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Newsletter: Third Quarter 2023

Your Credit Union Newsletter: Third Quarter 2023

UVA Community Credit Union LogoUVA Community Credit Union Logo


Cop smiling and laughing with two children.

Hometown Heroes Mortgage

Helping local heroes buy a home in the community they serve.  

Our Hometown Heroes Mortgage is our way of saying thank you to our local heroes in the education, medical, fire and rescue, law enforcement, and military fields. Benefits include no down payment, up to 100% financing, and affordable mortgage insurance.


Man holding son on his shoulders - Son has soccer ball in his hands.

Simplify & Save

Introducing Our Best Credit Card Offer! 

Savings options available for both new and existing cardholders!

  • 0% APR* on balance transfers (12 billing cycles) 
  • 0% APR1 on qualified purchases (6 billing cycles) 

After, 12.74%-20.46% APR1 applies.

Simplify your life by making it easier to save on the things you enjoy.


Certificate Laddering - Climbing a ladder in the clouds.

Certificate Laddering Can Offer Even Better

Long Term Savings!

Certificates offer higher and reliable rates of returns on your deposits. By investing in multiple Certificates for varying lengths of time, and reinvesting your earnings at maturity, you can gain some serious savings in the long run. If you are looking for an effective way to earn more on your savings, consider using a certificate ladder approach. There is little to no risk compared to investing in other forms of savings that are associated with the stock market.



Older couple riding a bike together.

How Taxes Impact your Retirement-Income Strategy2 

Retirees face several unique challenges when managing their income, particularly when it comes to taxes. From understanding how taxes relate to Social Security and Medicare to determining when to tap taxable and tax-advantaged accounts, individuals must juggle a complicated mix of factors.



  • Working together to strengthen the financial wellness of our members and local community.We work together to strengthen the financial wellness of our members and local community.

All loans subject to credit approval. Other restrictions may apply. Membership eligibility required. Minimum ongoing balance of $5 is required in a UVA Community Credit Union Share Savings Account. A one-time $5 membership fee may apply. Equal Housing Opportunity. Federally insured by NCUA.
1APR = Annual Percentage Rate. Offer not valid on Business Credit Cards. 0% APR introductory balance transfer offer good on balance transfers made from 6/1/2023-7/31/2023. Offer good on non-UVACCU loan/credit card transfers only. Introductory rate on eligible balance transfers made within the promotional period is applied for 12 billing cycles. A 4.00% fee applies to all balance transfers. UVA Community Credit Union reserves the right to decline any balance transfer request.
0% APR introductory rate for purchases for 6 billing cycles after account opening on new UVACCU cards opened from 6/1/2023-7/31/2023. 0% APR on purchases on existing cards is for 6 billing cycles commencing 6/1/2023-11/30/2023. Not valid on cash advances. Foreign transaction fees may apply.
After the promotional period, the introductory APRs will convert to an ongoing variable rate. As of 6/21/2023 rates are 14.49%-19.49% APR for Member Rewards card, 12.74%-17.74% APR for Platinum cards, and 13.49% to 18.49% APR for Gold cards (existing members only) based on the Prime Rate. The non-variable Classic Card will revert to 13.46%-20.46% APR based on your creditworthiness. Existing cards will revert to their standard interest rate. Foreign transaction fees may apply.
2This information is not intended as tax, legal, investment, or retirement advice or recommendations, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek guidance from an independent tax or legal professional. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. This material was written and prepared by Broadridge Advisor Solutions. © 2022 Broadridge Financial Solutions, Inc.
Securities, Investment Advisory and Financial Planning services offered through qualified registered representatives of MML Investors Services, LLC, Member SIPC: 222 Central Park Ave Suite 1100 Virginia Beach VA 23462 (757) 490-9041. Call: (757) 490-9041.
Member Wealth Management is not a subsidiary or affiliate of MML Investors Services, LLC or its affiliated companies.
We have individuals licensed to sell insurance products in the following jurisdictions: DC, DE, GA, MD, NC, NJ, OH, RI, TX, UT, VA, WA. We have individuals registered to offer securities in the following jurisdictions: DC, DE, GA, MD, NC, NJ, OH, RI, TX, UT, VA, WA.

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