What's New

FUNDS AVAILABILITY POLICY CHANGE

Our Funds Availability Policy explains when funds from deposits to certain accounts you have with us will be available for withdrawal. This Notice describes a change to that policy statement. This change was effective July 21, 2011. If you have any questions about this change, please contact us.

Our previous policy disclosure described certain circumstances when the first $100 of a deposit would be available on the first business day after the day of deposit. The remaining funds from the deposit would be available at a later date. After the effective date of the change, the amount that will be available on the first business day after the day of deposit increased from $100 to $200. For the complete policy click on the link below.

Click Here For More Details

NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a noninterest-bearing transaction account are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules.

The term noninterest-bearing transaction account includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal (NOW) account, money-market deposit account, and Interest on Lawyers Trust Account (IOLTA), even if shares drafts may be drawn on the account.

For more information visit www.ncua.gov.

CREDIT UNION 24 ATM LOCATIONS

As a member you have access to all Credit Union 24 ATMs. Credit Union 24 is the largest national credit union-owned POS network in the United States, with nearly half a million locations at major national retailers and local merchants. Credit Union 24 also counts more than 100,000 ATM locations nationally and internationally, many of them deposit-taking, and offers access to the greatest number of surcharge-free ATMs in the nation. Click on the link below for ATM locations or more information.

Click Here For More Details

TELLER 24

Are you signed up for Teller24, our 24 hour telephone banking system. By calling 229-439-1191 or 1-888-212-1191 and entering your account number and a 4 digit PIN, you can check balances and cleared transactions, transfer funds and even order checks. Call us today for more information or to sign up.

HOLIDAY SKIP A PAYMENT

Looking for some extra cash this holiday season? Skip your credit union loan payment!

Click Here For More Details

INSUFFICIENT FUNDS NOTIFICATION

Beginning January 1, 2012, we will no longer be sending out Overdraft Notices by U.S. Mail to all members when an account is overdrawn. We are instead offering our members the option to receive Overdraft Notices by email.

Click Here For More Details

LIFE SAVINGS INSURANCE PROGRAM

After careful consideration of all the factors involved, we must revise our Life Savings Insurance program, the life insurance that we've made available at no direct cost to our members. New deposits will no longer be eligible for Life Savings Insurance beginning April 30, 2010.

IMPORTANT: This change does not affect your existing Life Savings Insurance coverage on eligible deposits made before April 30, 2010. These deposits will remain eligible until the original deposits are withdrawn or the policy canceled. You will want to keep in mind that because the Life Savings Insurance group policy is offered at the discretion of the credit union, it should not be regarded as permanent insurance.

Any CUNA Mutual Life Savings Certificate of Insurance you have is valid only for eligible deposits made prior to April 30, 2010. The maximum total balance eligible for Life Savings Insurance is $4,000 per member. If you have any questions regarding this change, please contact our credit union office.

SIGN UP FOR FREE eSTATEMENTS

Get your monthly statements delivered to you online. Here are a few of the benefits of eStatements:

1 - No waiting for your statement to come in the mail
2 - No paper statements for thieves to steal from your mailbox
3 - High level of encryption to ensure your personal information is kept confidential
4 - 24 hour access to your financial records
5 - Not only are they FREE, but they help save your credit union money, which in turn means you save money!

To sign up go to Online Banking and click on the Services link on left of the screen, then choose the Change eStatement Options. You will be notified by email when your new statement is available.

VERIFIED BY VISA - IS YOUR DEBIT CARD SAFE?

Do you make purchases online using your credit union Debit Card? Make sure your Debit Card information is safe. We have added Verified by Visa to our arsenal of protection for our members. If you plan to use your Debit Card online, you must register with Verified by Visa.

Click Here For More Details

BOARD OF DIRECTORS & COMMITTEE MEMBERS

BOARD OF DIRECTORS
Arthur Anderson - Chairperson
Billy Adams
Paula Avila
Stanley Bass
Harry Broughton
Willie Corbett
Charles Mancuso
Hank Hammond
Alice Rachel
Debra Richardson
John Scarborough
Harold Denney(Honorary Member)

SUPERVISORY COMMITTEE
Alice Rachel - Chairperson
Rita Rawlins - Staff
Ed Miller
Joyce Prince
George Reever
Vickie Adcox

LOAN REVIEW COMMITTEE
Willie Corbett - Chairperson
Alfonsa Lewis - Staff
Robert Goss
Dianne Owens
Marilyn Smith

MORTGAGE LOANS

We offer mortgage loans through Credit Union Financial Services (CUFS), a company organized to serve credit union members' mortgages.

+Fast and versatile service - one page application.
+Lower closing costs - fixed according to loan amount.
+Very competitive rates - fixed and adjustable rate mortgages available.
+Purchase, refinance, & 1st time buyer programs.

To apply or be pre-qualified see one of our loan officers or for 24/7 service, go to the CUFS website link below.

Click Here For More Details

NCUA INSURANCE CALL CENTER

NCUA now has insurance experts available to answer questions about the coverage provided by NCUA share insurance. Call toll free Monday through Friday, 8:00am to 6:30pm, at 1-800-755-1030, ext 1. Members can also get useful information online using the NCUA electronic tool kit.

