Share Savings Accounts

Must open with one $25.00 share.  Minimum balance is $25.00.  Dividends are paid quarterly. We can make sub-accounts off this account number so  you can save for Christmas, vacations or whatever.  Dividend applies the same way. 

Share Draft Checking Accounts

A minimum deposit of $25.00 is required to open a share draft account. After opening the account there is no minimum balance requirement.  There is a $4.00 a month service charge for the checking . Our NSF fees are $20.00 per check.  We charge $10.00 for a stop payment check.

Debit Cards

Tricounty Federal Credit Union is happy to announce that as of February 2008, members were offered debit cards. There is $1.00 a month service charge for these cards.          

You may stop by Tricounty Federal Credit Union to order your card.  It will take approximately 10 days for delivery of the card and PIN. If you have any questions about the new Debit Card please call the credit union at 632-4357.

Check 21-What You Need to Know

A new federal law became effective October 28, 2004.  It is called the Check Clearing for the 21st Century Act, but is more commonly known as Check 21. 

Check 21 authorizes creation of a new instrument called a 'substitute check'  This change from a check to a substitute check can happen anywhere in the check processing cycle and Tricounty Federal Credit Union will have no control over the conversion.  A substitute check is similar to a regular check with MICR numbers across the bottom, but contains a slightly reduced image of the front and back of the original check on it.  The substitute check will also contain the following legend:  "This is a legal copy of your check.  You can use it the same way you would use the original check."

Because a substitute check can be processed and used as proof of payment just like the original check that you wrote, it is considered to be the legal equivalent.  While we expect the receipt of these items to be rare, it is possible that as you request or view copies of your checks, you may notice a substitute check from time to time.

With an increase in imaging of checks and electronic processing by many large national banks, it is possible that you may see a reduction in the amount of time it takes for checks to clear your account.  In the past, writing a check to a bank in eastern United States generally gave you a three to five day "float" time before it cleared your account. Now those float times could potentially be eliminated.  Be sure that you have sufficient funds in your account prior to writing any checks to avoid having your check returned for non-sufficient funds.

Loans

Signature Loans are defined as unsecured loans. Maximum amount of $4000.00 with a maximum maturity of 2 years.

Revolving Credit Loans are defined as unsecured loans which can be added to at any time up to the maximum approved. Maximum amout of $4000.00.

Fully Share Secured loans, is taking a loan out on money you have invested with us up to within 90% on the entire amount you have invested with us.

Single Payment loans, or those with annual payments.

New Vehicle Loans, 5.5% up to 6 years.

Used Vehicle Loans, 7.5% up to 5 years depending on the year of the vehicle.

Recreational Loans, includes boats, horse trailers, 4-wheelers and motorcycles. Call and check out our specials.

We obtain credit reports for our applicants from Equifax.

Direct Debit to your Account

You can authorize an outside company to make debits to either your Membership Share Account or your Membership Share Checking account.  It comes into us through ACH's and we handle it for you. Please contact us for the correct routing and account numbers.

Cashier's Checks

Cashier's checks are $2.00 each for members and $10.00 for non-members

Norary Service

Notary service will be  provided to our members free of charge.  Please be prepared to show ID.