Welcome to SchoolsFirst Federal Credit Union

Save this PDF as:
Size: px
Start display at page:

Download "Welcome to SchoolsFirst Federal Credit Union"

Transcription

1 Welcome to SchoolsFirst Federal Credit Union This guide will help you understand how your All Valley FCU accounts will be transitioning over to SchoolsFirst FCU. In the coming weeks, look for a guide on how to access your account. On your new statements or online, you will see the new names of your products as listed in this guide. If you have any questions, please contact one of our Member Service Representatives at The Credit Union has been like a good friend; it s an institution I can trust. I manage my money wisely, but I ve always said it s the best place to save. Helen Sands The Sands/Martyr Family Four generations of Membership since 1982 Savings Accounts If you had an All Valley FCU Regular Share All Purpose Savings Summer Savings Christmas Club Adventure Club IRA (Traditional & Roth) Money Market Educational IRA You now have a SchoolsFirst FCU Primary Savings 1 Secondary Share 1 Summer Saver 1,2,3 My Club 1,4 JV/Varsity Club 1,5 Accumulation IRA 1 Liquid Advantage Money Market 1,6 12-Month Coverdell Education Savings Account (ESA) 7 Share Certificates All Valley FCU share certificates will retain the current rate and term. Regular Certificate IRA Certificate (Traditional & Roth) Educational IRA Certificate Regular Certificate IRA Certificate 12-Month Coverdell Education Savings Account (ESA) 7 More information about all of our products and services, including current rates, can be found at: Call Click schoolsfirstfcu.org/allvalley Visit a branch

2 Checking Accounts If you had an All Valley FCU Regular Share Draft Checking Account, you will now have Free Checking. If you had a Diamond Money Market Checking Account, you will now have Investment Checking. Free Checking 8 No monthly fee No minimum balance ATM or Debit MasterCard Fee-Free unlimited ATM withdrawals at 27,000 SchoolsFirst FCU and CO-OP Network ATMs nationwide 24/7 access to online banking, mobile and text banking, and TellerPhone 9 ealerts and edeposit Investment Checking 1,10 Earns dividends ATM or Debit MasterCard Fee-Free unlimited ATM withdrawals at 27,000 SchoolsFirst FCU and CO-OP Network ATMs nationwide Six free out-of-network ATM withdrawals per month 24/7 access to online banking, mobile and text banking and TellerPhone 9 ealerts and edeposit No monthly fee if qualifying criteria is met If you would like more information about Free or investment checking, please call us, visit a branch or log into our website to learn more. How long can I use my All Valley FCU checks? You may use your All Valley FCU checks until August 18, After this date, please use your new SchoolsFirst FCU checks. Will I get new SchoolsFirst FCU checks for my Free Checking account? Yes, you will be able to order a free box of basic checks (up to $12.55 in value). You can also choose from a selection of designer checks for an additional cost. To order your free box of basic checks, log into the website or call the Member Contact Center after May 20. You may still use your All Valley FCU checks until August 18, Will my account history transfer over? No. For account history prior to the transition of your account to SchoolsFirst FCU, please refer to your All Valley FCU account statements. Going forward, you can access your SchoolsFirst FCU account history through our website or TellerPhone, our automated phone system (available 24/7). What happens with my automatic transactions? Your direct deposits will continue uninterrupted; you will need to update any automatic withdrawals such as gym membership fees or insurance payments that may be set up using your Debit or Credit Card number with your new Debit or Credit Card information. What will happen to my Courtesy Pay? If you have Courtesy Pay, this service will no longer be available to you, effective May 17, 2013, as SchoolsFirst FCU does not offer this option. If you are an existing participant in Courtesy Pay, you will be pre-approved for a $300 Overdraft Protection Loan, which gives you the flexibility of advancing from a line of credit to cover a check or other debit from your checking account when sufficient funds are not available. Please contact us if you wish to accept this offer. When will I get a new ATM or Debit Card? New ATM and Debit MasterCard cards will automatically be issued to Members who currently have them the week of May 6. If you do not receive a new replacement card by May 15, please contact us. Please note: your new card cannot be activated or used until May 20. A new automatically generated PIN number for your card will be mailed separately, approximately two days after your card. To change your PIN, visit any branch location beginning May 20.

3 Credit Cards If you had a Visa Classic or Premium Visa, you will now have either a Visa Gold or Visa Platinum, depending on your credit agreement. If you had a Visa Classic Secured, you will now have a Share-Secured Visa. When will my replacement card arrive? New credit cards will automatically be issued to Members who currently have them the week of May 6. If you do not receive a new replacement card by May 15, please contact us. Please note: your new card cannot be activated or used until May 20. Will my rates change? Yes. The SchoolsFirst FCU credit card program offers a variety of competitive credit cards with low rates. You should have received a letter in March that detailed your new rates and terms. Are Members pre-conversion balances grandfathered in at their current fixed rate? If I don t like my new terms and decide to close my card, will I have to reapply for a new credit card? Yes. If you choose to close your All Valley FCU Credit Card, you would need to reapply if you wish to open a SchoolsFirst FCU Credit Card in the future. How are my Visa credit card payments applied? Your payment is applied first to any fees and finance charges due, then to your balance due. Any payment made in excess of the minimum required payment due is applied to balances with the highest rate first, and then to other balances in descending rate order. The payment application process is in compliance with federal regulation. Yes, pre-conversion balances will remain at their current All Valley FCU fixed rate. In addition to our Gold and Platinum Visas, we offer several different types of credit cards that have been designed to fit your needs: School Employee Visa 11 Highly competitive rate Interest-only summer payment options 12 Skip-A-Payment 13 Opportunity to lower your rate with 12 months of on time payments Up to 1% cash back on purchases, deposited to your Summer Saver 14 No annual, balance transfer, cash advance, or overlimit fees Rewards Visa No annual fee No balance transfer or cash advance fees Earn points on purchases for travel, gift cards, or cash back If you would like more information about these other credit cards, please call us, visit a branch or log into our website to learn more. Call Click schoolsfirstfcu.org/allvalley Visit a branch

