HELPING YOU HELP YOURSELF
Services For You, the Member

Prime (Savings) Account
Share Accounts represent a systematic way to save a percentage of your earnings. Dividends are earned and paid quarterly. All share accounts are insured up to $100,000 by the National Credit Union Administration.

Share Draft - Checking Accounts
A share draft is a check. An easy way to pay your bills is by simply writing a check. Better than traditional checking accounts because:

• No monthly service charge.
• No minimum balance. Only $750 must be obtained to earn interest.
• Monthly statements.
• Dividends are earned and paid quarterly.

Debit Cards
Use wherever you see the VISA® sign to take money from your checking account.

ATM (Cash Card)
Another benefit of our share draft checking account is the availability of an ATM cash card.

Direct Deposit
Pay checks, Social Security checks, pension checks or any other government checks can be deposited directly to your checking or share account.

VISA Credit Cards
REFCU offers you a choice of Platinum, Gold or a Classic Visa Card. We even offer a Secured Visa Card for those of our members wishing to establish or re-establish credit. Our Visa rates are fixed and can be as low as 8.9%

Shop with a REFCU VISA Card and enjoy a 25-day grace period on purchases. Transfer balances from other high interest rate credit cards and experience the savings immediately.

Do you need extra cash? No problem. Use your REFCU Visa Card and experience the same low rate as your regular purchase. More importantly, no annual fee is required. Check your account status online 24 hours a day.

Your low monthly payment can now be deducted directly from your credit union Share Savings or Checking Account. Call our Credit Card Representative for details. One more reason to carry a REFCU Visa card, we offer Credit Life Insurance on your VISA, free for all cardholders. Credit Disability Insurance is available to qualified cardholders for a low 35 cents per $100 balance.

Share Certificates
Excellent terms and rates to meet your financial objectives. Call for current rates.

Club Accounts
Avoid cash crunches at holiday, vacation or tuition time by putting aside money each payday. We have Club Accounts for each of these occasions.

You Can Be Sure Your Money's There
With Deposit Insurance
In today's financial area, you have lots of options. In choosing, however, you should ask yourself is my money safe?

It is with us. Because all of our accounts are insured by the NCUA. The NCUA is an agency of the federal government which insures the safety of your accounts with us. As a member of the NCUA, we operate under strict federal and state banking regulations and are regularly monitored to ensure that we always serve our members' best interests.

No depositor has ever lost a single dollar of NCUA-protected money. That's why this symbol is your guarantee of safety.