| VISA CARD |
| The Credit Union offers VISA cards to members with up to a $10,000 line of credit. Travel accident insurance, purchase security and extended protection program are all included at no charge. No annual fee. There is a one time initial fee of $10.00. |
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| REGULAR SHARE ACCOUNT (Savings) |
| This is your basic share account. Dividends are credited to the share account on the first day of each month. All accounts are federally insured up to $100,000 by the NCUA. |
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| SHARE DRAFT ACCOUNT |
| This a checking account. All accounts are federally insured up to $100,000 by the NCUA. |
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| ATM BANK CARD |
| It's the safe, simple way to access your money 24 hours a day, 7 days a week. Withdraw up to $300 per day instantly from shares or share draft accounts at any automated teller machine displaying the NYCE, HONOR, PLUS or Pulse logo. Your ATM card helps assure that wherever you may work, live or travel, access to your Credit Union account can be just around the corner, at convenience stores, shopping centers, airports and other financial institutions. |
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| LOANS |
| Personal (Unsecured loans). Loans for a variety of needs from buying furniture, bill consolidation, medical bills, etc. Maximum amount is determined on an individual basis. Four year maximum term. |
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| NEW & USED VEHICLES |
Loans for new or used vehicles, American or foreign automobiles, rates and terms vary. Up to $40,000 limit and 100% financing available on new and used autos 6 years old.
Note: Used car loans are for 100% of the purchase price or book value whichever is less. |
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| SHARED SECURED LOANS |
| Use your shares as collateral to borrow for any need. It's a great way to make your savings work for you. |
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| STUDENT LOANS, STAFFORD STUDENT LOANS & PLUS LOANS |
| Students and parents may borrow money for college expenses under these government supported loan programs. | |
| DIRECT DEPOSIT |
| You can have your paycheck, pension or any regular reoccuring payment to you go directly to your account. Avoid waiting for the check and then waiting to cash it. |
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| PAYROLL DEDUCTIONS |
| You can authorize a payroll deduction for a specific amount to be withheld from your paycheck each period and allocate these funds to pay loans, deposit to club accounts, IRA, checking or savings. |
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| HOLIDAY CLUB |
| This is a separate account which allows a member to deposit funds for their seasonal spending needs. Every October the Credit Union will mail a check to you. This account earns dividends in the same fashion as the regular share account. |
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| VACATION CLUB |
| This is another account which allows a member to deposit funds for vacation or other periodic spending needs. Members withdraw funds from this account as they desire, with a limit of four withdrawals per year. |
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| TERM SHARE CERTIFICATE |
| Are available for various terms, rates and balances. (Minimum $1,000). Once a Term Share Certificate is purchased, the rate remains fixed for the term of the certificate. Dividends are paid quarterly or at maturity. The member is advised at least 30 days prior to maturity as to what the new rates and available options will be. |
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| IRA |
| An IRA is a personal tax-sheltered retirement savings plan. You may save on your income taxes while you build your own IRA to supplement your pension and social security. Earned interest is tax deferred until time of withdrawal. |
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| STRIKE FUND CLUB |
| This account allows a member to deposit funds for use in the event a strike takes place. The account earns dividends in the same way as a regular Share Account. | |
