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First Basin Credit Union Info and Locations

Written by on March 19, 2012 · Leave a Comment

first basin credit unionFirst Basin Credit Union is proud to be voted The Best of the Basin four times in a row by the OA Readers Choice. We thank our loyal members and friends for this honor. The last two years First Basin has also been voted Best loan Company and Best Customer Service. At first Basin, we always put you first with our friendly staff, competitive products and super fast service.  We’re there when you need us to cheer you on and help you find the boost you need to win the financial race. When you need a team member you can count on, think First Basin Credit Union. You’re going to like coming in first!

At FBCU, we don’t charge you a fee to use your debit card or to have a checking account. We offer personal service and go the extra mile for our members. We have better rates of return on our savings and Money Market accounts and competitive mortgage and home equity loans.

Free mobile app, 24/7 home banking, online bill pay, Genie the automated telephone teller, e-Statements…At First Basin Credit Union, we strive to provide our members with the latest in technology and ease of access to their accounts. Make a loan payment online, pay your water bill, transfer funds into your savings account, check your balance with your mobile device, and much more… All at your fingertips and for your convenience.

First Basin Credit Union Accounts

Free Checking Account-

No minimum required balance
- Free online bill pay service
- No per-check charge
- Overdraft protection available
- VISA check card
- Direct deposit and payroll deduction
- Free Notary Service

Business Checking Account-

With First Basin Credit Union it only takes $200 minimum opening balance
- Free Internet Bill Pay
- Free Visa Check Card
- 5 free check copies per month
- Duplicate checks offered so you have a copy of checks written
- $500 Courtesy Pay available
- Unlimited check writing privilege
- Free change orders
- Free Financial Fitness Planning Advisor

Money Market-

Interest compounded daily and paid monthly
- No account limitations on withdrawals or deposits
- $2,500 minimum balance to earn dividends based on average daily balance
- Dividend rate posted with Rates & Fees

Kids’ Account-

First Basin Credit Union has a Minimum balance of a $5.00 to earn dividends
- Available to all members under the age of 18.
- Unlimited deposits and withdrawals with parental authorization.
- Dividends compounded monthly and paid quarterly.
- Legal guardian / parent / adult must be joint owner of the account.
- Dividend rate posted with Rates & Fees

Christmas / Vacation Account-

Savings accounts available for regular deposits through payroll deduction or automatic transfers.
- Minimum balance to earn dividends is $500.00
- Interest compounded monthly and paid quarterly
- Vacation account withdrawals can be made from May 1st to July 31st without penalty
- Christmas account withdrawals can be made from November 1st to
- December 24th without penalty
- Penalty for early withdrawals is closure of account until the first business day of the next year
- Dividend rate posted with Rates & Fees

Genie

Genie is your Automated Hotline To Your Credit Union Accounts

At First Basin Credit Union, we strive to offer our Members the best possible service. GENIE is ready to serve you 24 hours a day, seven days a week at no charge!*

With your account number and personal identification number (PIN) you can access your accounts at your convenience, whether you’re in town or across the globe. You can reach GENIE at (432) 333-5622 or (800) 477-2188.

When you call GENIE, an automated teller voice will guide you through each step required to complete your transaction. You will be able to choose from a variety of options that will make your transaction quick and easy.

*Genie is unavailable from 10:00 p.m. to 11:30 p.m daily.

Investment Solutions Group

Not all of the concepts and ancillary programs described in this website are available through PlanMember Securities Corporation, Inc., but are only available exclusively through Financial Fitness represented on this website.

First Basin Credit Union Financial Fitness provides Life and Health Insurance, Long Term Care and Fixed Annuities and PlanMember Securities Corporation disclaims all responsibility and liability for such advice.

Representative registered with and securities and advisory services offered through PlanMember Securities Corporation, a registered broker/dealer, investment advisor and member FINRA / SIPC. 6187 Carpinteria Ave., Carpinteria, CA 93013. (800) 874-6910. Financial Fitness and PlanMember Securities Corporation are independently owned and operated. (if applicable)

First Basin Credit Union has a FREE mobile application for your iPhone that allows you to access your account, view current rates, read the latest news from First Basin and guide you to the nearest Branch or ATM.

24/7 Access
Convenient mobile access to manage your First Basin accounts, view transaction history, make a loan payment and transfer funds.

Safe and Secure
First Basin Credit Union uses only the safest and most secure methods of electronic access to your account. You can rely on the same level of data protection from our mobile application that you receive when you access your account from your desktop browser.

Location Location Location
First Basin’s mobile application can assist you in locating the nearest branch or ATM based on your current location.

First Basin Credit Union Rates & Fees

Share Rates

*Regular Share Account-

Interest Rate: 0.250%

Annual Percentage Yield: 0.25%
*Interest Rate: 0.747%
*Annual Percentage Yield: 0.75%

Interest Compounded: Daily
Interest Credited: Quarterly
Minimum Opening Deposit: $25.00
Minimum Balance to Avoid a Service Fee: NONE
Minimum Balance to Earn the Stated APY: $1,000.00
*Minimum Balance to Earn the Stated APY: $15,000.00
Balance Method: Average daily balance

**Checking Plus-

Interest Rate: 0.200%
Annual Percentage Yield: 0.20%

Interest Compounded: Daily
Interest Credited: Monthly
Minimum Opening Deposit: $100.00
Minimum Balance to Avoid a Service Fee: First Basin Credit Union has none
Minimum Balance to Earn the Stated APY: $500.00
Balance Method: Daily balance

*Kids Club Accounts-

Interest Rate: 0.747%
Annual Percentage Yield: 0.75%

Interest Compounded: Monthly
Interest Credited: Quarterly
Minimum Opening Deposit: $5.00
Minimum Balance to Avoid a Service Fee: NONE
Minimum Balance to Earn the Stated APY: $5.00
Balance Method: Average daily balance

**First Basin Credit Union Christmas Club Accounts-

Interest Rate: 0.747%
Annual Percentage Yield: 0.75%

Interest Compounded – Daily
Interest Credited – Quarterly
Minimum Opening Deposit – $500
Minimum Balance to Avoid a Service Fee – NONE
Minimum Balance to Earn the Stated APY – $500.00
Balance Method – Average daily balance

**Vacation Club Accounts-

Interest Rate: 0.747%
Annual Percentage Yield: 0.75%

Interest Compounded: Daily
Interest Credited: Quarterly
Minimum Opening Deposit: None
Minimum Balance to Avoid a Service Fee: NONE
Minimum Balance to Earn the Stated APY: $500.00
Balance Method: Average daily balance

**Platinum Money Market Account-

Check First Basin Credit Union balance Rate APY
$2,500 to $14,999 0.449% 0.45%
$15,000 to $24,999 0.747% 0.75%
$25,000 and above 0.846% 0.85%

Interest Compounded: Daily
Interest Credited: Monthly
Minimum Opening Deposit: None
Minimum Balance to Avoid a Service Fee: NONE
Minimum Balance to Earn the Stated APY: $2,500
Balance Method: Average daily balance

Certificate Accounts and IRAs

6 month CD 0.300% apr 0.30% APY
12 month CD 0.499% apr 0.50% APY
24 month CD 0.995% apr 1.00% APY
36 month CD 1.292% apr 1.30% APY
60 month CD 1.489% apr 1.50% APY

12 month IRA / CD 0.499% apr 0.50% APY
24 month IRA / CD 0.995% apr 1.00% APY
36 month IRA / CD 1.292% apr 1.30% APY
60 month IRA / CD 1.489% apr 1.50% APY

FBCU requires a $1,000 minimum balance to open.
Annual percentage yield (APY) paid if dividend is returned in certificate.
Penalties will be charged for early withdrawals.
Dividend rates are subject to change.
Dividends compounded daily and paid monthly.

West County Road Branch

2740 N. County Rd West
Odessa, TX 79764

Lobby Monday – Friday 8:30 – 5:30
Saturday 9:00 – 1:00
Drive Thru Monday – Friday 7:30 – 6:00
Saturday 9:00 – 1:00
ATM Yes
 
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First Basin Credit Union Golder Branch

713 N. Golder
Odessa, TX 79761

Lobby Monday – Friday 8:30 – 5:30
Drive Thru Monday – Friday 7:30 – 6:00
ATM Yes

View Larger Map

8th Street Branch

8th Street
1010 E. 8th
Odessa, TX 79761

Lobby Monday – Friday 9:00-1:30
Drive Thru No
ATM No

 
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Grandview Branch
4217 Grandview Ave.
Odessa, TX 79762

Lobby Monday – Friday 8:30-5:30
Drive Thru Monday – Friday 7:30-6:00
ATM Yes

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First Basin Credit Union Andrews Highway Branch

5509 Andrews Hwy
Midland, TX 79707

Lobby Monday – Friday 8:30-5:30
Saturday 9:00 – 1:00
Drive Thru Monday – Friday 7:30-6:00
Saturday 9:00 – 1:00
ATM Yes

 

  
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Midland Drive Branch
3316 N. Midland Drive
Midland, TX 79707

Lobby Monday – Friday 8:30-5:30
Drive Thru Monday – Friday 7:30-6:00
Saturday 9:00 – 1:00
ATM Yes

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Andrews Branch

1205 N.E. 1st Street
Andrews, TX 79714

Lobby Monday – Friday 8:30-5:30
Drive Thru Monday – Friday 7:30-6:00
Saturday 9:00 – 1:00
ATM Yes
 
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Categories: Credit Unions - Tags:

University Federal Credit Union | The U of U

Written by on March 9, 2012 · Leave a Comment

University Federal Credit UnionAt University Federal Credit Union our focus is on people, not profits. We strongly believe that fair and honest products, along with outstanding customer service, are what have made UFCU Austin’s largest locally-owned financial institution, including a full-service financial center in Galveston.

