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Share Savings
Accounts:
- $ 5.00 minimum required to
open an account.
- Copy of a photo ID
required, i.e. driver’s license, passport.
- Dividends:
- Rates are typically equal
to or better than rates at local savings institutions.
- Paid quarterly rates are
set quarterly in arrears by the Board of Directors.
- In order to earn dividend interest
on Share Savings Accounts, members must maintain a minimum balance of
$110.00.
Checking ("Share Draft") Accounts:
- No minimum
balance requirements, monthly service charges or per-check charges.
- National accessibility of funds via Automated Teller Machine
(ATM) service.
- Overdraft protection up to $1,000 available (pending approval
by loan officer.
- Fees and charges
- Overnight Availability - $ 5.00
- Insufficient funds: $25.00 (maximum of 3 per calendar year)
- Stop payment:$25.00
- Copies of checks: Original Check $10.00
Direct Deposit:
- Direct Deposit is available
to checking and/or savings accounts.
Credit Union ("Cashier’s") Checks:
·
Available to members at the Credit Union at NO charge.
Family Memberships:
- Immediate family, spouse, children,
parents, grandparents, and siblings.
Certificates of Deposit
("CD’s"):
- 6, 12 & 18 Month
certificates of deposit are available at competitive rates.
- Offering rates are adjusted
based on Market conditions.
- Minimum $2500.
Club Accounts:
- Available for holiday or
vacation savings.
- Earn interest at the share
savings rate for balances over $110.00.
- Club accounts are not
covered by life savings insurance.
Overdraft Protection:
- Overdraft protection up to
$1,000 is available for those who qualify. The interest rate on overdraft
balances is 18%.
MasterCard™ Debit
Card and Automated Teller Machine (ATM) Service:
- Using your MasterCard™ Debit Card, members may
make deposits, withdrawals, check balances and make transfers between
accounts electronically at any machine participating in the PLUS™
network.
- Make purchases using your
MasterCard™ Debit Card
wherever the your MasterCard™ Debit Card is accepted.
- Original Card –
Free Replacement
Card $5.00
New and Used Auto
Loans, Personal Loans, Share Secured Loans:
- See loan offering rate
sheet (click here)
for general borrowing requirements, rates and loan terms. To access loan
application forms, click here.
- A minimum balance of $
105.00 must be in your account to apply.
- Loan
refinancing/consolidation is available.
Free Life Insurance:
- Term life insurance on
members’ savings up to $2,000, contingent on the member’s
age at the time of deposit. A "risks not assumed" clause is contained
in the policy.
Wire Transfers:
- Incoming and outgoing wire
transfers are available to members.
- Incoming wires are free of
charge. The current fee for outgoing wires is $12.50 for domestic
transfers and $35.00 for foreign transfer.
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