| CHECKING
(SHARE DRAFT) ACCOUNTS :: more
info
|
- No monthly maintenance fees
- No minimum balance requirements
- Low cost duplicate checks
- Overdraft Protection - Available as automatic transfer from
regular share account.
- Complimentary checks for members over 60
- Monthly statement - Includes share, share draft and loan
information.
- Starter checks available.
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| SAVINGS
(SHARE) ACCOUNTS :: more
info |
top |
- Regular Share Accounts
- Club Accounts
- Term Share Accounts (CD)
- Kids Klub Account
- U.S. Savings Bonds
- IRAs
|
| LOANS
:: more
info |
top |
- Secured Loans
- Recreational Vehicles
- Share Secured
- Unsecured Loans
- Real Estate Loans
- Guaranteed Student Loans (FFELP)
- On-line
application
|
| INSURANCE
:: more
info |
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- Share Deposit Insurance
- Loan Protection Insurance
- Life Savings Insurance
- Credit Disability Insurance
|
| VISA
CLASSIC CREDIT CARD :: apply
online |
top |
- One low, everyday rate. No teaser rates here.
- Same low rate applies to new purchases and cash advances
- No annual fee if a Champlain Valley Credit Union share draft (checking) account is
maintained.
- 25 day grace period on purchases
- Local payment option. Payments may be made directly to the
credit union in person, through payroll deduction, or transferred
from a credit union share/share draft account.
- Automatic payment option - minimum payment, fixed payment or
full balance.
- $250,000 travel accident life insurance when you charge travel
fares on your VISA card.
- To view your VISA account on-line simply go to www.ezcardinfo.com.
|
| VISA
GOLD CREDIT CARD :: apply
online |
top |
All the same features as our VISA Classic
card with these added enhancements:
- Visa/Assistance Center
- Lost/Stolen Card Reporting
- Travel Assistance Services
- Emergency Card and Cash
- Auto Rental Insurance
- Warranty Manager
- $500,000 Travel Accident Insurance
To be considered for a VISA Gold card you must:
- Have had an active share draft account in good standing for
at least 6 months
- Have had no late payments within the last 12
months on any accounts
- Qualify for at least a $5,000 limit
|
| AUDIO
RESPONSE (ARTI) :: more
info |
top |
- transaction/suffix
codes
- check your share and loan balances
- make check withdrawals
- transfer funds
- make loan payments
- inquire about cleared drafts (checks)
- check on deposits and withdrawals
- request tax information
- loan amortization models
- reorder share drafts
- request loan and VISA applications
|
| HOME
FINANCIAL SERVICES (Online account access) |
top |
| This FREE service allows convenient
access to all your credit union accounts through your personal computer
24 hours a day, 7 days a week.
With Home Financial Services you can:
- Check account balances
- Obtain summary and detail information
on accounts
- Review account history
- Transfer funds between accounts
- Make loan payments
- Monitor cleared drafts
- Check on deposits and withdrawals
- Download account information
to Quicken and MS Money
- Use financial calculators
- No start up fees, monthly fees, or
transaction fees
Request an enrollment
form online or call or come into the credit
union office for an enrollment form today!
|
| ATM/DEBIT
CARD |
top |
| How does a debit card work?
- Can be used as your ATM access device to get cash.
- Can be used instead of a check to make purchases.
- Can be used anywhere MasterCard is accepted.
- Can be used to get cash back at a number of store locations
when you make purchases (point of sale).
- Visit Falcon
Cooperative ATM Network website for maps and locations.
Why use a debit card?
- You only have to carry one card to do all the above.
- Convenience of a charge card that draws on checking, so no
bill at month's end.
- Cash back at many store locations, avoiding fees and surcharges.
- The grocery store line is faster. No ID needed, nothing to
write, cash back.
- You will never hear, "we only accept local checks."
- Save money by using fewer checks.
|
| YOUTH
SERVICES |
top |
| Kids Klub Account
- Ages 2-12
- Special incentives for saving.
- Periodic contests for prizes.
- Complimentary piggy bank with initial deposit.
Young Educated Savers (YES)
- Educational/Instructional program for teens.
- Ages 13-19.
- Special teen program checks.
- Low minimum certificates of deposit.
- Small loans.
- Low limit VISA card.
- Complimentary checkbook covers and specially designed khaki
cap.
|
| ADDITIONAL
SERVICES :: more
info |
|
- Information Services
- Convenience Services
- Money Handling Services
|