In today’s economic turmoil, it’s more important than ever to place your savings in a financial institution you can trust. At UFCU, your savings are safe. We have the highest possible financial rating in our industry, and your savings are fully insured up to at least $250,000—and even more, if you have a combination of individual, joint, payable-on-death, and other types of accounts. Not one penny of insured savings has ever been lost by a member of a federally insured credit union. And U.S. taxpayers have never bailed out a federally insured credit union!

Here at University Federal Credit Union you are not just an account number, but a partner with UFCU’s employees, creating a credit union which we can all be proud of. We work to earn your business by assisting you with your financial education, and by listening to your suggestions about how we can improve our credit union. You participate in the election of our Board of Directors, nominated from local business leaders who possess the credentials you’d expect to lead a multi-million dollar financial institution. By keeping our Directors local, we have the advantage of first-hand knowledge of local markets and customer needs.

University Federal Credit Union Accounts

Checking Accounts: -

Wouldn’t it be great to have more time to actually enjoy your money instead of watching over your checkbook? With UFCU’s four checking accounts, you choose the best option to manage your day-to-day finances.

Access your account information and cleared checks via Online Banking 24/7. Set up an Account Alert to be notified by email when a check has cleared your account and make deposits to your account through eDeposits. It’s safe, secure, and easy!

The following services are FREE for all UFCU checking accounts: Instant Issue VISA®Debit/Check Card, Online Banking, Mobile Banking, Bill Pay, eStatements, eDeposits, Account Alerts, Phone Banking and access to over 250 ATMs in Austin and Central Texas.

Use our  comparison chart to help decide what type of checking account is right for you.

Free Checking-

When we say free, we really mean it. University Federal Credit Union offers Free Checking with no monthly service fees or minimum requirements.

FREE Services:

  • Instant Issue VISA® Debit/Check Card
  • Online Banking
  • Mobile Banking
  • Bill Pay
  • eStatements
  • eDeposits
  • Account Alerts
  • Phone Banking
  • Access to over 250 ATMs in Austin and Central Texas
Plus Checking -UFCU’s Plus Checking offers higher interest rates* than Free Checking, certificate bonus rates, and the following free services.

  • Instant Issue VISA® Debit/Check Card
  • Online Banking
  • Mobile Banking
  • Bill Pay
  • eStatements
  • eDeposits
  • Account Alerts
  • Phone Banking
  • Access to over 250 ATMs in Austin and Central Texas

There is a $10 fee, if combined month-end balances**, fall below $2,500.

Premium checking-

University Federal Credit Union Premium checking account offers higher interest rates* than Plus Checking, certificate bonus rates, and the ability to apply for a Premium Travel Rewards Credit Card which has no annual fee, rates starting at 13.9% and no expiration on travel miles.

  • Instant Issue VISA® Debit/Check Card
  • Online Banking
  • Mobile Banking
  • Bill Pay
  • eStatements
  • eDeposits
  • Account Alerts
  • Phone Banking
  • Access to over 250 ATMs in Austin and Central Texas

There is a $15 fee, if average daily balance falls below $10,000.

Teen Checking-

Teach your teen to manage their finances with UFCU’s Teen Checking. University federal Credit Union Teen Checking earns a great rate* on balances up to $500. We recommend that FoolProof modules 1 – 4 are completed and passed. Teen must be the primary account holder with a Social Security number. Legal guardian(s) must be joint owner(s). Account automatically converts to Free Checking on 18th birthday. Limited to one Teen Checking account per Social Security number and must be 13-17 years of age.

  • Instant Issue VISA® Debit/Check Card
  • Online Banking
  • Mobile Banking
  • Bill Pay
  • eStatements
  • eDeposits
  • Account Alerts
  • Phone Banking
  • Access to over 250 ATMs in Austin and Central Texas

UFCU Savings Accounts: -

Whether you’re saving for a rainy day, a major purchase, or your next great vacation, University Federal Credit Union offers an account to meet your needs.

  • Regular Savings
    Establish your UFCU membership with our basic savings plan.
  • Kidz Savings
    The perfect way to introduce youngsters to the adult world of money management.
  • Teen Savings
    Savers between 13 and 17 can begin building a financial history with this no-fee account.

Access your account information 24/7 via Online Banking. Receive instant notifications about your accounts, such as when an account falls below a certain balance. Make deposits to your account through eDeposits.

Money Market-

Money Market Plus and Money Market Premium

Enjoy the rates, security and flexibility that come with our Money Market Plus and Money Market Premium Accounts.

With UFCU’s Money Market Plus and Money Market Premium accounts, you have quick and easy access to your funds while earning a great interest rate. You can make deposits in any amount and perform over-the-counter withdrawals at any time, without penalty. Receive free checks, monthly statements to track account transactions and dividends, the ability to access your account 24/7 via Online Banking and Membership Rewards.

Features Money Market Plus Money Market Premium
Minimum to Open $2,500 $25,000
Monthly Service Fee $10 if balance is below $2,500 on the last day of the month None
Free Phone Banking Yes Yes
Free Online Banking Yes Yes
Access to your Funds Any time Any time
Monthly Statements Yes Yes
Custom Checks Yes Yes
Over-the-Counter Transactions and Withdrawals Unlimited Unlimited
Pre-Authorized Withdrawals 6 per month 6 per month
Dividends Paid Compounded and paid monthly Compounded and paid monthly
Certificates -

Short-term and long-term certificates tailored to meet your investment goals

University Federal Credit Union offers members a variety of certificate types to meet your unique needs. All our certificates earn a competitive rate, and you can access your account 24/7 via Online Banking.

Web Certificates

Open a certificate online! Log in to Online Banking (if you’re not enrolled in Online Banking, you can enroll online) and select “Open New Account” to open your certificate, it’s that easy.

  •  Minimum opening deposit of $2,500
  • Available in the following terms: 3, 6, 12, 24, 36, 48 and 60 months
  • Dividends, calculated by the daily balance method, paid monthly
  • Monthly compounding
  • Auto renewable certificate
  • Dividends re-invested in certificate upon auto-renewal
  • A penalty may be imposed for withdrawals before maturity

Fixed Rate Certificates

  • Minimum opening deposit of $1,000
  • Available in the following terms: 3, 6, 12, 24, 36, 48 and 60 months
  • Dividends, calculated by the daily balance method, paid monthly
  • Monthly compounding
  • Rates depend on term of the certificate
  • A penalty may be imposed for withdrawals before maturity
  • Auto renewable certificate

Step-Up Certificates

University Federal Credit Union has Step-Up Certificates that will enable members to increase the rate on a one-time basis and add funds to the original principal amount at the time the certificate rate is increased.

  • Applicable to 24 month fixed rate certificates only
  • One time opportunity to increase the rate to the UFCU traditional 24 month rate at any time during the life of the certificate
  • When the step-up option is activated, a deposit (optional with no limit on the amount) to the certificate may be made
  • Dividends, calculated by the daily balance method, paid monthly
  • Monthly compounding
  • Original dividend rate is lower than the traditional 24 month certificate rate
  • A penalty may be imposed for withdrawals before maturity
  • Auto renewable certificate
  • A Step-Up Certificate cannot be used as security for a loan

Early Saver Certificates

The Early Savers certificate is ideal for young savers age 17 and under.

  • Must have Kidz or Teen Savings account
  • Only one Early Saver certificate per Social Security Number
  • Minimum opening deposit of $100
  • 12 month; variable rate
  • Dividends, calculated by the daily balance method, paid monthly
  • Monthly compounding
  • Tiered Rates
  • A penalty may be imposed for withdrawals before maturity
  • Auto renewable
  • Additional deposits can be made at any time and in any amount
IRA (Individual Retirement Account) -
What is an IRA?

