" title="HELOC vs Home Remedy Loan Photo" /></p>
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