Products & Services



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 ATMs) and overdraft protection available upon application
  • Discounted checks for seniors & new member checking accounts

Minimum Balance

Purchase of $5.00 in Credit Union

Fees

Cost of printing checks. ( http://mainstreetinc.com/ ) If this is your FIRST order w/our new check company, Main Street, please call TCU @ 608-362-8983. Senior Class members still need to contact the Credit Union for your check orders. See fee schedule and truth in savings disclosure.


Payroll Deduction


At A Glance

Pay checks deposited electronically into your share or share draft account

Best For

Have your money early payday morning whether working or vacationing.

Features

  • Debit cards (Surcharge Free ATMs) available for cash withdrawal
  • Immediate transfers to any other share or loan accounts

Minimum Balance

N/A

Fees

N/A


Share Account

At A Glance

A basic interest bearing savings account

Best For

Direct Deposit

Features

  • Access to all other TCU services

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.


Junior Savers Account

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.


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

$8.00 fee for early withdrawal. See fee schedule and truth in savings disclosure.


Individual Retirement Accounts

At A Glance

Roth, Traditional, and Coverdell Educational IRAs available

Best For

Traditional IRAs offer a great way to save for retirement. Roth and Education IRAs 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 - if less than 5 years old


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

  • Minimum balance of $1000.00
  • 18 month = $5,000.00 to open, $2,500.00 after withdrawal

Fees

Penalties for early withdrawal

To apply for a loan today log in to online banking.


Personal Loans

At A Glance

Low interest loans for any occasion

Best For

Vacation loans, MasterCard, Kwik Cash loans

Features

Credit Life and Disability Insurance available

Minimum Balance

Purchase of $5.00 in Credit Union

Fees

N/A

To apply for a loan today log in to online banking.


Mortgage Loans

At A Glance

Low interest mortgage loans

Best For

Fixed rate loans with monthly payment terms arranged

Features

Ask for our loan officer, Lisa

Minimum Balance

Purchase of $5.00 in Credit Union

Fees

N/A

To apply for a loan today log in to online banking.


Vehicle Loans


NEW VEHICLE RATES AS LOW AS 1.99%

Purchase or Refinance a 2016 or newer vehicle for a rate as low as 1.99% for up to 60 months!

Offer good from November 1st through December 28th, 2018. Annual Percentage Rate. Membership eligibility required. New money only. Offer cannot be combined with existing loans. Repayment example: $10,000.00 at 1.99% for 60 months is $175.23. Rates and terms are subject to credit approval.


At A Glance

Low interest vehicle loans

Best For

Any vehicle including recreational vehicles such as: boats, motorcycles, RVs, UTVs, ATVs, and 4-wheelers.

Features

  • Credit Life
  • Disability
  • GAP Insurance

Minimum Balance

Purchase of $5.00 in Credit Union

Fees

N/A

To apply for a loan today log in to online banking.


Student Loans

Now you can pay for college the smart way!

When scholarships, federal loans, and financial aid don't cover all your expenses, the Smart Option Student Loan® can make up the rest.

Sallie Mae Smart Option Student Loan®
TOGETHER WE CAN DO THIS

Get Started

Travel Money Cards

At A Glance

Best For

Safety when traveling

Fees

TCU Travel Money Card

  • $6.00 new card/$5.00 reload
  • Load $100.00 - $5,000.00
  • Card Max Value is $5,000.00

TCU EMV Chip Travel Card

  • $8.00 new card/$7.00 reload
  • Load $100.00 - $5,000.00
  • Card Max Value is $5,000.00

Reorder Checks

Order Now

Fees

Cost of printing checks. ( http://mainstreetinc.com/ ) If this is your FIRST order w/our new check company, Main Street, please call TCU @ 608-362-8983. Senior Class members still need to contact the Credit Union for your check orders. See fee schedule and truth in savings disclosure.