An IRA (Individual Retirement Account) is a personal, tax-deferred investment plan designed to help you save for retirement. With an IRA, you can continually earn compounded and tax-deferred dividends until your retirement when you withdraw your money. In some cases, earnings can be withdrawn tax free. Most UFCU members with earned income are eligible to establish an IRA. IRAs are insured to a maximum of $250,000 by the National Credit Union Administration.

University Federal Credit Union offers both Traditional and Roth IRAs, and both types of accounts can be fixed or variable rate. Check with your tax advisor for the best type of IRA for you and to learn your contribution limits.

Traditional IRA

The Traditional IRA allows you to defer taxes on your earnings until they are withdrawn. Contributions are tax deductible in the tax year for which they are made.

Roth IRA

The Roth IRA is a non-deductible account that features tax-free withdrawals, for certain distribution reasons, after a five-year holding period. Since contributions are non-deductible and taxed in the year earned, people who expect to be in a higher tax bracket when they retire can benefit more from these accounts than from a Traditional IRA. Deposits are allowed any time without required distribution based on IRA age.

Step-Up IRA

The Step-Up Certificate will enable you to raise the rate on a one-time basis and increase the original principal amount at the time the certificate rate is raised.

Compare IRAs

Variable Rate Fixed Rate Step-Up
Minimum deposit $100 $1,000 $1,000
Dividends Calculated & paid monthly Calculated daily; paid monthly Calculated daily; paid monthly
Monthly Compounding Yes Yes Yes
Terms N/A 6 months – 5 yrs 2 yrs
Rates Variable Based on term Original rate is lower than the traditional 2 yr certificate rate
Education Savings Account-

Invest in a CESA to financially prepare for your child’s education.

University Federal Credit Union offers The Coverdell Education Savings Account (CESA), which allows individuals making less than $110,000, or couples jointly filing and earning less than $220,000, annually, to contribute, on behalf of any child, to an account that can be used to pay for that child’s elementary, secondary or higher education.

Annual contributions to a CESA, for a child under 18, cannot exceed $2,000 and are allowed apart from contributions to Traditional IRAs, Roth IRAs or employer sponsored plans. Earnings are free from federal taxation as long as the funds are used to pay education expenses and are withdrawn before the child reaches 30.

For more information or to open a CESA, stop by a UFCU financial center or contact us by phone.

University Credit Union Loans

Auto Loans-

Financing Your Loan with UFCU

University Federal Credit Union offers low rates and flexible terms that is a perfect fit for anyone’s automotive needs. Apply for a loan today.

Rates/Membership Rewards

University Federal Credit Union values your membership and thinks you deserve a reward. Our Membership Rewards Program offers a rate discount (maximum of 1.50%) on most secured consumer loans. The more you use the cooperative, the more you save!

Second Chance

Let us pay you to refinance your loan! If you have a vehicle loan with another financial institution and you refinance with UFCU, we’ll pay you $50.

Learn more about Second Chance loans, or refinance your vehicle today.

GAP (Guaranteed Asset Protection)

Did you know that if your vehicle is totaled or stolen, that you could face a financial risk that your auto insurance policy may not cover? Guaranteed Asset Protection coverage protects you against this risk!

Learn more about GAP, or get an instant quote today.

MBP (Mechanical Breakdown Protection)

Mechanical Breakdown Protection, also known as a Vehicle Service Contract or an Extended Warranty, covers unexpected mechanical breakdowns above and beyond the original manufacturer’s warranty. While your contract is in effect, you are assured that covered components of your vehicle will be repaired in the event of failure, including parts and labor charges less any deductible that may apply.

Learn more about MBP, or get a free, no obligation quote with University Federal Credit Union.

Debt Protection

More than ever, we all worry about what might happen tomorrow. For those times when life takes an unexpected turn, achieve an important sense of financial security with Debt Protection.

Real Estate Mortgage Loans -

What is the best mortgage for you? The answer depends on a wide array of factors including:

  • How much money you have available for a down payment
  • Your income and debts
  • Your credit history
  • The type of property
  • Your short- and long-term plans
  • How long you plan to live in the home
  • Whether you’re buying a new home, or a resale.

And the list continues. At University Federal Credit Union, we have mortgage experts who will ask you these questions and more in an effort to help find the right mortgage for your needs and your life plans. We offer fixed conventional rate loans, and jumbo loans for mortgages larger than $417,000.

Education Loans-University Federal Credit Union has helped fund the education of students for nearly 30 years at nearly 200 domestic and international universities, including The University of Texas at Austin, St. Edward’s University, Concordia University, Huston-Tillotson University, and Austin Community College. We are continuing that tradition with the new UFCU Private Education Loan Program. For a list of rates and eligible schools, visit our Private Student Loan page.On June 30, 2010, the Obama Administration signed into law the Health Care and Education Reconciliation Act of 2010 which ended the 45-year old Federal Family Education Loan Program. UFCU can no longer offer Federal Education Loans.The Ensuring Continued Access to Student Loans Act of 2008, gave the Department of Education (DOE) authority to purchase student loans from lenders. The program was designed to assist lenders for the 2008-2009 and 2009-2010 academic years only.

If you have loans with UFCU as well as loans with the Department of Education, you may want to consider consolidating your University Federal Credit Union loans with your Department of Education Loans. Consolidating allows you to combine several student or parent loans into one single loan, extend a large loan balance to a longer repayment term, or reduce monthly payments. Depending on the loan amount, the term of the loan can typically be extended from 12 to 30 years.

Secured Loans-

University Federal Credit Union members can take advantage of lower borrowing costs though personal loans secured by your savings account or share certificate account. A share secured or certificate secured loan allows you to keep your assets in savings, and use them as security guaranteeing your personal loan.Because these loans mean less risk to us, you benefit with lower rates.

You can maintain your savings, receive the money you need for your purchase, and then repay the loan at a much lower rate than other loans because you’re essentially borrowing the money from yourself. And your savings or certificate continues to earn dividends.

How they work

  • Borrowed funds are secured by a savings account or a share certificate.
  • Your secured funds continue to earn dividends.
  • Rates are 3% over stated dividend rate.
  • Secured funds are released as the loan principal is paid down.
  • Credit life and disability insurance is available.
Signature Loans-University Federal Credit Union signature loans offer competitive rates, and payments can be automatically deducted from your UFCU account. Choose from a line-of-credit, fixed term unsecured loan or debt consolidation loan.Line-of-CreditWhen you want to have extra cash available for emergencies, but don’t want to pay interest until you use it, UFCU’s line-of-credit is the perfect solution. A line-of-credit provides access to your cash whenever you need it, 24 hours a day, through any University Federal Credit Union ATM machine or our phone banking or Online banking services. Use just what you need, and as you make your loan payments, your buying power is automatically replenished.

A line-of-credit is ideal for overdraft protection on your checking accounts. Funds can be automatically transferred to your checking accounts to cover any checks that may attempt to clear for more than your available checking balance.

Fixed Term Unsecured Loan

Our fixed term unsecured loans are a great alternative when you need a one-time loan for things like vacation, family emergency, appliance replacement and so on.

Debt Consolidation Loan

A University Federal Credit Union debt consolidation loan helps rid you of high rate credit card debt, by consolidating loan or card balances into one lower payment. Let us set you up with one low monthly payment at rates that are likely lower than what you are paying now.

 There are other business services that come with University Federal Credit Union. You can check them out.

Contacts:

Phone Numbers
(512) 467-8080 – Austin
(409) 797-3300 – Galveston
(800) 252-8311 – US Toll-free
(512) 421-7477 – TTY
Routing Number (ABA)
314977405
Online
Other questions: Send a message to Member Services
Feedback and suggestions: Tell us what you think
University Federal Credit Union Community Sites
Fax Numbers
(512) 421-7450 – Member Services
(512) 421-7455 – Lending
(512) 421-7455 – Mortgage Services
After Hours Lost or Stolen Card Notification
(866) 262-3885 – VISA Debit/Check Cards
(866) 604-0381 – Credit Cards
ATM Cards
Auto Lending Specialists
(512) 498-CARS (2277)
Business Services
(512) 421-7310
Mortgage Services
(512) 997-HOME (4663)
(800) 476-8409
Education Loans
(512) 467-8080 x29063
(800) 252-8311 x29063
Retirement Planning Center
(512) 467-8080 x21081
(800) 252-8311 x21081
UFCU Insurance ServicesTM
(512) 421-8100
(800) 223-4197
Mailing Address University Federal Credit Union
PO Box 9350
Austin, TX 78766-9350

Categories: Credit Unions - Tags:

Prime Financial Credit Union

Written by on March 8, 2012 · Leave a Comment

Prime Financial Credit UnionPrime Financial Credit Union mission statement says they are dedicated to improving the financial well-being of its members by providing innovative, competitive, and high quality services and products.