4 Loans All auto, motorcycle and RV loans will transition over with the same name, rate and terms as you had before. If you had a Home Equity Line of Credit (HELOC), you will receive a separate letter regarding your loan. Other loans will transition with the same rates and terms, but will be named differently on your statement. If you had an All Valley FCU New or Used Auto Loan New or Used Motorcycle Loan Signature, Career Enhancement or Holiday Loan New/Used RV Loan (boat and watercraft) Share Secured Loan Overdraft Protection Loan Line of Credit Loan Fresh Start Loan You now have a SchoolsFirst FCU New or Used Auto Loan New or Used Motorcycle Loan Personal Loan New/Used RV Loan (boat and watercraft) Share Loan Overdraft Protection Loan Line of Credit Loan Workout Loan How should I make my loan payments? Beginning May 20, you can make your payments at any branch, online, or mail your payment to: SchoolsFirst FCU, PO Box11547, Santa Ana, CA We offer a complete line of loan products and services designed to fit your needs, including these loans just for school employees: Computer Loan A low-interest loan to help school employees purchase a new computer or software. Classroom Supplies Loan A no-interest loan to help teachers purchase classroom supplies. 15 Uniform Loan A no-interest loan to help classified school employees purchase uniforms and other supplies for your job. 16 School Employee Mortgage Program Designed with unique benefits to help school employees purchase or refinance a home. We also offer a complete line of financial products and services, including: Retirement, investments and insurance Whatever your financial goals, we can help you develop a plan to get you there. Auto purchasing Through our auto buying services, we can help you find the right car at the right price. Home buying With our Home Advantage program, we can help you find and purchase the home of your dreams and help you save with a real estate rebate program and discounted services. Federally Insured by NCUA

5 s and Disclosures s and programs quoted below are effective as of 4/3/2013 and are subject to change without notice. SchoolsFirst FCU Product Minimum Balance 1 Primary Savings $5 0.10% 0.10% Secondary Share 1 $5 0.10% 0.10% 1,2 BASE Summer Saver $0 1.98% 2.00% SEMP Summer Saver 1,3 $0 2.96% 3.00% My Club 1,4 $0 0.20% 0.20% JV Club 1,5 (Ages 0-12) Varsity Club 1,5 (Ages 13-17) Liquid Advantage Money Market 1,6 1 $5 0.10% 0.10% $5 0.10% 0.10% $2,000-$24, % 0.15% $25,000-$49, % 0.20% $50,000-$99, % 0.25% $100, % 0.30% 8 Free Checking $0 N/A N/A Investment Checking 1,10 $25,000 - $99, % 0.08% $0 - $24, % 0.05% $100, % 0.10% Accumulation IRA 1 $ % 0.20% 12-Month Coverdell Education Savings Account (ESA) 7 $ % 1.75% = Annual Percentage Yield. IRA = Individual Retirement Account. The par value of one share is $5. To maintain active Membership, a Member must keep a minimum of $5 in their Primary Regular Share ID Variable rate account, subject to change daily. 2. Limit one per Membership to current school employees only. rate eligibility determined annually and effective September 1 each year. Deposit by payroll deduction or payroll direct deposit required; $25 minimum and $2,000 maximum per month. 3. Participation in School Employee Membership Package required to maintain eligibility for the SEMP Summer Saver account. Cancelling any part of the School Employee Membership Package may result in the Base Summer Saver account for the next school year. Limit one per Membership to current school employees only. rate eligibility determined annually and effective September 1 each year. Deposit by payroll deduction or payroll direct deposit required; $25 minimum and $2,000 maximum per month. 4. No minimum opening balance required. $10 early withdrawal fee for withdrawals made after the first seven days after account is opened or renewed for the next account term. 5. Minor must meet Membership eligibility requirements for JV Club (ages 0-12) and Varsity club (ages 13-17) accounts. Membership fee is covered under the family unit Membership Fee program. Minimum opening balance $5. No minimum balance to earn dividends. Limited ATM transactions based on age. 6. Minimum opening deposit $2,000. If balance decreases below $2,000, dividend rate will convert to the Investment Checking dividend rate. Limit on certain transactions. Foreign ATM fees waived through 12/31/ s are subject to change daily. Minor must be a Member or eligible for Membership. Contribution limit is $2,000 per child per year. Penalty for early withdrawal. 8. $25 minimum initial deposit waived with direct deposit setup. Unlimited check writing; Unlimited transactions at SchoolsFirst FCU and CO-OP Network ATMs; $1 fee for out-of-network transactions. Other financial institutions or merchants may charge for use of their ATM or POS terminal. Foreign ATM fees waived through 12/31/ Standard text messaging and data rates may apply. 10. $25 minimum initial deposit waived with direct deposit setup. The $6 monthly service charge is waived if you have direct deposit to your Investment Checking account monthly and a daily minimum combined share balance of $1,000; or, if you do not have a direct deposit, this account requires a daily minimum combined share balance of $2,500; or, if the Member is age 62 or over. Unlimited transactions at Schools- First FCU and CO-OP Network ATMs. Account gives you six (6) transactions per month at other ATMs with no SchoolsFirst FCU charge; $1 fee for each out-of-network transaction in excess of six. Other financial institutions or merchants may charge for use of their ATM or POS terminal. Foreign ATM fees waived through 12/31/13. Fees could reduce earnings on the account. 11. Must be a current school employee to qualify for the School Employee Visa credit card. SchoolsFirst FCU s credit card program features a range of rates based on a variety of factors, including the applicant s credit rating. As of 3/15/2013, School Employee Credit Card rates range from 7.5%-17.9% APR. s are subject to change, are variable and subject to increase after account opening. Foreign transaction fee 2% of the transaction. 12. Offered during June, July and August to qualified Members. Qualified Members will be notified; and must contact SchoolsFirst FCU to take advantage of interest-only payments. 13. Automatically offered during January billing cycle to qualified Members.

