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Separating from the UN FAQs

At UNFCU, your membership moves with you through life’s transitions and across borders. Whether you are retiring, pursuing another opportunity, or navigating an unexpected change in employment, our commitment to supporting you remains unwavering. 

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Membership

Yes, members of the UN community are always welcome to remain at UNFCU following relocation, separation, retirement, and other life events. Once a member, always a member. 

Your membership may only be closed if you withdraw all funds in your UNFCU account(s), including your Membership Share. If you move to a sanctioned country or are a national of certain sanctioned countries, your accounts may become subject to restrictions. These restrictions apply once you leave the UN for any reason other than retirement. If you know these sanctions apply to your country, please be sure to manage your accounts before separating from the UN prior to reaching full retirement age. 

Please take a moment to update your profile with your non-UN email address and any new mailing address and/or telephone number(s). We use the information in your profile to send you important updates and to confirm your identity when you contact us. UNFCU protects all of its members’ personal information according to our Privacy Policy, regardless of UN employment status. 

If you have an outstanding balance on one or more UNFCU unsecured loans, please also complete the UN Separation Update form: 

  • Sign in to Digital Banking. 
  • Under Online Forms, select UN Separation Update Form. 

This form allows you to confirm how you will be able to pay the remaining loan balance. 

No, you can keep your accounts wherever life may take you. If you move to a sanctioned country, your accounts may become subject to restrictions.  

Please remember to update your contact details using Digital Banking, if you relocate to another country. 

No. You will continue to have global access to your accounts at any time. Your accounts may become blocked or have restrictions placed on them if: 

  • You default on making your loan payments; or 
  • You move to a sanctioned country or are a national of certain sanctioned countries; or 
  • You cease to be a member in good standing. 

Deposits

Your money is very secure at UNFCU. We have been a secure and stable financial institution for over 75 years. Our senior management team ensures that we are always financially secure and resilient to changing economic and market conditions. Additionally, the money you deposit with us is insured to at least $250,000. 

Yes. Explore secure transfer options available in Digital Banking.  

If you receive your severance package or final entitlements in euros or pounds sterling, you may be able to make deposits with no UNFCU fees using a foreign currency transfer ID. 

If you receive a pension, you can also set up automatic payroll deposits to your UNFCU checking or savings account.  

Yes. UNFCU does not charge a fee for incoming wires, but we can only accept deposits in US dollars (USD). Any transfers sent in another currency must be converted to USD. The conversion can be done by the financial institution sending the money, or by their partners involved in the transfer.

If your other financial institution is located in the US, you can also set up external transfers.

You have multiple options to access and transfer your money globally. Make secure transfers in Digital Banking, withdraw money at ATMs, or write a check to deposit at your local bank. You can continue to use your UNFCU account(s) as you always have. 

Yes. Start by checking whether your new employer offers payroll deposit. If not, you can set up transfers in US dollars or other currencies. If you are paid in euros or pounds sterling, you may be able to create a foreign currency transfer ID. You can continue to use your UNFCU accounts as you always have. 

Investments

Though UNFCU does not provide investment services, we can direct you to a third party investment provider that offers managed investment portfolios or brokerage accounts globally. To connect with a third party investment provider:  

  • Sign in to Digital Banking. 
  • On the My Accounts page, scroll down to the Investments section. 
  • Select Start here. 

Loans

Depending on the country in which you work and the currency you earn, you may be eligible for unsecured loans. Learn more about eligibility for unsecured loans. If you have at least $500 in your UNFCU savings or share certificate account, you are eligible for our secured with deposit loan, which uses the money in your account as collateral for the loan. 

Your loan will remain active, and you will still be responsible for paying any outstanding balance. To reduce the amount you owe, we will apply some or all of your final entitlements to the loan balance, as you authorized at the start of your loan. Final entitlements include any annual leave due, termination indemnity, and any other additional payments due, but not your actual salary or your pension. 

If you have an outstanding balance on one or more UNFCU unsecured loans, please complete the UN Separation Update form: 

  • Sign in to Digital Banking. 
  • Under Online Forms, select UN Separation Update Form. 

This form allows you to confirm how you will be able to pay the remaining loan balance. 

We understand that changes in employment can be challenging. If you would like to discuss repayment options, please contact us directly at collections@unfcu.com. We are committed to helping you make the best decision for your financial situation. 