The management team is committed to making appropriate and timely decisions to guide the Credit Union, as well as our membership, through these tough economic times. Our goal is to create a brighter and better future for our members; thriving in our community well into the future.

A “non-profit” financial services cooperative owned and operated by and for its members. Member-owners receive their dividends back on a daily basis in the form of “no” or “low” fee products and services. A “for profit ” financial institution returns its profits to share holders. We return it to our members.

Prime Financial Credit Union Checking Accounts:

PRIMO CHECKING -

Prime Financial Credit Union nows offers their new PRIMO Checking is designed for PRIMO members. Join the PRIMO set! Definition- pri-mo {pree’moh} of the finest quality or greatest value - And This Checking Account Has It!

The Pizzazz of PRIMO Checking

  • Receive a .75% APY* on balances up to $25,000
  • PFCU will refund ATM fees assessed by other financial institutions up to $20.00 per monthly cycle

Qualifying for a PRIMO Checking Account is easy! Just perform the following each monthly cycle

  • Receive your monthly statement electronically by using E-statements
  • Perform a minimum of (12) twelve debit, Point-of-Sale or Point-of- Purchase transactions with your PFCU Debit Card**
  • Perform at least (1) one financial transaction using PFCU’s Online Account Access***
  • Have at least (1) preauthorized, reoccurring ACH debit or credit transaction occur such as Direct Deposit or a Payroll Deduction***
  • Do not have any non-sufficient funds or Member Privilege activity
  • And don’t worry-if you don’t meet all the requirements in any one month, you still have an awesome checking account and you have the next month to meet the requirements

Prime Financial Credit Union Additional perks include:

  • No Minimum balance required
  • First 50 Checks FREE****
  • FREE E-statements
  • FREE Prime Debit Card
  • Unlimited Debit Card withdrawals
  • Free Online Account Access
  • No monthly service charge
  • Nationwide access to surcharge free ATMs with Alliance One Network
  • Overdraft Line of Credit available

Prime accounts-

At Prime Financial Credit Union, you’re in control with a wide variety of checking accounts to choose from. Use your PFCU checking account to pay bills or as an investment… either way you can’t beat the value of a PFCU checking account. It’s the best checking account you’ll ever own.

Our Prime checking account offers convenience and flexibility

  • No minimum balance
  • No monthly service charge
  • No per check charge
  • Monthly dividends
  • Free Prime ATM/Debit Card
  • Unlimited debit transactions
  • Member Privilege Overdraft Protection
  • Overdraft Line of Credit
  • Nationwide access to surcharge free ATMs with Alliance One Network
  • FREE Bill Pay
  • Free Online Account Access
  • First 50 Checks FREE**

Prime Time Direct Checking -

You get all the benefits of electronic banking with Prime Direct

  • No minimum balance
  • No monthly service charge
  • No per check charge
  • First 50 Checks FREE**
  • Free Prime Debit Card
  • Unlimited FREE ATM/Debit withdrawals
  • Dividends paid on checking account balances
  • Member Privilege Overdraft Protection
  • Overdraft Line of Credit available
  • .25% OFF*** consumer loans
  • FREE Travelers Checks
  • Nationwide access to surcharge free ATMs with Alliance One Network
  • FREE Bill Pay
  • FREE Online Account Access

Prime Time Plus (*Direct Deposit Account) -

This Prime Financial Credit Union Checking is designed exclusively for members age 55 & up

  • No minimum balance
  • No monthly service charge
  • No per check charge
  • FREE check printing**
  • Free Prime Debit Card
  • Unlimited FREE ATM/Debit withdrawals
  • Dividends paid on checking account balances
  • Member Privilege Overdraft Protection
  • Overdraft Line of Credit available
  • .25% OFF*** consumer loans
  • FREE Travelers Checks
  • Nationwide access to surcharge free ATMs with Alliance One Network
  • FREE Bill Pay
  • FREE Online Account Access

Prime Time Teen Checking -

Checking for student money makers ages 13-17

  • No minimum balance
  • No monthly service charge
  • Monthly dividends
  • FREE Prime Debit Card
  • Unlimited FREE ATM/Debit withdrawals
  • Nationwide access to surcharge free ATMs with Alliance One Network
  • FREE Bill Pay
  • FREE Online Account Access

Premier Money Money Market Checking -

Money Market Accounts offer our members a higher dividend rate than typical Checking (Share Draft) Accounts. The Money Market Account is essentially a large balance checking account with a higher interest rate. With the higher return, this account is frequently used as an investment vehicle. This account must open with a minimum of $10,000. Unlimited deposits are allowed. However, authorized withdrawals are limited to three checks per month and three withdrawals or transfers.

Earn higher dividends while retaining liquidity of funds.

  • Competitive monthly dividends
  • Unlimited deposits
  • $10,000 minimum deposit to open account
  • 4 tiered dividend rates
  • Free Online Account Access

Check out our Money Market rates.

Dividends are paid on a plateau basis which means that when the balance is reached, the rate is paid on the whole amount.

Prime Financial Credit Union Savings Accounts:

Share Savings -

Our Savings Account (which is also known as a Share Account) establishes your membership with us. Once you join, you’re eligible to apply for other accounts including checking, loans, credit cards and more.

The minimum balance to open a Share Account is $25. There is no monthly service charge, and you’ll have convenient access to these funds via ATMs, TeleTeller-FREE Telephone Account access and FREE Online Account Access. Prime Financial Credit Union pays your earnings on your Share (Savings) Account in the form of dividends.

Savings Account features:

  • An easy way to start saving
  • Pays competitive dividends* monthly on balances of $300 or more
  • Easy access to your money using a Prime Financial Credit Union ATM Card
  • Receive statements quarterly-and view your statements online with FREE Online Account Access

* Dividends are paid on a plateau basis. When the balance is reached, the rate is paid on the whole amount.

Prime Time Teen Club -

Savings for student money makers ages 13-17

  • Deposit incentives
  • Informative seminars designed for student money makers

Christmas Club -

The Christmas Club Account is designed to help members save for the holidays. Members can enroll anytime with no minimum deposit. Deposit schedules can be set up through payroll deductions or direct deposit.

On October 1, as the holiday shopping season arrives, your funds PLUS dividends earned will be transferred to your regular Share (Savings) Account.

IRAs -

An Individual Retirement Account (IRA) from Prime Financial Credit Union is the perfect way to build your retirement nest egg. We offer several choices:

IRA Savings Account. Similar to a standard savings account featuring:

  • Earn competitive dividends monthly
  • Enjoy peace of mind knowing your money is insured by the NCUA
  • Receive statements quarterly (or monthly if you have a Checking Account)
  • View your accounts online using Free Online Banking
  • Start with a low $25 minimum opening balance
  • Easily make deposits throughout the year or in one lump sum
  • No monthly fee
  • Traditional, Roth or Coverdell IRA options available

IRA Share Certificates. A Prime Financial Credit Union IRA Share Certificate locks in a guaranteed rate for a term that you choose.

  • Get stable, secure returns on your money
  • Earn competitive dividends
  • Enjoy peace of mind knowing your money is insured by the NCUA
  • Receive statements quarterly (or monthly if you have a Checking Account)
  • View your accounts online using Free Online Banking
  • Traditional, Roth or Coverdell IRA options available

Prime Financial Credit Union Loan Accounts:

Car Loans -

We have the drive to get you into the car of your dreams! If you’re looking for a vehicle loan, Prime Financial Credit Union has loans available for new or used cars and trucks, recreational vehicles, boats, motor homes, and motorcycles. We know that buying a vehicle can be a time-consuming, trying experience. That’s why we make it a point of making our loan process easy and stress free.

  • New and used vehicle loans at rates you can afford
  • Variety of terms available
  • Qualify for up to 100% financing

Pre-Approval. We suggest getting pre-approved before you start looking. Then you can search knowing exactly how much you can afford to spend on a new or used vehicle. As an added bonus, when you visit a dealership you’ll have more purchasing leverage since the dealership knows you are a serious buyer who has access to the funds.

Online Loan Application. Already picked out your new car? Now you need a loan. Apply online

Extended Service Contracts and GAP Insurance

Extended Service Contracts:

  • 3 Plans to choose from
  • Coverage is available on vehicles up to 10 years old with 100,000 miles or less
  • Prime Financial Credit Union will finance whichever plan you choose.

GAP Insurance:

  • In the event of total loss you are covered for the GAP between your loan balance and the value of the vehicle.
  • Prime Financial CU will finance the cost of the insurance

Home Equity Line of Credit (HELOC) -

With Prime Financial Credit Union, you get a  Home Equity Line of Credit that offers convenient access to the money you’ve invested in your home. Use a Home Equity Line of Credit to pay the contractor, plumber, or even for an education. The Home Equity Line of Credit offers a credit line from $10,000 to $200,000 depending on the available equity in your home.

