1 2<!DOCTYPE html> 3<html lang="en"> 4<head> 5 <meta http-equiv="content-type" content="text/html; charset=utf-8"> 6 <meta name="description" content="Welcome to the U1 blog—your go-to source for answers to common financial questions and helpful tips on money and more."> 7 <meta name="keywords" content="credit union blog posts, credit union blog, financial education blog, finance blog, Universal 1 blog, id theft tips, identity theft blog, bank blogs, tips on finances, tips on savings, credit card tips, id theft protection, credit union post, universal 1 credit union blog post, finances blog, money tips blog, fraudulent charges tips, budgeting blog, budget tips blog, blog on budgeting, house buying blog, mortgage blog, first time home buyer blog, tips on mortgages, tips for first time home buyers, banking blog, Dayton Ohio, Butler County Ohio, Clark County Ohio, Clinton County Ohio, Darke County Ohio, Fayette County Ohio, Franklin County Ohio, Greene County Ohio, Guernsey County Ohio, Highland County Ohio, Licking County Ohio, Miami County Ohio, Montgomery County Ohio, Pickaway County Ohio, Pike County Ohio, Preble County Ohio, Ross County Ohio, Shelby County Ohio, Warren County Ohio, how to protect against identity theft, how to report fraudulent charges, local mortgage advice Dayton OH, apply for a mortgage universal 1, how to start a budget, student budgeting tips, how to save for retirement, credit score tips for beginners, "> 8 <meta name="viewport" content="width=device-width, initial-scale=1.0"> 9 <meta http-equiv="X-UA-Compatible" content="IE=edge">
10 <title>Read our latest Blogs - Universal 1 Credit Union</title> 11 <link rel="canonical" href="https://www.u1cu.org/blog" /> 12 13<meta property="og:description" content="Welcome to the U1 blog—your go-to source for answers to common financial questions and helpful tips on money and more." /> 14<meta property="og:title" content="Read our latest Blogs " /> 15<meta property="og:type" content="website" /> 16<meta property="og:url" content="https://www.u1cu.org/blog" /> 17 18 <meta name="apple-itunes-app" content="app-id=904998792" /> 19 <meta name="google-play-app" content="app-id=com.ifs.banking.fiid1553&hl=en"> 20 21 22<!-- jQUERY & BOOTSTRAP --> 23
23<script src="/templates/COMMON_JS/jquery-3.6.0.min.js"></script>
23 24
24<script src="https://cdnjs.cloudflare.com/ajax/libs/popper.js/1.16.0/umd/popper.min.js"></script>
24 25
25<script src="https://maxcdn.bootstrapcdn.com/bootstrap/4.5.2/js/bootstrap.min.js"></script>
25 26
26<script src="/templates/universal1_2022/js/jqueriness.js"></script>
26 27
27<script src="/templates/universal1_2022/js/jquery.smartbanner.js"></script>
27 28 29<!-- FAVICONS --> 30 <link rel="apple-touch-icon" sizes="180x180" href="/templates/universal1_2022/images/icons/apple-touch-icon.png"> 31 <link rel="icon" type="image/png" sizes="32x32" href="/templates/universal1_2022/images/icons/favicon-32x32.png"> 32 <link rel="icon" type="image/png" sizes="16x16" href="/templates/universal1_2022/images/icons/favicon-16x16.png"> 33 <link rel="manifest" href="/templates/universal1_2022/images/icons/site.webmanifest"> 34 <link rel="mask-icon" href="/templates/universal1_2022/images/icons/safari-pinned-tab.svg" color="#11325a"> 35 <link rel="shortcut icon" href="/templates/universal1_2022/images/icons/favicon.ico"> 36 <meta name="msapplication-TileColor" content="#11325a"> 37 <meta name="msapplication-config" content="/templates/universal1_2022/images/icons/browserconfig.xml"> 38 <meta name="theme-color" content="#11325A"> 39 40 41 42 43 44<!-- DIGI MKTING --> 45 <!-- schema.org --> 46
46<script type="application/ld+json"> 47 { 48 "@context": "https://schema.org", 49 "@type": "BreadcrumbList", 50 "itemListElement": [{ 51 "@type": "ListItem", 52 "position": 1, 53 "item": { 54 "name": "About U1", 55 "@id": "https://www.u1cu.org/about-u1" 56 } 57 },{ 58 "@type": "ListItem", 59 "position": 2, 60 "item": { 61 "name": "Blog", 62 "@id": "https://www.u1cu.org/blog" 63 } 64 }] 65 } 66 </script>
66 67 <!-- end schema.org --> 68 69 <!-- universal styles --> 70 <link rel="stylesheet" href="/admin/css/universal_template.css"> 71 <!-- Forum Module Header Code Start --> 72<link rel="stylesheet" type="text/css" href="/templates/COMMON_JS/CSS/forum.css" /> 73<!-- Forum Module Header Code End --> 74<!-- Locator Module Header Code Start -->
75<script async defer src="https://maps.googleapis.com/maps/api/js?key=AIzaSyDNnLqqlvFVicPs-6hZiiohT0pN4XGVUbw&callback=initMap" type="text/javascript"></script>
