Message from the CEO

WHAT’S NEW AND WHAT IS COMING AT YOUR CREDIT UNION

 This year we have spent a great deal of time on expanding our currentservices and implementing new services.  Most recently  we have expanded our mortgage program to increase the types of mortgages to meet our member’s needs.  During the first quarter of the year we began offering FHA loans.  Most recently we have been approved to offer VA loans to our members, through our mortgage partner, CU Members Mortgage.

VA financing has many benefits for home buyers.  VA loan financing  has many benefits to consider when choosing your mortgage loan.

•  Financing is usually 100% with no down payment
• Private Mortgage insurance is not required.
• There are no penalties assessed if you prepay the loan
• All closing costs can be paid by the seller
• Competitive interest rates
• Competitive terms of financing options and lengths as compared to traditional loans.
• Level principal and interest payments for the full term of the loan.
• Allows for higher loan amount qualification and enhanced buying power.

VA financing is a good choice if you are:

• A Veteran wishing to take advantage of your VA home loan benefits
• You need your monthly payments to remain fixed over the life of the loan.
• You are seeking 100% financing (no down payment).
• You plan on staying in the home long-term.

If you are searching for a mortgage product, check out your credit union.  Through our mortgage partner, CU Members Mortgage, we offer not only conventional mortgage loans, FHA financing and VA loans.  You can apply online through our website, just click on the mortgage application icon.

Additional products that we will soon have available are remote deposit to your account at the credit union.  Soon we will have available two different ways in which you can deposit to your account through our 1stBranch banking, without having to come to the CU, or visiting a shared branch location, to make a deposit to your account.  If you have a scanner at home, or work, you will be able to use our Express Deposit and scan your deposit in through 1^st Branch banking and have the deposit credited to your account.  You will keep the original check to make sure the deposit hits your account, and once the check is in your account, and we confirm receipt you can shred the check.  The second way to deposit through 1stBranch is by Priority Deposit.  When using Priority Deposit you will deposit the check through 1^stBranch banking, print the specially generated deposit slip and mail the check and the system generated deposit slip to the credit union.  You will have 10 days to get the check to the credit union.  These two services, Priority Deposit and Express Deposit allow you to make deposits to your account, without having to make a trip to the credit union.

Later this year we will also have Mobile 1^st banking available.  This service will allow you to have access to your account at the credit union through your PDA/Smartphone or cell phone.  You can receive text messages from your account, check your balances, and access your account through 1^st Branch on your hand held device.

We continue to look for ways to make your account at the credit union convenient, and be truly, available anytime, anywhere.  We continually look for ways to serve you, and striving to continue to meet our vision to you,

1^st in Service

      1^st in Quality

            1^st in Value