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| Accounts/Services |
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SHARE ACCOUNT 
One share ($5.00) must remain in the account at all times to keep account open. Click here for appropriate disclosures. SHARE DRAFT/CHECKING ACCOUNTS NO FEES but member buys own checks. WORKING MONEY ACCOUNTS Earn higher interest with a minimum balance of $2,500.00 in account. Dividends are paid quarterly. Withdrawals are limited to three (3) per month. IRA ACCOUNTS Competitive with other institutions. CHRISTMAS CLUB Have Christmas paid for before it comes! Save through direct deposit payroll each week and receive your money in October with dividends added. VISA CARD Competive interest rates, currently 9.9% and no annual fee. Click here for appropriate disclosures. JOINT ACCOUNT Appoint a joint owner to own the savings account with you. ATM CARDS $1.50 per withdrawal after 4 free withdrawals each month. Other banks, etc. may charge a fee. Look for credit unions and especially the SC 24 or Co-Op Network symbols, which are usually free of charge. Replacement cards will cost $5.00. Maximum of 3 withdrawals per day with $255.00 limit per day (off line $105.00) AUDIO RESPONSE Lets you check your balance and do transfers 24 hours a day, 7 days a week ! LOANS For all purposes (excluding mortgages). Total secured loan limit is up to $35,000.00. Unsecured loans up to $3,000.00 (with high qualifications for members applying, for $5,000.00 unsecured). Open end loans are also available. DIRECT DEPOSIT
WIRE TRANSFERS
LIFE SAVINGS INSURANCE We provide Life Savings Insurance to our members at no charge and we offer Life Insurance for the entire family at a very reasonable group rate.
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