Products and Services

Savings Services

Share (Savings) Account

Membership begins when you open a share account. This basic savings account is also the shares of ownership you have in the Credit Union. Opening a minimum $50 share account offers you full membership privileges and qualifies you for all other Credit Union services.

Youth Savings Account is a program designed for ages 13 to 21. A minimum balance of $25 is required to open an account

Pee Wee Penguin is a youth savings program designed to help teach children the value of saving. A minimum balance of $5 is required to open an account and there are no service fees.

Share Certificates

Share certificates are similar to a bank's Certificate of Deposit (CD). If you want a higher dividend rate and do not need immediate access to your funds, then our share certificates are for you.

Individual Retirement Account

We offer Individual Retirement Accounts (IRAs) for your long-term, personal retirement savings. Your dividend is calculated from day of deposit to day of withdrawal, compounded quarterly, and is tax-deferred until withdrawal. You may withdraw funds from your IRA at any time; however, early withdrawal penalties may apply.

Youth Savings

Pee Wee Penguin is a youth savings program designed to help teach children the value of saving. A minimum balance of $5 is required to open an account and there are no service fees.

Checking Accounts

Share Draft (Checking) Account

A share draft account works much like a checking account. We require no minimum balance no monthly maintenance fees. Plus, you can make free phone transfers for share draft accounts.

Overdraft Protection

Our overdraft protection automatically transfers funds from your share (savings) account or from an established line-of-credit if your share draft account is inadvertently overdrawn.

VISA

Our card goes beyond conventional checking
Most checkbooks can only do one thing--checking. Our VISA Check Card does this and much more. VISA Check Card gives you a faster, more economical, more convenient way to buy the products and services you need. That's because it allows you to withdraw funds from your share draft account without ever having to write our a check. You can purchase groceries, gas, or anything else wherever VISA is accepted. Plus, VISA Check Card performs all the functions of an ATM card. It's the checking-withdrawing-depositing-and-transferring-funds card all in one.

Loan Services

Auto (New or Used) Loans
Recreational Vehicle Loans
Holiday Loans Big Bucks 0%
Agriculture Loans Variable
Debt Consolidation Loans
Student Loans Variable
Home Equity Loans Variable

* Annual Percentage Rate

We loan money for any good purpose, and our loans are simple interest. This means the faster the loan is repaid, the less interest you pay, with no prepayment penalties. Plus, there are no set-up fees. We are still offering the Five (5) Star Program,where members are rewarded for using certain CU services by having their loan rate reduced depending on the amount of services being utilized.

Real Estate Loans

We offer First Mortgages, Home Equity, and Home Improvement Loans. We have convenient and flexible terms. The interest that you pay on a home equity loan may be tax deductible.*
*Consult your tax advisor.

Share Secured Loans

On these loans, the money in your savings account or your share certificate is used as collateral. While you will continue to receive dividends on your savings and your certificate, your loan's interest rate will be lower than the standard consumer loan rate.

Any Time Money

It doesn't matter how you travel, our handy ATM, located at 124 N. Central Ave. by the drive-up in Sidney, is open 24 hours a day. Get cash anytime. Our ATM is lighted for your security.

Financial Security

Your savings are federally insured to $100,000 by the National Credit Union Administration (NCUA), an agency of the U.S. Government.

In addition to NCUA insurance, many precautions are taken to protect members' funds in the Credit Union, including annual audits by an NCUA examiner, an independent auditor, and by our volunteer Supervisory Committee.

On-Line Banking

Our home banking brings your credit union to you, via your personal computer. Access obtained through commercial browser software such as Netscape Navigator or Microsoft Internet Explorer. Members can access their accounts, check loan status, make transfers and more with easy point and click commands. Our home banking is safe and secure. Click here for On-Line Banking.

Your savings federally insured to $100,000
NCUA
National Credit Union Administration,
a U.S. Government Agency