Services
The perfect Gift for that special someone. American Express Gift Cheques are safer than cash, and more versatile than a gift certificate, because they can be used to buy virtually anything, virtually anywhere.
- Available in $25, $50 and $100 denominations.
- Refundable if lost or stolen to either the purchaser or recipient.
Going on a trip? American Express Travelers Cheques are accepted worldwide, and are safer than carrying cash.
- Available in $20, $50 and $100 denominations.
- Available in one or two signature cheques.
- One signature cheques are free to credit union members.
- Refundable if lost or stolen.
Safe and convenient for checking account balances, cleared checks or electronic transactions (ie: ATM, Check Card, Direct Deposit or Automatic Debits), the Audio Response System can also be used to transfer funds between your accounts anytime.
- Multiple account access available by request.
Still rushing to a bank or credit union to deposit your payroll check? Sign up for Direct Deposit and enjoy the convenience of having your payroll, or just part of it, deposited electronically to your accounts.
- Just ask a credit union staff member to help set it up with your employer.
Need to make a payment and a personal check just won’t do? A Credit Union Money Order is a convenient and acceptable method of payment for virtually anything.
- Can be made out for any amount up to $1,000.00
- Only a $1.00 fee per money order
Tired of standing at the teller line to make loan payments and Holiday Club deposits? If you are receiving Direct Deposit, let us set up automatic payments and transfers initiated by your Direct Deposited payroll.
- Eliminate the need to write that monthly check for your credit union loan payment
- Sign up for Payroll Deduction when applying for your next credit union loan and receive an additional 0.50% off on the interest rate.
For purchasing, or withdrawing from the ATM, the credit union VISA Check Card is an easy and convenient way to access you money and make payment without having to write a check.
- At Point of Sales (POS) by choosing the ATM or Debit Option on the card terminal at the store register and entering your Personal Identification Number (PIN)
- Like a Credit Card anywhere VISA is accepted by choosing the credit option and signing the transaction slip.
- No annual fees
- No per transaction fees
- Avoid additional ATM “Machine” fees by using those that belong to the SUM Network.
Lending
Looking to buy a new car? A low interest credit union Auto Loan with the manufacturers rebate will often save you more than 0.00% manufacturer financing. Call the credit union and compare, before you go to the buy.
- 100% financing available on qualified vehicles
- 90% financing on new autos up to $75,000 and up to 72 months
- Take an additional 1.00% off the rate for re-payment through payroll deduction.
- No late fees, and no early pay off penalties
- Pre-Approval is available
Looking to buy a used car? Low credit union rates and available terms can make that car even more affordable. Call the credit union to discuss your options.
- 90% financing based on the N.A.D.A. book value on all used auto loans
- Loan terms up to 60 months
- Take an additional 1.00% off the rate for re-payment through payroll deduction.
- No late fees, and no early pay off penalties
- Pre-Approval is available
If the idea of hitting the open road on a motorcycle has always been a dream of yours, then the credit union can help you finance that dream. New or used you decide and we will do the rest.
- 80% financing available on all New and Used motorcycles (Used vehicle value based on N.A.D.A. book value).
- Finance up to $20,000 for up to 48 months.
- Take an additional 1.00% off the rate for re-payment through payroll deduction.
- No late fees, and no early pay off penalties
- Pre-Approval is available
Is a Recreational Vehicle something that will put the fun back into your life? Let the credit union help you finance it so you can start having fun right away.
- 100% financing and up to 120 month terms available for qualified borrowers
- Used vehicle value based on N.A.D.A book value.
- Take an additional 1.00% off the rate for re-payment through payroll deduction.
- No late fees, and no early pay off penalties
- Pre-Approval is available
The cost of a college education can seem very intimidating and federal loan programs can seem just as intimidating. Our Educational Loan program offers ease and flexibility for financing your continuing education.
- Maximum loan limit is $10,000 for up to 48 months. Individual loan limit is subject to approval.
- Request an advance at any time.
- 100% of loan proceeds made out directly to the school
- $10.00 Application Fee – (Application is good for four (4) years)
- Take an additional 1.00% off the rate for re-payment through payroll deduction.
- No late fees, and no early pay off penalties
If you have equity in your home, then why not use it to finance that home project that needs to be done, pay off those high interest credit cards, or buy that large ticket item you’ve had your eye on. A credit union Fixed Rate Home Equity can be used for any of these, and the interest paid is tax deductible.