6 14. Deposits will be made quarterly to Summer Saver. If Summer Saver maximum contribution limits have been reached, or if no Summer Saver Share is open, deposit will be placed in Member s Primary Share 01 (Savings). Earn cash back on purchases made within a calendar year as follows: Earn 0.25% on your first $1,000 in annual purchases; earn 0.50% on your second $1,000 in annual purchases; earn 0.75% on your third $1,000 in annual purchases; earn 1.00% on all purchases over $3,000. Cash advances, balance transfers, and returns are not eligible for cash back. 15. Limited to classroom teachers or professors (grade K or higher) with accounts in good standing who are participating in payroll direct deposit. Minimum payment $50/month. $10 application fee due at funding cannot be financed. quoted includes a 0.75% discount for automatic payment transfer from your SchoolsFirst FCU account. 16. Limited to classified school employees with accounts in good standing who are participating in payroll direct deposit. 10 month maximum term; estimated payment on a $500 loan is $50; minimum payment $25. quoted includes a 0.75% discount for automatic payment transfer from your SchoolsFirst FCU account. s and Disclosures s and programs quoted below are effective as of 4/3/2013 and are subject to change without notice. SchoolsFirst FCU Product: Regular Certificate $500 Minimum $20,000 Minimum $50,000 Minimum $100,000 Minimum (Jumbo) Term 30 Day 0.15% 0.15% 0.20% 0.20% 0.25% 0.25% 0.30% 0.30% Month 0.25% 0.25% 0.30% 0.30% 0.35% 0.35% 0.40% 0.40% Month 0.30% 0.30% 0.35% 0.35% 0.40% 0.40% 0.45% 0.45% Month 0.35% 0.35% 0.40% 0.40% 0.45% 0.45% 0.50% 0.50% Month 0.45% 0.45% 0.50% 0.50% 0.55% 0.55% 0.60% 0.60% Month 0.55% 0.55% 0.60% 0.60% 0.65% 0.65% 0.70% 0.70% Month 0.85% 0.85% 0.90% 0.90% 0.95% 0.95% 1.00% 1.00% Month 1.04% 1.05% 1.09% 1.10% 1.14% 1.15% 1.19% 1.20% 60 Month 1.34% 1.35% 1.39% 1.40% 1.44% 1.45% 1.49% 1.50% Penalty for early withdrawal. SchoolsFirst FCU Product: IRA Certificate $500 Minimum $20,000 Minimum $50,000 Minimum $100,000 Minimum (Jumbo) Term 30 Day 0.25% 0.25% 0.30% 0.30% 0.35% 0.35% 0.40% 0.40% Month 0.30% 0.30% 0.35% 0.35% 0.40% 0.40% 0.45% 0.45% Month 0.35% 0.35% 0.40% 0.40% 0.45% 0.45% 0.50% 0.50% *12-17 Month 0.40% 0.40% 0.45% 0.45% 0.50% 0.50% 0.55% 0.55% Month 0.50% 0.50% 0.55% 0.55% 0.60% 0.60% 0.65% 0.65% Month 0.60% 0.60% 0.65% 0.65% 0.70% 0.70% 0.75% 0.75% Month 0.90% 0.90% 0.95% 0.95% 1.00% 1.00% 1.04% 1.05% Month 1.09% 1.10% 1.14% 1.15% 1.19% 1.20% 1.24% 1.25% 60 Month 1.39% 1.40% 1.44% 1.45% 1.49% 1.50% 1.54% 1.55% Contributions for the current and/or prior year may be added at any time. Rollovers and deposits transferred from another plan or institution can be made during the 7 day grace period immediately following the maturity date. Penalty for early withdrawal. * Rollovers or transfers from another plan or institution may be added to the month IRA Share Certificate at any time. Federally insured by NCUA. 2

Kitsap Credit Union Membership

Kitsap Credit Union Membership Membership Benefits Kitsap Credit Union Membership Kitsap Credit Union is your local, not for profit financial co-op. As a co-op, we work towards the best interest of our members. Since 1934 we ve been

More information

Products and Services

Products and Services Products and Services Enjoy Life s Journey 401.233.4700 navigantcu.org Federally insured by the National Credit Union Administration. Products and Services Navigant Credit Union provides you with the products

More information

FREQUENTLY ASKED QUESTIONS

FREQUENTLY ASKED QUESTIONS Welcome to Georgia United! Below you ll find answers to commonly asked questions. Our goal is to ensure that the transition process is seamless for you. If at any time you would like more information,

More information

FREQUENTLY ASKED QUESTIONS

FREQUENTLY ASKED QUESTIONS Park Community Credit Union & Louisville Medical Federal Credit Union Merger FREQUENTLY ASKED QUESTIONS These pages contain answers to frequently asked questions, links to important websites and general

More information

Loan & VISA Rates. December 1, 2014 (rates are subject to change)

Loan & VISA Rates. December 1, 2014 (rates are subject to change) Loan & VISA Rates Loan Type Terms & Special Features Interest Rate (APR) New and Used Auto Finance up to 115% of purchase price on new autos. Finance up to 115% Kelly Blue Book, applies to vehicles 7 years

More information

Your Member Kit WELCOME. Here s everything you need to know about the transition from North Shore Manufacturers to Hanscom.

Your Member Kit WELCOME. Here s everything you need to know about the transition from North Shore Manufacturers to Hanscom. Your Member Kit WELCOME Here s everything you need to know about the transition from North Shore Manufacturers to Hanscom. Table of Contents Key Dates... 1 General Account Information... 2 Savings Accounts...

More information

$25. Opening Deposit on us!* For more information please contact: BRANCH AND ATM LOCATIONS WHO IS THE SF POLICE CREDIT UNION? WHAT DO WE OFFER?

$25. Opening Deposit on us!* For more information please contact: BRANCH AND ATM LOCATIONS WHO IS THE SF POLICE CREDIT UNION? WHAT DO WE OFFER? SFPCU Welcomes Contra Costa SO WHO IS THE SF POLICE CREDIT UNION? The SF Police Credit Union has provided financial services since 1953. We are a non-profit, financial institution that is cooperatively

More information

1. What are the advantages of the new High rate Checking Account?

1. What are the advantages of the new High rate Checking Account? Frequently Asked Questions (FAQ) High Rate Checking Freedom is introducing a new Checking Account type called High Rate Checking. This is the result of several years of research, and designed to meet the

More information

Truth In Savings. Page 1 of 10

Truth In Savings. Page 1 of 10 Dividend rates and corresponding yields for all products are listed on Andrews Federal Credit Union s (Andrews Federal) rate schedule, a copy of which will be provided to you at the time you open your

