Ibew 116 Federal Credit Union

Description

SHARES: Your share account is considered your savings account and is designed to help you save money. Dividends are compounded daily and credited quarterly. A rate and fee schedule is available upon request. IRA’S (Individual Retirement Accounts): IRA share accounts are available. Dividends are compounded daily and credited quarterly. A rate and fee schedule is available upon request. CERTIFICATE OF DEPOSITS: 6 month, 12 month, 24 month. A rate schedule is available upon request. See the "Rate Information Tab" above for our current certificate rates. LOANS: We offer various types of loans such as: Signature Loans, Share Secured Loans, New and Used Vehicles, New and Used Boats, & RV’s Rates are subject to change. See the "Rate Information" Tab above for our current loan rates. GAP Insurance In today’s market, during the first few years that you own your vehicle, the loan balance can be higher than the actual value of your vehicle as a result of depreciation. If your vehicle was totalled in an accident or stolen, would you be able to pay the difference between your insurance settlement and your loan balance? Guaranteed Auto Protection (GAP) Insurance will cover the difference between the market value of your vehicle and the loan balance. Before you finalize your auto loan ask for details about GAP insurance. Purchasing a vehicle – or is your warranty about to expire? Protecting this major investment with extended service protection makes sense. This insures your vehicle is always in the best working condition, and you can get to your jobsite. Repair costs can add up, especially after the manufacturer’s warranty expires. The service contracts are very competitively priced, fully insured by large insurance company with integrity, $10+ billion in assets and an A+ Superior, A.M. Best rating. Just call us for more details. LIFE AND DISABILITY INSURANCE Who will make your loan payments when you can’t? For cents per $100 borrowed, protect your credit union loan with disability and/or life insurance for you the borrower. See the "Rate Information" Tab above for our current loan rates. MASTERCARD: We do offer Mastercard. Our rate is presently at 13% APR*. This card does not have an annual fee or overlimit fee. There are fees for returned checks, stop payments on convenience checks, convenience check reorders , and late fees. *Annual Percentage Rate FOR EXISTING MASTERCARD HOLDERS, PAY YOUR MONTHLY PAYMENT (AT NO CHARGE ) USING THIS LINK: EASY AND CONVENIENT www.gotomycard.com For a copy of the IBEW 116 FCU credit card agreement and disclosure please contact us at 817-335-3658 SHARE DRAFT ACCOUNTS: In banking terms this means checking accounts. A rate and fee schedule is available upon request. See the "Contact Us" Tab above. We are ready to answer all your questions about our share draft accounts. INTERNET BANKING: Our web address is ibew116fcu.org Access your account by selecting the "Access Account" tab above SHARED BRANCHING: To find our nearest Shared Branching Facility Click on www.creditunion.net ENTERTAINMENT DISCOUNTS: We offer numerous discounts for such places as Six Flags, Sea World and more. We also have Passbook Discount Books.

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