Transactions to any credit union account may be made
by mail, in person, through payroll deduction or direct deposit.
Dividends are paid on all dividend-bearing accounts on a monthly
basis, and represent a return to our members on their savings
deposited. Interest is paid on Certificates of Deposit and IRA
CD's upon maturity. Dividend/Interest rates are reviewed and set
by the Board of Directors, who monitors the credit union's net
earnings and other competitor rates in our area.
Statements are issued quarterly (unless you have a
share draft account, which generates a monthly statement). The
statements itemize all activity that has occurred on each account
throughout the statement period. Members are encouraged to
review their statements for accuracy, notifying the credit union staff
of any discrepancy discovered.
Deposit Account Services:
A full range of lending products are offered to our membership,
including personal loans, new and used automobile loans, recreational
vehicle loans, overdraft protection, share-secured loans, and real estate loans (purchase, land and home equity) secured
by properties in North Carolina. All information received in
connection with a loan request is considered confidential and private.
Remember that when you borrow from the credit union, you are receiving
the same funds that members have deposited. This money belongs
to your co-workers, friends and even your own family members. As
a result, it is your responsibility to see that your loans are repaid
in a timely manner for the good of your credit union. We will
always be able to assist the honest and well-meaning member who just
ran into some hard luck.
New and Used Automobile/Truck Loans
New and Used Recreational Vehicle Loans
Overdraft Protection (linked to Share Draft
Home Equity Lines of Credit
VISA Credit Cards
VISA Travel/Money Cards
VISA Gift Cards
Biltmore House Tickets
Southern Show Tickets