Savings Products
Through a variety of savings plans,
Meadow Gold Employee's Credit Union has developed many ways for
you to save. Whether you've made short or long term goals, we've
got the savings plan that fits your needs. Our competitive
rates and terms will help you achieve financial stability.
And, as always, your money is insured up to $100,000.00 by the
National Credit Union Administration (NCUA), an agency of the
federal government. This means security and safety for your accounts.
Share Savings
By opening a Share Savings account
you become a member of the Credit Union. This account opens
the door to all other services Meadow Gold Employee's Credit
Union offers. You can make deposits and withdrawals at any time
while earning a competitive dividend. And better yet, this account
works like a Money Market account. As your balance increases
to the next tier, the higher your rate of return.
You Name It Savings
If you prefer to keep an individual
account for Christmas, a vacation, taxes, insurance or any other
specific purpose, this is the account for you. You get to decide
what to name this account. While it works just like your share
savings account, it keeps your money for those special purposes
in a separate subaccount under your primary account.
Certificate Accounts Meadow Gold Employee's Credit Union offers regular Certificates and IRA
Certificates. Certificate terms vary from 6 months to 2 years. Generally,
the longer you invest your money the higher the interest rate. A $1,000
minimum is required to open a Certificate and a penalty may apply for early
withdrawal. Once the Certificate is opened deposits and withdrawals are not
allowed.
Individual Retirement Account (IRA)
IRAs are still one of the smartest retirement investments available. IRAs
are a secure way to save for the future. Whether retirement is in your near
future or years away we can help you establish and manage a healthy
retirement program. There are 3 different types of IRAs: Traditional, Roth
and Education. All of which have a different tax benefit. IRA money can be
invested in Certificates for a higher rate of return. Call the Credit Union
for details.
Dedication Certificate
If you want to earn a higher dividend but don't have enough to start a
regular Certificate account or want to add funds to your investment, this
is the account for you. Like a regular Certificate, terms range from 6
months to 2 years. There's no minimum balance to open the account and you
decide on the minimum you want to deposit every month. It can be as little
as $25.00 per month (that's just $12.50 per pay period). The interest rate
is slightly lower than a regular Certificate but you'll have the
flexibility to add to your investment. A penalty may apply for early
withdrawal.
Checking
At Meadow Gold Employee's Credit Union
there are no hidden charges. You'll receive free checking with
these benefits:
-
No minimum balance required so
all of your money is available to you.
-
Unlimited check writing - there
are no per check charges so you don't have to keep track
of the number of checks you write.
-
Overdraft protection - automatic
transfers from your share savings or Overdraft/Line of credit
(available on approved credit).
-
Direct Deposit or Payroll Deduction
- a convenient and fast way to deposit your check at no
extra charge.
-
Low-priced personal checks.
- Debit Cards -
It Works Like a Check! Use the Debit Card to purchase goods
and services as if you were writing a check.
Debit Card
It Works Like a Check! Use the Debit Card to purchase goods
and services as if you were writing a check. Only instead of
dealing with the customary red tape that comes with check-writing,
simply hand the merchant your Debit Card. Purchases are deducted
from your checking account, and you'll get a receipt for your
records. Plus each transaction will be detailed on your monthly
statement. Best of all, the Debit Card is accepted at the millions
of merchants around the world displaying the Visa logo. Contact
us for more information about how to obtain a debit card!
Bill Payment Service
Paying bills has never been so easy
or enjoyable. Meadow Gold Employee’s Credit Union is
offering our Bill Payment Service for FREE! Pay all your bills
quickly and safely online. You’ll be able to organize
your expenses and set them up as either one-time payments or
scheduled automatic deductions. You’ll also save time
and money by eliminating checks and postage. To sign up just
stop by the Credit Union or visit this web page.
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When it comes to making important purchases,
Meadow Gold Employee's Credit Union provides solutions. We offer
competitive rates
and terms to help you achieve financial stability. Even when you
need a small loan, come talk with us. Don't feel you have to use
a check cashing company. They charge unbelievably high rates and
don't care about your financial well being.
New & Used Auto
Whether you're looking for a car,
truck or sport utility vehicle our New & Used Auto loans can
help you get what you need. We offer competitive rates and if
you're worried about that down payment, we finance up to 100%
of the book value or purchase price. You can even get pre-approved
so you know your purchasing power when looking for a vehicle.
Extended terms may be available so check with your loan officer.
New & Used RV
Meadow Gold Employee's Credit Union
offers competitive rate financing for the following types of
vehicles:
Personal
The Credit Union offers personal loans
up to $10,000 based upon your credit rating and offers competitive
rates and terms up to 48 months.
Overdraft/Line of Credit
If you have a checking account you
may qualify for up to $5,000 (total of all signature loans, including
Line of Credit/Overdraft cannot exceed $5,000 oac) on a Overdraft/Line
of Credit. This loan can be used as overdraft
protection in case you write a check that exceeds the amount
available in your checking account. Or you can get an advance
anytime up to your approved line of credit. Payments are only
$5.00 per $100.00 of the unpaid balance with a minimum of $25.00
monthly.
Share/Certificate Secured
Borrow up to the available amount in your Share Savings or Certificate
account for as little as 3.00% above the rate you're earning on your
savings or certificate balances. A super fast loan since there's no need to
qualify. Flexible terms are available.
First and Second Mortgages
Let us help you with your purchase or refinance (property must be located in Utah). We'll help you save hundreds of dollars in closing costs.
- 100% financing available
- 1st and 2nd combinations to eliminate mortgage insurance
- No doc loans
- Good credit or bad credit
- Residential investment property
- Over 200 loan programs available
Visa Credit Cards
There are lots of credit cards to choose from, now at Meadow
Gold Employee’s Credit Union we offer a more diversified
Visa Card Program: Visa Classic, Visa Platinum and Visa Platinum
Preferred. You can now take advantage of a wealth of privileges
that come with this new Visa card.
Along with a competitive rate, our Visa cards offer you a variety
of benefits that save you time and money, including: credit line
up to $25,000; 25-day grace period on purchases; ATM access;
Automatic Payments, Warranty Manager Service, free Auto Rental
Insurance, free Travel Accident Insurance, plus more.
If you are paying a higher interest rate somewhere else, you
can transfer your balance and save. Our balance transfer option
makes it easy to move your existing balances from another credit
card over to our card.
Apply today by phone, or via the Internet. Applying couldn’t
be easier. Simply call 1-888-415-6154, or apply on our secure
online website www.myCUcard.com.
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- 24/7 account access using either
- Online Home Banking or
- MARC – Member Audio Response Center
- Bill Payment Service
- Used Car Values
- Direct Deposit
- Payroll Deduction
- Notary Service
- Wire transfers
- Fax Service
- Money Orders
- Debit Cards
- Visa Gift Cards
- Reloadable Visa Debit Cards
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