75 76 77 <link rel="stylesheet" type="text/css" href="/templates/COMMON_JS/CSS/new_loc.css" /> 78<link rel="stylesheet" type="text/css" href="/templates/COMMON_JS/CSS/new_loc_c19.css" /> 79<!-- Locator Module Header Code End --> 80<!-- Image Gallery CSS Start --> 81<link rel="stylesheet" type="text/css" href="/templates/COMMON_JS/CSS/gallery.css" /> 82<!-- Image Gallery CSS End --> 83<!-- Forms Module Header Code Start --> 84<link rel="stylesheet" type="text/css" href="/templates/COMMON_JS/CSS/default_form.css" /> 85<link rel="stylesheet" type="text/css" href="/templates/COMMON_JS/CSS/default_form_side.css" /> 86<!-- Forms Module Header Code End --> 87<!-- Video Module Header Code Start --> 88<!-- Video Module Header Code End --> 89<!-- Decision Tree Module Header Code Start --> 90<link rel="stylesheet" type="text/css" href="/templates/COMMON_JS/CSS/decision_tree.css" /> 91<!-- Decision Tree Module Header Code End --> 92<!-- Tables Module Header Code Start --> 93<link rel="stylesheet" type="text/css" href="/templates/COMMON_JS/CSS/default_table.css" /> 94<!-- Tables Module Header Code End --> 95<!-- Modal Popups & Alerts Code Start -->
96<script src="/templates/COMMON_JS/jquery.cookie.js" ></script>
96 97<!-- Modal Popups & Alerts Code End --> 98<!-- Simple Slideshow Code Start --> 99<link rel="stylesheet" type="text/css" href="/templates/COMMON_JS/CSS/simpleslides.css" /> 100<!-- Simple Slideshow Code End --> 101<!-- Modern Calendar Module Header Code Start --> 102<link rel="stylesheet" type="text/css" href="/templates/COMMON_JS/CSS/modern_cal.css" /> 103<!-- Modern Calendar Module Header Code End --> 104 105<!--- Tracking Pixel "SBG Remarketing Tag 1st" (id: 5) Begin --> 106<!-- Google Tag Manager -->
107<script>
vendor: 339 bytes, lines 107-111
107(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': 108new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], 109j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= 110'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); 111})(window,document,'script','dataLayerZypMedia','
111GTM-PKF8BMX
vendor: 3 bytes, line 111
111');
111</script>
111 112<!-- End Google Tag Manager --> 113 114<!--- Tracking Pixel "SBG Remarketing Tag 1st" (id: 5) End --> 115 116<!--- Tracking Pixel "Google AdWords Global Site Tag" (id: 65) Begin --> 117<!-- Global site tag (gtag.js) - Google Ads: 954151339 -->
vendor: 65 bytes, lines 117-118
117 118<script async src="https://www.googletagmanager.com/gtag/js?id=
118AW-954151339
vendor: 13 bytes, line 118
118"></script>
119<script> 120
vendor: 138 bytes, lines 120-124
120window.dataLayer = window.dataLayer || []; 121 function gtag(){dataLayer.push(arguments);} 122 gtag('js', new Date()); 123 124 gtag('config', '
124AW-954151339
vendor: 5 bytes, line 124
124');
125</script>
125 126<!--- Tracking Pixel "Google AdWords Global Site Tag" (id: 65) End --> 127 128<!--- Tracking Pixel "GDPR Cookie Alert" (id: 75) Begin --> 129<link rel="stylesheet" type="text/css" href="//cdnjs.cloudflare.com/ajax/libs/cookieconsent2/3.0.3/cookieconsent.min.css" />
130<script src="//cdnjs.cloudflare.com/ajax/libs/cookieconsent2/3.0.3/cookieconsent.min.js"></script>
vendor: 2 bytes, line 130
130
131<script> 132window.addEventListener("load", function(){ 133window.cookieconsent.initialise({ 134 "palette": { 135 "popup": { 136 "background": "#11325a", 137 "text": "#ffffff" 138 }, 139 "button": { 140 "background": "#38b6ff", 141 "text": "#000000" 142 } 143 }, 144 "theme": "classic", 145 "content": { 146 "message": "u1cu.org uses cookies to ensure you get the best web experience. By continuing to browse this website, you agree to our use of cookies.", 147 "link": "Learn more", 148 "href": "https://u1cu15.secure.cusolutionsgroup.net/files/u1cu15/1/file/Disclosures_Policies/U1%20Google%20disclosure%20update.pdf" 149 } 150})}); 151</script>
151 152<!--- Tracking Pixel "GDPR Cookie Alert" (id: 75) End --> 153 154<!--- Tracking Pixel "Google Tag Manager" (id: 101) Begin --> 155<!-- Google Tag Manager -->
156<script>
vendor: 331 bytes, lines 156-160
156(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': 157new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], 158j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= 159'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); 160})(window,document,'script','dataLayer','
160GTM-KB4VK7F
vendor: 3 bytes, line 160
160');
160</script>
160 161<!-- End Google Tag Manager --> 162<!--- Tracking Pixel "Google Tag Manager" (id: 101) End --> 163 164<!--- Tracking Pixel "GA4" (id: 113) Begin --> 165<!-- Global site tag (gtag.js) - Google Analytics -->
vendor: 65 bytes, lines 165-166
165 166<script async src="https://www.googletagmanager.com/gtag/js?id=
166G-VZJ2G1Q8J2
vendor: 13 bytes, line 166
166"></script>
167<script> 168
vendor: 138 bytes, lines 168-172
168window.dataLayer = window.dataLayer || []; 169 function gtag(){dataLayer.push(arguments);} 170 gtag('js', new Date()); 171 172 gtag('config', '
172G-VZJ2G1Q8J2
vendor: 5 bytes, line 172
172');
173</script>
173 174<!--- Tracking Pixel "GA4" (id: 113) End --> 175 176<!--- Tracking Pixel "WebTrax Javascript" (id: 117) Begin -->
177<script src="https://wt.dm00.com/WebSiteTracking/scripts/tracking.js" data-cguid="f8oO7EO2eEmjTUPejVjA8A"></script>
177 178<!--- Tracking Pixel "WebTrax Javascript" (id: 117) End --> 179 180<!--- Tracking Pixel "SBG Email Retargeting Pixel" (id: 119) Begin -->
