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BUILD YOUR WEALTH
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Services

ATM
Conveniently located in next to the gift shop in the hospital lobby.  For a list of Free ATMS, click here!

 

PAL 24
Designed for your convenience to be accessed via your telephone and a password 24 hours a day, 7 days a week.

 

ONLINE BANKING
Access your account 24 hours a day, 7 days a week with our online banking system.

 

SHARE SAVINGS
Your ticket to membership. By opening a share savings account, you qualify for all Credit Union services. A $5.00 minimum deposit is required to begin your relationship with the Credit Union. All dividends are paid quarterly and calculated on your daily balance. $100 balance required to earn dividends.

 

SHARE CHECKING DRAFT
We offer a Share Draft or Checking Account with no minimum balance, no per check fees, and no monthly service charge.

 

SHARE CERTIFICATE OF DEPOSIT
Our Share Certificates offer competitive rates and a variety of terms, including automatic rollover at the current rate, to meet your needs. A $500 minimum opening deposit is required. All deposits are insured up to $250,000 by the National Credit Union Share Insurance Fund, a U.S. Government Agency.

 

CLUB ACCOUNTS
The Christmas Club, Vacation Club or other special savings accounts can help you save money for those special times.

 

LOANS
Atrium Credit Union, Inc. base loan rates on a personalized review of each member's individual credit profile. All members must meet the credit unions underwriting guidelines in order to qualify for credit advances.

 

NEW VEHICLE LOANS
Purchase a new vehicle with a loan from the Credit Union. We offer competitive rates, up to 100% financing, as long as 96 months for repayment and no prepayment penalty. We also offer loans on motorcycles, boats and recreational vehicles.

 

USED VEHICLES
The Credit Union can finance up to 100% of the retail value of a used vehicle. Combined with competitive rates and no prepayment penalty, this is a great way to finance that used vehicle. We also offer loans on motorcycles, boats and recreational vehicles.

 

SIGNATURE LOANS
This unsecured loan allows the member to borrow money for a variety of reasons ranging from bill consolidation to a new computer. Terms on signature loans range up to 48 months.

 

SHARE SECURED/CERTIFICATE SECURED LOANS
An automatically approved loan because your shares or a CD are used as collateral. The rates on these loans are 2.5% above the dividend rate of the savings product used as collateral. The savings product continues to earn dividends while the loan is being repaid and as the loan balance decreases, the share availability increases. This type of loan is a great way to establish credit.

 

CREDIT BUILDER LOANS
CreditBuilder is a loan product designed to help members with no credit, little credit, or unfavorable credit. The program focuses on building or rebuilding your credit score. By improving your credit score, you are likely to get better rates on loans and save a lot of money in the process.

 

HOW IT WORKS
The money you borrow from ACU is put into a savings account on your behalf. It's held as collateral and earns the standard savings rate. The loan is then repaid on a monthly basis at a very favorable interest rate. When your loan is completely paid off, the money you initially borrowed is released to you — it's no longer held as collateral. So in the long run, you will have saved up a nice chunk of money, and, by making regular loan payments on time, you will have established credit or potentially improved your credit score. 

To assist with establishing or rebuilding credit. Loan proceeds will be disbursed to the share account and will be secured until the loan is paid off. Dividends will be earned on the money borrowed. Making on-time payments will reflect on your credit report. Maximum amount - $2,500.00. Minimum term-6 months  Maximum term-12 months.

 

FIRST MORTGAGE LOANS
The Credit Union has partnered with MYCUMORTGAGE to offer you a variety of 1st Mortgage products. Please visit MYCUMORTGAGE where you can apply on line for a mortgage or just browse to see the available products. If you would like assistance, please call for a mortgage application appointment.  Many realtors require pre-approval prior to showings and we can print your letter on the day you qualify! 

 

SIBCY CLINE ADVANTAGE PROGRAM

If you are buying or selling a home you can take advantage of this program.  Simply register at wherever.... and a licensed representative will help you with your mortgage needs.  When your loan closes, you will receive a check for a portion of the revenue. 

 

 

WE HAVE GREAT
RATES AND TERMS!