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Copyright 2008 - 2013

NCSECU

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ACCOUNTS AND SERVICES
Share (Savings) Account
A balance of at least $5.00 is required to maintain membership in the Credit Union and take advantage of other savings and loan products as well as other member benefits.

Truth In Savings Disclosure Electronic Funds Transfer Disclosure

USA Patriot Act Requirements to Open Accounts

Christmas Club
For that special time a special savings plan. No minimum deposits or set contributions. You decide when and how much to contribute.

Truth In Savings Disclosure - Christmas Club

Bonus Insured Account
Minimum balance requirements, dividends paid monthly. One penalty free withdrawal per month.

Truth In Savings Disclosure

Certificates of Deposit
The Credit Union offers a range of certificates to choose from with varying lengths of time. Choose from 6,12,24 or 36 months.
Individual Retirement Account
The Credit Union offers Traditional, Roth IRA’s, and Coverdell ESA.
Share Draft (Checking) Account
At your Credit Union we keep things simple for you when it comes to your Share Draft (Checking) Account. The Credit Union charges no fees on the checking account. You pay a small fee to have your checks printed. Senior citizens (age 62 and over) receive our base checks for free twice a year. We also have a discount for College age members (16-22 years ) on their first box of checks. Your Credit Union checking comes with overdraft protection from savings and for those who qualify overdraft protection from a Line of Credit.

Share Draft Policy Electronic Funds Transfer Disclosure

Overdraft Policy

New or Used Auto
When it’s time for a different vehicle, your Credit Union offers low rates and terms to fit your needs.

Indirect Lending Installment Loan Disclosure

Recreational Vehicles
Enjoy the great outdoors with a variety of things: motorcycles, boats, trailers, campers, personal watercraft, and all-terrain vehicles.
Line of Credit
You have the option of maintaining a revolving line of credit. The money will be available when you need it ... at a moment’s notice.

Line of Credit Disclosure

Double Wide Home Loans
Your Credit Union offers affordable rates and terms when purchasing your mobile home on property or in a park.
Mortgages
Your Credit Union offers mortgages for home purchases and refinances through Member First Mortgage LLC NMLS#149532.
VISA
Enjoy the freedom and security of using your Credit Union VISA card. Use wherever VISA credit cards are accepted. We offer the following: Up to $5,000 credit limit (For those who qualify), 10.92% A.P.R. for purchases, 10.92 % A.P.R. for cash advances, No annual or cash advance fees, payments accepted at the Credit Union.

Visa Disclosure Verified By Visa ScoreCard Rewards

On-line Account Access
The Credit Union offers convenient 24-hour access to your account through your computer on the internet. You can do balance inquiries, transfers, histories, and obtain Credit Union information like interest rates and figure loan payments.

Fee Schedule Authorization Form      It's Me 247 Learning Videos

CU*EasyPay
On-line Credit Union bill payment service through our on-line account access. Please see Credit Union for fee details.

EasyPay Information   Fee Schedule  

Getting Started    Transferring Money     Helpful Features

Audio Response
The Credit Union offers convenient 24-hour access to your account through your telephone. Simply dial an 800 number and press a few buttons and find your balances and inquiries and transfer money. The same convenience of on-line access with out a computer.

Fee Schedule Authorization Form

ATM Card
Convenient 24-hour availability to your account worldwide. You can deposit, withdraw, transfer and balance inquiries. Deposits are free, other fees may apply see Credit Union for details.

Fee Schedule Electronic Funds Transfer Disclosure

Locate ATM Machines

Debit Card
Can be used everywhere MasterCard debit cards are accepted instead of writing a check. The funds are deducted from your checking account. No fees and maximum limit is $2,500 for those who qualify

Electronic Funds Transfer Disclosure Fee Schedule

Service Centers
A branch office of our Credit Union located in many different areas of lower and eastern Michigan. They have extended daily and some have Saturday hours for your convenience.

Shared Branch Locations

Shared Branching
A service free of charge that allows you to make deposits and withdrawals at designated Credit Unions around the state of Michigan.

National Branch Locations

Money Orders
Laser printed money orders for a small fee.

Fee Schedule

Wire Transfers
Receive wires in at no cost to you. Wire money out for a small fee.

Fee Schedule

Courtesy Pay
Available to those who qualify in addition to our free overdraft protection. Courtesy Pay will cover your checking account in the event of an inadvertent overdraft for a small fee.

Courtesy Pay Disclosure

VISA Pre-Paid Debit Cards/Gift Cards
Visa pre-paid, re-loadable cards and single load gift cards.

Fee Schedule