181<script>var pageURL = 'pageURL='+ window.location.href;var clientID = 'clientID='+772533;var sendString = pageURL + '&' + clientID;var r = new XMLHttpRequest();r.open('POST', 'https://kayofthejungle.com/tag/image.php', true);r.setRequestHeader('Content-type', 'application/x-www-form-urlencoded');r.onreadystatechange = function () {if (r.readyState != 4 || r.status != 200) return;console.log('Success: ' + r.responseText);};r.send( sendString); </script>
181 182<!--- Tracking Pixel "SBG Email Retargeting Pixel" (id: 119) End --> 183 184<!--- Tracking Pixel "Blog Schema" (id: 143) Begin -->
185<script type="application/ld+json"> 186{ 187 "@context": "https://schema.org", 188 "@graph": [ 189 { 190 "@type": "Organization", 191 "name": "Universal 1 Credit Union", 192 "url": "https://www.u1cu.org/blog", 193 "logo": "https://www.u1cu.org/path-to-logo.png", 194 "sameAs": [ 195 "https://www.facebook.com/Universal1CreditUnion", 196 "https://twitter.com/U1CreditUnion", 197 "https://www.linkedin.com/company/universal-1-credit-union", 198 "https://www.instagram.com/u1creditunion/" 199 ], 200 "description": "Universal 1 Credit Union provides expert financial guidance and community resources. Read our latest blogs for tips on cybersecurity, finances, and member resources." 201 }, 202 { 203 "@type": "WebPage", 204 "name": "U1 Blog", 205 "url": "https://www.u1cu.org/blog", 206 "description": "Stay up to date with Universal 1 Credit Unionâs latest blog posts. Learn about cybersecurity, scam prevention, financial tips, and community news. Check back regularly for new posts.", 207 "publisher": { 208 "@type": "Organization", 209 "name": "Universal 1 Credit Union", 210 "logo": "https://www.u1cu.org/path-to-logo.png", 211 "url": "https://www.u1cu.org" 212 }, 213 "mainEntity": [ 214 { 215 "@type": "BlogPosting", 216 "headline": "Protect Yourself from Phone Spoofing Scams", 217 "url": "https://www.u1cu.org/blog#protect-yourself-from-phone-spoofing-scams", 218 "datePublished": "2025-11-19", 219 "description": "Learn how to recognize and handle phone spoofing scams to protect your personal information and financial accounts.", 220 "author": { 221 "@type": "Organization", 222 "name": "Universal 1 Credit Union" 223 } 224 }, 225 { 226 "@type": "BlogPosting", 227 "headline": "Simple Tips to Save on Winter Energy Costs", 228 "url": "https://www.u1cu.org/blog#simple-tips-to-save-on-winter-energy-costs", 229 "datePublished": "2025-11-06", 230 "description": "Manage winter expenses with practical tips for saving on heating bills, holiday spending, and unexpected weather-related costs.", 231 "author": { 232 "@type": "Organization", 233 "name": "Universal 1 Credit Union" 234 } 235 }, 236 { 237 "@type": "BlogPosting", 238 "headline": "Cybersecurity Awareness", 239 "url": "https://www.u1cu.org/blog#cybersecurity-awareness", 240 "datePublished": "2025-11-03", 241 "description": "Protect your digital and financial life with key cybersecurity awareness practices provided by Universal 1 Credit Union.", 242 "author": { 243 "@type": "Organization", 244 "name": "Universal 1 Credit Union" 245 } 246 }, 247 { 248 "@type": "BlogPosting", 249 "headline": "Family Emergency Scams", 250 "url": "https://www.u1cu.org/blog#family-emergency-scams", 251 "datePublished": "2025-10-22", 252 "description": "Learn how to spot family emergency scams and protect yourself from emotionally-driven financial fraud.", 253 "author": { 254 "@type": "Organization", 255 "name": "Universal 1 Credit Union" 256 } 257 }, 258 { 259 "@type": "BlogPosting", 260 "headline": "A Guide for Parents", 261 "url": "https://www.u1cu.org/blog#a-guide-for-parents", 262 "datePublished": "2025-10-13", 263 "description": "Tips for keeping children safe online while teaching them about cybersecurity, identity theft, and digital responsibility.", 264 "author": { 265 "@type": "Organization", 266 "name": "Universal 1 Credit Union" 267 } 268 }, 269 { 270 "@type": "BlogPosting", 271 "headline": "Simple Steps to Stay Secure", 272 "url": "https://www.u1cu.org/blog#simple-steps-to-stay-secure", 273 "datePublished": "2025-10-10", 274 "description": "Daily habits to protect your personal and financial information online and keep your digital life safe.", 275 "author": { 276 "@type": "Organization", 277 "name": "Universal 1 Credit Union" 278 } 279 }, 280 { 281 "@type": "BlogPosting", 282 "headline": "Protecting Your Money and Personal Information", 283 "url": "https://www.u1cu.org/blog#protecting-your-money-and-personal-information", 284 "datePublished": "2025-10-06", 285 "description": "Universal 1 Credit Union shares resources and tips to help members stay alert against scams and safeguard their money.", 286 "author": { 287 "@type": "Organization", 288 "name": "Universal 1 Credit Union" 289 } 290 } 291 ] 292 } 293 ] 294} 295</script>
295 296<!--- Tracking Pixel "Blog Schema" (id: 143) End --> 297 298<!--- Tracking Pixel "Meta Tracking Pixel " (id: 287) Begin --> 299<!-- Meta Pixel Code -->
300<script>
vendor: 408 bytes, lines 300-309
