Winter 2016 Newsletter

UVA Community Credit Union
I Luv My Credit Union

Winter 2016 - In This Issue

Our Community: Year In Review

Announcements: We Have the Loan for You!

Did You Know? Overdraft Privilege and more

How-to Tips: Protect Your Business

Lion Nation Reopens

Our Community

Letter to Member-Owners from the President/CEO

Alison Year in Review 2015

The UVA Community Credit Union has always been defined by its focus on community. The credit union itself is a community, a community of members who have pooled their resources for the common good. As our members use credit union financial tools and information to realize their personal goals- whether it's buying a house, sending a child to college, or building a business - the greater communities in which they live and work benefit. 

Serving Continuous Communities

Our emphasis on communities shaped a number of initiatives we undertook in 2015, our 61st year. Foremost among them was our decision to apply to the State Corporation Commission (SCC) to extend our field of membership to include Culpeper, Fauquier, and Rappahannock counties. The SCC granted our request in December, setting the stage for Northern Piedmont Federal Credit Union in Fauquier to merge with us in February 2016. As a result we will be able to provide more convenient services to a continuous community that includes our existing members in Madison and Orange.

We also took a number of steps to expand our services to the younger members of our communities. In March, we opened our PVCC Campus Branch, a student-run program, at Piedmont Virginia Community College and in August, our Lion Nation student-run branch reopened in the cafeteria in the new Louisa County High School. We now have three student-run branches in addition to our 12 full service branches.

Even More Responsive Service

Focusing on communities means finding ever-more responsive ways to address the needs of our members. In December, we joined the CO-OP Shared Branch program, which allows members to conduct transactions at over 5,000 participating credit unions across the United States. We introduced the HomeAdvantage™ mortgage referral program, which makes buying or selling a home a one-stop process and provides significant rebates that can be applied to closing costs. And we partnered with local auto dealers to host on-location car sales throughout the year, making it easier for members to take advantage of our low-cost auto loans.

Finally, we launched a new overdraft option - Overdraft Privilege - that extends overdraft protection to everyday debit card transactions and ATM transactions.

Engaging and Informing

Thanks to our free education seminars, the credit union continues to be an important source of trustworthy financial information to the citizens of our local communities. We've also added video tutorials about online banking features to the Support Library section of our website.

In 2015, we expanded our use of social media with Facebook, Twitter, and YouTube to extend our reach even farther. We post financial education information and industry updates while highlighting community activities that the credit union sponsors. A good example is our annual scholarship program for students who attend public high schools in our field of membership.

We also provide services that benefit the community as a whole. As a member of the Thomas Jefferson Earned Income Tax Credit Coalition, we offer free tax preparation at six branches for qualifying members of the community depending on their income.

We're Happy to Be Able to Serve

As we close the books on 2015, I would like to take a moment to express my appreciation for our staff and our volunteer Board of Directors. Their dedication to the ideals of the credit union is a source of great inspiration. 

And I would also like to thank our members. It is because of your commitment to the credit union that we are able to strengthen the communities in which we all live and work.

Alison DeTuncq

We have a loan for you!


We have the loan for you! See our lending specials!

UVA Community Credit Union offers a variety of loans, with competitive interest rates and easy repayment terms.

VISA Balance Transfer Promotion
Save Money: Transfer Your Balance to a Card With a Lower Rate!

3.99% APR* - Platinum Credit Card Balance Transfer Rate 

Get a low rate through the end of 2016! No balance transfer fee.
No unpleasant surprises. Offer ends February 29, 2016. Learn more.

Ready for Anything Home Equity Line of Credit!

Home Equity 1.99% Introductory RateVacations, Home Updates, Weddings, Tuition
12-month Introductory Rate of 2.24% APR
Current Variable Rate 3.75% APR
Learn more.



Swap N' Drop
Swap and Save Money Now!

Swap your existing auto loan to us and we'll drop your rate by up to 2%. Find out how much you can save by switching your non-credit union loan to us! Learn more.


Home AdvantageVisit our Real Estate Center and learn about our HomeAdvantage program - your one-stop resource for buying or selling your home. You can search for homes, find a realtor, and earn a rebate toward closing costs.

