The Credit Union Visa Check Card--
It works just like a check. Only better. In response to so many
member requests, your Credit Union has introduced the Visa Check
Card. Often called a debit card, a Visa Check Card works just
like a check, only better. Use it instead of cash, credit, or
writing a check wherever Visa is accepted at millions of merchants
all over the world. The amount of the purchase will be automatically
deducted from your Credit Union checking account. It's safer than
carrying a large amount of cash and easier than traveler checks.
Use It Everywhere A Visa Check Card is convenient and safe to
use when traveling or for everyday use. Just present you Card
to any retailer that accept Visa, such as gas stations, gift shops,
hotels, and restaurants.
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It's
An ATM Card Too--
A Visa Check Card is also an ATM card. Use it to get cash,
make transfers, or even check your balance at ATMs everywhere.
Just look for the Cirrus or Visa symbol at more than 500,000
ATM locations worldwide.
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Get a copy of your credit report--
Access your Experian credit report and your score instantly.
Life Savings Insurance--
Life Savings Insurance provides each member with life insurance
equal to the amount of his savings account up to a maximum of
$2,000 (subject to age limitations.
Individual Retirement Account (IRA)--
Your credit union offers three types of IRA's: Traditional, Roth,
and Education. An IRA share account is a type of retirement plan
that qualifies for special tax treatment. Under regular contribution
limits, a member may contribute 100% of compensation up to $ 2,000
in a traditional IRA. RCFCU imposes no annual fees or withdrawal
penalties. Deposits are insured by one of the most stable deposit
insurance agencies in the United States (NCUA). Pleas feel free
to contact us and request IRA brochures.
Certificates of Deposit--
Share certificates are available in any amount ranging from $1,000
to $1000,000 at a one year or 6-month maturity. Dividends are
compounded quarterly.
Loans--
The credit union will loan money for any good reason to any member
who qualifies. The making of loans to members is the principle
business of your credit union. Our loan application is available
online.
Credit Disability Insurance--
According to the Research Council for Economic Security, one out
of every three people between the ages of 35-60 will probably
suffer a long-term disability. If you become one of these statistics,
your loan payments could become a real burden. That's why your
Credit Union makes this voluntary insurance available to you.
The plan begins making monthly loan payments after a 30 day period.
Premiums are based on the unpaid balance of the loan and are added
to the loan balance monthly.
Credit Life Insurance--
Credit Life Insurance is protection that every borrowing member
can and should afford. The cost is very reasonable and the premiums
are added every month to the existing loan balance. The insurance
will pay the principle balance of your loan if you die before
your loan is paid off. If you select joint coverage, coverage
is provided in the event of the death of either you or your joint
insured (usually your spouse).
