SAVINGS– Share Accounts
The saving accounts in the credit union are called Share Accounts. Members
may save through payroll deduction, electronic deposits, check deposits and/or
cash deposits. Shares may be added or withdrawn during regular hours.

CHECKING – Share Draft Accounts
Checking accounts at the credit union are called Share Draft Accounts. There
is NO minimum balance, NO per check charge and NO service charges. You
do pay for your own checks and any additional services you may require (for
example: stop payments, traces or check copies). All checks ordered through
the credit union have duplicates for your records and originals can be
obtained, per your request, for a fee.
The share drafts are cleared through your account by 9:30 am. Your
checking accounts are connected to your savings and will overdraft to your
savings (for a $5.00 fee) if there is not enough in your checking to cover your
checks.

VISA DEBIT CARDS
Debit cards are connected to your Share Draft (checking) Account ONLY. You
may withdraw from your Share Draft Account at an ATM Machine* or at a
store by using the card as a Credit Card. *Please note if you use your Visa
Debit Card at an ATM Machine you will be charged a $1.00 fee, which will be
withdrawn from your checking account on a daily basis. If your debit card is lost or stolen please call 1-800-543-5073.

CLUB ACCOUNTS
Christmas, Tax and Vacation Club Accounts are available. These accounts earn
the same dividend as a share (savings) account. No minimum balance is
required.

SHARE CERTIFICATES
We offer short-term 6-month certificates of deposit (CD) that earn a monthly
dividend.

LOANS

• Any person who is a member and has had steady income for a year or
  more may apply for a loan. The
  amount and length of any loan is determined by the purpose, security
  offered and the person’s ability to
  repay. (Subject to federal regulations, Board of Directors policy and
  discretion of the Loan Staff.).
  
• Loan Applications are available in the lobby of the credit union. They
  can also be faxed or mailed to you.
  A new form must be completed by the applicant for each new loan
  and has to be returned to the credit
  union with payroll verification and security information, if applicable.
  
• Approval – All loans must by approved by the loan officer. After their
  approval, the necessary papers are
  prepared and the loan is processed.
  
• Repayment of Loan – The due date for all loans is the 15th of each
  month. On this day the payment will
  be drawn out of your share account. You have a seven day grace
  period before a $15.00 late fee is charged
  to your account. Interest is calculated daily on the balance of the loan.
  
• Loan Protection Insurance – The credit union offers the option of life
  nad/or disability insurance on all
  loans if the customer wishes to purchase it.

TYPES OF LOANS AND LOAN ELIGIBILITY

• Members are eligible to have three loans at one time – 2 secured and
  1 unsecured.
  
• Unsecured (or personal) loans are limited to $5000.00 with a repay
  term of up to 30 months.
  
• Secured (or chattel) loans are available for new or used cars, trucks,
  ATVs, etc. The term varies depending
  on the year of the security item. Detailed loan information is available
  by phone or fax. Secured items MUST
  carry proper insurance (collision and comprehensive) to protect the
  credit union’s interest. Collision is not
  required on vehicles over ten years.
  
• Share Secured Loans are also available. The shares must be kept in
  the share account of the member with
  the loan for the term of the loan.
  
• Home Equity Loans are available for home that have at least 65%
  loan to value.
  
• Some loans will require a Co-Maker. A co-maker is anyone with a
  good reputation, steady income and the
  ability to meet the obligation. Co-makers do not have to be members
  at the credit union.

OTHER SERVICES

• We offer money orders, travelers checks and postage stamps. During the summer we also offer certain amusement park tickets at a discounted price.