CERTIFICATES OF DEPOSIT
Good, competitive, rates available for CD’s up to 24 months maturity. Dividends will be paid at maturity. Check the rates page for our current offers.

PAYROLL DEDUCTION
Easy way to save or make your loan payment. Provided as a free service, Payroll deduction (if offered by your employer), is an effective way to budget you hard earned dollars.

DIRECT DEPOSIT
Any recurring payment (i.e. Government check, income tax return, payroll check, Social Security payment, etc.) can be deposited directly to your credit union share account or share drafts account. Direct Deposit eliminates the fear of lost or stolen checks. Funds are credited to the account on the same day that you would normally receive your check in the mail. Call Credit Union office for Account number and Routing and Transit number.

ACH TRANSACTIONS
Any recurring payment (i.e. insurance, loan payments, etc.) can be automatically withdrawn from your share or share draft account monthly. Currently this service is offered at no charge to our members. When a merchant runs your check through electronically and hands you back the hardcopy (i.e. Wal-Mart) this is covered under the ACH transaction.

WIRE TRANSFERS
You may wire money to your account at the credit union from another financial institution, or you may wire money from your credit union account to another financial institution to credit your account.

TRAVELERS’ CHECKS
The credit union offers American Express travelers’ checks to its members at $.60 per hundred dollars. We have individual checks, checks for two, and gift checks available.

MONEY ORDERS
Money orders, in amounts up to $1,000.00 are available. The fee for each money order is $1.00.

DISCOUNT TICKETS
We offer movie tickets to Wallace Theatres for $7.00. We offer discounted tickets to Worlds of Fun and Oceans of Fun.

NOTARY PUBLIC
This service is available to members at no cost.

INSURANCE
We offer discounted automobile and homeowners insurance through Sentry Insurance. We offer member pay Disability and Life Insurance through Cuna Mutual Insurance.

NIGHT DEPOSIT
We have a night deposit box available for our members’ convenience.

FEE SCHEDULE

Money Orders	$1.00
Share NSF fees	$15.00
Share Draft NSF fees	$15.00
ATM/Visa Check Card NSF fees	$20.00
Stop Payment Fees	$15.00
Check Copies	$2.50
ATM card re-orders	$5.00
Visa Check card re-orders	$5.00
Pin number re-orders (ATM/Visa Check Card)	$5.00
ATM/Visa Check Card cash withdrawals	$1.00
ATM/Visa Check Card inquiry	$.50
Statement copy	$1.00
Bad Address Fee (per qtr after 4 returned statements)	$5.00
Filing Fees (titles on autos etc)	$10.00
Share Overdraft Transfer Fee (per transfer)	$5.00
Wire Fees (to send only)	$15.00