Products/Services







 

At IBEW Members + Credit Union, we offer much more than just superior rates. We also offer many free and low-cost extras to make your life easier. Our goal is to be your primary financial institution, and as such, we are determined to bring you the very best in products and services.
Auto Loans:
  • 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 .
Boat and RV Loans (Motor Homes, Travel Trailers, etc.):
  • 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.
Motorcycle, Jet Ski and Snowmobile Loans:
  • 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.
Unsecured / Signature Loans:
  • Borrow up to $10,000.
Savings Secured Loans:
  • Borrow up to the collective balance in all your savings accounts, excluding IRA and Share Draft Accounts.
Overdraft Protection Loans:
  • 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.
Home Equity Loans:
  • Please contact the credit union for information on Home Equity Loans.

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Share Accounts:
  • 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)
Savings Accounts:
  • You may establish a savings account for any reason such as: Holiday, Vacation, Education, etc. Dividends earn the same as Share Accounts.
  • Share Draft Accounts (Checking):
  • 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.
ATM / Debit Card (Visa Electric Check Card):
  • 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.
IRA's:
  • 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.
Direct Deposit / ACH:
  • 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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Automatic Payments:
  • You may setup your loan payments to be paid automatically from your share or checking account.
Money Orders:
  • We have MoneyGram money orders.
Cashiers Checks:
  • Cashiers Checks are available for any reason.
Wire Transfer:
  • Wire funds for a nominal fee.
Notary Public Service:
  • Notary Public service is available to members for no fee.
New and Used Car Price Books:
  • 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.
Vehicle Purchase Referral Service:
  • Call the Credit Union for a vehicle purchase referral with no dealer hassle.
Wholesale Shopping Clubs:
  • As a member of IBEW Members + Credit Union you are eligible to join Costco Wholesale.
 

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