More information

TFCU Offers One-Stop Shopping for All Your Personal Financial Needs

TFCU Offers One-Stop Shopping for All Your Personal Financial Needs Summary of Services TFCU Offers One-Stop Shopping for All Your Personal Financial Needs Membership Welcome to Tinker Federal Credit Union. We invite you to take a look and see what we re all about, because

More information

Your Checking Switch Kit

Your Checking Switch Kit Your Checking Switch Kit 4 Easy Steps To Switch Your Checking Account To Educational Systems FCU step 1 Open your checking account Contact one of our Member Service Representatives. step 2 Move your Direct

More information

Truth in Savings Disclosure

Truth in Savings Disclosure Truth in Savings Disclosure Disclosure of Terms Applicable to All Member Accounts Dividends are paid from current income and available earnings, after any required transfer to reserves, at the end of a

More information

Truth in Savings. Page 1 of 7

Truth in Savings. Page 1 of 7 Dividend rates and corresponding yields for all products are listed on Andrews Federal Credit Union s (Andrews Federal) rate schedule, a copy of which will be provided to you at the time you open your

More information

Checking Account Options September 1st, 2013 (rates are subject to change)

Checking Account Options September 1st, 2013 (rates are subject to change) Checking Account Options Earn with Eco-Checking. Good for you. Good for us all. Point West Credit Union is rooted in the cooperative nature of credit unions - we are all about people helping people. And

More information

Contact us! MATT Locations: Phone: Online: Direct Deposit Rate Update

Contact us! MATT Locations: Phone: Online: Direct Deposit Rate Update Savings Services Savings Services We ll Help You Reach Your Financial Goals Whether you re interested in short-term savings with immediate access to your funds or long-range investments with high earning

More information

Consumer Loan & VISA Rates October 1, 2015 (rates are subject to change)

Consumer Loan & VISA Rates October 1, 2015 (rates are subject to change) Consumer Loan & VISA Rates Loan Type Terms & Special Features Interest Rate (APR) 1 New and Used Auto Finance up to 120% of purchase price on new autos (not including tax, title, licensing and cancelable

More information

DEPOSIT ACCOUNT TERMS AND CONDITIONS AND PRIVACY POLICY

DEPOSIT ACCOUNT TERMS AND CONDITIONS AND PRIVACY POLICY DEPOSIT ACCOUNT TERMS AND CONDITIONS AND PRIVACY POLICY Note that the privacy policy applies to all personal accounts, not just deposit accounts. WELCOME TO M&T A GUIDE TO THE TERMS OF YOUR PERSONAL DEPOSIT

More information

banking Better for Less member services, loans & benefits It s ALL inside. Everything you expect from your bank and more. www.lcfcu.

banking Better for Less member services, loans & benefits It s ALL inside. Everything you expect from your bank and more. www.lcfcu. It s ALL inside. Everything you expect from your bank and more. member services, loans & benefits Better banking for Less Loans. Deposits. Insurance. Investments. www.lcfcu.org a tradition of Service Library

More information

Rate and Fee Disclosures

Rate and Fee Disclosures Rate and Fee Disclosures 40 West Century Road Paramus, NJ 07652 PH: 201-599-5500 FX: 201-599-5505 TF: 888-554-2328 www.greateralliance.org This Rate and Fee Disclosure sets forth current conditions, rates,

More information

PRODUCT KNOWLEDGE SAMPLE. Sample. Credit Union Name. Developed By:

PRODUCT KNOWLEDGE SAMPLE. Sample. Credit Union Name. Developed By: MEMBER NEEDS HANDBOOK Credit Union Name Developed By: The Pell Group & Creating Member Loyalty Copyright 2014 Credit Union National Association, Inc. 1 Introduction Introduction Facts About Credit Union

More information

WELCOME to Metro. Your Guide to Membership

WELCOME to Metro. Your Guide to Membership WELCOME to Metro Your Guide to Membership WELCOME TO METRO! A Letter from the CEO Dear Valued Member: We are happy to report that the merger between Metro Credit Union and Malden City Employees Credit

More information

Alabama Teachers Credit Union nhanced Checking Disclosures

Alabama Teachers Credit Union nhanced Checking Disclosures Alabama Teachers Credit Union nhanced Checking Disclosures Qualification Cycle Requirements Qualification Cycle refers to the period beginning one day prior to the first day of the current statement cycle

More information

Welcome to EFCU Serving only union members and their families since 1953

Welcome to EFCU Serving only union members and their families since 1953 Overview of Services EFCU is a full-service credit union that is proud to offer the following services: Share (Savings) Accounts FREE Share Draft (Checking) Accounts Christmas Club Accounts Auto & Signature

More information

Rate and Fee Disclosures

Rate and Fee Disclosures Rate and Fee Disclosures 40 West Century Road Paramus, NJ 07652 PH: 201-599-5500 FX: 201-599-5505 TF: 888-554-2328 www.greateralliance.org This Rate and Fee Disclosure sets forth current conditions, rates,

More information

Checking Account Options January 1st, 2013 (rates are subject to change)

Checking Account Options January 1st, 2013 (rates are subject to change) Checking Account Options Earn with Eco-Checking. Good for you. Good for us all. Point West Credit Union is rooted in the cooperative nature of credit unions - we are all about people helping people. And

More information

RATE SCHEDULE. Minimum Opening Deposit. Dividend Period. Monthly Monthly Monthly (Calendar) $5.00 $5.00

RATE SCHEDULE. Minimum Opening Deposit. Dividend Period. Monthly Monthly Monthly (Calendar) $5.00 $5.00 Dividend ACCOUNT TYPE Rate/Annual Percentage Yield (APY) Share/Savings 0.15 / 0.15 0.30 / 0.30 Looney Tunes 0.15/0.15 0.30/0.30 Christmas Club 0.75 / 0.75 1.00 / 1.00 Compounded DIVIDENDS Credited Dividend

More information

Ambassador Handbook. the new spectrum of banking since 1952

Ambassador Handbook. the new spectrum of banking since 1952 Ambassador Handbook the new spectrum of banking since 1952 www.technicolorfcu.org Technicolor Federal Credit Union is a not-for-profit, cooperative financial institution. It s similar to a bank, except

