Simplify Your Finances

When you hear the word “finances,” how do you feel? If the answer is stressed, overwhelmed, or confused, you are not alone. Utah Community Credit Union has tools that our members can use to make finances simple. We help take the stress out and simplify your finances. And here are just 3 ways we do that:

UCCU Mobile App

The UCCU Mobile App contains many tools to help you bank better, and utilizing these tools can save you both time and money.

Learn and Earn is one of the services on the UCCU mobile app. Similar to DuoLingo, Learn and Earn is a program that rewards you for learning about finances! All you have to do is complete modules and objectives to earn points, and then use those points to buy gift cards in the marketplace. Some examples of these gift cards are Apple, Nike, Starbucks, and Amazon.

Not only will you be gaining crucial knowledge for your financial health, but you will be rewarding yourself with saving money on your favorite places!

Another valuable feature on the mobile app is 360-View Financial Aggregation. Simply link your UCCU accounts with your non-UCCU accounts to see a 360-degree view of all your assets and liabilities at once: mortgages, credit cards, auto loans, and more.

This secure feature allows you to have all of your balances in one place, giving you the relief of knowing exactly where your money is and how much you have of it.

The mobile app also has an abundance of Financial Tools, including a spending, budget, net worth, and debt feature. This helps you keep tabs on where your money is going.

These are just a few of the amazing tools available to UCCU members. Get the mobile app to start using these tools!

Credit Score Toolbox

The Credit Score Toolbox (available online and in app) allows you to see your credit score at any time and how well you are doing in each of the 5 categories making up your score. You can also see your credit report.

Another feature of this tool is the credit goal feature. This allows you to create a goal of what you want your credit score to be after a certain period of time. For example, if you have a credit score of 680 and want it to be 730 by next year, this feature tracks your goal and gives you recommendations on how to reach it.

Lastly, the Credit Score Toolbox contains a simulator tool. If you plan on getting a new credit card, applying for a loan, increasing your credit limit or balance, or missing a monthly payment on a bill, you can input that action into this simulator and see how it will change your score.

This tool gives you a clear picture of your credit health, which can impact different situations in your life, such as buying a house or even getting employed. Take control of your credit.

Savings Goals

Saving money can be a constant battle in life. Things happen and life changes, and saving becomes difficult sometimes. But UCCU Savings Goals change that.

This feature is user-friendly and can be completely personalized to you. Savings Goals seamlessly integrate with your UCCU account, empowering you to automate your savings right from your mobile app or online banking homepage.

Once started, each Savings Goal becomes a unique UCCU savings account that will show you how much you need to save to reach your target. With just a few simple steps, you can set up recurring deposits or transfers from your checking account to your savings goal. By automating your savings, you eliminate the risk of forgetting to save or getting tempted to spend your hard-earned money impulsively.

The customization options within Savings Goals allow you to set the frequency and amount of your transfers according to your financial situation and goals. Whether you prefer weekly, biweekly, or monthly contributions, you have complete control over how you want to save. Additionally, you can adjust the amount based on your budget and the timeline you’ve set for achieving your goal.

As you put money toward your goal, the icons will change color based on how far along you are until finally, they turn green. This process is not only easy and simple, but encouraging.