Turn Your Home's Equity Into Opportunity
Use Your Home’s Equity to Strengthen Your Finances
Owning a home is more than just putting down roots—it’s an opportunity to build equity and improve your long-term financial health. At Universal 1 Credit Union (U1), we believe that understanding how equity works—and how to use it strategically—can open the door to new possibilities.
Let’s explore how paying off your mortgage faster, using a home equity line of credit or loan, and refinancing at the right time can help you make the most of your investment.
Understanding Closing Costs
What You Need to Know
Buying a home is an exciting milestone, but it comes with more than just your down payment. When you “close” on your home, you’ll also need to pay closing costs—a collection of fees and expenses that make your mortgage official.
Home Refinance 101
Understanding the Benefits and Your Options
Thinking about refinancing your home? Whether you’re looking to lower your monthly payment, pay off your mortgage faster, or access your home’s equity for a major project, refinancing could be the right move.
Protect Yourself from Phone Spoofing Scams
Protect Yourself from Phone Spoofing Scams
At Universal 1 Credit Union, keeping your personal information safe is always our top priority. Unfortunately, phone spoofing scams have become more common, with fraudsters pretending to represent trusted organizations — including financial institutions. Their goal is to trick you into sharing personal or account information that could be used for identity theft or unauthorized access.
Here’s how to recognize and handle phone spoofing attempts to help protect yourself.
Smart Ways to Manage Your Finances During Ohio’s Winter Months
Simple Tips to Save on Winter Energy Costs
The winter months can be a stressful time for many, for several reasons. It can be hard to stay on top of expenses as heating bills quickly rise, Christmas spending adds up, and unexpected weather-related costs can pop up. Here are some ways to manage your finances during Ohio’s winter months.
Stay Safe Online
Cybersecurity Awareness
At Universal 1 Credit Union (U1), protecting your financial well-being goes beyond your accounts—it’s also about helping you safeguard your personal information online.
Don’t Be Fooled by Family Emergency Scams
Family Emergency Scams
At Universal 1 Credit Union (U1), your safety matters to us—and that includes protecting you from scams that tug at your heartstrings. One of the most common schemes we’re seeing today is the “family emergency scam.”