*Rates & terms are subject to change without notice. Par value of a share is $25. This amount must be maintained in the regular share account at all times in order to remain a member of this credit union. Dividends on regular share are compounded and credited on a biannual basis. The average daily balance method is used to calculate dividends. The average daily balance is determined by adding the balance in the account for each day of the period and dividing that amount by the number of days in the period. This credit union will use the full balance in the account for calculation whether deposits are made by cash or check. If you close your account before your accrued dividends are credited, you will not be paid any dividends for that period. Your credit union is an ideal place to save for the future. All accounts are federally insured up to $100,000 by the National Credit Union Administration.
*Par value of a share is $25. This amount must be maintained in the regular share account at all times in order to remain a member of this credit union.
Dividends on club accounts are compounded and credited on a biannually basis. The average daily balance method is used to calculate dividends. The average daily balance is determined by adding the balance in the account for each day of the period and dividing that amount by the number of days in the period. This credit union will use the full balance in the account for calculation whether deposits are made by cash or check. If you close your account before your accrued dividends are credited, you will not be paid any dividends for that period.
No minimum deposit to open account. No minimum balance required. Your credit union provides you with access to a FREE checking account without any hidden cost to you. There are NO monthly fees or per check charges and NO minimum checking account balance requirements. Fees do apply for bounced checks.
Membership is reserved for: • Employees of the University Settlement or The Door or their immediate family members • University Settlement and The Door program clients • Independent contractors with any University Settlement and The Door programs Documents Needed: Employees: US or TD ID All others: Valid (non-expired) US or State government photo identification. (Driver license, state ID card, Passport ) All new members must provide a valid social security or other taxpayer identification issued by the US Social Security Administration. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your identifying documents. Information we Collect: • Information we receive from your application or other forms. • Information from your transactions with us or others. • Information we receive from a consumer reporting agency. Security Measures: We do not disclose any nonpublic personal information about our members except as permitted by law. Only authorized Board Members or Committees Members (i.e. Loan Committee) have access to nonpublic information about our members in order to provide services to our members. We maintain physical, electronic and procedural safeguards that comply with Federal regulations to guard your nonpublic information.
Credit Life and Disability Insurance: We offer Credit Life and Disability Insurance for our consumer loan products. This insurance is required for some loans and the cost of the premium is added to your loan payment.
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Miscellaneous
You can obtain your credit report from three major credit report bureaus.
Equifax Information services P.O. Box 740241 Atlanta, GA 30374 800-685-1111
Experian P.O. Box 2002 Allen, TX 75013 888-397-3742
TransUnion P.O. Box 34012 Fullerton, CA 92834 800-916-8800
DO IT YOURSELF WEB SITES
Myfico.com
Annualcreditreport.com
Freecreditreportservice.com
