A new regulation requires us to make some changes to services on your account. Effective August 15th, the everyday purchases you make with your debit card and your ATM transactions will no longer be covered by our Member Privilege service. If you do not have enough money in your account or the funds are not yet available, your card will be denied. Member Privilege will continue for your checks and ACH transactions.

If you want to continue to have this valuable safety net in case of an emergency, you must let us know you want this service or you will lose this flexibility.

Please take the time to consider the ways you use your account and debit card and make the choice that is right for you and your family.
Member Privilege is a convenient service that provides you and your family with financial flexibility in times when you may not have sufficient funds in your account.

Examples of everyday debit card purchases are: • Grocery Stores • Restaurants • Gas Stations • Anytime you use your debit card for a one-time transaction

The choice is always yours. We are here to answer your questions...TALK TO US!

Disclosure: The effective date of the change is Aug 15, 2010. Beginning Aug 15, 2010, we will not authorize and pay overdrafts on ATM and everyday debit card transactions without account holder consent. Overdrafts created by check, ACH, online banking transactions, phone transactions or other electronic means, as well as recurring debit card transactions (payments that are set up to bill and pay automatically) such as an automatic draft from your health club or insurance company will continue to be covered by your overdraft service. A Member Privilege fee of $25.00 will be charged for covering overdrafts that result in a negative balance. Once an overdraft has occurred you are required to bring your account to a positive balance within 30 days. We reserve the right not to pay if your account is not in good standing. Contact us if you have questions.
 

We have partnered with Cuna Mutual Insurance Society to provide long term health care benefits to our members.

What is Long Term Care?
Long term care encompasses a wide range of services for people with chronic physical illnesses, disabilities and cognitive disorders. Long term care is not traditional medical care such as you would receive in a hospital. Instead, it helps an individual maintain their level of activity and functioning. Typical long term care services include assisted living services, respite care, home health care, adult day care, and care in a nursing home.

To get all your questions answered about long term care we invite you to follow the link and review the site that we have set up.

Long Term Health Insurance

There are lots of commericals on TV advertising free credit reports and credit monitoring services. Check the fine print. Those services aren't free and they dont give you anything that you cant get yourself. By law credit reporting agencies are required to give you a copy of your credit every 12 months for free.  Go directly to the source for your credit report.  Annualcreditreport.com is the service managed by the 3 main credit reporting companies Experian, Equifax and Trans Union. It is important to keep an eye on your credit. There is more and more fraud out in the world these days. What you dont know could hurt you. Not only that but lenders have tightened up their lending guidelines. More than ever bad credit can hurt you. go to https://www.annualcreditreport.com/cra/index.jsp for more information. If you have questions about yor credit you can always give our loan department a call too.

NEW Iphone applications!