UCT is a non-profit financial services membership organization. Our members make a difference by volunteering in local communities or by choosing UCT for their insurance needs – or both! UCT’s non-profit status means that instead of paying dividends to shareholders, our insurance operations help support members’ local community service efforts across the U.S. and Canada. UCT’s Coldwater Council 452 gives back to the Coldwater community by supporting causes and charities in our own backyard. We invite you to get involved and find out how good it feels to be part of the UCT difference. Coldwater Council 452 Meets on the 3rd Wednesday of every month.