300 301!function(f,b,e,v,n,t,s) 302{if(f.fbq)return;n=f.fbq=function(){n.callMethod? 303n.callMethod.apply(n,arguments):n.queue.push(arguments)}; 304if(!f._fbq)f._fbq=n;n.push=n;n.loaded=!0;n.version='2.0'; 305n.queue=[];t=b.createElement(e);t.async=!0; 306t.src=v;s=b.getElementsByTagName(e)[0]; 307s.parentNode.insertBefore(t,s)}(window, document,'script', 308'https://connect.facebook.net/en_US/fbevents.js'); 309fbq('init', '
309709744694625048
vendor: 32 bytes, lines 309-310
309'); 310fbq('track', 'PageView');
311</script>
311 312<noscript><img height="1" width="1" style="display:none" 313src="https://www.facebook.com/tr?id=709744694625048&ev=PageView&noscript=1" 314/></noscript> 315<!-- End Meta Pixel Code --> 316<!--- Tracking Pixel "Meta Tracking Pixel " (id: 287) End --> 317<!-- Generic CMS Styles Start --> 318<style>UL.content_simple_gallery{list-style:none}UL.content_simple_gallery LI{display:inline-block;margin-right:10px}LI.simple_gallery_view_more{vertical-align:middle;margin-left:40px}</style> 319<!-- Generic CMS Styles End --> 320<!-- font awesome --> 321<link href="/templates/COMMON_JS/fontawesome-pro-6.4.2-web/css/all.min.css" rel="stylesheet"> 322<!-- generic frontend scripting -->
323<script type="text/javascript" src="/admin/js/frontend.js"></script>
323 324<!-- for validating forms -->
325<script type="text/javascript" src="/form_system/js/uniValidate.js"></script>
vendor: 61 bytes, lines 325-326
325 326<script src="https://www.google.com/recaptcha/api.js?render=
3266LdfWS4sAAAAAGRhCnIlbl8Z-RSMYIdVIoUB0UgR
vendor: 30 bytes, lines 326-329
326" async defer></script> 327 328 329
330<!-- STYLESHEETS --> 331 <!-- link rel="stylesheet" type="text/css" href="/templates/universal1_2022/css/jquery.smartbanner.css" / --> 332 <link rel="stylesheet" href="//use.typekit.net/ost7pnd.css"> 333 <link rel="stylesheet" type="text/css" href="/templates/universal1_2022/css/style.css?version=12Aug2026" /> 334 <link rel="stylesheet" type="text/css" href="/templates/universal1_2022/css/recolor.css?version=12Aug2026" /> 335 <link rel="stylesheet" type="text/css" href="/templates/universal1_2022/css/print.css" media="print"/> 336 337 <style type="text/css"> 338 /*XS*/ 339 @media only screen and (max-width: 576px) { 340 .Cnotice {padding-right: 50px !important;} 341 .Cnotice button.exed {right: 50px;} 342 } 343 </style> 344 345 346 </head> 347 348<body> 349 350<!-- DIGI MKTING --> 351 352<!--- Tracking Pixel "SBG Remarketing Tag 2nd" (id: 7) Begin --> 353<!-- Google Tag Manager (noscript) -->
vendor: 69 bytes, lines 353-354
353 354<noscript><iframe src="https://www.googletagmanager.com/ns.html?id=
354GTM-PKF8BMX
vendor: 85 bytes, lines 354-355
354" 355height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>
356<!-- End Google Tag Manager (noscript) --> 357 358<!--- Tracking Pixel "SBG Remarketing Tag 2nd" (id: 7) End --> 359 360<!--- Tracking Pixel "Google Tag Manager" (id: 103) Begin --> 361<!-- Google Tag Manager (noscript) -->
vendor: 69 bytes, lines 361-362
361 362<noscript><iframe src="https://www.googletagmanager.com/ns.html?id=
362GTM-KB4VK7F
vendor: 85 bytes, lines 362-363
362" 363height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>
364<!-- End Google Tag Manager (noscript) --> 365<!--- Tracking Pixel "Google Tag Manager" (id: 103) End --> 366 367<!-- MJ's INFO --> 368 369 370<!-- ALERT --> 371 372<div class="contentwrapper"> 373 374 <header><div class="liner"> 375<!-- SKIPNAV --> 376 <a href="#maincontent" class="skipper" tabindex=0>Go to main content</a> 377<!-- TOPLINKS --> 378 <div class="toplinks" role="navigation"> 379 <div class="TL"><span class="notalink">Routing: 242278072</span><a href="/anywhere" class="related_link" id="related_link_19">Locations</a> <a href="/eligibility" class="related_link" id="related_link_131">Join</a> <a href="https://u1cu.isolvedhire.com/jobs/" target=_blank onclick="return leave_site()" class="related_link" id="related_link_21">Careers</a> <a href="/contact" class="related_link" id="related_link_23">Contact</a> <a href="/rates" class="related_link" id="related_link_191">Rates</a> </div> 380<!-- BUTTONS --> 381 <div class="buttons" ><a href="https://app.loanspq.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD2bMJaRNtoDDBBp6AtCBAjhP6XwQSntJp2hVXxpQeTNb" target=_blank onclick="return leave_site()" class="related_link" id="related_link_27">Open an Account</a> <a href="https://www.u1cuonline.org/dbank/live/app/login/consumer" target=_blank class="related_link" id="related_link_29">Online Banking</a> <a href="https://u1cu.messagepay.com/payment/accountlookup" target=_blank class="related_link" id="related_link_219">Pay Your Loan</a> </div> 382 </div> 383<!-- HOMELINK --> 384 <a href="/" class="homelink"><img src="/templates/universal1_2022/images/logo2024.png" alt="Universal 1 Credit Union" /></a> 385 386<!-- MENU TOGGLER --> 387 <button class="menutoggler" aria-expanded="false" aria-controls="mobimenu" aria-label="Open/Close Menu"></button> 388 389<!