The Local Credit Union

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YOUNG ADULT PROGRAM
Designed for 16-24 year olds. A checking account ideal for the college students away from home. Use the debit card to pay for expenses rather than cash or costly credit cards. No Monthly Service Fee. $10 minimum balance required.

  • LEARN HOW TO MANAGE A CHECKING ACCOUNT. (Adult joint ownership required for 16 & 17 year olds)
  • Must open a CHECKING ACCOUNT and apply for a MASTERMONEY DEBIT CARD. Checks are optional-1st 50 free
    A minimum balance of $10.00 required on deposit at all times while CHECKING ACCOUNT IS ACTIVE.
  • NO MONTHLY SERVICE FEE*
    Normal ATM FEES apply (Currently no fee when using a Co-op Network ATM)
    No charge when using the debit card to pay for out of pocket expenses. Example:
    Gas, books, food, tuition, etc. This card is accepted at most merchants accepting MASTERCARD.
    $2.00 REPLACEMENT FEE
    $30.00 Overdrawn fee/ Non-sufficient funds

*If DEBIT CARD is not used for a point of sale (POS) transaction in a year, a non-usage fee of $10.00 may be charged.


24 HOUR ACCESS VIA THE INTERNET (www.svdcu.org)

  • TRANSFER FUNDS ON OUR HOME BANKING SITE VIA THE INTERNET. THESE ARE OFF-LINE TRANSACTIONS AND WILL BE POSTED GENERALLY WITHIN AN HOUR THROUGHOUT THE DAY.
  • VIEW TRANSACTION HISTORIES
  • APPLY FOR LOANS
  • PAY BILLS AFTER ENROLLED IN HANDI ONLINE PAY SERVICE

 

24 HOUR ACCESS VIA TAZ - OUR TELEPHONE ACCESS SYSTEM

 

LOCAL 586-264-1212
TOLL FREE # 1-800 974-6478

  • CHECK BALANCES
  • TRANSFER FUNDS-THESE TRANSACTIONS ARE POSTED IMMEDIATELY
  • FIND OUT LAST 6 DEPOSITS/WITHDRAWALS
  • CHECK TO SEE IF A CHECK HAS CLEARED YOUR ACCOUNT
  • APPLY FOR A LOAN

 

VISA CREDIT CARD (COSIGNER MAY BE REQUIRED)

  • $500.00 MINIMUM LOAN
  • 12.9% ANNUAL PERCENTAGE RATE
  • 9.9% APR WHEN SHARE SECURED

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