ConnectingU, Winter 14-15 Dec. 2014 | Page 3

Open your account today! ® UCU is here for your small business! UCU’s Member Business Services offers a complete array of business deposit and business loan products that complement the business endeavors of our members, and assist in their success. Whether you are looking for a new low-cost deposit relationship or a business line of credit, UCU can help! UCU offers free business checking with no minimum balance, no monthly service charge and user-friendly features such as online banking and unlimited check imaging. Business financing needs vary, and we have the products to meet your needs. We customize our financing packages for commercial real estate mortgages, term loans, and the ever necessary working capital line of credit. Additional resources include partnerships with SBA (US Small Business Administration), FAME (Finance Authority of Maine) and USDA Rural Development (US Department of Agriculture). Questions about UCU’s small business services? Jay Fortier, AVP of Member Business Services is happy to help! Call him at 207.889.9922 or email [email protected]! MEMBER BUSINESS SPOTLIGHT Brian Rahill, Founder & CEO of RainStorm, Inc. Orono, ME I began banking with University Credit Union 14 years ago when I was just starting RainStorm. Inc. from the spare room in our home. As my business has grown to include eight staff and clients nationwide, so have the services that UCU provides to my company. The personal, prompt attention from UCU has always been a key component of our long-standing relationship. I appreciate the ability to work with a local institution that understands my needs and works hard to meet them every day. Recently, when it came time to select a financial institution for our new startup company, UCU was an easy choice. RainStorm, Inc. is an award winning website development firm focused on providing advanced, custom WordPress websites for clients nationwide. Brian is also the founder of CourseStorm, a startup course marketing and registration company. (Published with permission from Brian Rahill). *Qualifications Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by University Credit Union as ATM or PINbased transactions and purchases made with non-University Credit Union issued debit cards. “Monthly Qualification Cycle” means a period beginning one (1) d ay prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s): Kasasa Cash: (1) Balances up to $10,000 receive APY* of 3.01%; and balances over $10,000 earn 0.25% interest rate on the portion of balance over $10,000, resulting in a range from 3.01% to 0.50% APY depending on the account’s balance. ATM Fee Reimbursements: You will receive reimbursements up to $25 ($5.00 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM fees of $5.00 or higher. When Kasasa Cash qualifications are not met ATM fees are not refunded and all balances in your Kasasa Cash account earn 0.05% APY*. Dividends and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of Statement Cycle. APY = Annual Percentage Yield. APYs accurate as of 12/01/2014. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, logons and other requirements apply. No minimum deposit is required to open the account. Monthly ACH credit, enrollment in online banking, receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Contact a University Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa, Kasasa Cash and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A.