SHARE ACCOUNTS (SHARES): Regular Shares Christmas Shares Special Shares       Dividends are posted to your account quarterly Statements are mailed quarterly Share Accounts carry Life Savings Insurance.  This insurance is provided for eligible members up to $3,000.00 at no cost to members Share accounts are separately insured to $250,000.00 by the NCUA Open a Share Account

SHARE DRAFT ACCOUNTS (CHECKING):   No minimum balance No service charge Online check reordering Check cashing privileges are available to members with a Share Draft account Monthly statements Share Draft accounts are separately insured to $250,000.00 by the NCUA Open a Share Draft Account

VISA®/STAR CHECK CASHING CARDS:   The power of both an ATM card and a check cashing card Honored anywhere VISA®  is accepted and at ATM machines displaying the STAR® or the Plus® symbol Access to Share Draft account for purchases and withdrawals Access to Share account for withdrawals only Daily reset amounts are $300 for ATM withdrawals and $500 for check cashing No cost Apply for a VISA® Check Cashing Card

CERTIFICATES: Six-Month Share Certificates 12-Month Share Certificates 18-Month Share Certificates 24-Month Share Certificates 30-Month Share Certificates 36-Month Share Certificates Minimum $1,000.00 Minimum $   500.00 Minimum $   500.00 Minimum $   500.00 Minimum $   500.00 Minimum $   500.00

IRA INVESTMENT ACCOUNTS: Traditional Roth Coverdale Education Savings Accounts (formerly Educational)             Save for retirement years with an IRA Investment Account Excellent Rates with dividends posted quarterly IRA accounts are separately insured to $250,000.00 by the NCUA

LOANS:         Auto Loans Home Equity Loans Motorcycle, RV, and Boat Loans  Share and Certificate Secured Unsecured Loans Loan policy is based on the member's needs and ability to repay Interest rates vary according to the type of loan Credit Disability and Credit Life Insurance may be purchased by qualifying members under the statement of insurability New members are eligible to apply for an unsecured loan three months after becoming a member Guaranteed Asset Protection (GAP) insurance is available for most car loans Apply for a loan Guaranteed student loans (PHEEA) and Parent Plus loans are also available.

CREDIT UNION VISA® CARDS:       12.90% APR* No annual fee 25-day grace period VISA® credit card honored world-wide Credit Union VISA® card holders pay less! New members are eligible to apply for a Credit Union VISA® card three months after becoming a member Lost of stolen card?  Call the credit union immediately - after hours call 1-800-433-0505 Apply for a VISA® Credit Card

*APR - Annual Percentage Rate