united savers trust credit union

INTERNET BANKING | Login

CHRISTMAS LOANS NOW AVAILABLE! CALL THE CREDIT UNION FOR DETAILS.

 

INTERNET BANKING

Internet banking is now available, FOR FREE, to all credit union members, with checking accounts. Through Internet banking, you can transfer funds between accounts, check balances and make your credit union loan payments.

Click on the Internet Banking link to the left, visit the Virtual Branch link and go to Enroll Online.

 

AUTO PROMOTION

We will pay our members $50 for every member they refer to the credit union who makes a secured loan with us. (This does not include any kind of unsecured loan.)

If the member they refer is a new member to us, that new member will receive a $25 gift card to Walmart/Sam's. The new member does not have to make a loan with us to get the gift card, they just need to open a new account and become a USTCU credit union member. However, if they do make a secured loan with us, they get great rates and great service and you, our member, get a $50 referral fee.

 

USED AUTO PROMOTION (effective January 2015)

Is your credit less than perfect? Your credit alone does not disqualify you from getting a car loan from the credit union. If you have been denied credit before based on your credit report or a high debt ratio, come see us again!

Bring us a recent paycheck stub for proof of income, and complete a loan application and let us see if you qualify for a new or used auto loan. Tiered lending rates on new and used auto loans have been lowered to 8.5% and 10.5%.

 

TITLE LOANS

Title loans are for members who have credit problems, or high debt to income problems, but have a clear title to a vehicle.
We will loan up to 60% of the NADA Clean Trade.  A Car Fax report is required prior to funding.  The member will pay a $10 fee for the report.

This loan requires a physical inspection of the vehicle and proof of liability insurance.  Full coverage insurance is required on loans financed for more than $3,000.  A copy of a valid driver’s license is required before the loan is funded.
Our minimum loan amount is $1,000 and our maximum is $6,000.  The filing fee to register our lien is paid by the member.

 

DO YOU NEED TO SKIP A MONTHLY PAYMENT ON YOUR LOAN?   It’s like a gift from the credit union!  Our Skip-A-Payment program allows you to skip your current payment, without becoming delinquent, for a small fee of $10.  (This will add a month to the original term of your loan.)  Loans less than one year old are not eligible.  Terms and Conditions do vary, so call us to see if you are eligible.        

 

CHRISTMAS LOANS - October 1, 2016 thru February 1, 2017

12-12-12% - (For Members with good credit)
Borrow $1,200 for 12 months at a rate of 12%.

Or

12-12-18% - (For Members with 5 or more years of employment that don’t have good credit)
Borrow $1,200 for 12 months at a rate of 18%

Or

$500 – 18% - (For Members with less than 5 years of employment that don’t have good credit)
Borrow $500 for 12 months at a rate of 18%

(Restrictions apply. Call or come in for details.)

 

TAKE SOME ADVICE:    Be careful who you give your credit union account number and routing information to.  We only have 48-hours to return a fraudulent ACH transaction, and we cannot return a Debit Card/ATM transaction at all.

We are a small credit union and yet we have members every month that are having unauthorized withdrawals deducted from their checking and their savings accounts.   It is so hard to prove fraud when you use your debit card, especially when the thieves are using your account number over the Internet.  It really is the same as using cash.  It would be better for you to use a credit card or your Debit Card, but select Credit at the machine prompt.   When using your card for Internet transactions, a Credit Card transaction requires the three digit code on the back of the card.  If thieves don’t actually have your card, they won’t know that code.  Also, most Credit Card companies offer an immediate refund even while researching the problem.

 

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