CD's - $10,000.00 or more
2.50% - 3 mos
2.65% - 6 mos
2.75% - 1 year
Regular CD's or IRA CD's Available
Special: JUMBO CD $25,000.00 minimum
3.00% APY for 24 months
(offer good through 12/31/08)
Despite falling interest rates, your credit union has been able to maintain all current rates this quarter. Lock in CD rates before the Fed lowers rates again in 2008.
SHARE DRAFT ACCOUNTS For easier access to your shares, we recommend opening a Share Draft Account. There is no monthly service charge and in most cases there is no balance required. Deposits can be made through payroll deduction at either office. Unencumbered shares may also be transferred. Remember, money must be on deposit before checks are written.
VISA CHECK CARD Available to eligible members with a Share Draft Account is the Visa Check Card. You can use it at any ATM displaying the VISA logo or anywhere VISA is accepted to make withdrawals and purchases from your Share Draft Account . It's the card that works like a check. When you make a deposit or transfer, the funds are not immediately available in the check card system.
Reminder: You can make deposits or withdrawals at either ATM machine. 24 HOUR ACCESS If you do not have a VISA CHECK CARD, you can apply for one at either credit union office.
HOLIDAY HOURS We will be closed on: Monday, October 13th,
Columbus Day
Tuesday, November 11th,
Veterans Day
Thursday, November 27th,
Thanksgiving Day
Thursday, December 25th,
Christmas Day
Thursday, January 1st
New Years Day
SPECIAL HOURS Wed. December 24th OPEN UNTIL 1PM
Wed. December 31st OPEN UNTIL 1PM
First 48 Uncirrculated State Coins are now available at either office. They can be purchased individually or in a collectors set($196.30).
The first 7 of thePresidential Dollar Coins is now available in the Philadelphia and Denver mint for $1.75 each.
INACTIVE ACCOUNTS Accounts with no activity and a balance under $100.00 will be charged $1.00 per month, quarterly
Movie Tickets:
Cinemark (restrictions) $6.00
Cinemark (no restrictions) $7.00
Managed Credit
Lending Program Rates SIGNATURE LOANS *STARTING AS LOW AS 9.50% APR Maximum $8,000.00
SHARE SECURED LOANS *STARTING AS LOW AS 4.25% APR
NEW VEHICLE LOANS *STARTING AS LOW AS 5.5% APR
USED VEHICLE LOANS *STARTING AS LOW AS 6.75% APR 2001 OR NEWER
COMPUTER LOANS *STARTING FROM 9.25% APR up to 24 months
TUITION LOANS *STARTING AT 6.00%
up to 12 months
HOME EQUITY LOANS *STARTING AT 6.50%
MORTGAGES *STARTING AS LOW AS 6.5%
FUEL Loans *STARTING AS LOW AS 5.00% FOR 18 MONTHS UP TO $2500.00
RATES EFFECTIVE AS OF 09/10/2008
*Your rate may vary from the above rate and will be determined by your Credit History.
Incol Credit Union offers Safe Deposit Boxes. They are available to rent, in our Kingston office. Sizes and Prices are as follows:
If you are interested, please let one of our tellers know.
STATEMENT DISPUTES
PLEASE BALANCE YOUR STATEMENTS UPON RECEIVING THEM. WE CANNOT BE HELD RESPONSIBLE FOR ANY DISPUTES BEYOND 60 DAYS. THIS INCLUDES ANY ACH (AUTOMATIC CLEARING HOUSE) DISPUTES. REGULAR BALANCING WILL HELP AND CORRECT ANY ERRORS.
**PHEAA LOAN APPLICATIONS are now available at both Credit Union offices.
We are now accepting applications for our credit card program.
Support the Geisinger Children's Miracle Network. The following can be purchased at either credit union office:
Bear Back Pack - $10.00
Tootsie Roll Banks - $5.00
Bracelets - $2.00
Gumball Machine - $5.00
Ice Scraper- $5.00
Overdraft Protection is available to qualified share draft account members. Contact either office for information.
< Irrevocable Burial Accounts If you want to shelter money for funeral costs from the nursing homes, contact either office in regards to these accounts.
We are now offering:
Gift Cards $25.00 Minimum
$500.00 Maximum
Fee $2.50 - $5.00
Victim of ID Theft??? Report all suspicious contacts to the Federal Trade Commission through the Internet at
www.consumer.gov/idtheft,
or by calling 1-877-IDTHEFT.
SUB-ACCOUNTS SH - RG Shares
SH - 03 Roth IRA
SH - 04 Roth Conversion IRA
SH - 05 Roth Education IRA
SH - 06 Traditional IRA
SH - 07 Share Draft Account
SH - 08 Christmas Club
SH - 09 Vacation Club
SH - 10 Pet Plan
Better Choice Program The Credit Union answer to Payday Lending is now available @18% APR with a $25.00 fee**$500.00 for 90 days (max)
GO GREEN and SIGN UP TO RECEIVE
E-STATEMENTS RATHER THAN PAPER!
Entertainment Books Now Available
for $20.00 Great X-Mas Gift!
Any fraud scams or fraud alerts, go to http://www.fraud.org
Your Shares are insured by NCUA up to $250,000.00
Who owns the Credit Union?
You do! Once you deposit money in the Credit Union, you become a member and a shareholder. Eligible members can then vote for the Credit Union’s Board of Directors on a one-member, one-vote basis. Officers and directors are chosen from the membership. They serve on a voluntary basis. And once you join, you not only become a member of the Credit Union but part of a national financial system. The Credit Union does not stand- alone. It is joined by some 12,000 credit unions throughout the United States and is supported by state and national credit union organizations.
Kingston Office
The New Bridge Center
480 Pierce Street
Suite 120-121
Kingston, PA 18704
Tel: 570-288-2326 / 570-288-2327
Hours: 9 to 5 Mon.-Thurs.
9 to 6 Friday
Old Forge Office
510 Bridge Street
Old Forge, PA 18518
Toll Free 1-800-698-0101
Tel: 570-457-8899 • Fax: 570-457-8986
Hours: 8:30 to 5 Mon.-Thurs.
8:30 to 6 Friday
Be advised that:
1) by clicking on any link to other Internet addresses, you are leaving the Credit Union's web site;
2) you are linking to an alternate web site not operated by the Credit Union;
3) the Credit Union is not responsible for the content of the alternate web site;
4) the Credit Union does not represent either the third party or the member if the two enter into a transaction;
5) privacy and security policies may differ from those practiced by the Credit Union.