More information

TRUTH-IN-SAVINGS DISCLOSURE

TRUTH-IN-SAVINGS DISCLOSURE TRUTH-IN-SAVINGS DISCLOSURE SAVINGS The dividend rate and Annual Percentage Yield (APY) on your account is disclosed on the Security Service Federal Credit Union Current Dividend Rates sheet which accompanies

More information

welcome to the Erie Federal Credit Union Family Important account information for 1st Choice Community Federal Credit Union Members

welcome to the Erie Federal Credit Union Family Important account information for 1st Choice Community Federal Credit Union Members welcome to the Erie Federal Credit Union Family Important account information for 1st Choice Community Federal Credit Union Members Federally Insured by NCUA Dear 1st Choice Community FCU Member: welcome

More information

Welcome to Broward HealthCare Federal Credit Union

Welcome to Broward HealthCare Federal Credit Union Welcome to Broward HealthCare Federal Credit Union what is a credit union? Credit Unions are member-owned cooperatives; in fact, that s why savings in a credit union are technically called shares. Unlike

More information

TRUTH-IN-SAVINGS DISCLOSURE

TRUTH-IN-SAVINGS DISCLOSURE TRUTH-IN-SAVINGS DISCLOSURE LAST DIVIDEND DECLARATION DATE: 762015 The rates, fees and terms applicable to your account at the Credit Union are provided in this Truth-in-Savings Disclosure. The Credit

More information

SHARE ACCOUNT TRUTH IN SAVINGS

SHARE ACCOUNT TRUTH IN SAVINGS COREPLUS FEDERAL C.U. 202 SALEM TPKE NORWICH, CT 06360 860-886-0576 HTTP://WWW.COREPLUS.ORG SHARE ACCOUNT TRUTH IN SAVINGS Federally Insured by NCUA Equal Opportunity Lender *** Equal Housing Lender The

More information

Putting You First. A guide to your new accounts and services

Putting You First. A guide to your new accounts and services Putting You First A guide to your new accounts and services FirstMerit is committed to putting you first. For more than 165 years, we ve delivered solutions that help our customers finance homes, pay for

More information

TRUST. Understanding Your Deposit Account. Truth in Savings

TRUST. Understanding Your Deposit Account. Truth in Savings Understanding Your Deposit Account Truth in Savings TRUST MEMBER FDIC TRUTH-IN-SAVINGS DISCLOSURE Important Account Opening Information. Federal law requires us to obtain sufficient information to verify

More information

Dividends paid quarterly FREE ATM or Visa Check Card available FREE Internet account access and online bill pay

Dividends paid quarterly FREE ATM or Visa Check Card available FREE Internet account access and online bill pay Switch Kit for the Dividend Checking Account USF FCU Dividend Checking No monthly service charge No minimum balance requirement Unlimited check writing Overdraft protection available from share savings

More information

Personal Schedule of Fees

Personal Schedule of Fees Personal Schedule of Fees Effective May 6, 2016 bankofamerica.com Applies in all states. Bank of America, N.A. Member FDIC. 2016 Bank of America Corporation. 91-11-3000B 00-14-9299 29898 Table of Contents

More information

TRUTH IN SAVINGS DISCLOSURE

TRUTH IN SAVINGS DISCLOSURE TRUTH IN SAVINGS DISCLOSURE TABLE OF CONTENTS TERMS AND CONDITIONS TRUTH IN SAVINGS DISCLOSURE...... 2 BALANCE COMPUTATION METHODS. 2 DAILY BALANCE METHOD. 2 AVERAGE DAILY BALANCE METHOD. 2 AVAILABLE BALANCE..

More information

The Employee Benefit. That Is Even Better For The Employer. And it doesn t cost you a thing!

The Employee Benefit. That Is Even Better For The Employer. And it doesn t cost you a thing! The Employee Benefit That Is Even Better For The Employer And it doesn t cost you a thing! Exclusive Benefits For Your Organization & Your Employees Employee Benefits That Are Even Better For The Employer

More information

Truth in Savings Disclosure, Fee Schedule and Privacy Notice

Truth in Savings Disclosure, Fee Schedule and Privacy Notice Truth in Savings Disclosure, Fee Schedule and Privacy Notice Welcome to One Nevada Credit Union. We hope you enjoy the benefits of credit union membership and take advantage of our many affordable services.

More information

COMPARATIVE BALANCE SHEET Balances as of December 31, COMPARATIVE STATEMENT OF INCOME Balances as of December 31,

COMPARATIVE BALANCE SHEET Balances as of December 31, COMPARATIVE STATEMENT OF INCOME Balances as of December 31, COMPARATIVE BALANCE SHEET Balances as of December 31, ASSETS 2009 2008 Unsecured Loans 6,112,423 5,085,192 Mortgage/Home Equity Loans 13,022,496 11,949,860 New and Used Vehicle Loans 18,028,532 16,456,915

More information

TRUTH IN SAVINGS DISCLOSURE

TRUTH IN SAVINGS DISCLOSURE TRUTH IN SAVINGS DISCLOSURE Effective 2-15-2016 TABLE OF CONTENTS TERMS AND CONDITIONS TRUTH IN SAVINGS DISCLOSURE...... 2 BALANCE COMPUTATION METHODS. 2 DAILY BALANCE METHOD. 2 AVERAGE DAILY BALANCE METHOD.

More information

Personal and Business Checking and Savings Solutions

Personal and Business Checking and Savings Solutions 2015 Bank of Texas, a division of BOKF, NA. Member FDIC. Equal Housing Lender. TX CN 4000 Rev. 3/15 Personal and Business Checking and Savings Solutions Call our 24-Hour ExpressBank TABLE OF CONTENTS Personal

More information

TRUTH-IN-SAVINGS DISCLOSURE REGULAR SHARE ACCOUNT

TRUTH-IN-SAVINGS DISCLOSURE REGULAR SHARE ACCOUNT TRUTH-IN-SAVINGS DISCLOSURE REGULAR SHARE ACCOUNT Rate Information: The dividend rate and annual percentage yield may change every quarter. We may change the dividend rate for your account as determined

More information

Choose Alaska USA and save!

Choose Alaska USA and save! Choose Alaska USA and save! Open a new personal checking account with Alaska USA and get your first box of checks FREE. Alaska USA doesn t charge per-check fees regardless of how many you write per month.

