¨ Electronic tax filing
TAX SEASON IS HERE!! Why wait for Uncle Sam to mail your refund check to you? Bring your prepared tax return to the credit union, and we’ll file it electronically. We are an authorized IRS e-file provider. For a fee of $55.00 your refund can be directly deposited to the bank account of your choice. You’ll receive your refund usually within 10 – 14 days. If you prefer to have your refund in as little as 1 – 2 days, we offer Refund Anticipation Loans for a fee of $85.00 – $95.00. And new, this year, we can e-file your State return as well. The fee for e-filing your State return is $20.00. Only direct deposit is available for State returns. E-file is by appointment only. Call the credit union to make your appointment today. Note: We will also e-file for non-members. The fee is $65.00 for direct deposit. Sorry, 1 – 2 day RAL available for members only.

¨ Check 21
The Check Clearing for the 21st Century Act (Check 21) took effect October 28, 2004. This act paves the way for more efficient check processing by creating a new negotiable instrument called a substitute check. What does this mean to you? Chances are, you may not even notice the effects of Check 21. Using paper checks to pay your bills or purchase products can continue as normal. Any check now has the potential to be replaced by a substitute check, so some checks may clear quicker than prior to the passing of the Check 21 Act. You will want to make sure that adequate funds are in your account when checks are written to avoid potential problems. If you have any questions regarding Check 21, call the office for further information.

¨ Lower Car Loan Rates
We have new low interest rates on cars! Now it's easier than ever to afford a newer car! With rates starting at 5.99% your payment could be as low as $16.57 per $1000.00 borrowed. Call the Credit Union today and we'll take your application over the phone. You could be driving home in a new car tonight!

¨ Signature Loans
Want to get a jump on springtime home improvements? Let us help you. We offer unsecured Signature loans, up to $5,000. With an interest rate of 12%. We can take your application over the phone, and in many cases disburse funds the SAME DAY! Call 330-453-8409 to speak to a member services representative for further details.

¨ 2009 Closing Dates
Throughout the year, the Credit Union will be closed on all federal holidays. We also close one day semi-annually to pay dividends and run all financial statements.