-- MENU --> 390 <a name="nav"></a> 391 <nav class="pc"> 392 <div class="navliner"><button class="CMitem" id="CMi1" rel="1" aria-expanded="false" aria-label="Open/Close Everyday Banking Section" aria-controls="CMc1">Everyday Banking</button><div class="ddcontent" id="CMc1" ><table border="0" cellpadding="0" cellspacing="20" style="width:100%;"> 393 <tbody> 394 <tr> 395 <td style="vertical-align: top; width: 33%;"> 396 <p class="Mhead"><a href="/checking">U1 Checking</a></p> 397 398 <p class="Mhead"><a href="/savings">U1 Savings</a></p> 399 400 <ul> 401 <li><a href="/savings">Money Market Accounts</a></li> 402 <li><a href="/certificates">Certificates</a></li> 403 </ul> 404 405 <p class="Mhead"><a href="/hsa">Health Savings Account</a></p> 406 407 <p class="Mhead"><a href="/ira">IRA</a></p> 408 409 <p class="Mhead"> </p> 410 </td> 411 <td style="vertical-align: top; width: 33%;"> 412 <p class="Mhead"><a href="/business-accounts">Business Checking & Savings</a></p> 413 414 <p class="Mhead"><a href="/young-savers">Youth Accounts</a></p> 415 416 <p class="Mhead"><a href="/club-accounts">Club Accounts</a></p> 417 418 <ul> 419 <li><a href="/club-accounts">Holiday Account</a></li> 420 <li><a href="/club-accounts">Vacation Account</a></li> 421 </ul> 422 423 <p class="Mhead"><a href="/financial-advisors">Financial Advisors</a></p> 424 425 <ul> 426 <li><a href="/financial-advisors/u1-financial-webinars" target="_blank" title="Free Webinars">Free Webinars</a></li> 427 </ul> 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're a first time home buyer, found a new home or just starting to look, we'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>Â </p> 602</div></div> </nav> 603 604<!-- SEARCH BUTTON--> 605 <button id="sitesearch" aria-expanded="false" aria-label="Open/Close the Search" aria-controls="searchthesite"></button> 606 607<!-- SEARCH FORM--> 608 <div class="sitesearch" role="search" aria-label="Search this Site" id="searchthesite"> 609 <form method=get action="/search" name="sitesearch" onsubmit="return check_search();"> 610 <label for="thesearch" class="visuallyhidden"> Search: </label><input type="text" name="zoom_query" class="searchbox" id="thesearch" placeholder="Search"> 611 <button type="submit" aria-label="Search"></button> 612 </form> 613 </div> 614 615 </div></header><!-- BANNER --> 616 <style type="text/css"> 617 .intbanner{background-image: url(/files/u1cu22/1/banners/Blog_7_Desktop_141.webp);} 618 /*M*/ 619 @media only screen and (max-width: 767px) { 620 .intbanner{background-image: url(/files/u1cu22/1/banners/Blog7_Mobile_143.webp);} 621 } 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> > <a href="/about-u1">About U1</a> > <span class="nolink">Read our latest Blogs </span> </div> 630 </div> 631 </section> 632 <p class="crumbs2"><a href="/">Home</a> > <a href="/about-u1">About U1</a> > <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 — 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’s fast, convenient, and secure, especially when you know how to get the most out of it. Whether you’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—especially early in your career—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">Donât 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’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’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 — 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’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’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’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’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’s Equity to Strengthen Your Finances</strong></span></p> 664 665<p>Owning a home is more than just putting down roots—it’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—and how to use it strategically—can open the door to new possibilities.</p> 666 667<p>Let’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> 670<p><a href="/blog/turn-your-homes-equity-into-opportunity" 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%2Fturn-your-homes-equity-into-opportunity&t=Turn+Your+Home%27s+Equity+Into+Opportunity" target="_blank" aria-label="Share on Facebook: Turn Your Home's Equity Into Opportunity"><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%2Fturn-your-homes-equity-into-opportunity&text=Turn+Your+Home%27s+Equity+Into+Opportunity" target="_blank" aria-label="Share on Twitter: Turn Your Home's Equity Into Opportunity"><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%2Fturn-your-homes-equity-into-opportunity&title=Turn+Your+Home%27s+Equity+Into+Opportunity" target="_blank" aria-label="Share on LinkedIn: Turn Your Home's Equity Into Opportunity"><span class="fab fa-linkedin" ></span></a></li></ul></div><br style="clear: both;" /></div></div><div class=page-selector></div></p> 671 672<p> </p> 673 674<p> </p> 675 676 <a href="#nav" class="skipper">Go to main navigation</a> 677 </article> 678 </section> 679 680<!-- REGIONS --> 681 <section class="regions" aria-label="Additional Information"> 682 <div class="liner"> 683 <div class="regionbox"><h3>Archive</h3> 684 <!--<span class="blog_year">
