0% Introductory Rate for Cash Advances and Balance Transfers
No Annual Fees
Help Rebuild Your Credit
Contact your local branch for eligibility requirements.
WSJ, CNN: Seek Credit Cards at CUs
Consumers should seek credit cards at credit unions to obtain better rates and terms according to The Wall Street Journal and CNNMoney.com.
A small-business owner asked Kelly Spors in her Wall Street Journal column, "Small Talk," what to do because the owner's credit card company announced it would stop taking new charges.
"A good strategy is to approach community banks and credit unions rather than major national banks, says Ruth Sheets, a consultant to small and midsized businesses," Spors wrote Monday. "These smaller local lending institutions suffered less from the financial mess on Wall Street and are using the credit crunch to strengthen their ties with local business owners.
"Smaller banks and credit unions often carry their own branded credit cards and charge lower fees than large banks," Spors added. "If you can't qualify for a regular card, you may at least be able to get a secured card, which requires cash up front as collateral."
With credit card reforms signed into law by President Barack Obama in May, consumers need to protect themselves from a credit card backlash, and credit unions are an option, advised a Friday CNNMoney.com column.
If consumers carry a balance [on a credit card] and have a credit score of 730 or above, they should move their big-bank card into secondary status and rotate in a regional bank or credit union card, Curtis Arnold of Card Ratings.com advised in the column. Because these institutions employ stricter underwriting standards, they offer lower rates and rarer rate hikes.
While the average major bank card currently has a 13.76% interest rate. National Institutes of Health FCU, a $396.9 million asset, Rockville, Md.-based credit union, is advertising a Visa Platinum Rewards card at 8.9%, Arnold said.
****************************************
C o u r t e s y P a y
We have you covered .
"Courtesy Pay Limit increases to $600.00"
Go to Products/Services and click
checking to find out more information.
Protection from the embarrassment of returned checks
Protection from merchant returned check charges
Protection from collection agency fees
Protects your good credit rating
Courtesy Pay is a member service that protects your account. We require no applications or additional signatures. Courtesy Pay is simply a way for us to provide a higher level of service to our members by helping to protect your account and reputation when an inadvertent overdraft occurs.
Our FREE Simple Checking features:
·NO Minimum Balance
·NO Service Charge
·Unlimited Check Writing
·VISA Debit Card
·Direct Deposit
Find out about Courtesy Pay today...
Because the last thing you want to worry about is a bounced check!
Contact your local branch for details.
*A $30.00 Fee will be charged for each item we cover through Courtesy Pay.*
Now you can get your monthly statements faster and safer from our secure web site. No more worrying about having your statement lost or stolen from your mailbox. Record keeping is simplified and if you need a copy of your statement, you can simply download and print.
Every month we will notify you when your statement is ready and waiting for you to retrieve.
Sign up now! Enrolling is easy. Simply log on to E-MAC and click e-statements on the left side of the screen. You will then be prompted to select the account number. You will be asked to provide your name and email address and accept our usage terms. Then click submit and you’re done!
***********************************************
Attention on-Line users
Now offering Bill Pay Free
Pay your bills on-line and never leave the comfort of your home
after enrolling for Home Banking (E-MAC) in your branch