Click Here For More Details


Login to Online Banking Online Loan Application Home Services Rates What's New Newsletter Calculators Order Checks VISA Services Repossessions & Foreclosures	What's New *FUNDS AVAILABILITY POLICY CHANGE* Our Funds Availability Policy explains when funds from deposits to certain accounts you have with us will be available for withdrawal. This Notice describes a change to that policy statement. This change was effective July 21, 2011. If you have any questions about this change, please contact us. Our previous policy disclosure described certain circumstances when the first $100 of a deposit would be available on the first business day after the day of deposit. The remaining funds from the deposit would be available at a later date. After the effective date of the change, the amount that will be available on the first business day after the day of deposit increased from $100 to $200. For the complete policy click on the link below. Click Here For More Details *NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS* All funds in a noninterest-bearing transaction account are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules. The term noninterest-bearing transaction account includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal (NOW) account, money-market deposit account, and Interest on Lawyers Trust Account (IOLTA), even if shares drafts may be drawn on the account. For more information visit www.ncua.gov. *CREDIT UNION 24 ATM LOCATIONS* As a member you have access to all Credit Union 24 ATMs. Credit Union 24 is the largest national credit union-owned POS network in the United States, with nearly half a million locations at major national retailers and local merchants. Credit Union 24 also counts more than 100,000 ATM locations nationally and internationally, many of them deposit-taking, and offers access to the greatest number of surcharge-free ATMs in the nation. Click on the link below for ATM locations or more information. Click Here For More Details *TELLER 24* Are you signed up for Teller24, our 24 hour telephone banking system. By calling 229-439-1191 or 1-888-212-1191 and entering your account number and a 4 digit PIN, you can check balances and cleared transactions, transfer funds and even order checks. Call us today for more information or to sign up. *HOLIDAY SKIP A PAYMENT* Looking for some extra cash this holiday season? Skip your credit union loan payment! Click Here For More Details *INSUFFICIENT FUNDS NOTIFICATION* Beginning January 1, 2012, we will no longer be sending out Overdraft Notices by U.S. Mail to all members when an account is overdrawn. We are instead offering our members the option to receive Overdraft Notices by email. Click Here For More Details *LIFE SAVINGS INSURANCE PROGRAM* After careful consideration of all the factors involved, we must revise our Life Savings Insurance program, the life insurance that we've made available at no direct cost to our members. New deposits will no longer be eligible for Life Savings Insurance beginning April 30, 2010. IMPORTANT: This change does not affect your existing Life Savings Insurance coverage on eligible deposits made before April 30, 2010. These deposits will remain eligible until the original deposits are withdrawn or the policy canceled. You will want to keep in mind that because the Life Savings Insurance group policy is offered at the discretion of the credit union, it should not be regarded as permanent insurance. Any CUNA Mutual Life Savings Certificate of Insurance you have is valid only for eligible deposits made prior to April 30, 2010. The maximum total balance eligible for Life Savings Insurance is $4,000 per member. If you have any questions regarding this change, please contact our credit union office. *SIGN UP FOR FREE eSTATEMENTS* Get your monthly statements delivered to you online. Here are a few of the benefits of eStatements: 1 - No waiting for your statement to come in the mail 2 - No paper statements for thieves to steal from your mailbox 3 - High level of encryption to ensure your personal information is kept confidential 4 - 24 hour access to your financial records 5 - Not only are they FREE, but they help save your credit union money, which in turn means you save money! To sign up go to Online Banking and click on the Services link on left of the screen, then choose the Change eStatement Options. You will be notified by email when your new statement is available. *VERIFIED BY VISA - IS YOUR DEBIT CARD SAFE?* Do you make purchases online using your credit union Debit Card? Make sure your Debit Card information is safe. We have added Verified by Visa to our arsenal of protection for our members. If you plan to use your Debit Card online, you must register with Verified by Visa. Click Here For More Details *BOARD OF DIRECTORS & COMMITTEE MEMBERS* BOARD OF DIRECTORS Arthur Anderson - Chairperson Billy Adams Paula Avila Stanley Bass Harry Broughton Willie Corbett Charles Mancuso Hank Hammond Alice Rachel Debra Richardson John Scarborough Harold Denney(Honorary Member) SUPERVISORY COMMITTEE Alice Rachel - Chairperson Rita Rawlins - Staff Ed Miller Joyce Prince George Reever Vickie Adcox LOAN REVIEW COMMITTEE Willie Corbett - Chairperson Alfonsa Lewis - Staff Robert Goss Dianne Owens Marilyn Smith *MORTGAGE LOANS* We offer mortgage loans through Credit Union Financial Services (CUFS), a company organized to serve credit union members' mortgages. +Fast and versatile service - one page application. +Lower closing costs - fixed according to loan amount. +Very competitive rates - fixed and adjustable rate mortgages available. +Purchase, refinance, & 1st time buyer programs. To apply or be pre-qualified see one of our loan officers or for 24/7 service, go to the CUFS website link below. Click Here For More Details *NCUA INSURANCE CALL CENTER* NCUA now has insurance experts available to answer questions about the coverage provided by NCUA share insurance. Call toll free Monday through Friday, 8:00am to 6:30pm, at 1-800-755-1030, ext 1. Members can also get useful information online using the NCUA electronic tool kit. Click Here For More Details