Credit Union checking accounts are called share draft accounts. There is no limit to the number of checks or share drafts you can write each month.

As part of this account, you may also request a Visa Check Card to be used for purchases and cash advances using this account. You may use your Visa Check Card to make purchases or withdraw cash at any merchant or ATM anywhere that the "Visa" logo is displayed.

Direct Deposit and ACH transactions are also available with this account. The first 50 share drafts are printed free of charge. Members may choose from a large selection of check styles. Prices of the check reorders will vary depending on the style chosen. Please see the credit union for details.

You must maintain a minimum average daily balance of $500 in your account in order to obtain a monthly dividend. Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in your account. The dividend rate and annual percentage yield are subject to change every dividend period as determined by the credit union board of directors.


Truth-In-Savings Disclosure Information

Annual Percentage Yield as of Last Dividend Declaration Date 0.50% APY
Dividends Compounded Monthly
Dividends Credited Monthly
Dividend Period Monthly
Minimum Opening Deposit None
Minimum Balance to Avoid Service Charge None
Minimum Average Daily Balance to earn the Stated APY $500.00
Balance Method Average Daily Balance


Additional Services

As part of your membership, the following additional services are available to you:
• American Express Travelers Checks
• Credit Disability Insurance
• Direct Deposit
• Family Membership - Any family member may join the credit union!
• Money Orders
• NADA Used Car Value Quotes
• New Car Invoice Pricing
• Newsletter
• Night Depository
• Payroll Deduction
• 24/7 Audio Response System
• Visa Check Card
• Home Banking
• E-Statements
• GAP Insurance
Many of these services are provided at no charge, however the following services are subject to a fee.

Fees:
Corporate Share Draft $1.00 each
Deposited Item Returned $10.00 each
Drafts Drawn on Closed Account $15.00 each
Money Order $0.50 each
NSF Item (share draft or ACH) $25.00 each
Share Draft Copy $3.00 each
Statement Copy $6.00 each
Statement Reconciliation $10.00 hour (minimum one hour)
Stop Payment $10.00 each
Visa Check Card Replacement $5.00 each
Wire Fee $15.00 each