Savings (Share) Accounts

• Regular
  $5 Minimum
  Dividend Paid Monthly
  Insured to $250,000 by NCUA
• Club Accounts 
• Share Certificates
• Money Market Share Accounts

Individual Retirement Account

• Shares and Certificates Available
• Traditional
• Roth
• Coverdell Education Savings Account  

VISA Credit Card

• 25-Day Grace Period
• No Annual Fee
• Low Introductory Rate of 6.9%
• Rates as Low as 9.9%*
  *Rate is determined by an evaluation of your credit.
• www.eZCardInfo.com 
• Verified By Visa

Additional Services

• U.S. Savings Bonds
• American Express Travelers Checks
• Payroll and Direct Deposit
• Notary Public (at no charge) 
• New Baby Accounts

Audio Response

• 24 Hour Access
• 1-888-549-6228 or 1-888-996-9599
   

Checking (Sharedraft) Accounts

• Duplicate Checks
• Overdraft Protection
• No minimum balance
• No Service Charges
• Debit Card
• MasterCard SecureCode
• ATM Access (see list of local access)
• Order Checks Online  (Former Caswell  Credit Union Members should place their check orders through the So. Burlington Office until they have checks with our new name)
• Free Bill Payer  

Loans

• New and Used Vehicle Loans
• Unsecured Personal Loan
• Home Equity Line of Credit
• Home Equity Loan 
• Mortgages
• Share Secured Loans
• Student Loan
• Other Secured Loan Options
• Loan Insurance Options Available
• NADA Used Car Value Guides
• Apply Now

On-Line Banking

• Free Online Account Access
• Make Transfers
• Pay Bills
• View Account History

Your Credit Union offers a
full array of savings programs.

Share Accounts are credit union savings accounts where dividends are paid monthly on the average daily balance. You still have full access to the balance. To remain a member and have access to our other services, a $5 share account balance is required.

USA PATRIOT Act- Important information about procedures for opening a new account:
         * To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
         * What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see your driver's license or other identifying documents.

Club Accounts allow you to save time and money for any reason in a separate account. You decide how much and how often. The Club Accounts offered are:  Holiday, All-purpose, Tax and Vacation.

Share Certificates (known elsewhere as CDs) allow you to earn a higher rate of interest. It is a great way to increase your earnings! There are different options for changing needs:

• Terms of Certificate - From 6 months to 5 years 
• Use of monthly interest payment

Money Market Share Accounts are a low activity, higher yield share account that has a tiered dividend rate structure to help meet the needs of all members.

Individual Retirement Accounts (IRAs) help you to save toward your future retirement.

Traditional IRAs are tax deferred and certain deposits may be tax deductable (Check with your tax advisor).

Roth IRA is a non-deductable retirement planning option that is funded solely by after-tax dollars and offers the possibility of tax-free earnings. The Roth IRA allows for tax-free distributions if used for a qualified purpose, such as being used for a first-time home purchase, or for reasons such as death, being over age 59 1/2, or if you become disabled.

Coverdell Education Savings Account is a custodial or trust account with a specified purpose for the funds. It is intended to exclusively provide funds for the higher education expenses of a child. The deposit limit is $2000 per year. It also offers the possibility of tax-free withdrawals.

VISA is the card of choice at the Credit Union.

The Credit Union's VISA card's interest rate on unpaid monthly balances is among the lowest in the country so it costs less to use. Access your credit card information online through eZCardInfo.com. Your Credit Union VISA card gives you:

• Tremendous purchasing convenience
• 25-Day grace period on purchases
• No annual fee
• Low Introductory Rate
• Low Interest Rate
• Safer than carrying large amounts of cash
• Offering both Platinum and Classic Cards
• No Balance Transfer fee
• Receive the benefits of our balance transfer rate at 6.9% for 6 months
• Same interest rate for purchases and cash advances
• Call your local branch for more information.
• Verified by VISA- added safety when you buy online- click below to sign up now.

When you travel, charge your airline tickets and have the availability of $250,000 life insurance. You will also have Auto Renters Insurance.  Call the credit union for a brochure on both insurance products. 

If you have lost your VISA card, please call 1-800-433-0505 immediately to report it.  Then call the credit union during office hours to discuss your options.

U.S. Savings Bonds & I Bonds U.S. Savings Bonds are a safe, flexible, long-term way to invest because the investment is backed by the United States governement.
Applications are available through the Credit Union or visit www.savingsbonds.gov for more information.

• EE Bonds are sold at half of the face value and earn interest for up to 30 years.
• I Bonds are sold at face value and grow with inflation-protcted earnings up to 30 years.

American Express Travelers Checks are a smart way to take money on vacation. There's a toll-free number to call if your checks are lost or stolen and many offices worldwide will replace the checks for you. The Credit Union offers travelers checks to you at no extra cost. We even offer the two-signature checks (call for availability).  You can cash in any unused checks with us after you've arrived home or keep them for your next trip.

Payroll Deduction is a convenient way to add to your share/sharedraft, Club Account, IRA or to pay your loans. All schools in our field of membership and most employers are willing to set up payroll deduction for you.

Direct Deposit allows you to deposit your paycheck and never have to visit the Credit Union on payday! We can make deductions for loans, or share accounts.

Notary Public Service is available to you through the Credit Union. We have several employees who can provide this free service for you.

New Baby Accounts are the Credit Union's way of congratulating all new parents. We offer to deposit $10 in a share account being opened for the new baby. Please notify us within three months of your new arrival! Now is the time to start saving.

"ART" is a 24-hour touch tone teller. ART (Audio Response Teller) allows you to transfer funds, check share balances, review which checks have cleared, and so much more!  Call 1-888-549-6288 or 1-888-996-9599 to reach ART.

Share Drafts are no minimum balance Credit Union checking accounts with additional benefits

• Low-cost duplicate checks available 
• Overdraft protection for qualified applicants
• Automatic funds transfer from savings
• No minimum balance required
• No monthly service charges
• Free Bill Payer

Automated Teller Machines allow you to deposit or withdraw from your checking account without having to make a trip to the Credit Union. Access to your account is available 24 hours a day through the Falcon Cooperative ATM Network. Withdrawals from checking may be made also at many ATM machines worldwide through various networks. Foreign ATM fees apply. Contact the credit union for more details.  Our Debit card will also allow you to use the card at any business that accepts Mastercard.   Even if you choose credit- it will always be withdrawn from your checking account. 

If you have lost your Debit Card, please call 1-800-528-2273 immediately to report it.  Then call the credit union during office hours to discuss your options.

To help protect against unauthorized use of your MasterCard Debit Card, sign up for MasterCard SecureCode below.

                   click here for a listing of ATM machines in the Falcon Network