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 Savings Services |
| Share (Savings) Account |
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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
checkingMost 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. |
* 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 also offer member pay loan protection insurance on loans up to $30,000. |
| 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.* Click
here to apply online. *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. |
| Telephone Teller |
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Our Telephone Teller allows you to access your Richland Federal Credit Union accounts without visiting the Credit Union. And you can access these accounts 24 hours a day, seven days a week! It's convenient, it's confidential, and best of all, it's free! And your statements can help you if you need assistance with your account numbers.
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| Financial Security |
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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. |
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Our Commitment | Calculators | Member Survey © 2007 Richland Federal Credit Union. All Rights Reserved. This site produced by The Roundup. |
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