Our HELOC product features:

  • Low competitive rates
  • Access funds when you need to
  • Credit Lines from $10,000 to $200,000!
  • Revolving credit line
  • Easy access to funds
  • Pay interest on advanced funds only.
  • Rates as low as prime

Personal Loans -

Prime Financial Credit Union offers loans for your every borrowing need with a wide variety of terms and payment options. So whether you’d like to buy a boat, pay for education or take a long vacation, you can do it with a competitive personal loan customized to meet your needs. Our personal loans feature:

  • Fast application process
  • Flexible payment options
  • Fixed or variable interest rates available

Prime Financial Credit Union offers more products and services. Check them out today.

Locations:

Automated Teller Machine (ATM) Locations

PFCU has several automated teller machines. They are located at the following locations.

  • 1010 N Water St, Milwaukee, WI 53202 – off the elevators and near Eagan’s
  • 1819 Washington St, Two Rivers, WI 54241
  • 841 N. Broadway, Milwaukee, WI 53202
  • District 1, (Municipal Court Lobby), 749 W. State, Milwaukee, WI 53233
  • District 3, 2333 N. 49th St, Milwaukee, WI 53210
  • District 5, 2920 N. 4th St, Milwaukee, WI 53212

Office Locations and Hours - ( click for map of locations )
Prime Financial Credit Union SOUTHEAST5656 S. Packard Ave.
Cudahy, WI 53110
FAX: 414-486-4510

 

Lobby Hours

Mon – Fri 9:00 am – 5:00 pm
Sat 9:00 am – 12:00 pm

 

Drive Thru Hours

Mon 8:00 am – 5:00 pm
Tue – Wed 9:00 am – 5:00 pm

Thur 9:00 am – 6:00 pm

Fri 8:00 am – 6:00 pm

Sat 9:00 am – 1:00 pm

 DOWNTOWNATM Available
1010 N. Water St
Milwaukee, WI 53202
FAX: 414-271-0217

 

Lobby Hours

Mon – Fri 9:00 am – 5:00 pm
Sat 9:00 am – 12:00 pm

 

Drive Thru Hours

Mon 8:00 am – 5:00 pm

Tue – Thur 9:00 am – 5:00 pm

Fri 8:00 am – 5:30 pm

Sat 9:00 am – 1:00 pm

 
Prime Financial Credit Union NORTHWEST4878 N. Swan Road ( 92nd St )
Milwaukee, WI 53225
FAX: 414-527-3186

 

Lobby Hours

Mon – Fri 9:00 am – 5:00 pm
Sat 9:00 am – 12:00 pm

 

Drive Thru Hours

Mon 8:00 am – 5:00 pm

Tue – Wed 9:00 am – 5:00 pm

Thur 9:00 am – 6:00 pm

Fri 8:00 am – 6:00 pm

Sat 9:00 am – 1:00 pm

 

 ZMBATM Available
841 N. Broadway 
Milwaukee, WI 53202
FAX: 414-273-1195

 

Lobby Hours

Mon – Wed 10:00 am – 4:30 pm
Thur – Fri 8:00 am – 5:00 pm
Sat – Closed

 

Drive Thru Hours

N/A

 
TWO RIVERSATM Available
1819 Washington Street 
Two Rivers, WI 54241
FAX: 920-793-3859

 

Lobby Hours

Mon – Thur 9:00 am – 5:00 pm
Fri 9:00 am – 6:00 pm
Sat 9:00 am – 12:00 pm

 

Drive Thru Hours

Mon – Thur 9:00 am – 5:00 pm
Fri 9:00 am – 6:00 pm
Sat 9:00 am – 12:00 pm

 

 Prime Financial Credit Union SOUTH1923 W. Oklahoma Ave
Milwaukee, WI 53215
FAX: 414-385-5503

 

Lobby Hours

Mon – Fri 9:00 am – 5:00 pm
Sat 9:00 am – 12:00 pm

 

Drive Thru Hours

Mon 8:00 am – 5:00 pm

Tue – Wed 9:00 am – 5:00 pm

Thur 9:00 am – 6:00 pm

Fri 8:00 am – 6:00 pm

Sat 9:00 am – 1:00 pm

 
CU SERVICE CENTERSGreenfield - 6126 W. Layton Ave.
Brown Deer - 6402 W. Brown Deer Rd.
Waukesha - 1501 E. Sunset Dr.
Racine - 1001 S. Main St., Rm. R103
(inside Racine Building at Gateway Technical College)

Categories: Credit Unions

St Cloud Federal Credit Union

Written by on February 7, 2012 · Leave a Comment

St Cloud Federal Credit Union offers a wide range of loans, checking, savings, and other account services to their members. They are here for you. So lets go over the services St Cloud offers.St Cloud Federal Credit Union

St Cloud Federal Credit Union Loans

Anytime Access Line Of Credit

This is a credit type that is a revolving line of credit. You access to your money when you want. There is no fee to open an anytime line of credit.

GAP: Guaranteed Asset Protection for Loans

If your new purchase is stolen or caught in an accident, St Cloud has made it an affordable way to protect that purchase. The word “GAP” means “loan deficiency waiver.” That is they cover the gap between your vehicle’s value amount that you owe.

GAP covers automobiles, light trucks, motorcycles, vans, boats, trailers, motor homes, golf carts, jet skis, snowmobiles, and more. St Cloud Federal Credit Union will determine whether your vehicle qualifies for coverage.

Home Equity Line Of Credit

St Cloud’s Equity one with draft is a revolving credit that allows your home serve as collateral. You can withdraw money whenever you need too. You get free online banking to transfer your funds. You can also transfer using voice response line.

Mortgage and Real Estate Loans

You can get a wide range of home mortgages for purchases and refinance transactions. St Cloud will help you plan your real estate transaction, by providing you with the best loan opportunities for you. They want to save you money, and get you what you need at the same time.

Student Loans

St Cloud federal Credit Union offers affordable private student loans. With the EdAccess private student loan you get comprehensive interest rates, and you get lower interest rates if you have good grades. If you repay 10% of your loan, you get a 1% interest rate reduction. You can use this to py for your room, books, tuition, and past payments. You can borrow up to $30,000 and as little as $2,000 dollars.

St Cloud Federal Credit Union Accounts

Checking Accounts

St Cloud offers a personal and business checking account. You get free 24 hour service response, and account access through their free online baking. Free online bill pay also comes with these accounts.

Business Checking Options:

  • Small business checking- There is no monthly maintenance fee, and no minimum balance required to open. You get unlimited check writing, and can deposit 25 or fewer checks per month. You also get a free St. cloud debit card.
  • Business checking- There is no monthly maintenance fee, and no minimum balance required. You also get unlimited check writing, and can deposit 25 or fewer checks a month. You earn daily dividends on balances of $3,000 or more. You also get a free St Cloud Federal Credit Union debit card.
  • Commercial Checking- There is a $20 monthly maintenance fee with this account. However, there is no minimum monthly balance required, and you get unlimited check writing. You also get a free SCFCU debit card.

Regular Checking Account:

The regular checking account is pretty simple. It comes with no monthly maintenance fees, and no minimum balance fees.

Savings Accounts

  • Regular Savings Account- You can open regular savings accounts for anything at St CLoud. You can give each account you open its own unique title. The that you give your account is what will appear on your statement. Their minimum monthly balance is required to open a club or multiple account. Dividends are paid on a monthly basis.
  • Health Savings Account- You can save up for your health care expenses and your distributions are tax-free with a St CLoud Federal Credit union health savings. You have to enroll in a high-deductable plan before you can make a contribution. Your account balance carries over to the next year.
  • Money Market Account- This savings type pays a higher yield than a primary savings. You can open it as an IRA as well. A minimum of $2,000 is required to open and maintain your account.The higher the balance is, the higher the dividend payouts. You can’t beat St.Cloud’s Money Market.
  • Youth Savings Accounts- The minimum balance required to open this account is $25.00. There are no fees attached, and you earn dividends on a daily and monthly basis. You get special incentives when deposits are made. You also get special prizes when you fist open the account. Boys and girls under the age of 12 qualify for this type of account. They will deposit $10.00 or more if you open this account for your kids that are 12 and under.

There are more savings plans available with St Cloud. Savings bods is another savings plan St.Cloud offers.

St CLoud Federal Credit Union offers other services like car buying, and investing services. You can get great rates from St Cloud that you may not get anywhere else. Visit St Cloud today!