- Finance up to 80% Loan to value (80% of the accessed value of your home less your first mortgage).
- Finance between $10,000 and $75,000 for 5, 10 or 15 years.
- $100 Document processing fee refunded at loan signing.
- Take an additional 0.50% off the rate for re-payment through payroll deduction.
- No late fees, and no early pay off penalties
- We are an equal housing lender.
Credit card debt got you down. Pay off those high interest credit cards with our Rate Buster Loan. Just fill out an application and upon approval give us your credit card bills, and we do the rest.
- Loan is for payoff of existing debt only.
- Maximum loan limit is $10,000 for up to 48 months.
- Individual loan limit is subject to approval.
- Take an additional 1.00% off the rate for re-payment through payroll deduction.
- No late fees, and no early pay off penalties
Use the funds in your share or certificate of deposit accounts to finance whatever you wish at the lowest rates available. Great for building credit or repairing damaged credit.
- A variable rate loan based on your share or certificate account’s dividend rate + 3.50%
- Take an additional 1.00% off the rate for re-payment through payroll deduction.
- No late fees, and no early pay off penalties
Keep from bouncing checks or electronic payments with a Share Draft Line of Credit. When an item is presented for payment and your account does not have sufficient funds to cover an advance from your line of credit is made automatically.
- A Line of Credit up to $2,500 to cover against over drafts. Individual loan limit is subject to approval.
- Monthly payment set at 10% of existing balance or $20 minimum which ever is greater
- Re-payment must be set up for Automatic Monthly Debit from Draft Account
- Credit Application Fee $3.00
- No late fees, and no early pay off penalties
A credit union Signature Loan can be used to purchase an item, pay off debts or start up a new business.
- Maximum loan limit is $10,000 for up to 36 months. Individual loan limit is subject to approval.
- Take an additional 1.00% off the rate for re-payment through payroll deduction.
- No late fees, and no early pay off penalties
Need access to financing but your not sure when you will need it? Apply for an Open ended Signature Loan, and upon approval request an advance at any time you need one. It’s that simple.
- Maximum loan limit is $10,000 for up to 36 months. Individual loan limit is subject to approval.
- Application is good for two (2) years.
- $5.00 Application Fee
- Take an additional 1.00% off the rate for re-payment through payroll deduction.
- No late fees, and no early pay off penalties
Savings
Convenient and easy to use a credit union share account offers competitive rates and a secure means of saving. Deposits can be made through the mail, over the counter or electronically through direct deposit. Share accounts can also be used to post electronic payments from other companies.
- Maintain a $5 minimum balance in a Share Account for credit union membership, and access to all credit union services.
- Dividends are paid Quarterly on balances of $100 or more.
- Quarterly Statement
Need to pay those bills? With a credit union Share Draft account you can do so by writing a check, using your VISA Check card, or having the payment pulled electronically from your account. Share Draft accounts have no minimum balance requirements, no transaction fees and pay no dividends.
- No Minimum Balance required
- No deposit or per check fees
- $3.00 per month to receive checks back
- No dividends paid
- Monthly Statement
A credit union Holiday club is a convenient and easy way to save for the Holiday Season. Contributions can be made through mail, over the counter or payroll deduction. Saving is easy as funds can not be withdrawn without closing the account.
- Club Checks are cut and mailed on the first business day of October.
- Dividends are paid as of September 30th.
- Quarterly Statement
- Can be opened with as little as $5.00
Saving for that special getaway. Our Vacation Club can help you set aside the money you will need. Contributions can be made through mail, over the counter or payroll deduction, and funds can be accessed at any time.
- Dividends are paid Quarterly on balances of $100 or more.
- Quarterly Statement
- No minimum balance requirement
The credit union offers Roth, Educational and simple IRA’s as a convenient and practical investment option for our members. Speak to one of our staff to discuss the best options for you.
Earn a higher rate of return on your funds by investing in one of our credit union term share Certificates of Deposit. Rates are competitive based on the term of the certificate, with only a one (1) month penalty for early withdrawal.
- Certificates Terms are available in 6, 12 and 24 months.
- All certificates pay dividend at maturity.
The credit union offers both Series EE and Series I US Savings Bonds. These bonds are great for Savings for College or Retirement, and offer competitive rates and a secure investment.
- Federally tax-deferred.
- Exempt from State and Local tax until date of redemption
- Series EE Bonds are available in denominations from $50 to $10,000.
- Series EE Bonds can be purchased at half of the face value
|
