|Regular Share (Savings)
|Open a saving account with just $12 and
a one time fee of $3. You need to maintain a minimum balance
of $25 in your account
to receive dividends. The more you save the more you will
receive in dividends and you become eligible to all the other
offered by your credit union.
||Min. Opening Balance
||Min. Dividend Balance
||$12.00 ($3 opening fee)
*Rates & terms are subject to change without
Par value of a share is $25. This amount must be maintained
in the regular share account at all times in order to remain
a member of this credit union.
Dividends on regular share are compounded and credited on
a biannual basis. The average daily balance method is used
to calculate dividends. The average daily balance is determined
by adding the balance in the account for each day of the period
and dividing that amount by the number of days in the period.
This credit union will use the full balance in the account
for calculation whether deposits are made by cash or check.
If you close your account before your accrued dividends are
credited, you will not be paid any dividends for that period.
Your credit union is an ideal place to save for the future.
All accounts are federally insured up to $100,000 by the National
Credit Union Administration.
|Holiday and Vacation
|Your credit union offers you the opportunity to plan
for the Holidays by opening a Holiday Club account. Your
money will be available to you just before the Holidays
to enjoy a shopping spree without any worries. |
Apply for your Club account today!
||Min. Opening Balance
||Min. Dividend Balance
|Holiday and Vacation Club
*Par value of a share is $25. This
amount must be maintained in the regular share account
at all times in order to remain a member of this
Dividends on club accounts are compounded and credited
on a biannually basis. The average daily balance
method is used to calculate dividends. The average
daily balance is determined by adding the balance
in the account for each day of the period and dividing
that amount by the number of days in the period.
This credit union will use the full balance in the
account for calculation whether deposits are made
by cash or check. If you close your account before
your accrued dividends are credited, you will not
be paid any dividends for that period.
|Share Draft Checking
No minimum deposit to open
account. No minimum balance required.
Your credit union provides you with access to a FREE checking
account without any hidden cost to you. There are NO monthly
fees or per check charges and NO minimum checking account
balance requirements. Fees do apply for bounced checks.
Membership is reserved for:
• Employees of the University Settlement or The Door or their immediate
• University Settlement and The Door program clients
• Independent contractors with any University Settlement and The Door programs
• Residents of the Lower East Side
Employees: US or TD ID
All others: Valid (non-expired) US or State government photo identification.
(Driver license, state ID card, Passport )
All new members must provide a valid social security or other taxpayer identification
issued by the US Social Security Administration.
To help the government fight the funding of terrorism and money laundering
activities, Federal law requires all financial institutions to obtain, verify
and record information that identifies each person who opens an account.
What this means to you: When you open an account, we will ask for your name,
address, date of birth, and other information that will allow us to identify
you. We may also ask to see your identifying documents.
Information we Collect:
• Information we receive
from your application or other forms.
• Information from your transactions with us or others.
• Information we receive from a consumer reporting agency.
We do not disclose any nonpublic personal information about our members except
as permitted by law. Only authorized Board Members or Committees Members (i.e.
Loan Committee) have access to nonpublic information about our members in order
to provide services to our members. We maintain physical, electronic and procedural
safeguards that comply with Federal regulations to guard your nonpublic information.
|These loans are available
to all members for any personal need and rates are based
on the member’s credit score.
60-month maximum term. Loan amounts: $500 - $35,000.
• USFCU share account is required for all loans.
• All unsecured loans must have a 25% collateral
• Loan must be paid within five years
|Your credit union offers you
the opportunity to consolidating your debts from a higher
interest rate into a loan with us that charges you a lower
interest rate than the one you are currently paying. We
will make the payments directly to your creditors.
60-month maximum term. Loan amounts: $500 - $35,000. See
25% of loan balance is frozen in share account on all unsecured loans.
USFCU share account is required for all loans.
Loan must be paid within five years.
Share Secured Loan
Have a problem keeping the money you saved in an account, while new expenses
keep popping up? Need money immediately and don’t want to use your savings?
USFCU offers you a share secured loan up to the balance of your account at 5%
interest. You choose the payment amount.
Visit USFCU today and complete a short application
|You need to open a share draft
(checking) account with USFCU.
Our ABA / Routing Number is 226078612
|Automatic Loan Payments
|Your loan payments are automatic
with direct deposit or payroll deductions for employees
of US and The Door.
Credit Life and Disability Insurance: We offer Credit
Life and Disability Insurance for our consumer loan
products. This insurance is required for some loans
and the cost of the premium is added to your loan
|USFCU provides your first
|Service Charge Schedule
|$3.00 Initial fee to open
$2.00 quarterly maintenance fee
a victim of identity theft! To learn more please visit
the website: Federal Trade commission, or Social
Security Administration (SSA) if your Social Security Card is lost
If someone has already stolen your identity for more
information and helpful tips, visit Take Charge Fighting
Back Against Identity Theft.
You can obtain your credit report from three major
credit report bureaus.
Equifax Information services
P.O. Box 740241
Atlanta, GA 30374
P.O. Box 2002
Allen, TX 75013
P.O. Box 34012
Fullerton, CA 92834
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