More information

Checking & Savings Accounts. Essentials for your financial success

Checking & Savings Accounts. Essentials for your financial success Checking & Savings Accounts Essentials for your financial success The foundation for your financial success starts here Establishing a savings and checking account at Travis Credit Union is an introduction

More information

COMPARATIVE BALANCE SHEET Balances as of December 31, COMPARATIVE STATEMENT OF INCOME For the year ending December 31,

COMPARATIVE BALANCE SHEET Balances as of December 31, COMPARATIVE STATEMENT OF INCOME For the year ending December 31, COMPARATIVE BALANCE SHEET Balances as of December 31, ASSETS 2008 2007 Unsecured Loans 5,085,192 4,444,349 Mortgage/Home Equity Loans 11,949,860 10,429,249 New and Used Vehicle Loans 16,456,915 18,233,688

More information

Disclosure of Account Terms

Disclosure of Account Terms Disclosure of Account Terms Account Type Min. to open Daily Min Balance to obtain yield Basic Checking $0 N/A Choice Checking $0 N/A Premium Checking $0 N/A Statement Savings, Holiday Clubs $50 $300-24,999

More information

products & services Building lifelong relationships one member at a time.

products & services Building lifelong relationships one member at a time. products & services Building lifelong relationships one member at a time. Joining CDC FCU For more than 60 years, CDC Federal Credit Union has been helping our members achieve their dreams with quality

More information

Welcome to Bank of the West!

Welcome to Bank of the West! Welcome to Bank of the West! Please keep these important documents with your Deposit Account Disclosure booklet and retain them for future reference. Schedule of Fees and Charges for Personal Deposit Accounts...Page

More information

Offering Real Value To Our Members

Offering Real Value To Our Members strength knowledge trust care listen strength knowledge trust care ten strength eal knowledge Interest trust care listen strength knowledge trust listen strength knowledge trust care listen strength knowledge

More information

Truth-In-Savings Disclosure

Truth-In-Savings Disclosure Truth-In-Savings Disclosure EFFECTIVE JULY 1, 2008 SHARE/SAVINGS ACCOUNT Rate Information: The dividend rate and annual percentage yield may change every quarter. We Dividend period - For this account

More information

Personal Account Conversion Charts

Personal Account Conversion Charts Personal Account Conversion Charts 33 Simple Checking Columbia Checking Free Check Safekeeping 2 or estatements 7. Gold Checking, VIP Checking or Platinum Checking and the primary account holder is at

More information

CONSUMER DEPOSIT ACCOUNT TERMS AND CONDITIONS

CONSUMER DEPOSIT ACCOUNT TERMS AND CONDITIONS CONSUMER DEPOSIT ACCOUNT TERMS AND CONDITIONS WELCOME TO M&T A GUIDE TO THE TERMS OF YOUR PERSONAL DEPOSIT ACCOUNTS This section includes information about the names and features of your deposit accounts

More information

2014 Bank of Oklahoma, a division of BOKF, NA. Member FDIC. Equal Housing Lender.

2014 Bank of Oklahoma, a division of BOKF, NA. Member FDIC. Equal Housing Lender. 2014 Bank of Oklahoma, a division of BOKF, NA. Member FDIC. Equal Housing Lender. OK CN 4000 Rev. 11/14 Personal and Business Checking and Savings Solutions TABLE OF CONTENTS Personal Checking 02 Personal

More information

Checking & Savings Accounts Essentials for your financial success

Checking & Savings Accounts Essentials for your financial success Checking & Essentials for your financial success The foundation for your financial success starts here Establishing a savings and checking account at is an introduction to what we hope will be a lifelong

More information

CU NEW$ Home Equity Line of Credit. Fixed Rate Second Mortgage. Credit Union Closure Dates INSIDE THIS ISSUE

CU NEW$ Home Equity Line of Credit. Fixed Rate Second Mortgage. Credit Union Closure Dates INSIDE THIS ISSUE Huntington Beach City Employees Credit Union www.hbcecu.com (714) 536-6517 2000 Main Street, Rm. B-272 P.O. Box 910 Huntington Beach, CA 92648 October 2007 Home Equity Line of Credit Many members have

More information

Welcome Packet. The official merger date of ILWU-FSC FCU and ILWU Credit Union is February 1, 2016. 866.445.9828 www.iiwucu.org

Welcome Packet. The official merger date of ILWU-FSC FCU and ILWU Credit Union is February 1, 2016. 866.445.9828 www.iiwucu.org Welcome Packet The official merger date of ILWU-FSC FCU and ILWU Credit Union is February 1, 2016. Table of Contents Welcome to ILWU Credit Union page... 1 Important dates for you to know... 2 Explore

More information

LOUCHEM FEDERAL CREDIT UNION

LOUCHEM FEDERAL CREDIT UNION Main Office 4415 Cane Run Road Phone: 502.447.6300 Fax: 502.992.0448 LOUCHEM FEDERAL CREDIT UNION www.louchemfcu.org Courier-Journal/WHAS Office Courier-Journal Building Phone: 502.582.4530 Fax: 502.582.4585

More information

Gold Checking Frequently Asked Questions:

Gold Checking Frequently Asked Questions: Gold Checking Frequently Asked Questions: What are the benefits of Gold Checking? High- dividend on balances up to $15,000. Nationwide ATM fees refunded up to $25 a month. Free Online and Mobile Banking

More information

Consumer Pricing Information

Consumer Pricing Information Consumer Pricing Information Checking Package Options Minimum Opening Deposit Requirement to Waive ACCOUNT INFMATION 1. U.S. Bank Packages Prior to August 12, 2013: To maintain Package benefits, a Silver,

More information

Deposit Accounts. Deposit Accounts

Deposit Accounts. Deposit Accounts Deposit Accounts Deposit Accounts Heritage Valley s local banking team provides personal service that takes the stress out of day-to-day finances. We are committed to providing an effortless banking experience

More information

Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule

Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule (Effective August 20, 2015) REGIONS CHECKING With any Regions checking account, you get extra services to make banking

More information

Lakeside Bank. Where switching is easy.

