SHARE ACCOUNT - (Savings Accounts) A minimum balance of $50.00 is required to keep your account active. Dividends, which are declared each quarter by the Board of Directors are based on the Credit Union's net earnings, are paid and compounded quarterly on accounts that remain open through the end of the quarter. Membership Application
VISA CREDIT CARD - The credit union VISA card has a low 8.5% APR, 25 day grace period, and NO annual fee. VISA Credit Card Application
T A S Line - Telephone Access System - You can find out your balance, see if a check cleared, transfer your loan payment, make withdrawals, and check your VISA credit card balance 24 hours a day, 365 days a year.
SHARE CERTIFICATES - These accounts return premium dividend rates in exchange for guaranteed investment terms. Minimum deposits are as low as $1,000 with terms ranging from 90 days to 2 years.
INDIVIDUAL RETIREMENT ACCOUNTS - IRA Accounts provide tax-sheltered retirement savings with higher than average dividends.
YOUTH SAVERS ACCOUNTS - Children between the ages of 3-12 can have an account opened with a minimum deposit of $10.00. There is a one-time membership fee of $5.00. These accounts offer incentive rewards as the balance grows to different levels, to encourage young people to save.
SHARE DRAFT ACCOUNTS - (Checking Accounts) - The credit union provides for an effective way to handle your day-to-day financial transactions; paying bills, making purchases or obtaining cash. A $100 minimum deposit is required to open the account. There are NO monthly service charges. There is NO minimum balance. There is NO per check charge.
VISA CHECK CARD - There are no fees for VISA check transactions through merchants accepting VISA. Save money in check printing fees. Pay for purchases without writing a check. The amount of your purchase(s) will be automatically deducted from your checking account. Get instant approval and save time. A detailed description of every card purchase will appear on your monthly checking statement. Request Check Card Application
ATM CARD - An ATM card gives you access to cash 24 hours a day. You may also use your ATM card for deposits. You can access any ATM machine which is networked with STAR, PLUS, or CO-OP, There is a nominal charge per transaction. Your ATM card can also be used at Point-of-Sale terminals at grocery store, fast food restaurants, and many other places.
NOTICE REGARDING ATM FEES BY OTHERS (a) If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network.
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