HomeFURLOUGH NOTICEAUTOMOBILES FOR SALEJUNE 2013 NEWSLETTERNEW MEMBERSHIP INFORMATION TO JOIN CREDIT UNIONNCUA INSURANCE INFORMATIONAbout UsLoan Rates & InformationLoan applicationInformationHelpful LinksFURLOUGH LOANS SKIP A PAYMENTFAQsJUST FOR KIDS

                                Advantages of the CREDIT UNION                                                                                                                                                                                                                                                                                         
                                                                                                                                                                                                                                                                                                                                                                                                      
We offer Savings(SHARE ACCOUNT) with 6 months compounded interest comparable to local Certificate of        Deposit                                                                                                                                                                      Rates .                                                                                                                                                                                                                                                                                                                                                                                         
No waiting period to apply for a loan-open your membership and apply for a loan                                                                                                                                                                                                                                          the                                                                                                                                                                                                                                                                                                                                                                                 same  day.                                                                                                                                                                                                                                                                                                                                                                  
Competetive loan rates                                                                                                                                                                                                                                                                                                                                             
Auto loans-New and Used ,Motorcycles, boats, RVs and other collateral such as computers, Riding                         Lawn Mowers, Etc.  (see our rate page for                                                                                                      current  rates)                                                                                                                                                                                                                                                                                                                                                            
Personal Signature loans up to $6000.00, CHristmas and Vacation Loans up to $1200.00                                                                                                                                                                                                                            
Share Loans-borrow against your own money at a premium rate.                                                                                                                                                                                                                                                                  
We also offer Credit Life insurance & Credit Disability insurance and very reasonable rates.                                                                                                                                                                                                                       
Direct Deposit of payroll for Share deposits and loan payments.                                                                                                                                                                                                                                                                      
 Free check cashing for members-members may come in the EFCU office to cash personal checks for cash                                                                                                                                                                                            
EFCU is a benefit  for ACOE employees anf their immediates family members                                                                                                                                                                                                                                               
                                                                                                                                                                                                                                                                                                                                                                                      
PLEASE CALL OR EMAIL THE CREDIT UNION IF YOU WOULD LIKE A NEW MEMBERSHIP PACKETT MAILED TO                                                                                                                                                                                      YOU.                                                                                                                                                                                                                                                                                                                                                                            
MINIMUM DEPOSIT TO OPEN NEW MEMBERSHIP IS $26.00                                                                                                                                                                                                                                                                             
MEMBERSHIP COST TO OPEN  IS $1.00  ONE SHARE DEPOSIT IS $25.00 WHICH IS REQUIRED TO MAINTAIN  IN THE ACCOUNT TO KEEP YOUR MEMBERSHIP OPEN                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  
WE WILL NEED A COPY OF THE DRIVER'S LICENSE FOR ANY SIGNER ON THE ACCOUNT.WE WILL ALSO NEED   A COPY OF YOUR SF-50 FOR EMPLOYMENT VERIFICATION.IF YOU ARE MAILING IN YOUR FORMS       WE WILL      NEED A COPY OF YOUR SOCIAL SECURITY CARD AND A SIGNED NOTARY                                                                                                                                                                                                                               FORM.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            

Illustration: In the mall

                                     SUPPLEMENTARY FACTS                                                                                                                                                                                                                                              
           IMPORTANT IMFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT                                                                                                                                                                                 
To help the US government fight the funding of terrorism and money laundering activities,  Federal law                                                                                                                                                                                                  
requires all financial institutions to obtain,verify and record information that identifies each person who opens an account .                                                                                                                                                               
                                                                                                                                                                                                                                                                                                                                                                                      
                                                                                                                                                                                                                                                                                                                                                                                      
                                              WHAT THIS MEANS FOR YOU:                                                                                                                                                                                                                               
When you open an account , we will ask you for the following information :                                                                                                                                                                                                      
(1) Your correct and legal name                                                                                                                                                                                                                                                                       
(2) Your physical home and mailing address                                                                                                                                                                                                                                                     
(3) Your date of birth                                                                                                                                                                                                                                                                                      
(4) Any other information that will allow us to properly identify you.                                                                                                                                                                                                                 
                                                                                                                                                                                                                                                                                                                       
                               We will ask to verify your driver's license and any  other                                                                                                                                                                                                   
                                             identifying documents                                                                                                                                                                                                                                        
                                 Thank you for your patience and understanding.                                                                                                                                                                                                              
                                                                                                                                                                                                                                                                                                                      

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