Savings Services
Share Savings
Similar to a savings account, the account offers a low minimum balance requirement and competitive dividends (interest). Funds are liquid with minimal deposit/withdrawal restrictions.

Share Draft (Checking Accounts)
Say goodbye to your old checking account and say hello to FREE credit union checking. Our checking accounts require no minimum balance, no per check charge, and no monthly service fees.

Club Accounts
Club accounts are similar to share savings accounts and are available for various reasons such as vacation, taxes, insurance, etc. It is perfect to set aside money in a special account for a specific need.

Share Certificates (CD’s)
Discover why an investment into a credit union share certificate is a smart investment. Similar to bank certificates of deposit, the account pays much higher dividends than regular savings accounts and funds are deposited for a prescribed period of time. A variety of minimum balance requirements and terms are available.

Money Market Share Certificate Accounts
Combine the convenience of liquidity while earning higher dividends with a Money Market Share Certificate. These accounts are available for a one-year term and a low minimum balance, however additional deposits and withdrawals (minimum $100.00) are allowed with no limitations or penalties (assuming minimum balance is maintained) during the one-year term.

ALL FUNDS IN THE CREDIT UNION ARE FEDERALLY INSURED by the National Credit Union Administration, an agency of the federal government.

Lending Services
Personal loans
Personal loans are granted without collateral. The maximum limit is $15,000 per member, however individual limits are largely determined by gross monthly income. Not everyone will qualify for the maximum.

Share Secured, Share Certificate Secured, Partial share/share certificate secured loans
These are types of secured loans. The member pledges shares or certificates for the full or partial amount of the loan. The funds held will be reduced as the loan balance reduces.

New/Used Cars, Motorcycles, RV’s, Boats, Travel Trailers, Campers and Sports Equipment
Don’t get taken by the dealer on bad financing!! The credit union provides competitive financing up to 10-year loan terms. Ask about a pre-approval to make that next purchase even easier.

Single payment loans
Borrow now and pay later!! Single payment loans require no monthly payments, and the balance is due (including interest) in 6 months. This is a great way to anticipate large cash inflows (home sale, income tax refund, etc.) without waiting for the money.

Life and Disability Payment Protection
These valuable protections are available to protect credit and deliver peace of mind. Disability protection will pay the loan payments in the event a member is unable to work due to illness or injury. Life protection will payoff the loan balance in the event of death. Feeling secure debts will be paid in an emergency can help ease worry and anxiety.

Vehicle Values
An invaluable resource, the credit union utilizes N.A.D.A. (nada.com) to obtain used vehicle values and Cars.com for new vehicle values. In addition, we can provide assistance with new vehicle purchases such as options on new vehicles including sticker price, invoice price, rebates and incentives. This is an easy way to compare vehicles before shopping for a new car. Occa

sionally the credit union is able to obtain special vehicle deals through special dealerships or through special buying programs.

CARFAX
No used car buyer should be without CARFAX. Call or come in with the Vehicle Identification Number (VIN) for peace of mind. CARFAX details the vehicle history including flood damage, salvage and/or rebuilt, odometer rollback, or lemon return.

Mortgage Division
Our credit union has a special mortgage division ready to assist with mortgage needs. First mortgages, reverse mortgages, home equity as well a number of other types of programs are available.

Electronic Services
Payroll deduction and direct deposit
Available from any qualified employer makes saving or loan repayment easy. A portion of a paycheck or an entire paycheck can be automatically deposited to the credit union without making a trip to the credit union.

Automated Transaction Service
A quick and easy way to transfer funds from one financial institution to another on the next business day by simply making a phone call. Don’t waste time making trips to multiple financial institutions for funds—just sign up for Automated Transaction Service.

Wire Transfer or Western Union service
A wire transfer can transfer funds to another financial institution usually within an hour. Western Union service allows members to pick up funds at any Western Union facility within the same business day.

ATM/Debit Cards
Discover the world of financial freedom available with our ATM/DEBIT Card accepted worldwide at most ATM machines and any merchant who accepts VISA debit cards.

Alliance Financial Intelligence System (ALFI)
Get credit union account information 24 hours a day/7days a week via a touch tone phone. Check account activity/information, perform transactions, get rate information, perform loan calculations, and get credit union office hours anytime.

Insurance Services
Through a unique partnership with CUNA Mutual and Liberty Mutual the credit union offers insurance services to our members. These services include a wide variety of coverage such as life, disability, home, and automobile all at discounted rates to credit union members. Enjoy financial security with protection available through the credit union.

Discount Services
Periodically the credit union will offer other discount services to our members. Such services include discount Great America coupons, Entertainment Books, and car rental discounts.