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US Federal Credit Union History
The US Federal Credit Union was first organized in 1925 and it is currently the oldest financial cooperative society in Minnesota. To its credit one of the founders of the US Federal Credit Union was credit union pioneer Thomas W. Doig. People who are eligible to be members of the US Federal Credit Union are those who live, work, worship, volunteer or attend school in any of the following communities : The Greater Twins Community, The North Field Community and the Atlanta Community.
US Federal Credit Union Membership
Membership of the Credit Union is also open to the immediate family of any of the members who fit the above criteria. According to the Terms and Conditions of the US Federal Credit Union immediate family is defined as any of the following: Spouse, Children, Siblings, Parents, Grandparents, Stepparents, Stepchildren, Stepsiblings as well as Adoptive relationships.
Personal and Business Checking Accounts
The US Federal Credit Union offers the usual range of services to its members. Some of these services include Checking accounts which comes in two variants Personal Checking accounts and Business Checking accounts. All checking accounts come with value added features like unlimited check writing, free cash and check card, 24/7 account access, and no minimum balance requirements.
Other services with Checking accounts which may come at a minimal charge to a US Federal Credit Union member include: Overdraft privileges, Direct Deposit which allows members to deposit their paycheck, social security checks and other sources of income with their US Federal Credit Union account.
US Federal Credit Union Savings Accounts
Savings features also exist at the Credit Union and they come in many variations. The Share Savings account requires a minimum balance of $5 only and it comes with a free life insurance policy. Members earn dividends every day and these dividends are paid out every quarter of the year. The Preferred Savings account boasts a higher return than the Share Savings account but does not come with an insurance policy , members who opt for this account receive dividends daily and the dividends accumulated are paid out every month.
Other Savings features with US Federal Credit Union include the Money Market Savings Account which is a federally insured brand of savings deposits. The Money Market Savings account requires a minimum $2, 500 deposit and the insurance on your deposits is to the tune of $100,000 in case of any eventuality.
Loans for Home Improvement, Mortgages, Cars
US Federal Credit Union also provides loans to its members, these loans include home loans for anything from home improvement to mortgages, other loans include vehicle loans for purchasing or car or paying for car maintenance. US Federal Credit Union provides payday loans as well for members who need loans before their actual pay date. Businesses who are members of the Credit Union may also apply for loans from the union from time to time.
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Other US Federal Credit Union resources:
Free Credit Report
Site set up by the big three credit reporting agencies in the United States, to
furnish free annual credit reports, as required by federal law.
Best Credit Cards
Average rates, features, fee and rate comparisons and searches, scam alerts, FAQ
and articles.
Money Market Accounts
Provides business banking services from branches statewide.
Credit Bureaus
National consumer credit reporting company that offers credit reports, FICO(R)
credit scores and identity theft protection products to consumers and small ...
Free Credit Check
National consumer credit bureau and business credit reporting service.
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Copyright 2006-2007 CreditUnionReports.com : US Federal Credit Union |
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