Lakeside Bank. Where switching is easy. If you re tired of your bank, where else can you go? Lakeside Bank. Where switching is easy. We ll make you feel right at home. With employees who average 15 years of service, personal attention is second

More information

Welcome to. Patriots FCU Member Conversion Guide

Welcome to. Patriots FCU Member Conversion Guide Patriots FCU Member Conversion Guide Important information you need to know about your accounts and account conversion. Please review and retain for your records Welcome to Table of Contents Welcome...2

More information

General. Q. Where do I send a pay-off? A. Payoffs can be given to a Member Service Representative at the branch or mailed to:

General. Q. Where do I send a pay-off? A. Payoffs can be given to a Member Service Representative at the branch or mailed to: General Q. What is a credit union? A. A credit union is a not-for-profit organization that is owned by its members. The primary function of the credit union is to serve its members. Credit unions focus

More information

Conversion Guidebook IMPORTANT INFORMATION REGARDING CHANGES TO YOUR ACCOUNTS TERMS AND SERVICES FOR CUSTOMERS OF 1ST BANK

Conversion Guidebook IMPORTANT INFORMATION REGARDING CHANGES TO YOUR ACCOUNTS TERMS AND SERVICES FOR CUSTOMERS OF 1ST BANK Conversion Guidebook IMPORTANT INFORMATION REGARDING CHANGES TO YOUR ACCOUNTS TERMS AND SERVICES FOR CUSTOMERS OF 1ST BANK TABLE OF CONTENTS Table of Contents... 2 Welcome Letter... 3 Deposit Accounts...

More information

SERVICE FEE SCHEDULE All fees subject to change.

SERVICE FEE SCHEDULE All fees subject to change. SERVICE FEE SCHEDULE effective November 1, 2015 MEMBERSHIP Establish Justice FCU Membership Share Savings Account, minimum deposit $5.00 CHECKING ACCOUNT Monthly Service Charges Justice National Account,

More information

Truth in Savings Disclosure

Truth in Savings Disclosure First Community Credit Union Truth in Savings Disclosure Effective Date: 1702 Park Avenue Beloit, WI 53511 608-362-9077 6079 E. Riverside Blvd. Rockford, IL 61114 815-316-3052 2701 N. Pontiac Drive Janesville,

More information

P.O. Box 1329 Stockton, CA 95201-1329 (209) 444-5300 (800) 675-5114 www.centralstatecu.org

P.O. Box 1329 Stockton, CA 95201-1329 (209) 444-5300 (800) 675-5114 www.centralstatecu.org Share Accounts Christmas Club Account IRA Accounts Share Draft Accounts Certificate Accounts Electronic Fund Transfers Funds Availability Unclaimed Property Law Account Agreements P.O. Box 1329 Stockton,

More information

welcome to Credit Union of Southern California MEMBER WELCOME GUIDE

welcome to Credit Union of Southern California MEMBER WELCOME GUIDE welcome to Credit Union of Southern California MEMBER WELCOME GUIDE Table of Contents MISSION, VISION, VALUES 2 WELCOME 3 AN EASY TRANSITION What Will Not Change, What May Change, and What Will Change

More information

BENEFITS QUALIFICATION CYCLE REQUIREMENTS

BENEFITS QUALIFICATION CYCLE REQUIREMENTS BENEFITS What are the benefits of MidWest Reward Checking? Earn 1.51% APY (Annual Percentage Yield) on balances through $10,000 Earn 0.26% APY on any amount in excess of $10,000 ATM fees refunded up to

More information

Welcome. Details you must know regarding your Bank of Sacramento personal accounts are enclosed.

Welcome. Details you must know regarding your Bank of Sacramento personal accounts are enclosed. Welcome Details you must know regarding your Bank of Sacramento personal accounts are enclosed. It is very important you are aware of upcoming deadlines and ramifications of the conversion to Banner Bank.

More information

Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule

Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule Personal Checking, Money Market, Savings, Time Deposit & IRA Accounts Pricing Schedule (Effective November 6, 2015) REGIONS CHECKING With any Regions checking account, you get extra services to make banking

More information

Frequently Asked Questions

Frequently Asked Questions Frequently Asked Questions I noticed there was a $10 membership fee on the fee schedule. Will I need to pay the $10 to continue my membership? Since you are already a member, you are not required to pay

More information

DISCLOSURE & AGREEMENT OF TERMS AND CONDITIONS

DISCLOSURE & AGREEMENT OF TERMS AND CONDITIONS Disclosure & Agreement of Terms and Conditions Applying to SchoolsFirst FCU Member Accounts DISCLOSURE & AGREEMENT OF TERMS AND CONDITIONS This Disclosure & Agreement is presented for your information.

More information

RATE SCHEDULE PROSPECTIVE ANNUAL PROSPECTIVE

RATE SCHEDULE PROSPECTIVE ANNUAL PROSPECTIVE Rate Schedule Effective as of: 10/01/2015 This (TIS) Rate and Fee Schedule and Share Certificate Disclosure sets forth certain conditions, rates, fees, and charges applicable to your Primary Share (Savings)

More information

Checking Services (Share Draft Accounts)

Checking Services (Share Draft Accounts) Checking Services Checking Services (Share Draft Accounts) UCF FCU makes simple and convenient. Our accounts (called share draft accounts), offer flexible choices to access funds and make purchases - pay

More information

TRUTH IN SAVINGS DISCLOSURE. Strong. Stable. Local. Personal.

TRUTH IN SAVINGS DISCLOSURE. Strong. Stable. Local. Personal. TRUTH IN SAVINGS DISCLOSURE Strong. Stable. Local. Personal. MAY 2015 THIS TRUTH IN SAVINGS DISCLOSURE BOOKLET includes information you need to know about deposit accounts at 1st Source Bank. It notes

More information

Personal Checking & Savings Options

Personal Checking & Savings Options Personal Checking & Savings Options Smart solutions for individuals and families Many Flexible Options to Fit Any Lifestyle. Checking Account Comparison Find the right checking account for you by using

More information

Pima Federal Visa Credit Cards Frequently Asked Questions (FAQs)

Pima Federal Visa Credit Cards Frequently Asked Questions (FAQs) Pima Federal Visa Credit Cards Frequently Asked Questions (FAQs) (Effective May 2013) APPLICATION PROCESS Q: Who can apply for a Pima Federal Visa Credit Card? A: Any member of Pima Federal is eligible

