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Policies

FIELD OF MEMBERSHIP includes members of your immediate family. Immediate family and members of household includes parent, child, sibling, grandparent and grandchild. This includes step-parent, step-child, step-sibling and adoptive relationships. Members of household include persons living in the same residence maintaining a single economic unit.

MINIMUM SHARE BALANCE of $25.00 is required in your share account to be an active member and to be eligible for all other services.

DEPOSITS and LOAN PAYMENTS may be made by mail, over the counter, payroll deduction or Direct Deposit through ACH.

WITHDRAWALS are as easy as a phone call. Pick your check up at the office or have it mailed to your home. Cash withdrawals are available.

CREDIT LIFE AND CREDIT DISABILITY INSURANCES are available to borrowing members wishing to purchase coverage.

FEES may be imposed for the following:

NSF checks a $25.00 fee will be charged.
Stop Payments $10.00.
Copy of Share Draft, $ 1.00

CAUSE OF LOSS POLICY:

1. This Credit Union reserves the right to deny future "credit-related" services (e.g. loans and credit cards) as well as ATM services; share draft privileges; payroll deductions; and pre-authorized transfers to any member who has an existing credit obligation in default which has caused this Credit Union to suffer pecuniary loss. If, however, the Credit obligation is reaffirmed or otherwise voluntarily repaid in such a manner that this Credit Union sustains no loss or expense, with respect to the obligation, then the member will remain eligible for such "credit-related" and other services as though the default or bankruptcy had not occurred.

2. A member cannot be denied the right to maintain a Share Account, receive dividends, and vote at annual or special meetings of members

We do business in accordance with the Federal Housing Law and the Equal Credit Opportunity Act
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