|
|
|
At
a Glance:
|
American Express
Travelers Checks |
|
Best
For:
|
Safety when
traveling |
|
Fees:
|
N/A |
|
back
to top |
|
|
|
At
a Glance:
|
A special club for children ages newborn through 16 |
|
Best
For:
|
Teaching children
good savings habits |
|
Features:
|
- Free gift
with each deposit, ages 3 through 12 - Quarterly
drawings for prizes, ages 3 through 15 |
|
Minimum
Balance:
|
Purchase of
$5.00 in Credit Union |
|
Fees:
|
$1.00 enrollment
fee. See fee schedule and truth
in savings disclosure. |
|
|
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| Individual
Retirement Accounts |
|
At
a Glance:
|
Roth, Traditional
and Coverdell Educational IRA’s available |
|
Best
For:
|
Traditional
IRA's offer a great way to save for retirement. Roth and Education IRA's offer the
opportunity for additional savings for those who don't benefit
from a Traditional IRA. |
|
Minimum
Balance:
|
Purchase of
$5.00 in Credit Union |
|
Fees:
|
$50.00 early
withdrawal penalty |
|
|
|
Share
Certificates |
|
At
a Glance:
|
Higher yield
time deposit accounts |
|
Best
For:
|
Preferred rates
in exchange for a commitment to leave funds on deposit for a
set period of time. |
|
Features:
|
18 month Share
Certificate allows one withdrawal without penalty |
|
Minimum
Balance:
|
$1000.00
18
month = $5,000.00 to open, $2,500.00 after withdrawal.
|
|
Fees:
|
Penalties for
early withdrawal |
|
|
|
| Share
Draft Account |
|
At
a Glance:
|
A non-interest
bearing account that offers unlimited check writing and deposits |
|
Best
For:
|
Individuals
who need to access their account frequently by check or debit
card (Surcharge Free
ATM's). No minimum balance is required |
|
Features:
|
-
Debit card (Surcharge
Free ATM's) and overdraft protection available upon application
- Free
checks for seniors
|
|
Minimum
Balance:
|
Purchase
of $5.00 in Credit Union.
|
|
Fees:
|
Cost of printing
checks. See fee schedule and
truth in savings disclosure.
We've made it easier for you to reorder checks and
accessories. 24 hours a day, 7 days a week: online
at
www.ClarkeAmerican.Com/Checks
or by phone 1-800-355-8123. |
|
|
|
|
Share Account |
|
At
a Glance:
|
A basic interest
bearing savings account |
|
Best
For:
|
Direct Deposit |
|
Features:
|
-
Access to all other TCU services
- Tele-phone-teller
|
|
Minimum
Balance:
|
Purchase
of $5.00 in Credit Union
Must
maintain a minimum daily balance of $200.00 in your account
to obtain the disclosed APY.
|
|
Fees:
|
See fee
schedule and truth in savings
disclosure. |
|
|
|
| Personal
Loans |
|
At
a Glance:
|
Low interest
loans for any occasion |
|
Best
For:
|
Vacation loans,
vehicle loans, boat loans, computer loans, MasterCard, Overdraft
Protection, Student Loans |
|
Features:
|
Credit Life
and Disability Insurance available |
|
Minimum
Balance:
|
Purchase of
$5.00 in Credit Union |
|
Fees:
|
N/A |
|
|
|
| Mortgage
Loans |
|
At
a Glance:
|
Low interest
loans for any occasion |
|
Best
For:
|
-
Fixed rate loans with monthly payment terms arranged.
-
All programs
|
|
Features:
|
Ask
for Suzanne
|
|
Minimum
Balance:
|
Purchase
of $5.00 in Credit Union
|
|
Fees:
|
N/A |
|
|
|
| Christmas
Club Account |
|
At
a Glance:
|
Great way to
save for Christmas |
|
Features:
|
Balance
transferred to your share account on October 1st of each year
|
|
Minimum
Balance:
|
Purchase
of $5.00 in Credit Union
|
|
Fees:
|
$5.00 fee for
early withdrawal. See fee schedule
and truth in savings disclosure. |
|
|
|
|
|
|
At
a Glance:
|
Buy
and redeem US Savings Bonds as well as being able to purchase
them directly through the U.S. Treasury.
www.savingsbonds.gov
|
| |
|
|
|
|
|
|
|
Pay checks deposited
electronically into your share or share draft account. |
|
Best
For:
|
Have your money
early payday morning whether working or vacationing. |
|
|
- Debit cards
(Surcharge Free ATM's)
available for cash withdrawal
- Immediate
transfers to any other share or loan accounts
|
|
Minimum
Balance:
|
N/A |
|
Fees:
|
N/A |