More information

MEMBERSHIP. Benefits PRODUCTS & SERVICES

MEMBERSHIP. Benefits PRODUCTS & SERVICES MEMBERSHIP Benefits PRODUCTS & SERVICES Accessing Your Accounts 4-7 Mortgages 8-11 Auto & Consumer Loans 12-13 Personal Loans 14-15 VISA 16-17 Checking & Deposit Accounts 18-21 Financial Education 22-23

More information

Bank on the Difference

Bank on the Difference Bank on the Difference THE BENEFITS OF AFFILIATION Wouldn t it be great if you could offer more valuable employee benefits at no additional cost? Affiliation with Central Credit Union can help you do just

More information

Eco: Personal Finance

Eco: Personal Finance Name Project Date: Eco: Personal Finance 1. Go to one of the following sites, or choose your own bank and answer the questions below. Be sure the bank you choose has local branches. www.bankofamerica.com

More information

Welcome. Important information about the transfer of your personal bank account from Siuslaw to Banner Bank

Welcome. Important information about the transfer of your personal bank account from Siuslaw to Banner Bank Welcome Important information about the transfer of your personal bank account from Siuslaw to Banner Bank Siuslaw Bank becomes Banner Bank on March 6, 2015 In this booklet, you ll find important information

More information

Options Are Good To Have

Options Are Good To Have DIRECTORS Fred H. Bierbaum, Sr. Chairman Options Are Good To Have Dennis M. Johnson Vice Chairman Thomas D. Farnsworth Treasurer Janet E. Brewer Secretary Richard J. Albert Fred S. Browne, Jr. Gilbert

More information

TABLE OF CONTENTS: Holiday, Vacation & Club Accounts... 10. Account Conversion... 2. Identity Theft Recovery Plan... 10. Account Number...

TABLE OF CONTENTS: Holiday, Vacation & Club Accounts... 10. Account Conversion... 2. Identity Theft Recovery Plan... 10. Account Number... TABLE OF CONTENTS: Account Conversion... 2 Account Number... 2 Account Ownership/Share... 2 ACH Payments/Payroll... 2 ATM Cards... 2 ATMs/ATM Locator... 2 Bill Pay Online... 3 Branches... 3 Certificate

More information

SMALL BUSINESS BANKING

SMALL BUSINESS BANKING SMALL BUSINESS BANKING for your business GET MORE FROM YOUR BANKING RELATIONSHIP We understand that there are no two businesses alike. In fact, in today s competitive environment, business owners have

More information

Over $1,700 in total value and savings! TABIA Business and Personal Banking Program

Over $1,700 in total value and savings! TABIA Business and Personal Banking Program Over $1,700 in total value and savings! TABIA Business and Personal Banking Program July 27, 2012 Program Overview RBC Royal Bank is pleased to provide TABIA members with a special banking program for

More information

Your hometown credit union. Switch Kit

Your hometown credit union. Switch Kit Your hometown credit union. Switch Kit Are you ready to switch? Start enjoying prompt, friendly and efficient service from people you trust and faces you know. Because Granite Hills Credit Union is member-owned,

More information

Conversion Guidebook

Conversion Guidebook Conversion Guidebook Important information about changes to account terms and services for customers of Valley National Bank Table of Contents Welcome to Century Bank 1 Deposit Accounts 2 Personal Checking

More information

Rewards Banking. The more you bank, the more benefits you receive. Earn higher rates on select products. Take advantage of account services

Rewards Banking. The more you bank, the more benefits you receive. Earn higher rates on select products. Take advantage of account services Rewards Banking The more you bank, the more benefits you receive. Earn higher rates on select products Take advantage of account services Save with special discounts Get money back on select fees All Rabobank

More information

Becoming. A Family Member

Becoming. A Family Member Becoming A Family Member Are you an employee of one of our Community Partners? Do your children attend school in one of our partnering schools in Jackson and Ingham counties? Are you involved with any

More information

SOLUTIONS to Your Financial Needs. MEMBERSHIP Eligibility. Best of all, once a member, always a member; even if you move, change jobs, or retire.

SOLUTIONS to Your Financial Needs. MEMBERSHIP Eligibility. Best of all, once a member, always a member; even if you move, change jobs, or retire. SOLUTIONS to Your Financial Needs WHAT IS A CREDIT UNION? A credit union is a not-for-profit financial institution owned and operated by its members. It s comprised of people with a common bond something

More information

We are committed to making this transition simple and straightforward for you.

We are committed to making this transition simple and straightforward for you. September 6, 2011 We are delighted to welcome you to First Financial Bank. During the weekend of September 23, 2011,* select deposit and consumer loan accounts opened at the Liberty Savings Bank financial

More information

WE RE GLAD YOU RE HERE!

WE RE GLAD YOU RE HERE! WE RE GLAD YOU RE HERE! Your New Georgia United Account information Online & Mobile We offer Access and Convenience services that are simple, convenient and set us apart from other financial institutions.

More information

Program Overview. Preferred Premier Platinum

Program Overview. Preferred Premier Platinum Program Overview Picatinny Relationship Rewards is everything you would expect from a financial rewards program and more. The program is designed to reward members for achieving their goals through a full

More information

Fee Schedule: Personal Products & Services

Fee Schedule: Personal Products & Services Fee Schedule: Personal Products & Services New York October 1, 2015 For use with Account Agreement and Disclosures Fee Schedule: Personal Products & Services Please see page 11-12 for explanation of all

More information

MEMBERSHIP GUIDE CONTACT US. Website: www.guthriefcu.org. Sayre Main Office 104 N. Elmer Avenue Sayre, PA 18840

MEMBERSHIP GUIDE CONTACT US. Website: www.guthriefcu.org. Sayre Main Office 104 N. Elmer Avenue Sayre, PA 18840 CONTACT US MEMBERSHIP GUIDE Sayre Main Office 104 N. Elmer Avenue Sayre, PA 18840 Tel: (570) 888-7135 Toll free: (877) 493-6161 Fax: (570) 882-9564 Email: info@guthriefcu.org Troy Branch Office 454 Canton

More information

Choices BANKTENNESSEE

Choices BANKTENNESSEE Choices BANKTENNESSEE Choices Banking is personal again! You ve made a great decision to choose BankTennessee. We re known for our personal service and our dedication to making our customers lives better.

More information