 

Yes, we offer a loan payment deferment of up to three (3) months. You can qualify if: 

  • Your loan has been active for at least 12 months, and  
  • You have not used a deferment on this loan before.  

You may be asked to provide evidence of your ability to resume payments after the deferment period has expired. If you would like to discuss repayment options, please contact us directly at collections@unfcu.com. We are committed to helping you make the best decision for your financial situation. 

No. UNFCU does not offer insurance coverage for loss of employment. 

You have multiple options for receiving money from another financial institution into your UNFCU account, including wire transfers and foreign currency transfers. 

Yes, it is your decision if you wish to transfer your pension to pay your outstanding loan amount. Please know that your pension remains fully under your control.  

If you have already secured new employment within the United Nations system, please provide us with a copy of your new employment contract. We will then review it to determine whether or not we need to apply your final entitlements to your loan balance. 

Yes. With any change in employment or income source, we ask that you inform us and update your information within your Digital Banking profile. Proof of your new income, such as a business registration or contract, will allow us to update your records accordingly. 

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Disclosures

Check the background of Copper Financial and your financial professional on FINRA's BrokerCheck. 

UNFCU Advisors LLC (“UNFCUA”) is a wholly-owned subsidiary of United Nations Federal Credit Union (UNFCU). For information about UNFCUA — including information pertaining to its registration status — or to request a Form ADV disclosure brochure, please contact UNFCUA or refer to the Investment Adviser Public Disclosure website (adviserinfo.sec.gov). Investments are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of UNFCU or UNFCUA, and may involve investment risk, including possible loss of principal. 

UNFCU does not provide investment services. Investment services such as advisory and brokerage services are provided by third party investment providers. Please note that representatives of third party investment providers are not affiliated with or employed by UNFCU or UNFCUA. The third party investment providers pay a fee to UNFCU for connecting them with our members. 

Securities and advisory services offered through Copper Financial Network, LLC (“Copper Financial”), a broker-dealer and SEC registered investment adviser. Member FINRA/ SIPC. United Nations Federal Credit Union (“UNFCU”) has contracted with Copper Financial to make non-deposit investment products and services available to its members. Representatives are registered with Copper Financial. UNFCU is not a broker-dealer or investment adviser and is not affiliated with Copper Financial. Copper Financial is also not affiliated with UNFCU Advisors, LLC. All Copper Financial written communications, forms, and literature are required to be in English. 

Not all Copper Financial services and products, including brokerage accounts, are available in all locations. Copper Financial accounts are subject to the fees outlined in the applicable Advisory Brochure, Regulation Best Interest Disclosure and/or Brokerage Fee Schedule available here. Proof of residency, visa, or permanent resident status, and/or employment required. If your residency or status changes you may be required to close your account with Copper Financial. 

Copper Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. 

For important disclosures from Copper Financial, including our Customer Relationship Summary, please click here. 

Products offered by Copper Financial: are not deposits; are not NCUA NCUSIF or otherwise federally insured; are not Credit Union guaranteed; may lose value.

Copper Financial Network, LLC (“Copper Financial”) has an agreement with United Nations Federal Credit Union (“UNFCU”) whereby Copper Financial offers investment products and services to members of UNFCU that are referred to Copper Financial by UNFCU or its affiliates. UNFCU and its affiliates are not clients of Copper Financial. In exchange for the referrals from UNFCU and its affiliates, Copper Financial pays UNFCU a referral fee, which represents a portion of the commissions and fees generated from investment advisory accounts, brokerage accounts, and insurance contracts opened and maintained by members of UNFCU. The referral fee is paid to UNFCU as long as your accounts are open with Copper Financial and UNFCU and Copper Financial maintain their agreement. Contact compliance@cu.financial to obtain the specific range of the referral fee paid by Copper Financial to UNFCU. The financial professional who recommends investment products and services to you is an employee of Copper Financial and the amount of compensation the financial professional receives is determined by Copper Financial. 

The payment of referral fees by Copper Financial to UNFCU creates a conflict of interest by incentivizing UNFCU and its affiliates to make referrals to Copper Financial. UNFCU receives the same referral fee from Copper Financial regardless of the type of account or investment you hold with Copper Financial.