Share/Savings AccountsThe first account you open to become a member of P & S Credit Union. This account is designed to meet your basic savings needs. A minimum balance of $25.00 is required. This type of account earns a quarterly dividend for average daily balances above $100.00.
Share Draft/Checking AccountsThis is a regular checking account with no monthly fee or per check written fee. All checks come with a carbonless copy, statements are sent monthly and dividends are paid monthly on the average daily balance. Available services with your checking are online banking, bill pay, VISA debit Cards, credit line, direct deposit and automated payments in or our of your checking. The first 50 checks are free.
Deluxe CheckingThis checking account has all of the benefits of our regular checking account plus no annual fee on your VISA Debit Card and no fee to purchase money orders or travelers checks. A minimum of balance of $1,000.00 is required.
Certificates of DepositFor maximum dividends invest in a P & S Credit Union Certificate of Deposits. Certificate of Deposits are high-yield deposit accounts in which your funds are invested for a set period of time. Withdrawals cannot be made during that period, or "term" without incurring a penalty, but you are guaranteed to earn dividends at the stated dividend rate throughout the term. P & S Credit Union's Certificate terms are 6 months, 1 year and 18 months.
"IRA" Individual Retirement AccountsIRA deposit accounts are a great way to save for the future. P & S Credit Union offers Traditional, Roth and Coverdell Education Savings Account IRA's. Rollovers from other financial institutes are accepted. The minimum to open an IRA account is $5.00, and unlimited deposits up to the legal limit are allowed. Dividends are paid quarterly on the average daily balance.
Holiday ClubThis account helps you save money separately for the holidays. A minimum deposit of $5.00 is required. Deposits earn dividends on the average daily balance and are paid annually. Regular withdrawals are not allowed on this account. Dividends are paid on October 31st of each year and then a check is sent to you for your holiday shopping.
Share AccountsP & S Credit Union also allows you to have up to 6 additional savings accounts under your regular account number to save for your individual needs. Like taxes, insurance, back to school, vacation, ect. Dividends are paid quarterly on the average daily balance.
Kids ClubHelp your child, grandchild, niece or nephew to learn about savings. Kid's club is a savings account for children 14 years old or younger. Birthday cards are sent, small gifts are given for deposits and occasional fun savings information is mailed. A minimum deposit of $5.00 is required, when the child reaches the age of 15 the account balance requirement increases to $25.00. Dividends are paid on the average daily balance quarterly once the balance reaches $100.00.
Vacation AccountsThis is a special account set up for our union members. The employer makes monthly deposits into the employees account for vacation pay, which the employees can withdrawal quarterly. (See union schedule for withdrawal months) Dividends are paid quarterly on the average daily balance.
Low Cost LoansLoans for just about every purpose are available at P & S Credit Union. We want to help with manageable loans that will fit your budget. Make your loan payments the easy way through payroll deduction or direct transfer from your savings or checking account. Let the Credit Union take the worry out of making your loan payments on time. The following are loans offered by P & S Credit Union.
- Signature loans
- New & used auto loans
- Recreational vehicle loans
- Loans secured by shares (savings)
- First Mortgages
- Second Mortgages
- Home Equity LOC
- VISA Credit Cards
- VISA Debit Cards
All Other Services
- Payroll Deduction
- Dues Transfer
- Direct Deposit
- Money Orders
- Online Banking
- Bill Pay
- CUNA Mutual Group Online Service
- MEMBERS® Auto & Home Insurance
- Free Notary Service
- Automatic Share/Loan Transfer
- Services Centers Nationwide
- ACH Payments
- Home Equity
- Financial Education Center
- MEMBERS® Financial Services
For more information on any of these services, call or stop by the credit union.