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Managing your finances with UNFCUUNFCU Geneva 2020 www.unfcu.org
Introducing UNFCU
Started by UN staff in 1947We are a credit union Not-for-profit Cooperative independent of stockholders Committed to serving the UN communityFull range of banking products and services Solutions are in US dollars 155,000 members around the worldUNFCU serving the people who serve the world 3
Membership open to UN community UN staff UN retirees UN consultants UN volunteers Family members of UNFCU memberswww.unfcu.org/eligibilityUNFCU serving the people who serve the world 4
Lifetime membershipKeep your membership and accounts if you: Relocate Separate from the UN RetireUNFCU serving the people who serve the world 5
Supporting our community Climate neutral since 2016 Active member of UN Global Compact Aligned with UN Sustainable Development Goals Launched UNFCU Foundation in 2015UNFCU serving the people who serve the world 6
Make your moneywork for youUNFCU serving the people who serve the world 7
Organize your money by useMonthly &daily expensesSavingsChecking accountsUNFCU serving the people who serve the worldHigh-Yield Savings 8
CheckingHigh-Yield SavingsUnlimited free monthlyUp to six free transferstransfersper monthPremium rate on up toHigher rates with higher 15,000 (qualifications apply)balancesOverdraft optionsNo overdraft optionsBoth are federally insured to at least 250,000.UNFCU serving the people who serve the world 9
Modify your daily ATM withdrawal limit For your security, there is a daily ATM withdrawallimit on your UNFCU debit card Modify the limit using Digital Banking Save on ATM fees with fewer ATM withdrawalsUNFCU serving the people who serve the world 10
Share certificates Fixed term savings accounts with different timeperiods Higher rates with longer terms Federally insured to at least 250,000 Most need 500 minimum balance and do notallow additional deposits throughout the termUNFCU serving the people who serve the world 11
Simple Saver Share CertificateSTART SMALL, GROW BIG. 24-month term Open with 250 Add more money anytime 25 bonus available Digital Banking enrollment requiredUNFCU serving the people who serve the world 12
Open and manage accounts from homeUse Digital Banking to: Open savings and checking accounts Deposit checks in US dollars View your statements Transfer money Apply for loans or credit cards Make loan paymentsUNFCU serving the people who serve the world 13
Member Loyalty RewardsMember Loyalty RebatesSave up to 50/month on fees for: ATM withdrawals Wire transfers Savings overdraftMember Loyalty DividendsEarn more on your share certificate dividends.UNFCU serving the people who serve the world 14
Accounts for children under 18 Teach your children and grandchildren aboutmoney management Control their access to the moneyUNFCU serving the people who serve the world 15
Investment & insurance servicesUNFCU members have access to investment andinsurance services from our partners.Visit www.unfcu.org for more information.UNFCU serving the people who serve the world 16
Everyday purchasesUNFCU serving the people who serve the world 17
Debit CardCredit CardSpend only theSpend up to yourcash you have.credit limit. Earn reward points forevery dollar spent.No reward points Redeem points for cash,travel, and more.Limited liability, if stolen andZero liability, if stolen andnot reported immediatelyreported within 60 daysUNFCU serving the people who serve the world 18
Limit your contact with cards and machines All UNFCU cards have the contactless feature Upload your cards to the digital wallet of yourphoneUNFCU serving the people who serve the world 19
Manage your UNFCU cards on Digital BankingUNFCU serving the people who serve the world 20
Borrowing moneyUNFCU serving the people who serve the world 21
Loans to finance common needs Unsecured and secured loans Finance a big purchase or life event Build or buy a home Consolidate debt Purchase an automobile Pay for tuition and education expensesUNFCU serving the people who serve the world 22
Choosing the type of rate for your loanFixed RatesVariable RatesAfter introductory period,Rate does not changerate changes each monthPayment amountNumber of payments andwill not change.amount do not changeNumber of paymentsmay change.No pre-payment penaltyUNFCU serving the people who serve the world 23
Payment relief options for existing loansIf you have lost income due to COVID-19 andcannot pay your UNFCU loans, contact us.We can discuss payment relief options.If you are able to pay your loans on time, youshould do so. Timely payments can save youmoney in the long-term.UNFCU serving the people who serve the world 24
Planning aheadUNFCU serving the people who serve the world 25
Security tips Use extreme caution before sending money tosomeone you have not met. Do not open files or links you were not expecting. Install anti-virus software. Choose strong passwords. Change passwords often. Cover keypad when entering personal information.UNFCU serving the people who serve the world 26
A legacy for your loved ones Appoint beneficiaries on your UNFCU accounts. Assign a durable power of attorney. Open UNFCU accounts for your children.UNFCU serving the people who serve the world 27
ResourcesUNFCU serving the people who serve the world 28
UNFCU website: www.unfcu.orgUNFCU serving the people who serve the world 29
COVID-19 updates and informationwww.unfcu.org/COVID-19/UNFCU serving the people who serve the world 30
QsUNFCU serving the people who serve the worldVideos 31
Contact usEmail: genevaoffice@unfcu.comCall toll-free from Switzerland: 0800 897 860Call toll-free from France: 0800 90 2637Audio Skype: unfcu.skypeWebChatVisit us in personPalais des NationsBuilding E, Door 41UNFCU serving the people who serve the world 32
Thank you!Questions?UNFCU serving the people who serve the world 33
UNFCU serving the people who serve the world 18 Debit Card Credit Card Spend only the cash you have. Spend up to your credit limit. No reward points Earn reward points for every dollar spent. Redeem points for cash, travel, and more. Limited liability, if stolen and not reported immediat
