Alcose offers several different types of loans with various interest rates.

Loans

Alcose has the following loan options available:

Share Certificates

Share Certificates are CD’s. The present rates on certificates are:

	Minimum deposit $1,000	.65% APY* for 12 Months
		.85% APY* for 18 Months
		1.15% APY* for 24 Months

	* Annual Percentage Yield

VISA Credit Card

Alcose does offer a VISA card. Any member may apply for the card. These applications are reviewed by the Credit Committee on Monday and Thursday afternoons. Our VISA card features:

Interest rate of 8.9% for purchases and cash advances.
No Annual fee
25 day grace period
Minimum monthly payment of $25.00
Travel and Accident Insurance
Credit Life Insurance coverage available at a low cost to the member

Members Financial Network

VISA Debit Card

Our VISA Debit Card works with the member’s Share Draft Account. When used, the amount is deducted from checking (transaction) account, not savings. The card may be used at merchants for payment of a purchase or at ATM machines for withdrawals.

Verified By Visa

Click here to login to Verified By Visa

IRA

Traditional and Roth IRA's available. Call the Credit Union for more details.

Credit Disability Insurance:

Credit Disability Insurance is available to members who are taking a loan. This coverage will make loan payments up to $600 per month should the member become disabled during the term of the loan. Ask a Credit Union representative for additional details.

Credit Life Insurance:

Credit Life Insurance is available to members who are taking a loan. This coverage will pay off the loan in the event the member dies during the term of the loan.

MEMBERS® Auto and Homeowners Program

Long Term Care Insurance

The Credit Union now offers long term care insurance. Click here for details.

Payroll Deduction:

Payroll deduction is available for loans, savings, clubs and share drafts. Ask a Credit Union representative how to sign up for this service.

Direct Deposit:

Direct deposit is available. Ask a Credit Union representative how to sign up for this service.

Special Offers To Credit Union Members

(this link goes to an external site)

Home Banking:

This service allows the member to monitor their Credit Union Accounts from their own computer at home. This service is free to all members, however, you must register to use it.

BillPay:

BillPay is available for all members having a checking account. This service has a $3.00 per month charge but only if it is used during that month. You must register to use this service.

E-Statements:

E-Statements are available for all members. There is no charge for this service, however, you must register to use it.

Financial Counseling:

In an effort to serve the needs of our members, we are pleased to announce that Joy Benedek, our CEO, has received her certification as a Financial Counselor. This service is free for any member needing assistance. All sessions and information are completely confidential. Please call the credit union to schedule an appointment.

Think about using us for all your financial needs!