You don't have to wait in line at
ValleyTrust!
*ValleyTrust
does not maintain the NADA vehicle pricing guide website and is not
responsible for the content found there.
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| SHARE
ACCOUNTS AND SERVICES |
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Savings
New members are automatically set up with a basic savings account,
which can be used to set aside funds to earn dividends
or to use as overdraft protection for checking. Dividends are paid
quarterly and $50 is the minimum balance required for an active
membership (you can open with just $5). Accounts for minors (under
18) do not require a $50 minimum balance.
Checking
and ATM/VISA Check Card
Find
a no surcharge ATM in your neighborhood
What a combination: FREE checking and a FREE ATM/VISA Check Card!
With no monthly checking account fee and the powerful access of
an ATM/VISA Check Card, you're going places. Here are some of the
money-saving features:
- No
minimum balance required in checking
- No
monthly checking account fee
- No
per-check charges
- Free
telephone transfers
- No Credit Union per-transaction fees for ATM use
- Withdraw up to $500 via ATM networks daily
- Withdraw up to $2000 via VISA network daily
- Overdraft
protection from savings or a line of credit
(available upon loan approval)
- CO-OP
Network, PLUS, STAR/Exchange, Interlink, and VISA networks for
point of sale transactions, purchases, and cash withdrawal at
over 14 million merchants and ATMs across the world!
Direct
Deposit and Payroll Deduction
Take it easy with direct deposit of your paycheck and payroll deduction
for loan payments and savings accounts!
- Don't
take time out of your busy schedule on pay day - put your funds
to work!
- It's
the easy way to pay back loans.
- Pay
yourself with payroll deduction to a Club Account, IRA,
or savings.
- VMC
employees can fill out a sign-up form right at the Credit Union
Overdraft Protection
Protect your checking account by keeping extra funds in your ValleyTrust
savings account and/or applying for a line of credit.
Your checking account is covered with automatic overdraft protection
from savings and a signature line of credit. Your first three automatic
transfers per month are free; additional automatic transfers (up to
six total for the month) are $10 each. Overdraft protection activates
to prevent an NSF from a check or check card transaction.
Christmas and Vacation Club
Save for your next special event - set up payroll deduction and wait
for your check! Choose your payout date for Vacation Club or receive
your check in November for Christmas Club. Club accounts are a great
way to set aside funds so they won't be used for overdraft protection.
Easy, convenient, and you'll feel great knowing you planned ahead!
Individual Retirement Accounts (IRAs)
Open a traditional or Roth IRA contributory account and get a jump
on retirement saving. Consult your tax advisor about which one is
right for you and contact us to set one up.
Certificates of Deposit
Enjoy higher dividends with a certificate account. You choose the
term and deposit at least $1,000, and we'll take care of the rest.
Dividends are paid at maturity or annually, whichever comes first,
early withdrawal penalties apply.
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| LOAN
ACCOUNTS |
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We beat other lenders' rates because we can!
You're business is valuable to us, so we beat the competition! Bring
us a lower advertised rate and we'll generally beat it by 1/4%!*
It's just another way ValleyTrust is working for you!
* (Final rate not to go lower than 1% below published
rate, Internet rates do not apply.)
Automobile
Loans
Check out our great rates and see why
ValleyTrust is the place to finance your new or used car or truck!
Pre-approval? You bet! We also refinance current high-rate vehicle
loans to help you shave monthly payments. Don't forget to check out
Auto Solutions, a member benefit that
can save you time and money!
RVs, Boats, Motorcycles
We do pre-approvals and refinancing for your recreational vehicles.
Long-term financing (up to twelve years) is available for higher-end
RV purchases.
Signature
Line of Credit
Back up your checking account with a line of credit for overdraft
protection. Or, advance funds when needed and as you pay down the
balance the credit line will be available for you to use again. It's
also a great choice for consolidating debt or for infrequent but large
expenses - you choose how to use it!
VISA
Card
Check out ValleyTrust's low rate! Our no
annual fee VISA is accepted worldwide, and no-fee cash advances
are a snap through the ATM or in our office.
(Cash advance portion is figured on daily periodic rate.)
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| HOME
EQUITY LINE OF CREDIT |
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Home Equity Line of Credit
Consolidate
debts, fund your next project, make home improvements! A
Home Equity Line of Credit gives you this flexibility at a low rate
and a monthly payment that is easy on your pocketbook.
- No
"up-front" fees
- Low
adjustable rate
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Ask us about using your tax assessment instead of an appraisal
To learn
more or to get an application, contact us!
Mortgage Loans
Take the hassle out of buying or refinancing with a mortgage through
our lending partner, Loan Services, Inc. First time buyer programs
are available and you can apply via telephone!
For more information or to apply, call a mortgage specialist at (800)
767-6331!
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| FEES |
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| Returned
or NSF (Non-Sufficient Funds) Checks |
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$20.00
each |
| Stop
Payment Request |
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$10.00 |
| Personalized
PIN |
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$10.00 |
| Telephone
Transfers |
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FREE |
| Automatic
Overdraft Transfer (per month) |
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3
free, $10 thereafter |
| ATM/VISA
Check Card |
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FREE |
| Copy
of Cancelled Check |
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First
2 free, $3 thereafter (within calendar month) |
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