• New: Borrow up to 90% of the Manufacturer's Suggested Retail Price (MSRP).
• Used: Borrow up to the high private party value on most vehicles listed in Kelley Blue Book or Edmunds .

• New: Borrow up to 90% of the total out the door cost.
• Used: Borrow up to Low Retail Value as listed in NADA Guides.

Airplane Loans:

• New: Borrow up to 90% of the total out the door cost.
• Used: Borrow up to Low Retail Value, based on an acceptable appraisal.

• New: Borrow up to 90% of the total out the door cost.
• Used: Borrow up to Low Retail Value as listed in Kelley Blue Book or NADA Guides.

• Borrow up to $10,000.

• Borrow up to the collective balance in all your savings accounts, excluding IRA and Share Draft Accounts.

• Use for protection from overdrafts to your checking account. Overdraft limit is $1000 and payment is $50 per month with any outstanding balance. Use overdraft protection to prevent returned items due to an insufficient balance in your Share Draft Checking account.

• Please contact the credit union for information on Home Equity Loans.

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• Regular share accounts are dividend-paying accounts with a minimum balance requirement of $50 to maintain membership. The higher your balance the higher dividend you may earn. (see our rate schedule for details)

• You may establish a savings account for any reason such as: Holiday, Vacation, Education, etc. Dividends earn the same as Share Accounts.

• We are not offering Share Certificates at this time.

• Our Share Draft Checking accounts have no minimum balance requirement, no monthly service fees and include unlimited check writing (see our rate schedule for details).  Overdraft protection is available from your shares, savings and overdraft protection loan, if you qualify.

• Our Visa Electric Check Card may be used anywhere in the world that Visa is accepted and at ATM's that support the following networks: The CO-OP, Visa, Plus, Star Systems, Discover, and American Express. You may also make deposits and transfers at many CO-OP Network ATM's. When using a CO-OP Network ATM, you will NOT be surcharged.

• We offer Traditional, Roth as well as Coverdell Education Savings Accounts. If you are retired, we can setup monthly distributions and either send you a check or deposit to your savings/checking account.

• You may have your Payroll, Social Security and other recurring deposits directly deposited into your share and checking account. You may also pay your bills electronically, such as home mortgage, telephone, gas and electric, credit cards, and other bills.

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• You may setup your loan payments to be paid automatically from your share or checking account.

• We have MoneyGram money orders.

• Cashiers Checks are available for any reason.

• Wire funds for a nominal fee.

• Notary Public service is available to members for no fee.

• You may add Gap Insurance to any new or used vehicle loan financed at the credit union that covers what your auto insurance does not in case your car is stolen or totaled. The cost of this valuable insurance is $200 per vehicle financed.

Mechanical Breakdown Insurance (MBI):

•  Mechanical Breakdown Insurance is available at a cost usually much lower than the same policy sold by dealers.

• Credit Disability Insurance is available on all loans and makes your loan payment in the event of a disability, after a 30-day deductible. This coverage is available at low cost and is paid with your loan payment.

• Call the Credit Union to obtain the dealer cost on new vehicles and the value of used vehicles. Use this valuable service before you purchase so that you are prepared to negotiate your best deal. You may also visit the Kelley Blue Book and NADA Guides Websites.

• Call the Credit Union for a vehicle purchase referral with no dealer hassle.

• As a member of IBEW Members + Credit Union you are eligible to join Costco Wholesale.