We provide a range of financial services to those who live, work, worship or volunteer in Niagara County. BENEFITS OF YOUR CREDIT UNION MEMBERSHIP
Share Accounts are available and dividends are paid quarterly on accounts that maintain an average daily balance of $25.00 or more. A member is required to maintain a $25.00 balance to keep the account open. Share Draft Accounts are available, along wi
th a VISA Debit Card which can be used at the point of sale or at any ATM. All ALLPOINT transactions are FREE for our members. A quarterly dividend is paid on accounts which maintain an average daily balance of $500.00 or more – although no minimum balance is required. Check Cashing – Cash your check or deposit with next day clearing- funds available and cash withdrawals. CD’S are available at competitive rates for varying terms. Home Banking is now available on all account types-in real time. You can access your accounts from home 24 hours a day, 7 days a week. Make transfers or print statements from your home computer. Christmas Club/ Vacation Club Accounts may be opened at any time of year. You can set up your own amount through payroll deduction or deposit as you like. There is a dividend paid on these accounts and the Christmas clubs are deposited into your accounts the first week of October each year. Payroll Deduction is available for all accounts. Deductions can be changed anytime and cash payments can be made anytime. Joint Accounts can be opened with your family or friends. Dividends are paid quarterly on share, share draft, CD’s and Christmas club accounts. NCUA Insurance is the same as FDIC Insurance carried by banks protecting your money up to $250,000.00. Withdrawals can be made from your share account, but if you exceed 12 in one year, there is a $3.00 fee. Low Interest Loans for:
Personal loans, Car Loans – New and Used, RV Loans, Home Equity Lines of Credit, Fixed Rate Home Equity Loans, and Mortgages through CUC Mortgage Corporation. Details regarding amounts and interest rates can be obtained at the Credit Union office or on our website. Same day loan approval in most cases. Discount Tickets for:
Regal Cinemas
Darien Lake
Delta Sonic Car Wash
Erie County Fair
Splash Lagoon
Scholarships rewarded to 6 high school graduates per year for $500.00 each. VISA Gift Cards – at only $4.00 each. Annual Meeting is held each year with a dinner. Accidental Death Insurance is provided to all eligible members. Each member receives $1,000.00 of accidental death insurance at no cost. Credit Life Insurance is available to members on all loans which would pay the loan in full in the event of your death. Credit Disability Insurance is available to members on all loans which would pay your loan payment (after 30 days) in the event you were injured and unable to work. GAP Insurance is available for any vehicle loan which would cover the gap in coverage from the insurance company as opposed to the outstanding balance on a vehicle. The Buyer’s Edge – check out the deals especially for members on major purchases.
