Share Accounts (Savings)
Membership Account. A minimum of $5 is required.
Share Draft Accounts (Checking)
This account does not require a minimum balance, no monthly or per check charge. Fees will be assessed for insufficient funds, returned checks, and stop payments. No charge for a copy of a paid draft unless a large number of copies is requested.
Special Savings Account (Tiered Rates)
Side Savings Accounts
are available in addition to your regular savings to save for something special (Christmas, Vacations, Taxes).
Rates can change on a weekly basis. Minimum balance of $1,000. (Available in 6 month / 1 year / 2 year / 3 year)
24 Hour ATM
At all locations for cash withdrawals, loan payments by transfer, and inquiries.
24 Hour Night Deposit
At all locations, place cash and/or checks in envelope with instructions. Transactions will be posted the following business day.
Applications are available at both locations, and payments can be made at all locations. The fixed rate is 11.0% and applies to both purchases and cash advances. 25 day grace period, $25.00 late fee, $25.00 NSF fee. No Annual Fee. Payments can be made at both locations. With our ScoreCard RewardsTM you will receive 1 point for every dollar spent.
Applications are available at both locations, and payments can be made at all locations. The fixed rate is 9.5% and applies to both purchases and cash advances. 25 day grace period, $25.00 late fee, $25.00 NSF fee. No Annual Fee. Payments can be made at both locations. With our ScoreCard RewardsTM you will receive 1 point for every dollar spent.
Master Money Debit Cards
Allows you to make purchases at any Master Card merchant without writing a check. Great for traveling. Also gives you 24 hour access to your accounts. With our ScoreCard RewardsTM you will receive 1 point for every $3 spent using a signature based transaction.
Automatic Bill Payment (ACH)
Utility bills and monthly payments may automatically be charged to your checking or savings account.
Available for $1.00 each (Members only).
Use your PC from the convenience of your home to do on line banking. You can access your accounts to do Account Inquiries, Account Histories, Account Transfers. Use your pc or mobile phone to do online banking. Click here to go to our home banking site. You can also download our mobile app available for Apple® or Android® phones.
We have several types of loans available including Line of Credit loans, new and used vehicle loans, new and used recreational vehicle loans, etc. We offer a wide variety of mortgage options, including primary residence, secondary homes, investment property, and vacant land, through the secondary market. For home equity loans, please see a loan officer for additional information. Several types of loan rate specials are offered during the year. We encourage you to contact a loan officer in our Rogers City (989-734-4130) or Cheboygan (231-597-9660) offices or email firstname.lastname@example.org for answers to any lending questions concerning rates and terms.
If you send an email, OUR Credit Union collects and stores personally-identifying information in order to process your e-mail. This information is not sold to any third parties. All credit union officials are aware and required to follow our established privacy policies and procedures. We will only use your email information for the purpose of responding to your comments or questions.
Please be careful when communicating via email, as it is not necessarily secure against interception, and we cannot guarantee its confidentiality. We recommend that you not send any private or confidential information to us via email. If you choose to send any such information to us via e-mail we assume no responsibility and you accept the risk that it may be intercepted by an unauthorized third party.