Sign In Investments Investments Prepare to live your life to the fullest. Talk to an Expert Learn More Product Options ANNUITIES (FIXED & VARIABLE) An annuity is a contract that provides you with future payments, at scheduled time periods, in exchange for current premiums. Annuities are insurance-based, and you can choose between contracts that are either fixed or variable. MUTUAL FUNDS A mutual fund is a collection of stocks, bonds, or other securities purchased and managed by an investment company with funds from a group of investors (which could include you). The return and principal value of mutual funds fluctuate with changes in market conditions. The idea is to minimize your risk by investing in more than just one stock or bond. LIFE INSURANCE Life insurance is a way to provide for your loved ones after your death. By making regular payments to a company during your lifetime, you ensure that a specific sum is paid to your beneficiaries, after your passing. REIT (REAL ESTATE INVESTMENT TRUST) With a REIT (real estate investment trust), a group of investors combines their capital to purchase and manage income property and/or mortgage loans. Just like stocks, REIT’s are traded on major stock exchanges. STOCKS When you own a stock, you own part of a corporation —which is why stocks are commonly referred to as “shares” and stock owners are called “shareholders.” Corporations issue stocks to raise money, and these stocks are bought and sold on stock exchanges. BONDS In the simplest terms, a bond is a legal I.O.U. The party that issues the bond owes a debt to the party that holds the bond. Depending on the terms of the bond, the debt may include interest, and the bond holder may be required to repay the principal amount at a later date (known as the “maturity”). SOCIAL SECURITY MAXIMIZATION Our Social Security Timing® software analyzes everything… so you don’t have to. It compares every possible election strategy available to married couples, single people, divorced people, widows, government employees and even those who have already elected and generates a full report, incorporating multiple possible ages of death, cost of living adjustments, including claiming instructions, cash flow report, income gap report, and more. Curtis R. Willardson, David E. Palmer, Daniel O. Palmer, and Travis Morgan are Registered Representatives offering securities through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRA/SIPC. Curtis R. Willardson, Daniel O. Palmer, and Travis Morgan offer Advisory Services through Cetera Advisor Networks LLC, a broker/dealer and a registered investment adviser. Cetera is under separate ownership from any other named entity. Insurance products are offered through Cetera, or its licensed affiliates. Utah Community Credit Union is not registered as a broker-dealer or investment advisor. Registered representatives of Cetera may also be employees of Utah Community Credit Union. Securities and insurance products and services are being offered through Cetera or its affiliates, which are separate entities from, and not affiliates of, Utah Community Credit Union. Securities and insurance offered through Cetera or its affiliates are: Not Insured by NCUA or Any Other Government Agency/ Not Utah Community Credit Union Guaranteed / Not Utah Community Credit Union Deposits or Obligations/ May Lose Value Learn More Related Services Retirement Determine the amount of money you need – or want – for retirement, then create and execute a sound plan. Estate Planning Ensure that when the time comes, your healthcare wishes and asset distribution are followed exactly the way you choose. Insurance Protect what matters most. Helpful Information Glossary Understand the different terms you’ll encounter in your financial journey. Statements & Tax Documents All the statements and documents you need to be organized in one place. We’re here to help Call or Text (801) 223-8188 Mon – Fri: 8:00am – 6:00pm Sat: 9:00am – 2:00pm Send an Email support@uccu.com Or send us a message from inside online banking. Stop by a Branch Find a Location Call us today: (801) 223-8188 Useful Links Become a Member Rates Loan Applications Loan Calculators Fee Schedule About Us About Us Community Blog Board of Directors Press Releases Careers Donations & Sponsorships Download on the App Store Get it on Google Play Routing Number: 324377820 Online Privacy Disclosure Membership and Account Disclosures Help Report Fraud Holiday Closures Contact Contact Us Hours Branch/ATM Locations NMLS ID 407653 Utah Community Credit Union, PO Box 1900, Provo, Utah 84603-1900, 1 (800) 453-8188. All Rights Reserved. Utah Community Federal Credit Union does business as (DBA) Utah Community Credit Union. Unauthorized account access or use is not permitted and may constitute a crime punishable by law.