St Cloud Locations: (b)

St. Cloud location
Main phone: 320-252-2634
Toll-free: 1-888-252-2634
Address: 3030 First Street South
St. Cloud, MN 56301

Sartell location
Main Phone: 320-252-2634
Toll-free: 1-888-252-2634
Address: 3030 First Street South
St. Cloud, MN 56377

Categories: Credit Unions

Ih Mississippi Valley Credit Union

Written by on February 1, 2012 · Leave a Comment

Ih Mississippi Valley Credit Union is one of the largest credit union’s in the Quad Cities region. Their locations include Abingdon, East Moline,IH Mississippi Valley Credit Union Galesburg, Milan, Moline, Monmouth, Prophetstown, Rock Island and Silvis, Illinois. They also have locations in Bettendorf, Davenport, and DeWitt, Iowa.

As an IHMVCU member, you can trust that all of your financial services are in good hands. You are insured up to $250,000, and the NCUA (National Credit Union Administration) stands behind IHMVCU and the claim. Your retirement accounts are also covered up to $250,000 dollars.

Ih Mississippi Valley Credit Union Accounts

Savings Accounts

If you need a savings account, IHMVCU has a safe and guarantee for you. They insure your funds up to $250,000, and is also backed by the NCUA. Let’s go over the different types of savings accounts.

  • Regular Savings- All it takes to open a regular savings with Ih Mississippi Valley Credit Union is $5. All you have to keep as a minimum balance is $5 as well. If yo want to earn dividends all you have to do is keep your account balance at $100 for adults. Dividends for kids are earned with a balance of $25.
  • Certificates and IRAS- With a CD you earn a higher yield on your long term savings plan. You can earn interest a lot faster with a CD. It is also insured up to $250,000, and is backed by NCUA. The minimum deposit to open a CD is $500, $250 if under the age of 18 years old. The terms start form 91 days to 5 years, and dividends are paid on a monthly basis.
  • Individual Retirement Accounts (IRAS)- IRAS with IH Mississippi Valley Credit Union offer many benefits. You get tax advantage with their retirement plan, and your account is insured up to $250,000 by NCUA. The terms go from 3 months to 5 years.
  • Daily Money Market Account- You start earning dividends on a balance of $1,000. You get unlimited withdrawals at any Ih Mississippi Valley Credit Union locations.
  • Prime Reserve Money Market Account- The minimum balance to open this account is $5,000, which is also the same to earn dividends. Moreover, if your account falls below $5,000 their is a $18 service charge per month. You can write up to 6 checks per month with this type of account.
  • Health Savings Accounts (HSA)- This account is used for medical expenses and qualified expenses are tax-free, and this also includes dividends. You can also keep up with your account with HSA Visa or Debit cards.

The requirements are that adults must have an HSA qualified high deductible health plan. You can’t claim yourself as a dependent on somebody else’s tax returns, and you can can’t be receiving medical benefits by Veterans Affairs in the last three months.

Checking Accounts

Ih Mississippi Valley Credit Union has three different checking accounts available to fit your needs. These checking accounts are insured up to $250,000 by the NCUA. Lets go over them.

  • Free Checking- There is no minimum monthly deposit and minimum balance with this account. You get free unlimited checking, and online bill pay.
  • Relationship Checking- This account also has no minimum opening deposit. However you do have to maintain a minimum balance of $10,000, or you will have a monthly fee of $12.50 if it falls below that.
  • Checking Plus- Lie the others, there is no minimum deposit required to open this account. You have also have no minimum balance attached to it as well. You get free online bill like the other two, and unlimited check writing.

Youth Accounts

Ih Mississippi Valley Credit Union makes it easy to start saving for your youngest child. See what our rewards are for the youth savings.

  • Mr. Soppi’s Saver’s Squad- You have to be 10 years old and younger for this account. You get a free piggy bank when you open an account. This is a savings account only.

If you are between the ages of 11 to 17 years old, you a little bit more benefits. You get a free $10 visa gift card at the time of opening the account. If you’re a senior in high school you eligible for a IHMVCU’s scholarship.

Ih Mississippi Valley Credit Union Loans

  • Auto Loans- Weather your shopping for a car, boat, motorcycle, snowmobile, or ay other vehicle, IHMVCU loans offer new and used auto or vehicle loans. Check the Loan rates by clicking here. (link) They also help you find preferred dealers, or vehicles fro sale.
  • Mortgage Loan- If you want to buy a new home, purchase, or refinance a home, let the professionals from IH Mississippi Valley Credit Union guide you through. They will help you get rates for you’re looking for.
  • Home Equity Loans- The home equity loan gives you a chance to pay off those high interest credit cards. You can also to get rid of that pestering debt that’s in your life. You, basically, can do what you want with it as well. Your rates start as low as 4.073% APR.

You can also get a Home Improvement Loan, and line of credit. You can borrow up to $15,000 with a home improvement loan, and its tax deductible.

  • Pledge Loans- These are loans that are meant to help people who have had trouble in the past, and need to establish a good credit history. Whatever you’re approved of, that loan will be automatically secured by the money you have in your account.
  • Student Loans- You can get a private student loan from Ih Mississippi Valley Credit Union to help pay for what the grants and scholarships don’t cover. They offer no pre-payment fees, and have competitive rates. This loan is available to undergrads and graduate business students. They offer flexible and affordable payment plans.

Ih Mississippi Valley Credit Union also offers business services. You check that out when you get a chance.

Locations and Contact Info: (h3)

  • Abington

405 Western
Abington, IL 61410
309-462-3632

  • Bettendorf

2839 AAA Court
Bettendorf, IA 52722
309-793-6200

  • Davenport

2102 East Kimberly Road
Davenport, IA 52807
309-793-6200

  • Davenport

3546 West Kimberly Road
Davenport, IA 52806
309-793-6200

  • Davenport

201 East 3rd Street
Davenport, Iowa 52801
309-793-6200

  • DeWitt

1703 11th Street
DeWitt, IA 52742
563-659-9900

  • East Moline

358 17th Avenue
East Moline, IL 61244
309-793-6200

  • Galesburg

1215 Monmouth Blvd.
Galesburg, IL 61401
309-342-8151

  • Milan

801 Tech Drive
Milan, IL 61264
309-793-6200

  • Moline

2101 52nd Avenue
Moline, IL 61265
309-793-6200

  • Monmouth

2 Americlnn Way
Monmouth, IL 61462
309-734-3837

  • Prophetstown

314 Washington Street
Prophetstown, IL 61277
815-537-2577

  • Rock Island

4206 5th Avenue
Rock Island, IL 61201
309-793-6200

  • Silvis

685 Avenue of the Cities
Silvis, IL 61282
309-793-6200

  • W.Burlington

403 South Gear Avenue Ste. 101
West Burlington, IA 52655
319-754-5386

 

Click Here to visit IH Mississippi Valley Credit Union today.

Categories: Credit Unions - Tags:

Abri Credit Union

Written by on January 25, 2012 · Leave a Comment

Abri Credit Union Loans and Account Types

Abri Credit Union is a credit union that offers great products and services for their members. Lets go over what they have to offers.

Abri Credit Union Rates

Mortgage Rtes:

  • Conventional Fixed – The property type for this loan is for Illinois and Idaho properties. They cover town houses, single family owner homes, condos, duplexes, second vacation homes, and 1-4 family properties. A fixed mortgage goes up to a 40 year term. You also get loans from $25,000 to $417,000.
  • Shout Term – This type has a term of 30 years term. You can only use this for refinancing only. This type has loans from $25,000 to $200,000. A 5 year interest rate is 3.125%, and 3.125% annual percentage rate.

Loan Rates:

  • Auto Loans – Abri Credit Union offers new and used car loans. For new cars rates go from 12-84 months, and terms go from 2.99%-4.49% APR. Abri Credit UnionFor used cars 1-5 years old, APR goes from 2.99%-13.99%. A cool part here, is that you can lower your rate down to just 1%.
  • Home Equity Loans – A home equity line of credit has a 3.99% and 120 day introductory APR. Abri’s Line of credit ranges from $10,000 to $100,000 and above, with 5.000% APR. Prim rates range to +.25% to 1.0% index.

You also have the fixed rate home equity loans. There are terms ranging from 5 years to 15 years with rates ranging from 6.24% to 6.74% APR.

  • Personal Loans – If you repay with automatic payment via direct deposit they will take .25% off of your rate. There is a fixed term, which ranges from 9.9% to 16.9% APR with a 60 month term. With a Readi-Cash line of credit rates at 13.90% APR with an open term.
  • Other Secured Loans – These other loans are from Abri are share and certificate loans. Rates for a share loan is 3.10% APR, with terms up to 36 months. Rates for a certificate account are 3.00% APR, with terms equal to the life of the certificate.

