Manage your money more effectively, with lower rates on loans and higher rates on savings at your credit union. We are pleased to offer the following financial services:

Share (Savings) Accounts

• Great Rates with Maximum Access to your Funds
• Earn Higher Interest Rates as your Savings increase
  

Q Share (Savings) Certificates

• Great Fixed Rates!
• Choose from:
• 6 Month Term
• 1 Year Term
• 2 Year Term
• 3 Year Term
• 4 Year Term

IRA (Share) Accounts


• Regular IRA
• Roth IRA
• Educational IRA

Q IRA Certificates
• Great Fixed Rates!
• Regular, Roth & Educational IRAs
• Choose from:
  • 6 Month Term
  • 1 year Term
  • 2 Year Term
  • 3 Year Term
  • 4 Year Term

Q Draft (Checking) Accounts

Basic Checking (Free)

• No Minimum Balance Requirement
• No Minimum Balance Fees
• Free 1st set of checks
• No monthly maintenance fees
• No Per Check charges
• Unlimited check writing
• ATM Card
• Automatic Funds transfer from Savings at no charge
• No Dividends Paid

Interest Checking

• Free 1st set of checks
• No Per Check charges
• Unlimited check writing
• ATM Card
• Automatic Funds transfer from Savings at no charge
• Dividends paid on Balances over $500.00
• $3.00/monthly fee if balance falls below $500.00

Money Market Checking

• Higher than Market Average Interest Rates
• Free 1st set of checks
• No Per Check charges
• Unlimited check writing
• ATM Card
• Automatic Funds transfer from Savings at no charge
• Dividends paid on Balances over $2,500.00
• $3.00/monthly fee if balance falls below $2,500.00

Q Loans

• New & Used Car Loans
• Visa Cards - Classic & Platinum
• Home Equity Loans
• 2nd Mortgage Loans
• Home Equity Line of Credit
• Tuition Loans
• Tax Payer Loans
• Personal Loans
• Share Secured Loans
• Boat Loans
• Debt Consolidation Loans

Q On-Line Banking

• Available 24/7
• Check Balances
• Check Transactions
• Transfer Funds between your accounts
• Download a QIF file of your history & then import this file
  into your favorite money management program
• Apply for a loan
• Transfer funds to pay your CU Loans
• Send a check to your home address
• Pay your bills from checking account (if signed up for Bill-Pay) For a quick Demo...Click here!
• All from the comfort of home or wherever you happen to be

Q PAT

• Personal Automated Teller
• Available 24/7
• Check Balances
• Check Transactions
• Transfer Funds between your suffixes
• Issue Checks to your home address

Q ATM Cards
Q Direct Deposit & Automatic Payroll Deduction
Q Wire Transfers
Q Certified Checks

Fee Schedule

Draft Printing	(fee depends on style of draft ordered)
Certified check (checking)	$3.00
Certified check (savings)	$20.00
Certified checks (and other items) returned unpaid	$15.00
Check  (from member account) made payable to another party	$5.00
Nonsufficient funds item (each)	$15.00
Account balancing assistance	$20.00 per hour
Hold Statements	$3.00
Stop Payments - (checking account)	$5.00
Stop Payments - (savings)	$15.00
Wire transfer -- Outgoing	$15.00 (minimum $500.00)
Wire transfer -- Incoming	NO FEE
Foreign wire transfer -- Outgoing	$20.00
Foreign conversion  (checks only)	$22.00
Photocopy (Credit Union issued check)	$3.00
Copy of draft	$1.00
Dormant Account	$5.00 Quarterly
Minimum Balance Fee (Interest Checking) Below $500 within a month	$3.00