Services
With Online Banking you can use your personal computer to access your credit union accounts. You can go online and get information about your credit union accounts, check balances, transfer funds, and review your history. You can even download your account history. It’s like having your own personal branch right in your own home.
About Security
Your online security is very important to us. We take several precautions to ensure your information is secure.
To access our secure area, you must enter your Logon ID and Security Code. As a security precaution, we store your Security Code in our database in an encrypted format that even we cannot decode.
In addition, Enhanced Authentication provides extra protection for your online data and helps guard against phishing scams and identity theft by recognizing your computer and usage patterns. If a questionable logon attempt is detected, the system will require additional identity verification before allowing access.
The system also displays a secret phrase combination that you choose. This secret phrase is displayed each time you log on to reassure you that you are logging on to your actual Internet banking or bill payment site. If you do not see your image and phrase, you should not enter your Security Code.
| Draft - Checking | Super Checking* | Share - Savings | Club Savings Savings | Certificate 12 Months | Certificate 13 Months | Certificate 15 Months | Certificate 18 Months | Youth Savers Certificate |
|
|---|---|---|---|---|---|---|---|---|---|
| Term | N/A | N/A | N/A | (See Notes) | 12 Month | 13 Month | 15 Month | 18 Month | 9 Month |
| Minimum Balance | N/A | N/A | $25 | $25 | $500 | $500 | $500 | $500 | $100 |
| Dividend Rate | None | Call for Current Rate | Call for Current Rate | Call for Current Rate | Call for Current Rate | Call for Current Rate | Call for Current Rate | Call for Current Rate | Call for Current Rate |
| Ages | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0-19 Years |
| Compounding | Monthly | Monthly | Quarterly | Simple | Quarterly | Quarterly | Quarterly | Quarterly | Simple |
| Crediting | Monthly | Monthly | Quarterly | End of Term | Quarterly | Quarterly | Quarterly | Quarterly | End of Term |
Penalties for early withdrawal:
*Super Checking
Your draft account will qualify as a Super Checking Account if you meet the following requirements:
All checking accounts are evaluated each month. Your checking account will receive the SuperChecking rate each month your account meets these 3 requirements.
| Deposited item return fee: Share and Share Draft Accounts | $30 |
| NSF Check | $30 |
| Check copy: Share and Share Draft accounts | $5 |
| Per day continuous negative balance fee: share drafts per day | $2 |
| Returned address correction | $3 |
| Statement copy/account history printout per page: share and share draft accounts | $3 |
| Stop payment fee: share and share draft accounts | $30 |
| Outgoing Wire | $30 |
| Incoming Wire | $5 |
| Money Order | $5 |
| Account research, per hour | $30 |
| Title by certified mail | $30 |
| Overnight mail | $30 |
| Priority Mail | $10 |
| Deed of reconveyance | $30 |
| Foreign ATM withdrawal | 1% of Transaction |
| VISA debit replacement card (1 free annually) | $5 |
| VISA card recovery by merchant | $65 |
| VISA credit card cash advance | $2 |
| VISA credit card late payment | Up to $25 |
| VISA credit card return payment | Up to $25 |
| VISA credit card emergency replacement card | $150 |
| VISA credit card statement copy | $12 |
| Refinance existing loan | $75 |
| Skip loan payment fee | $25 |
| Reissue of lien release on title | $3 |
| Bill Pay: NSF ACH debit | $20 |
| Bill Pay: Overnight Check | $14.95 per transaction |
| Bill Pay: Same day bill payment | $9.95 per transaction |
| Bill Pay: Person to Person Payment | $0.50 per transaction |
| Bill Pay: Account to Account transfer fee | $2.00 per transaction |