684Show Blogs by Year</span>--> 685 <form method="GET" action="/blog"> 686 <label for="blog_year_dropdown" aria-hidden="false" style="display: none;">Blog Year</label> 687 <select id="blog_year_dropdown" name="year"> 688 <option value="2026">2026</option><option value="2025">2025</option><option value="2024">2024</option><option value="2023">2023</option><option value="2022">2022</option><option value="2021">2021</option><option value="2020">2020</option> 689 </select> 690 <input type="hidden" name="blog_id" value="0"> 691 <input type="submit" value="Go"> 692 </form> 693 </div><div class="regionbox"><h3>Categories</h3><div class="region_blog_list"><a href="/blog?blog_id=0&category_id=19">Community (2)</a><br><a href="/blog?blog_id=0&category_id=7">Finances (38)</a><br><a href="/blog?blog_id=0&category_id=9">ID Theft/Protecting yourself (25)</a><br><a href="/blog?blog_id=0&category_id=17">Personal (23)</a><br><a href="/blog?blog_id=0&category_id=11">Products & Services (16)</a><br></div></div> </div> 694 <a href="#nav" class="skipper">Go to main navigation</a> 695 </section> 696 697</main> 698 699 <aside> 700 <h2>We're Here to Help!</h2> 701 <div class="liner"> 702 <a href="/online" aria-label="Online Banking" class="related_link" id="related_link_37"><span class="fa-light fa-piggy-bank RLicon"></span> <span class="RLwords">Online Banking</span></a> <a href="/contact" aria-label="Contact" class="related_link" id="related_link_39"><span class="fa-light fa-comments RLicon"></span> <span class="RLwords">Contact</span></a> <a href="/rates" aria-label="Rates" class="related_link" id="related_link_41"><span class="fa-light fa-percent RLicon"></span> <span class="RLwords">Rates</span></a> </div> 703 </aside> 704 705 706 707<style type="text/css"> 708 footer {background-image: url(/files/u1cu22/1/image/footer/Footer-Background.jpg);> 709 /*M*/ 710 @media only screen and (max-width: 991px) { 711 footer {background-image: url(/files/u1cu22/1/image/footer/Footer-Background-Mobile.jpg);> 712 } 713</style> 714<!-- FOOTER --> 715 <footer> 716 <div class="blushade"> 717<!-- SOCMED --> 718 <div class="socmed"><a href="https://www.facebook.com/myu1cu" target=_blank onclick="return leave_site()" aria-label="Facebook" class="related_link" id="related_link_1"><span class="fa-brands fa-facebook-f RLicon"></span> <span class="RLwords">Facebook</span></a> <a href="https://www.instagram.com/myu1cu/" target=_blank onclick="return leave_site()" aria-label="Instagram" class="related_link" id="related_link_5"><span class="fa-brands fa-instagram RLicon"></span> <span class="RLwords">Instagram</span></a> <a href="https://www.youtube.com/channel/UCTyZIqfrghVjg4oni2lqYrQ" target=_blank onclick="return leave_site()" aria-label="YouTube" class="related_link" id="related_link_7"><span class="fa-brands fa-youtube RLicon"></span> <span class="RLwords">YouTube</span></a> <a href="https://www.linkedin.com/company/universal-1-credit-union " target=_blank onclick="return leave_site()" aria-label="LinkedIn" class="related_link" id="related_link_25"><span class="fa-brands fa-linkedin-in RLicon"></span> <span class="RLwords">LinkedIn</span></a> </div> 719 <div class="container-fluid"> 720 <div class="row "> 721 <!-- LOGO --> 722 <div class="Flogo col-12 col-sm-7 col-lg-3 d-flex justify-content-center align-items-center"><img src="/templates/universal1_2022/images/logo2024W.png" alt="Universal 1 Credit Union"></div> 723 724 <!-- VISA --> 725 <div class="visa col-12 col-sm-5 col-lg-3 pt-5 d-flex justify-content-center align-items-center"> 726 <div class="text-left"><div class="code_block"><p><span style="font-size:18px;font-weight: 600">Lost or Stolen VISA<br /> 727& 24/7 Card Support</span></p> 728 729<p><span style="font-size:16px;">Credit â <a href="tel:8552220498">855-222-0498</a><br /> 730Debit â <a href="tel:8004723272">800-472-3272</a><br /> 731<span style="font-size:16px;">Direct Line â <a href="tel:8004535000">800-453-5000</a></span></span></p> 732</div></div> 733 </div> 734 735 <!-- APPS --> 736 <div class="apps col-12 col-sm-7 col-lg-3 pt-5 pb-sm-5 d-flex justify-content-center align-items-center"> 737 <div> 738 Download our Mobile App 739 <p><a href="/go.php?bid=29" target=_blank onclick='return leave_site();' id="icon29"><img src="/files/u1cu22/1/banners/App_Store_29.png" alt="Download on the App Store"></a><a href="/go.php?bid=31" target=_blank onclick='return leave_site();' id="icon31"><img src="/files/u1cu22/1/banners/Google_Play_31.png" alt="Get it on Google Play"></a></p> 740 </div> 741 </div> 742 <!-- EHL & NCUA --> 743 <div class="footnote col-12 col-sm-5 col-lg-3 pt-5 pb-sm-5 d-flex justify-content-center align-items-center" role="contentinfo"> 744 <div class="restricted"> 745 <a href="/go.php?bid=563" id="icon563"><img src="/files/u1cu22/1/banners/Best_in_State_White_185_563.png" alt="U1 Best-In-State"></a><a href="/go.php?bid=423" target=_blank onclick='return leave_site();' id="icon423"><img src="/files/u1cu22/1/banners/fheo300_white-copy_57x61_423.png" alt="EHO logo"></a><img src="/files/u1cu22/1/banners/footer_coop_19.png" alt="CO-OP Logo"><a href="/go.php?bid=15" target=_blank onclick='return leave_site();' id="icon15"><img src="/files/u1cu22/1/banners/footer_ncua_15.png" alt="NCUA logo"></a> <div class="code_block"><p>Federally Insured by NCUA.