Check back for more lending specials!

Internation Credit Union Day

Did You Know?

You can choose Overdraft Privilege for those unexpected overdrafts.

Overdraft Protection

Life happens! UVA Community Credit Union understands that unexpected overdrafts occur from time to time - overdraft coverage through Overdraft Protection and Overdraft Privilege can help.

Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from your UVA Community Credit Union savings account at $5.00 per credit-union-initiated transfer, or from a UVA Community Credit Union line of credit for a finance charge. Please note that overdraft lines of credit are subject to credit approval.

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for an Overdraft (Paid NSF) Fee* in order to pay a transaction. Standard Coverage includes checks, ACH (automatic debits), recurring debit card transactions, online bill pay items, and teller transactions. You can also choose Extended Coverage, which includes ATM and everyday debit card transactions. 

For more information visit our Overdraft Protection page or call 434-964-2001.

Did you know we have mobile banking for mobile living?     

  • Deposit checks
  • Transfer money to family and friends
  • Check balances and transactions
  • Pay bills
  • Find the nearest branch or ATM

Download our app today!

Here’s Our Holiday Schedule for 2016!

The credit union will be closed on the following days:

New Year's Day January 1
Martin Luther King Jr. Day January 18
Presidents' Day February 15
Memorial Day May 30
Independence Day July 4
Labor Day September 5
Columbus Day October 10
Veterans Day November 11
Thanksgiving Day November 24
Christmas Day December 26


New Name, Address, Phone Number or Email?

There are times when it’s absolutely vital that we be able to reach you. Keep us posted on changes in your life by updating your account information online within Online Banking, in person at any branch, or by mail to 3300 Berkmar Drive, Charlottesville, VA 22901.

Annual privacy policy notice:

Federal law requires us to tell you how we collect, share, and protect your personal information. Our privacy policy has not changed and you may review it and our practices regarding your personal information online or call us
at 434-964-2001 or 888-887-9136 if you would like a free copy mailed to you.



How-To Tips provided by Member Wealth Management

Protect Your Business

As a business owner, you know being prepared for anything is part of who you are. If one thing is certain today, it's that you can't be certain about what will happen tomorrow. You can, however, be certain that you've taken action to help protect yourself and your business from the unexpected.

Think about what would happen to your business if you, your business partner, or a key employee were to unexpectedly die or become too sick or injured to work. There's no doubt that this would have a tremendous impact on your business and its continued success. But there's good news: this is something you can plan for.

Having the foresight to protect your business against the loss of an owner or an essential employee - perhaps the company's most valuable asset - can mean the difference between business as usual or closing up shop. Just as you would insure your business property, you should also consider insuring the people who have the biggest impact on your company's success. We can help with business planning strategies that are designed to protect your business from the unexpected and help ensure the business you've worked so hard to build withstands the test of time.

Consider a few of the following options to help protect your business:

Disability Income Insurance
Most likely, your company has already taken the appropriate steps to protect the business in the event of the death of an owner or partner. But have you protected the business in the event of a more common scenario - an owner's or partner's long-term disability?

Life Insurance
Learn how life insurance can help you protect your business from the unexpected death of a key employee.

To make an appointment with a Members Wealth Management representative, call Dana Esposito, program coordinator, at 434-964-2001, ext 3074 today.

The information in this article is not intended as tax or legal advice, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek tax or legal advice from an independent professional advisor.


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. Member Wealth Management is not a subsidiary or affiliate of MML Investors Services, LLC or its affiliated companies.



* The $32.00 Overdraft (Paid NSF) Fee is the same fee amount that is charged if a check is returned as unpaid. If multiple items overdraw your account on the same day, each item will be assessed an appropriate Overdraft (Paid NSF) Fee or a Returned Item (NSF) Fee of $28.00. Overdraft Privilege is not a line of credit; it is a discretionary overdraft service that can be withdrawn at any time without prior notice. Overdraft Privilege may be discontinued if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within thirty-two (32) days for a minimum of one business day.

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