Get Mortgage Rates While on the Go

Our mortgage rate quote feature that is part of our Home Loans site is now available on our mobile site. Just go to m.uwcu.org in your mobile browser to get a rate quote anytime, anywhere--look for the Home Loan Rates link.

Along with the rate for your particular situation, you'll also be able to see fees, your estimated monthly payment and closing costs.

Finally, when you view the details for a particular loan product, you can send the details to your email or to share it with someone else.

Account Nicknaming Available for Credit Cards and Mortgages

We've had account nicknaming available for years on deposit and loan accounts. Unfortunately, it took a bit more work to get nicknames working for credit cards and mortgages on Web Branch. That functionality is now available.

Just click on the Account Visibility & Nicknames link available under each account section to add or edit your account nicknames.

Transaction Splitting Now Available in Money Management Tools

We've made transaction splitting available in Money Management Tools. This is useful when you go to a store where you can buy anything from groceries to automotive supplies. In the past, you were required to pick one category for the entire transaction which didn't represent how you actually spent your money. Now you can break the transaction into separate ones, each for its own amount, and assign separate categories.

To do this, click on an item to edit the item details, on the left, you'll notice a new button that says Split This Item. A new screen will appear giving you the option to break the item into multiple categories. As you type new amounts, the system will automatically calculate what is left so the total matches the original transaction. You can split the transaction into as many categories as you'd like. When you are finished, click save. You'll notice you now have two transactions with small arrows to the left of the description. This shows that it these are now split versions of one transaction.

To undo a split, click on one of the split items to edit its details. You'll see the Split This Item button has changed to This is a Split Item. Clicking that button will bring you back to the splitting screen. Just click the X next to the rows you want to delete. The amount is added back into the last category listed.

You can also access the split functionality at the bottom of the main categories drop-down menu. It is located right above the Manage Categories item.

One thing to note, you should split your transactions prior to applying any notes or labels. Once the item is split, the new items act as separate transactions so you can apply separate notes or labels to them in addition to separate categories.

Customize Categories in Money Management Tools

When we launched Money Management Tools, we allowed you to add your own subcategories. But what about being able to add new top level categories and hide our default categories?

Now you can. We've added the ability to add your own top level categories. In addition, you can hide existing top-level categories and subcategories if you don't intend to use them. Hidden categories can easily be restored later if you find a need for them.

All of this can be done from the Categories section under Settings in account history.

See Pending Debit Card Transactions on Web Branch

Starting today, you are able to see your pending debit card transactions on Web Branch. When you look at your checking account history, transactions you've made, but have yet to post to your account, will appear at the top of your history.

These items will have the word Authorized under the category column. You'll be able to assign a real category (or one will auto-assign) when the actual transaction posts to your account in 1-2 business days. The latest date the authorization will expire is next to the description of the transaction (it could expire sooner).

The authorized transactions amounts will be taken out of your available balance so you'll have a better sense of how much money you actually have. You can see this in the balance column. In the future, we'll add additional pending items like transfers and Web Payments to this area to provide additional insight into your "true balance."

If you don't like this feature, it can be easily hidden by clicking on the X in the top right of the pending items section.