Loan Products and Services

Calcite Credit Union Loan Products and Services

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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)

Take a look at our rates

Side Savings Accounts

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 rewards you will receive 1 point for every dollar spent.

Read our Disclosure.

Download a VISA Application.

Download 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 rewards you will receive 1 point for every dollar spent.

Read our Disclosure.

Download a VISA Application.

Download 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 rewards 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) –let us show you how to eliminate this fee.

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. Click here to 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.