</p> 746</div> </div> 747 </div> 748 749 <!-- BOTTOMLINKS --> 750 <div class="bottomlinks col-12 pt-5 pb-3"><span class="notalink">Routing: 242278072</span><a href="/accessibility-statement" class="related_link" id="related_link_9">Accessibility Statement</a> <a href="/privacy-policy" class="related_link" id="related_link_11">Privacy</a> <a href="/disclosures" class="related_link" id="related_link_13">Disclosures</a> <a href="/site-map" class="related_link" id="related_link_15">Site Map</a> </div> 751 </div> 752 </div> 753 </div> 754 </footer> 755</div> 756 757 758<!-- MOBILE MENU --> 759 <nav class="mobile" id="mobimenu"> 760 <button class="menutoggler2" aria-expanded="true" aria-controls="mobimenu" aria-label="Close Mobile Menu"><span class="far fa-times"></span></button> 761 <a class="L1 d-block" href="/">Home</a><button class="L1 d-block" which="23" aria-expanded="false" aria-controls="MM23" aria-label="Open/Close Everyday Banking Section">Everyday Banking</button><div id="MM23" class="L2 py-1 px-2"><a href="/checking" target=_self class="d-block">U1 Checking</a><a href="/savings" target=_self class="d-block">U1 Savings</a><a href="/savings" target=_self class="d-block">Money Market</a><a href="/savings" target=_self class="d-block">Certificates</a><a href="/hsa" target=_self class="d-block">Health Savings Account (HSA)</a><a href="/ira" target=_self class="d-block">Individual Retirement Account</a><a href="/business-accounts" target=_self class="d-block">U1 Business Accounts</a><a href="/young-savers" target=_self class="d-block">U1 Youth Accounts</a><a href="/club-accounts" target=_self class="d-block">Club Accounts</a><a href="/club-accounts#tiles.1" target=_self class="d-block">Vacation Account</a><a href="/club-accounts#tiles.1" target=_self class="d-block">Holiday Account</a>
761<a href="/financial-advisors" target=_self class="d-block">U1 Financial Advisors</a><a href="https://www.cbsinvestorconnection.com/Financial_Solutions?cuid=03404360" target=_blank onclick="return leave_site();" class="d-block">Investments</a></div><button class="L1 d-block" which="25" aria-expanded="false" aria-controls="MM25" aria-label="Open/Close Borrow Section">Borrow</button><div id="MM25" class="L2 py-1 px-2"><a href="/auto" target=_self class="d-block">U1 Auto Loans</a><a href="/auto-refi" target=_self class="d-block">auto-refi</a><a href="/borrow/direct-vs-dealer-financing" target=_self class="d-block">U1 VIP Auto Loans vs Dealer Financing</a><a href="/recreational-vehicles" target=_self class="d-block">Recreational Vehicle Loans</a><a href="/signature" target=_self class="d-block">Signature Loans</a><a href="/holiday-loan" target=_self class="d-block">Holiday Loan</a><a href="/mortgage" target=_self class="d-block">Mortgage Center</a><a href="/first-home" target=_self class="d-block">First Time Home Buyer</a><a href="/home-purchase" target=_self class="d-block">Home Purchase</a><a href="/refinance" target=_self class="d-block">Refinance Mortgage</a><a href="/home-equity" target=_self class="d-block">Home Equity Loans</a><a href="/credit-card" target=_self class="d-block">U1 VISA Credit Cards</a><a href="https://onlinebanking.firstdata.com/ecs/auth/?cid=AAAA6530001" target=_blank onclick="return leave_site();" class="d-block">VISA Account Access</a><a href="/overdraft-line-of-credit" target=_self class="d-block">Overdraft Line of Credit (LOC)</a><a href="/student-loans" target=_self class="d-block">Student Loans</a></div><button class="L1 d-block" which="27" aria-expanded="false" aria-controls="MM27" aria-label="Open/Close Resources Section">Resources</button><div id="MM27" class="L2 py-1 px-2"><a href="/digital-services" target=_self class="d-block">U1 Digital Services</a><a href="/online" target=_self class="d-block">U1 Online Banking</a><a href="/mobile" target=_self class="d-block">U1 Mobile Banking</a><a href="/digital-wallet" target=_self class="d-block">Digital Wallet</a><a href="/card-services" target=_self class="d-block">U1 Card Services</a><a href="/card-services#tiles.2" target=_self class="d-block">Debit Card</a><a href="/card-services#tiles.2" target=_self class="d-block">ATM Card</a><a href="/cardvalet" target=_self class="d-block">CardValet</a><a href="/faqs" target=_self class="d-block">FAQs</a><a href="/pay-loan" target=_self class="d-block">Pay Your Loan</a><a href="/direct-deposit" target=_self class="d-block">Direct Deposit</a><a href="/overdraft-privilege-plus" target=_self class="d-block">Overdraft Privilege PLUS</a><a href="/online-security" target=_self class="d-block">Online Security</a><a href="/financial-planning" target=_self class="d-block">Financial Planning</a><a