Fourth Quarter 2025 CEO Letter

Dear member-owner,

The third quarter of 2025 has been a period of exciting change and renewed focus at University Credit Union. As summer winds down, we're welcoming back our university partners and their students, and with the new school year comes a fresh emphasis on financial well-being and security. We're proud to be your trusted partner on this journey, and I want to highlight a few key ways we're here to support you.

Starting the new school year strong
 

As a new academic year begins for the university communities we serve, we're focused on helping students, faculty, and their families manage their finances. For many students, this is their first time truly handling their own money. We are committed to providing educational resources and tools to help build a strong financial foundation. From setting up a first checking account to understanding the basics of budgeting, our team is ready to guide the next generation of leaders. Our blog or Youtube channel are great sources of independent study to improve financial knowledge and set yourself on a pathway for growth as the school year begins.

Rate cuts and the perspective ahead
 

As more rate cuts from the federal government look to be on the horizon to close out 2025, our team has developed a guide for member-owners to make the most out of this changing landscape, whether you’re a saver or a borrower, this new rates environment can provide you with an opportunity to improve your finances. Right now we are offering two great certificates that give you the flexibility to lock in your savings for short or long-term growth while rates fluctuate.

Stay safe, stay smart: Fraud awareness
 

In our increasingly digital world, financial fraud is a persistent threat. Scammers are constantly evolving their tactics, but with vigilance and awareness, you can protect yourself from common scams like phishing and impersonation.

To protect your accounts, regularly monitor your statements for any unusual activity and use strong, unique passwords for all your online accounts. If something seems off, trust your instincts and contact us directly at 800.UCU.4510.

Your money, on your terms: Digital banking made easy
 

Our digital banking platform is designed for your convenience and security. Whether you're checking your balance on the go or paying bills from your computer, you can manage your finances from anywhere, at any time.

The platform also provides features like real-time transaction alerts and the ability to freeze your card if it's lost or stolen, giving you greater control and peace of mind. We're constantly working to enhance our digital experience, making banking with us as seamless and secure as possible.

Certified experts ready to help
 

As a member-owner, you have access to a valuable free resource: one-on-one financial coaching. The majority of our team are Certified Credit Union Financial Counselors (CCUFCs), a specialized designation that ensures our staff has the skills and knowledge to guide you. These certified experts can assist with a wide range of topics, including:
 

• Creating a personalized budget and savings plan
• Developing strategies to pay down debt
• Understanding and improving your credit score
• Planning for major life events like buying a home or saving for retirement
   

Our goal is to help you achieve your financial goals, no matter how big or small. We encourage you to schedule a free, confidential session with one of our financial coaches to get a personalized plan.

Thank you for being a valued member-owner. Your financial health is our top priority.

Sincerely,

Estela Nagahashi
Interim Chief Executive Officer