Frequently Asked Questions

To assist you in learning more about the Credit Union, we have compiled a short list of the most frequently asked questions and answers.

Q: What are your hours of operation?

A complete listing of our hours and branch locations are available online.

Q: Do I have to maintain a minimum balance in savings?

The minimum balance required for membership is $5.00. However, to avoid a monthly service fee you must maintain an average daily balance of $300 or acquire a credit union loan or a Credit Union VISA credit card with an active balance. You will also earn dividends on your savings account with an average daily balance of $100 or more. This fee does not apply to members under 21 or over 65 years of age, accounts opened less than 180 days or loans paid off less then 180 days. For questions, please contact the credit union.

Q: Where may I use my ATM card?

Your credit union ATM and/or VISA Debit Card is accepted at any outlet which displays the Presto, CU24, or CO-OP logos. And remember, at Presto ATM's, you can make withdrawals with no fee! Use the Online ATM Locator to find an ATM near you.

Q: What is the difference between the Kwik Kash ATM Card and the VISA Debit Card?

The VISA Debit Card can be used as both an ATM card for cash withdrawals as well as for purchases at merchants displaying the VISA logo. Unlike the ATM withdrawal, your debit card transaction at a merchant may not appear on your account for up to 72 hours. Therefore, the credit union requires a credit check before issuing the debit card. Additional information is available here.

Q: Why should I use the Teller 24 Audio Response system instead of calling and speaking with a "live person"?

Although we do enjoy speaking with our members, Teller 24 is usually quicker and more convenient for the member. With a toll free number and 24-hour availability, you can check balances, request withdrawals, transfer funds between accounts, receive check clearing information and more. Please click here for more information about this service. If you choose to speak with a member service representative to request a check withdrawal, there is a $2.00 per check fee.