href="/insurance" target=_self class="d-block">Insurance</a><a href="/tips" target=_self class="d-block">Tips</a><a href="/perks" target=_self class="d-block">U1 Perks</a><a href="/message-pay" target=_self class="d-block">Message Pay</a></div><button class="L1 d-block" which="29" aria-expanded="false" aria-controls="MM29" aria-label="Open/Close About U1 Section">About U1</button><div id="MM29" class="L2 py-1 px-2"><a href="/aboutus" target=_self class="d-block">About Us</a><a href="/story" target=_self class="d-block">Our Story</a><a href="/in-the-community" target=_self class="d-block">In the Community</a><a href="/testimonials" target=_self class="d-block">Testimonials</a><a href="/eligibility" target=_self class="d-block">Eligibility</a><a href="/u1-connection" target=_self class="d-block">U1 Connection (SEGS)</a><a href="/anywhere" target=_self class="d-block">Hours & Locations</a><a href="/shared-branching" target=_self class="d-block">Shared Branching</a><a href="/contact" target=_self class="d-block">Contact Us</a><a href="/news" target=_self class="d-block">News & Events</a><a href="/blog" target=_self class="d-block">Blog</a><a href="/annual-meeting" target=_self class="d-block">Annual Meeting</a></div> <div class="TL2"><span class="notalink">Routing: 242278072</span><a href="/anywhere" class="related_link" id="related_link_19">Locations</a> <a href="/eligibility" class="related_link" id="related_link_131">Join</a> <a href="https://u1cu.isolvedhire.com/jobs/" target=_blank onclick="return leave_site()" class="related_link" id="related_link_21">Careers</a> <a href="/contact" class="related_link" id="related_link_23">Contact</a> <a href="/rates" class="related_link" id="related_link_191">Rates</a> </div> 762 </nav> 763 764 765<!-- EXTERNAL LINKS --> 766
766<script LANGUAGE="JavaScript"> 767 function leave_site() { 768 return window.confirm('You are leaving the Universal 1 Credit Union Web site. The Web site you have selected is an external one located on another server. Universal 1 Credit Union has no responsibility for any external Web site. It neither endorses the information, content, presentation, or accuracy nor makes any warranty, express or implied, regarding any external site. Thank you for visiting Universal 1 Credit Union.') 769 } 770 </script>
770 771 772<!-- Smart banner --> 773
773<script src="/templates/universal1_2022/js/jquery.smartbanner.js"></script>
773 774
774<script type="text/javascript"> 775 var android = location.href.match(/#android$/) || navigator.userAgent.match(/Android/i) != null; 776 $.smartbanner({title: 'Universal 1 Credit Union',author: 'Universal 1 Credit Union'}); 777 </script>
777 778 779 780<!-- DIGI MKTING --> 781 782<!--- Tracking Pixel "style for inputs on forms" (id: 115) Begin --> 783<style>input[type="submit"]{margin: 0 20px !important;}</style> 784<!--- Tracking Pixel "style for inputs on forms" (id: 115) End --> 785<!-- AudioEye -->
786<script type="text/javascript">!function(){var b=function(){window.__AudioEyeSiteHash = "d721e484f4f65c598927a7f6a95abddf"; var a=document.createElement("script");a.src="https://wsmcdn.audioeye.com/aem.js";a.type="text/javascript";a.setAttribute("async","");document.getElementsByTagName("body")[0].appendChild(a)};"complete"!==document.readyState?window.addEventListener?window.addEventListener("load",b):window.attachEvent&&window.attachEvent("onload",b):b()}();</script>
786 787
788<script> 789 $(document).ready(function() { 790 $(".code_block_accordion .code_block_indiv_top").click(function() { 791 $(this).parent().toggleClass("open"); 792 $(this).parent().children(".code_block_indiv_content").slideToggle(); 793 $(this).parent().children(".code_block_indiv_image").slideToggle(); 794 }); 795 }) 796</script>
796 797 798 799<style> 800.reveal {position: relative; opacity: 0;} 801.reveal.active {opacity: 1;} 802.active.fade-bottom {animation: fade-bottom 1s ease-in;} 803.active.fade-left {animation: fade-left 1s ease-in;} 804.active.fade-right {animation: fade-right 1s ease-in;} 805@keyframes fade-bottom {0% {transform: translateY(100px);opacity: 0;} 100% {transform: translateY(0); opacity: 1;}} 806@keyframes fade-left {0% {transform: translateX(-400px);opacity: 0;} 100% {transform: translateX(0);opacity: 1;}} 807@keyframes fade-right {0% {transform: translateX(400px);opacity: 0;} 100% {transform: translateX(0);opacity: 1;}} 808</style>
809<script> 810function reveal() { 811 var reveals = document.querySelectorAll(".reveal"); 812 for (var i = 0; i < reveals.length; i++) { 813 var windowHeight = window.innerHeight; 814 var elementTop = reveals[i].getBoundingClientRect().top; 815 var elementVisible = 150; 816 if (elementTop < windowHeight - elementVisible) { 817 reveals[i].classList.add("active"); 818 } else { 819 reveals[i].classList.remove("active"); 820 } 821 } 822} 823window.addEventListener("scroll", reveal); 824$(document).ready(function() {reveal()}) 825</script>
825 826 827 828</BODY> 829</HTML>
Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.