Share Account: An account everyone must have to be a member of the credit union. It is classified as a savings account and allows a minimum number of withdrawals. The share account must have a balance of $105.00 for a member to qualify for any other credit union service.
Checking Account: An account for unlimited deposits and withdrawals through writing checks, ACH transactions or use of a debit card.
Christmas Club Account: An account for saving for Christmas expenses, it has a term from November 1 to October 31 each year. Checks for the balance in the account are cut on November 1 for disbursement. Withdrawals are not allowed on this account until the end of the term.
Vacation Club Account: An account for saving for vacation expenses, it has no term and allows three (3) withdrawals per year.
Signature Loans: An unsecured loan up to a maximum of $5,000.00 based on certain qualifications and the memberís credit score from their credit report.
Share Secured Loans: A loan using the memberís or another memberís shares as collateral to qualify for a low interest rate. The only qualification is a balance in your share account equal to or greater than the balance of the loan.
Half Share Secured Loans: A loan using your share balance as collateral for one-half of the balance of the loan. The interest rate is slightly higher than a full share secured loan. The limit is $10,000.00.
New and Used Auto Loans: A loan for the purpose of purchasing an automobile. Terms are based on the age and price of the vehicle. Interest rates are based on the memberís credit score.
Farm Equipment and Recreation Loans: A loan for the purpose of purchasing farm equipment or boats, ATVs, jet skis, etc. Terms are based on the age and price of the item. Interest rates are based on the memberís credit score.
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ATM: On-site ATM with no fee for member withdrawals
Safe Deposit Boxes: Several different sizes and price ranges to choose from.
Free Notary Service: Notary available during business hours.
Financial Counseling: Assist members in obtaining a free credit report each year and analyzing the report to give the member guidance in correcting any problem area and how to increase their credit score.
Your Time Teller: (1-800-547-0905) A 24 hour a day service you can use to obtain balances on all your credit union accounts.
Payroll Deduction: Employers in our member groups will make a deduction of your choice from your payroll check and send it directly to your credit union account. This deduction can make your loan payment or add to your savings.
Credit Disability: Insurance coverage offered to a member on approved loans. The coverage is paid by the member within the loan payment. The insurance covers the loan payment (within qualifications) during an extended illness.
Loan Protection: Insurance coverage paid by the credit union for payment of a memberís loans, up to a maximum of $30,000, upon the members death. (age limitations)
Free Automobile Pricing: We can help you value or compare car prices.
Electronic Transactions: Allows electronic transactions for withdrawals from member accounts for insurance drafts, paying bills, etc.