Share Accounts (Savings)

No matter what you’re saving for, Calcite Credit Union makes it simple. All you need to open a Personal Savings Account is a $5 deposit, and you’ll immediately start earning competitive dividends, which are paid out quarterly. And once you’re a member, you’re a member for life, regardless of whether you move, change jobs or retire.

Membership Account. A minimum of $5 is required.

Share Draft Accounts (Checking)

Even though people rarely write checks anymore, you still need a personal checking account. You just need one that’s evolved with the times. And ours certainly has. It has all the features you’re looking for like MasterCard® Debit Cards, Online and Mobile Banking and automatic Overdraft Protection from your Savings. And get this: they’re absolutely free.

Enjoy ultimate flexibility and peace of mind:

  • No monthly maintenance fees.
  • No minimum or maximum balance requirement.
  • Free checking
  • 24-hour Access/Night Deposit
  • ATM – no surcharge

Health Savings Accounts (HSA)

Health Savings Accounts (HSA) are becoming a more popular and much easier way for members to access their benefits. HSAs offer tax deductions and tax-free distributions, too. Pay for qualified medical expenses by withdrawing cash or by using your HSA debit card. You can carry your balance over year-to-year, and take your HSA with you if you change health plans or employers!

  • No monthly maintenance fees.
  • No minimum or maximum balance requirement.
  • 1.00% Annual Percentage Yield
  • Debit card and ATM access

Special Savings “Money Market” Account (Tiered Rates)

A Money Market Account (MMA) is a savings account that usually earns a higher amount of interest than a basic savings account. With Calcite CU, if you put over $15,000 into this account, you’ll get a higher interest rate with no restrictions. And, you’ll have access to your money at any time. Learn more about the benefits of a Money Market Account!

Take a look at our rates

Side Savings Accounts

These are available in addition to your regular savings to save for something special (Christmas, Vacations, Taxes).

Share Certificates

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.

Visa Classic

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.

Read our Disclosure
Apply for a VISA
Limit Increase Form

Visa Platinum

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.

Read our Disclosure
Apply for a VISA
Limit Increase Form

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.

Download Disclosure/Debit Application

Automatic Bill Payment (ACH)

Utility bills and monthly payments may automatically be charged to your checking or savings account.

Money Orders

Available for $1.00 each (Members only).

Home Banking

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. Go to our home banking site. You can also download our mobile app available for Apple® or Android® phones.

Loans

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 loans@calcitecu.com 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.

Debt Consolidation Loans

If you’re struggling with debt – as many consumers are – you may be looking for a way to pay off your bills and get back on track financially. Debt consolidation loans for bad credit profiles are one way to get out of debt.. Before you go down the wrong road, take some time to realize there are choices for you, regardless of your credit history and financial situation. We want to help and will take a look at the whole picture – not just bad credit or other issues.

Our team was able to help a member go from spending $500 a month in payments down to $325. This involved taking a thorough look at all of the debt and finding the lowest interest rates across the board.

  • Fixed rates as low at 9.99%
  • $20,000 maximum loan
  • Helps you pay off your debt quicker and get on firm financial ground sooner
  • Trained team members to work with you and your debt

Share Secured

Need to make some repairs on your car or pay educational expenses? Trying to build your credit? Share Loans from Calcite CU can help you. These loans use the funds you have accumulated in your Share Savings account as collateral.

You still make your monthly payments to demonstrate good payment history, bringing your credit score up. You put the money you can spend into a savings account and draw your payments. It is that easy.

  • Lower interest rates
  • Loan can be set up in minutes at any financial center
  • Offered as a Visa credit card, share savings account or miscellaneous secured loan