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| Frequently Asked Questions |
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- What are your hours?
We are open Monday through Friday. On Monday, Tuesday,
and Thursday our hours are 8:30 a.m. until 5:30 p.m.
On Wednesday our hours are 10:00 a.m. until 4:30 p.m.
On Friday our drive thru is open from 7:30 a.m. until
6:00 p.m. and our lobby is open at 8:30 a.m. through
5:00 p.m.
- How do I apply for a loan?
We require that you come in the lobby and fill out
an application. We will pull your credit report. You
will need proper I.D. and a recent pay stub. Our loan
officer will visit with you and get any additional
information.
- How quick does my check clear?
Your check may clear the same day and more often the
next business day. If is important that funds are
in your account prior to issuing any checks.
- How may ATM’s do you
have?
We currently have a machine inside of Rockwell Automation
and at our Main office location. Our ATM cardholders
may use any presto machine (at Publix) or cu here
or cu24 machines surcharge free.
- Are the ATM/Debit cards free?
We issue the first cards free to those members who
maintain a checking account with us and are credit
worthy. Replacement cards are issued once a $10.00
fee is paid.
- How long will it take to get
my check order? Debit Card?
Check orders and Debit cards are received between
7 and 14 business days. The PIN number will arrive
approximately two days later than your debit card.
- Can I have a copy of my credit
report?
We do not give out copies of credit reports. We will
discuss and disclose what we see listed on the credit
report to you. We will only pull a credit report when
a service requires up to and not at a member’s
request. We will make available the phone numbers
for the three reporting agencies as well as their
website. Credit Bureaus by law must issue you a free
credit report annually, upon your request.
- What are the three credit
reporting agencies and their phone number?
Equifax – 1 800 685 1111
Experian – 1 888 397 3742
Transunion – 1 800 888 4213
- What is a Beacon Score?
It is the score a credit bureau give each person based
on their credit history and the amount of credit used
in ratio to the amount available.
- How does skip a payment work?
Members who have not made a late payment in the last
six months can pay $10.00 per loan and receive a payment
holiday for the whole month. The member chooses the
month. Provided the member continues to pay on time
he is allowed to do this once every calendar year.
- Does the Credit Union finance
mortgages? Mobile homes with land? Land?
Our mortgages are processed through CUFS (Credit Union
Financial Services). We will finance Mobile homes
that are attached to land, but only a portion of our
loan dollars are used for this purpose and we are
currently loaned out. We do finance land. Call the
Credit Union for details.
- The car dealerships offer
great rates, why should I finance my vehicle at the
credit union?
Often our rates are competitive with the dealerships.
We are local and offer better service. We provide
GAP insurance at a fraction of what a dealership charges.
You can get pre-approval on your loan. This will allow
you to shop stress free for the auto you want. The
credit union will look up NADA values for vehicles
at the member’s request. This way they know
they are getting the best deal.
- Does the Credit Union provide
lines of credit or credit cards?
We do offer lines of credit tied to your home’s
equity. These Home Equity lines of credit may be tax
deductible. We also offer a credit union VISA credit
card. You may obtain an application in our lobby.
- What products and services
are available for free?
The credit union offers free notary service, certified
checks, book values on vehicles, ATM and Debit cards.
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