 Abri Credit Union Accounts

Savings:

  • Prime Shares Savings – All you need is $5 to open. There is no monthly charge, and no check cashing fee. You get online banking and auido response teller (ART). ALso you get dividends paid to you on a monthly basis.
  • Special Savings – This account is set to help you with special occasions. There is no monthly charge associated with this account. You may make a withdrawal 3 times a month per account. Dividends rates are .10% APY, and are paid monthly. Abri Credit Union makes it easy to set up automatic payroll deductions or transfers.
  • Christmas Club Savings – You can, of course, save for the holidays with this account. There is no monthly charge with this account. The funds are available on November 1st, and will be transfered to your shared or checking account. You cannot make any withdrawals from this account until November 1st. Dividends are also paid monthly.
  • Premier Money Market Account – The minimum balance requirement here is $2,000. If your balance falls below the minimum, your fee is $10. You also have an unlimited withdrawal but with a minimum withdrawal of $200.
  • Premier Plus Money Market Acocunt – The minimum balance for this account is $50,000, but there is no minimum balance fee acquired. You can only withdrawal $200 at the lowest with this account.

Abri Credit Union money market accounts are meant for members who can maintain a higher balance. This account type is great for earning higher dividend rates.

  • IRA Share Accounts – The minimum balance for this account is $25, with no monthly charge. There are fees for early withdrawal that apply from IRS regulations. Dividend rates are .45% APY, and compounded and paid monthly based on the daily balance. They are withdrawn by check.
  • Types of IRA’S are traditional, Roth, and Coverdell Education.
  • IRA Certificate Accounts – The minimum balance for this account is $500 for 6, 12, 24, 36, 48, and 60 month terms. If you want a 15 month term it’s $10,000, with no monthly charges. You can get certificate terms available at 6, 12, 15, 24, 36, 48, and 60 months. There are penalties on dividends if withdrawn early. However, if funds remain, dividends are paid monthly.
  • Shared Certificate Accounts (CD’s) – Abri Credit Union offers higher dividends with a specific term. The minimum balance is $500 fro 6, 12, 24, 36, and 60 month terms. There is also a $10,000 fro 15 months, with no monthly charges.

You will be penalized for early withdrawal. If you withdraw less than 24 months, your penalty is 90 days of dividends. If you withdrawal from 24 to 36 months the penalty is 120 days of dividends, and 48 months is 180 days.

  • Health Savings Accounts – This account is tax-deductable, and will allow you to withdrawal funds tax free to pay for those medical expenses. The minimum balance required is $500 with no monthly charge. Dividends are compounded and paid monthly.
  • Star Savers Kids Account – This account is set up to help your kids save money for the future. The benefits of the star savers Club is you earn 1 token for each $10 deposit. You can also buy fun prizes with your tokens earned.

Checking:

  • Smart Checking – Abri Credit Union checking accounts are great for several reasons. They have no monthly service fee, no debit card purchase fees, and no minimum balance fees. They also offer online banking and bill pay.
  • Dividend Checking – The minimum balance for this type of account is $500. Unlike the Smart checking option, this type does pay out dividends.
  • You also get free online banking, but online bill pay is $6.75 a month.
  • Advantage Checking – The minimum monthly balance for this account is $10,000. Dividends are also paid out on this account type. There are no minimum balance fees or service fees.
  • Fresh Start Checking – All you need is $20 to open this type of account. There is no minimum daily balance required. There is a $5 monthly service fee, and no check writing fee, and no withdrawal fee. This account comes with online banking, but no online bill pay. However, you do get free phone banking with the fresh start checking.

There are other account services that Abri Credit Union offers. You have a student loan tool or option. They have other online and direct deposits that they offer.

Categories: Credit Unions - Tags:

Superior Choice Credit Union

Written by on January 21, 2012 · Leave a Comment

Superior Choice Credit UnionSuperior Choice Credit Union is insured by the federal government through the National Credit Union Administration. They put their members first by providing superior products and services for their financial needs. You get your account insured up to $250,000 a member. Lets go over some of the products and services now.

Superior Choice Credit Union Accounts

Checking Accounts:

  • Dividend Checking – With this account you earn dividends with a balance of $5,000 or more. There are no monthly fees, or minimum balance required. This account also comes with online bill payment.
  • Round Up Checking – With this account your rounds checking purchases up to the nearest whole dollar. They will deposit money into your savings or Christmas Club account. There is also no monthly fees or minimum balance required to open.
  • Simply Free Checking – Superior Choice Credit Union offers a free checking account service. There is no monthly fees or minimum balance required.
  • E-Checking – This is pretty self explanatory. You can get your checking electronically. This also has no minimum balance required to open, and no monthly fees as well.

Savings Accounts:

  • Membership Savings – You have the chance to become an owner once you have a membership savings account. The minimum deposit for this type of savings is $5.00 to open. This account also earns dividends, and comes with overdraft protection.
  • Christmas Club Savings – A Superior Choice savings offers something the entire family can stand on. They offer a higher rate of interest. You can open this account with no minimum balance.
  • Shared Certificates – With this account you will earn monthly dividends with a higher rate of interest. They give you ten days to decide what you want to do with it, or they will renew it.
  • Premier Money Market Account – With this type of account, you get the same leeway you do with the shared account. However, with this type you get a higher dividend rate, which is based on the deposit amount. If you have a minimum of $2,500 to deposit than you qualify to open with the Premier Money Market.
  • IRA SAvings – If your looking to save for your retirement than this is account is the right one for you. There are no fees attached to this account, and your money is federally insured by NCUA.
  • With the traditional IRA, your contributions may be tax-deductible. It is tax-derfered until you withdraw it.
  • There is also a Roth IRA. WIth this type, you can withdraw funds without any penalty, and it also tax free at anytime. You may withdraw without penalty if you are 591/2, dead, disability, or if you’re buying a home for the first time.
  • Health SAvings – If you’re looking for a sacings plan that will help you save for those medical expenses than Superior Choice Credit Union has a perfect plan for you. This account is much like an IRA that has contribution limits to it. If you’re covered by an individual plan, you may be contributed up to #3,050. If you’re covered by a family plan, you may be contributed up to $6,150. If you’re 55 and over, you can do what’s called a “catch up” contribution of $1,000. They everything to meet whatever you qualify for.

Superior choice Credit Union Loans

  • Auto Loans – Superior Choice has teamed with local dealer, helping you apply online for an auto loan. They have also want to help you buy from their dealerships. You can get connected and set up using the Smart choice Auto Buying. This will make the financing process easier for you.
  • Unsecured Loans – They offer unsecured loans that go up to $45,000. You can use it for a consolidation loan, or a personal loan.
  • Recreational Vehicle Loans – If you have a motorcycle, boats, snowmobiles, motor homes, ATV’s, travel trailers, then you qualify for this loan. they offer excellent rates at the right price for you.
  • Quick Cash Line of Credit – This can used for a rainy day, or unexpected expenses. With Superior Choice Credit Union there are no fees attached with this account. You have a credit limit up to $45,000 if you qualify. Your payment is only $4.00 per $100 borrowed.
  • Smart Option Student loans – Superior offers student loans by Sallie Mae. The benefits of having this loan if you’re a student is that you get a competitive interest rate. You can borrow up to 100%, and the minimum is $1,000 of school certified education cost. You can manage your account 24/7 online. You can qualify for a low rate with a good credit standing, or a cosigner. There is no prepayment penalty with this type.

Superior Choice Credit Union offers other services, like Business Solutions, and online services. Click here to review these other services that Superior Choice offers.

Categories: Credit Unions

Riverland Credit Union Information Found

Written by on January 19, 2012 · Leave a Comment

Riverland Credit Union puts their customers first. They offer a wide range of products and financial services to fit their members needs. Lets go over the products and services Riverland offers.

RiverLand Credit Union Accounts

Checking Accounts:

  • Free Checking – This account has no monthly service charges, and minimum balance required to get it. There is no direct deposit you have to commit to. Riverland also offers free mobile banking, and free e-alerts. With the free account you also get free Internet banking with online bill paying option.
  • Regular Checking – This account is almost the same as the free checking account, accept you have a few more perks. 
    Riverland Credit Union    This one offers overdraft protection, and it also has direct deposit or payroll deduction.
  • Money Market Checking – There is no monthly charges , and no limits on writing checks. You earn dividends on the money deposited in this account. The minimum amount balance required is $1,000.

Savings Accounts:

  • Regular or Shared Savings – Riverland Credit Union returs higher dividends. It’s members than banks. Their savings accounts are insured to about $250,000 by the National Union Administration. All you need is $6.00 to become a member, with a $1.00 membership fee. Only $5.00 is required for deposit.
  • Christmas Club Savings – You can open this type of savings at anytime. If you’re looking to save money for the holidays, this is the right option. There are no minimum monthly requirements, and no frequent deposits to maintain the account. The balance is transfered into the savings accounts of that member on October 1st.
  • Health Savings – if you need to pay for unwanted medical bills, this savings is for you. It’s tax-free and can pay for your medical expenses.
  • Casualty Coverage Savings – This is an account that Riverland Credit Union has for those unexpected disaster days. This account comes with all of the perks as the checking and savings account have. There is also no fees attached to this account, as well. If you ever have an emergency, the casualty savings comes into hand.

