Credit Union Services

Loans

Types of loans available:

• New Vehicle Loan (auto, truck, van, motorcycle, boat or recreational vehicle)
• Used Vehicle Loan (auto, truck, van, motorcycle, boat or recreational vehicle)
• Personal Loan
• Home Improvement Loan
• Debt Consolidation Loan
• Visa Credit Card (no annual fee, no cash advance fee, no transfer fee)
• Overdraft Line-of-Credit (overdraft protection for checking account)

Advantages:

• Low interest rate
• Quick credit decision
• Flexible repayment terms
• Automatic repayment from your savings account or checking account available
• No penalty for early repayment

Accounts

Regular Savings:

• Our basic savings account
• Competitive rate paid on balances of $100 or more
• No monthly service charge
• Minimum opening deposit is $5

Club Savings:

• Save for holiday spending, a vacation, or any purpose
• Competitive rate paid on balances of $100 or more
• No monthly service charge
• Minimum opening deposit is $5

Money Market Savings:

• Higher rate paid than on a regular savings account
• Our three tiers reward you for keeping higher balances
• No monthly service charge
• Minimum opening deposit is $2,500

Certificates:

• Receive a competitive rate on the term you choose
• The rate is locked in for the term of the certificate
• Terms ranging from 6 months to 36 months available
• Minimum deposit is only $500

Checking:

• Our checking account has no minimum balance requirement
• No monthly service charge
• No per check charge
• Online Banking available
• Electronic Bill Payment available
• Overdraft protection available
• Minimum opening deposit is $25

Individual Retirement (IRA):

• IRA accounts provide an excellent way for you to save for your retirement
• We offer both Roth IRA accounts and Traditional IRA accounts
• Minimum opening deposit for an IRA savings account is $25
• Minimum deposit for an IRA Certificate account is $500

Other Services

Direct Deposit/Payroll Deduction:

• With direct deposit your paycheck, pension check, social security check, and many other types of checks can be automatically deposited to your account
• With payroll deduction you can have a portion of your paycheck automatically deposited to your account

ATM Card:

• With your card, you can access your checking account or savings account at thousands of ATMs nationwide
• Make withdrawals, transfers, balance inquiries, and more

Online Banking:

• Lets you access your accounts 24 hours a day, 7 days a week, via the internet
• Get account balances, check account activity, transfer funds between your accounts, and much more

Audio Response:

• Lets you access your accounts 24 hours a day, 7 days a week, with a touch tone telephone
• Get account balances, check account activity, transfer funds between your accounts, and much more

Electronic Bill Payment:

• Electronic Bill Payment simplifies the bill paying process
• It offers you the ability to pay all of your bills from one easy to use site
• You can schedule recurring payments to be made automatically; you can make a single payment to anyone at any time, and much more