IMPORTANT NOTICE ABOUT OVERDRAFT PROTECTION-COURTESY PAY

Effective April 1st, 2010...Important notice concerning Courtesy Pay (overdraft protection service) Due to some new government mandated regulations, My Credit Union will no longer offer a $300 Courtesy overdraft of any account. Members whose accounts overdraw will still have the automatic transfer from available funds from their savings only (a $2.00 fee). But we will not cover or pay any checks, drafts or direct debits that are not 100% covered by available, cleared funds in the member account. We are not pleased that Congress and the current administration is including credit unions in many of the new laws and knee jerk reactive policies that are results of wall street and big banks. We are fighting for you and credit unions every day to not be swept into this reactive atmosphere. Your debit card services are also in jeopardy. If you would like to help preserve your credit union rights, please visit our button above and see how to write letters to Congress right now.

No fees or other services are changing at this time.

*******************State of the Credit Union*******************

State of the Credit Union: My CU is doing fine despite the economy. We are helping many members survive and revamp their finances everyday. MY CU has over 10% capital reserves (about twice the amt. req'd of banks) Your deposits are safely insured for $250,000. We compete to get you the best rates and prices on your home, home equity and car loans. We work for you and give you options and care about your credit. Just give your local branch a call.

WE NEED YOUR HELP WITH CONGRESS !!!!!!!!!!!!!!!!!

We need any and all members to click on our web page button
Tell Congress NO WAY
on this web page. Store owners, big merchants and small are trying to pass along their credit and debit card fees/charges to YOU.. the consumer......If they have their way, they can also choose to refuse any card but their own store brand......Congress is looking at this right now..

WE need everyone to write your Congressman and say knock it off...DO NOT INCLUDE MY CREDIT UNION in this mess caused by banks and merchants.......the talking & writing points are included in the web link as well as a way to easily forward it to your representative.....Please help...They take notice of the number of people who write....thanks

******************************** Imagine *********************************

Imagine a place to do your banking that's not a bank. Imagine that you are a member, not just a customer. Imagine lower fees for services. Imagine lower loan rates on your car or truck. Imagine lower closing costs on your home and no PMI requirements. Imagine Free checking with a zero balance requirement. Imagine staff members who like to see you and know your name. NO IMAGINATION IS NECESSARY AT MY CU, where all this happens everyday! MY CU is here to help you with all your financial needs at a local level. Just call your local branch. Imagine a place that still answers their phones with no voice mail.

New Years Resolution for Finances ?

Let us help you succeed financially. WE can refinance your car, truck, RV to a lower rate saving you interest every month. WE can refi your home or help you with a home equity loan for home repairs, bill consolidations...WE charge less closing costs and fees than nearly everyone else. Call us and ask us to help...It's why we are here....to serve members and help them succeed.

Cash Rewards----Easy Money !

You can earn extra cash just by sharing the benefits of a credit union with your friends and family. Refer a friend for a savings account, free checking or loan. You receive $25 for each approved service! Click on the link below for more information. No Tricks, We have paid out thousands of dollars in cash to many members this year. Earn some extra cash now. Call us if you need a referral card or have a question. Click the link to print a card.
Click Here

My Credit Union's Meet or Beat Loan Program

In attempts help your family in this dismal economy, we will try to beat your auto loan held with other lenders by 2%. This will save you money on your monthly payment and lower the total cost of your automobile. Visit your local branches for more information.

HOLIDAY CLOSING DATES

Monday, February 15, 2010 - Washington's Birthday
Saturday, February 20, 2010 - Planning Session