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Member Services
Member Services
 
  Loans Loan Request |  Rates | Top  
 
Low cost loans are available for all your financial needs. The Credit Union is the best place to borrow for new and used cars, trucks, boats, recreational vehicles, vacation, debt consolidation, holidays, and just about any worthwhile purpose. Convenient pre-approval can be set up on most loans for quick turn-around. Call for rate comparison.
 
  Regular Share Account Rates | Top  
 
The basic savings account is called a share account. It represents your share of ownership in the Credit Union. A minimum deposit of $25.00 must be maintained to keep the account open. As a member you will earn dividends and access to all of our services. The first $2000.00 has free life savings insurance coverage. Call for a copy of the policy.
 
  Savings Plus Account Rates | Top  
 
Developed to help your savings grow faster, this account can be used as a stepping stone to a Money Market Account or a Term Share Certificate. The minimum to open is $1000.00 and you can add to it whenever you like. There is a withdrawal fee of $10.00 on this account.
 
  Checking Account & Debit Card Rates | Top  
 
Dividends are paid monthly, no minimum balance required and no monthly fees. Enjoy the security of overdraft protection from share transfer or line of credit. Use a free Debit Card at point of sale or get cash from an ATM.
 
  Overdraft Protection Rates | Top  
 
Overdraft protection line of credit is available to qualified borrowers.
 
  MasterCard Top  
 
With a NRCS FCU MasterCard, you are privileged to a 25 day grace period, no annual fee, and a rate that is consistently lower than other financial institutions. MasterCard Gold and Platinum are also available to qualified applicants. Call for rate comparison.
 
  Money Market Account Rates | Top  
 
With a minimum of $2500.00 to open the account, you can enjoy a higher rate of interest than a regular savings or checking. You can have four free withdrawals per month.
 
  Term Share Accounts Rates | Top  
 
Select the length of time to lock in your funds and interest rate for either 6, 12, 18, 24 or 36 months. Minimum deposit is $5000.00.  Early withdrawal penalty may apply.
 
  Kirby Kangaroo Account Kirby Kangaroo's Website | Rates | Top  
 
Designed especially for our members up to age 12. With a minimum $10.00 opening deposit, children learn to save while reaping the rewards.
 
  Stepping Out Account Top  
 
This is a program to help youth age 13 to 21 learn the principles of sound money management. Services include: checking accounts, savings accounts, credit cards and loans.
 
  Vacation Account Rates  
 
Start saving for your dream vacation now. Minimum to open is $10.00. You can control the amount and frequency of deposits, select the pay out date that fits your schedule, and earn dividends at the same rate as the lowest tier in the regular savings account. There is a $10.00 withdrawal fee if funds are withdrawn prior to the selected pay out date. 
 
  Holiday Account Rates  
 
Get ahead of holiday spending with this account. Minimum to open is $10.00 Add as much as often as you like. Dividends are the same as the lowest tier in the regular savings account. There is a $10.00 withdrawal fee if the funds are withdrawn before the November 15th pay out date.
 
  Other Services Top  
 
  • Western Union
  • Direct Deposit
  • Payroll Deduction
  • Wire Transfers
  • Fax Services
  • Online check reordering
  • 24 hour audio teller
  • Online Banking
  • Bill Pay
  • eStatements