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Loan Products

Loan Type

Maximum Loan Term*

*Maximum Term over 72 Months must be approved by Board of Directors.  Maximum Term shown may be extended only with Board of Directors approval.

Maximum Loan Limit**

**Maximum Limit is based on the value of the vehicle or collateral.  Total Member Loan Aggregate is $50,000.00 aggregate per qualified member or $70,000.00 aggregate per qualified member with Board of Directors approval.  Shares Secured Loans are not calculated into the Aggregate Loan Limits.

New Auto Loans

Maximum Term 72 Months
Maximum Limit $70,000.00

Used Auto Loans

Maximum Term 60 Months
Maximum Limit $70,000.00

New RVs

Maximum Term 120 Months
Maximum Limit $70,000.00

Used RVs

Maximum Term 72 Months
Maximum Limit $70,000.00

New Boats

Maximum Term 120 Months
Maximum Limit $70,000.00

Used Boats

Maximum Term 72 Months
Maximum Limit $70,000.00

New Motorcycles

Maximum Term 60 Months
Maximum Limit $70,000.00

Used Motorcycles

Maximum Term 48 Months
Maximum Limit $70,000.00

Shares Secured

Maximum Term 60 Months
Maximum Limit (No Limit)

Unsecured/Signature

Maximum Term 72 Months
Maximum Limit $2,000.00

MasterCards

Revolving Credit Line
Maximum Unsecured Limit $5,000.00


Savings Products

Savings Type

Information

Regular Shares Account

Minimum of $25.00 to open
Primary Membership Account
Member must have this account open in order to open and use other Credit Union products and services.

Club Accounts

Minimum of $25.00 to open
Secondary Savings Accounts
Member may have more than one of these accounts.  These can be used as a special account to save funds for Christmas, Vacation, Birthday, Property Tax, and EST...

Vacation Accounts

Minimum Balance of $5.00
Employer Contribution Only
Only employers signatory to Local Union 20 International Brotherhood of Electrical Workers or Local 756 Sign Painters & Decorators contribute to this account.

Share Draft (Checking) Account

No Minimum Balance
Checks ordered through Liberty Checks
ATM & MasterCard Debit Cards available
Checks can be reordered via the Web Page link - see Check Reordering.  ATM & Debit Cards are ordered through the Credit Union.

IRAs Traditional, Roth
& Coverdell ESA

Minimum of $100.00 to open
Certificates of Deposit
Can be purchased in 3 Month, 6 Month, 12 Month, 18 Month & 24 Month terms.  All are automatic renewal into the same term at maturity.  Member has at maturity a 10 business day period to change the term selection or transfer funds without penalty.  Dividend compounded quarterly based on opening date.

Market Index IRA Certificates

Minimum of $2,000.00 to open
Contact Credit Union for more information

Share Certificates

Minimum of $1,000.00 to open
Certificates of Deposit
Can be purchased in 3 Month, 6 Month, 12 Month, 18 Month & 24 Month terms.  Certificate may be set up as automatic renewal into the same term or funds transferred into shares at maturity.  Dividends may be set up to roll into certificate or transfer to shares.  Member has at maturity a 10 business day period to change the term selection or transfer funds without penalty.  Dividend compounded quarterly based on opening date.

Market Index Share Certificates

Minimum of $2,000.00 to open
Contact Credit Union for more information

 

Other Products

Product Type

Information

ATM / MC Debit Cards

Offered to members with Share Draft (checking) accounts.

Bank Checks

Our members can either come into our office to have a check withdrawn or have the check mailed to their home address.  (A check sent by mail must be made payable to the member only.  We require written verification if the payee is anyone other than the primary member.)
Bank Checks can be requested through our Audio Teller System.

MEMBER'S CHOICE Credit Life Insurance

Low-cost, voluntary coverage that pays off or pays down the principal balance up to the policy maximum if the member or covered joint borrower dies.
Click on the MEMBER'S CHOICE product types to link to information on the CUNA Mutual website.

MEMBER'S CHOICE Credit Disability Insurance

Low-cost, voluntary coverage that makes monthly loan payments up to the policy maximum should the member become totally disabled.  Payments continue until the member is no longer totally disabled, dies or the loan is paid off.
Click on the MEMBER'S CHOICE product types to link to information on the CUNA Mutual website.

MEMBER'S CHOICE Guaranteed Asset Protection (GAP)

Affordable way to fill any deficiency gap if a member's vehicle is stolen and not recovered, accidentally damaged beyond repair, or otherwise declared an insured total loss.  Auto insurance will cover the replacement value which can leave a difference between the insurance settlement and the remaining loan balance.  This deficiency can sometimes amount to thousands of dollars.
Click on the MEMBER'S CHOICE product types to link to information on the CUNA Mutual website.

MEMBER'S CHOICE Mechanical Repair Coverage

Offers members competitively priced and flexible protection from unexpected vehicle repairs after the manufacturer's warranty expires.
Click on the MEMBER'S CHOICE product types to link to information on the CUNA Mutual website.

 
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