Deposits:

  • Money Market Accounts – Riverland offers 2 accounts you can choose from. They have the Money Market and Super Money Market. With a MOney Market, you earn up to 0.50% APY. Balances that range from $1,000-$9,999.99 get 0.40% to 0.50%. With a Super Money Market you also earn up to 0.50% APY. Balances that range from $25,000-$49,999.99 get 0.49% to 0.50%. The same percentage is earned on $50,000-$74,999.99 and $75,000 and more.
  • Certificate – Riverland has a terms that range from 3-6 months with a low minimum balance. You accrue interest from the day of your deposit.

Riverland Credit Union Loans

  • Auto Loans – Riverland has great benefits that come with their auto loan service. they offer low and affordable interest rates. They also offer repair coverage at a low cost. You can get more than 100% financing on new and used vehicles. This is truly an excellent way to that vehicle you’ve wanted.
  • Home Equity Loan – There are many benefits in having a home equity loan at Riverland. You get terrific low rates, for starters. They offer credit limits to go as high as $200,000. You get a 10 year term thats manageable to make payments on. The best thing is that there are no application fees or annual fees.
  • Mortgage Loans - Riverland Credit Union offers great rates with the FHA loan and VA. They offer affordable payments amerized over 10 year terms. You get a credit limit up to $200,000. There is no closing cost required as well. Last but not least, there is no application fees and other annual fees attached to it.

Riverland Credit Union E-Services

Riverland offers an online services as well. They make it convenient for you to do business with their online banking. They also have phone banking, and mobile banking. Don’t forget you can make payments using their online bill payment online.

To view other current rates, products, and services associated with Riverland just visit the Riverland Credit Union site.

Categories: Credit Unions - Tags:

Clearpath Federal Credit Union

Written by on January 17, 2012 · Leave a Comment

Clearpath Federal Credit UnionClearpath Federal Credit Union offers a wide range of checking, savings, loans, and credit cards. They offer the best rates and little to no fees. I would like to take through Clearpath’s products and loan servies.

Clearpath Federal Credit Union Business Services

You business will get the same financial benefits that a personal member receives. You get the same great low rates and few fees. You get employee benefits for offering the credit union. Your business accounts will earn dividends as well.

Business services offered are:

  • Automated Information and Transaction Services- Here you can take advantage of the e-banking system 24/7/365.
  • Merchant Bankcard Services- Clearpath Federal Credit Union TermNet is a way for your business to accept credit and debit cards.
  • Electronic Business Tax Payments (EFTPS)- Clearpath will help you set up your businesses taxes.

Clearpath Federal Credit Union Checking & Savings

-eChecking
This account allows you to earn higher dividends than the other checking accounts. You can earn these by utilizing the Online bill payment, and ATM option.

-Opportunity Checking
This is for people who have had a problem getting a checking account in the past.

-Prime Share Savings
Most people consider this their primary savings account. It’s only $1 to open. As a member, you now take part in ownership.

-Dream Savings
If you have a balance of up to $1,000 you get a super interest rate.

-Money Market Accounts
You can choose from three different accounts depending on your lowest deposit balance. When you need to take out money, you can easily withdraw the funds from your money market account.

-Club Certificates
Clearpath Federal Credit Union is about those special times. This is a savings for a special occasion or date. You can set up for funds to be sent to your club account. When the time is right they will release the funds on time.

-Clearly Better Savings Certificate
With this savings, you choose the term between 3 to 60 months. It’s your choice. Having a certificate of 12 months or more, will get you higher dividends rates.

-eCertificates
You only need $500 to start with. You can grow your cash fast just by depositing at least $10 every now and then. You can the cash to work for you.

-IRA’s
You have the choice of having a regular Roth IRA or IRA Money Market account.

-Education Savings Accounts
Make your education expenses easy to pay back. Clearpath’s Coverdell Money Market Accounts will help you save for the future.

-Health Savings Accounts
You can set an account to save for those medical expenses. This is easy to set up, and you won’t regret it.

Clearpath Federal Credit Union Loans

-Vehicle Loans
Clearpath offers low rates and reasonable payments with their auto loan service. They also offer loans on motorcycles, boats, and other vehicles.If you have an auto loan form another financial company, bring to Clearpath and you will save money.

-Real Estate Loans
Clearpath’s real estate loan service will help you find the best type of loan. They offer fixed or adjustable rates, and you can terms from 30 to sometimes 40 years.

-Home Equity
Clearpath’s home equity loan offers rates and terms with no points of pre-payment penalty. The home equity loan is a low fixed rate of repayment options of up to 15 years. The Home equity line of credit offers rates as low as 1.5% with no fees and up to 20 years to repay.

Clearpath also offers other products and services such as insurance. Visit Clearpath Federal Credit Union today.

Categories: Credit Unions, Uncategorized - Tags:

Aventa Credit Union

Written by on January 13, 2012 · Leave a Comment

Aventa Credit UnionAventa Credit Union is a non-profit credit union. It was developed in 1957 in Colorado Springs, Colorado. It has over 16,000 members and is growing each year. Aventa is part of the US Credit Union Heritage, which ads to their credibility. Aventa’s mission is to provide all of their members financial needs.

Aventa Credit Union Savings

Shared Savings 
Aventa provides you with a basic saving account. The shared account gives you ownership in the credit union. There is only a $5.00 minimum amount to open a basic savings. If the account falls below $100.00 interest is not paid. Dividends are sent out on a monthly basis.

Christmas Club Savings
A Christmas Club helps you save for the holidays. Aventa Credit Union will automatically transfer the whole balance of your Christmas Club account into your shared account.

Money Market Account
With a Money Market Account, your minimum balance for deposit is $2,500. You can ear higher rates if you maintain a higher balance form your interest rates. You can withdrawal up to six times per month in a Money Market.

IRA’s
Aventa offers a Roth and Education IRA. They make your world a lot less stressful when it comes to your retirement. It’s extremely easy to save toward your future.

Health Savings Account
With the health savings, Aventa Credit Union allows it’s members with this type of account to ear dividends on pre-taxed dollars. This will help you in paying those high deductibles with your health care plan. If you’re under the age of 65, have health insurance under a qualified health plan, and that plan has a high deductible, than you are eligible for the HEalth Savings Plan.

Aventa Credit Union Checking Accts

Share Draft Checking
This is a simple account. There is no minimum balance required to obtain this account. The only charge to this type of an account is an overdraft fee, which overdraft protection is available for this account.

Basic Checking
You have no monthly fee with this one. You also have unlimited check writing, and you get a free debit card. It comes with free home banking from your PC.

Electronic checking
This offers unlimited check writing, with a free debit card, and free online home banking and bill pay with direct deposit as well. If you keep an average of $500 a day in your account, you get paid dividends.

Visa Debit Card
You get a visa debit card if you have a shared account. Aventa Credit Union gives you the choice of having a dual-debit card. This allows the member to access their money by via PIN or signature.

Certificates Of Deposit
The deposit here is $500. You can earn return on a Mini-Jumbo Certificate of $10,000 – $49,999. If you deposit $50,000 it will earn you an even greater return.

Home Banking
Aventa has, what they call, I-Branch. I-Branch lets you check you account balance in real time. It lets you set up your email for any alerts, including low and high balances. You can schedule transfers to made. You can also transfer funds from one account to another.

Avanta Credit Union Loans

Auto Loans

  • new autos: Qualified members get to 120% financing. Aventa allows you to get terms of up to 84 months. You will also have MBP, “Mechanical breakdown protection”. Low cost protection is also available to Aventa members.
  • used autos: You also get up to 120% financing of NADA average retail value. The terms here are up to 60 months. However, this will depend on the age of the vehicle, amount, and credit.
  • Recreational Vehicles and Power Sports: Aventa also offers loans for other vehicles like motorcycles, campers, RV’s, boats, and others.

Mortgage Loans

One good thing about Aventa Credit Union is that they are the ones servicing your loan. They don’t sell it to other third parties. it’s fast, and there’s no fees. Aventa offers first, and second mortgage loans to help you in whatever type of mortgage fits for you and your family.

Personal Loans

  • lines of credit: You can cash at a great rate. Accessing your money is easy. It can be done by using the ATM or by the contact certer at 719-482-7600 or email ConsumerLoans@Aventa.com.
  • closed-end: You can make purchases on items and get a lower rate than what some credit cards offer.
  • consolidated loans: Have too many bills, and want to make a payment on all of them? Aventa’s consolidated loan option lets you borrow money at a tremendous rate. You can get terms of up to 60 months.

You can easily become a member of Aventa Credit Union for just $5.00. Their service is excellent, and they will set you up with what you need.

Categories: Credit Unions

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