For each $1,000 in loan dollars, receive 1,000 VISAŽ Reward Points up to maximum of 10,000 points. The offer requires
an Interior FCU VISA Classic or Platinum credit card. Don't have one? Apply today!
This unsecured loan is available to members for almost any purpose, such as wedding expenses, furniture, or a new computer.
*APR=Annual Percentage Rate. This is a limited time offer, subject to be withdrawn at any time. Loan amounts up to $20,000 with a minimum of $500. Up to 5 years to pay off. The minimum monthly payment per $1,000 is $87.00. No refinancing of existing loans. A member must take the loan between July 15 and August 31 to be eligible for the special rate and VISAŽ Reward Points. Rate includes a .25% discount if member has an Interior FCU checking account, direct deposit, an ATM card or VISA check card. APR will be determined on member's overall credit history and score. Not all members will qualify for the lowest APR advertised.
We offer a loan secured by the funds in your primary savings account or share certificate. Make those special purchases without depleting your savings. Loan rates are determined based on the dividend rate for the securing account. These funds, pledged as collateral for the loan, must remain at the same balance as the loan (plus the $25 minimum balance in your share account) for the life of the loan.
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it any way. We can cover your overdrafts in two different ways:
- We have standard overdraft practices that come with your account.
- We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.
This notice explains our standard overdraft practices.
We do authorize and pay overdrafts for the following types of transactions:
- Checks and other transactions made using your checking account number
- Automatic bill payments
Effective July 1, 2010, for new members and August 15, 2010 for current members, we will not authorize and pay overdrafts for the following types of transactions unless you ask us to:
- ATM transactions
- Everyday debit card transactions
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.
If we do not authorize and pay an overdraft, your transaction will be declined.
Under our standard overdraft practices:
- We will charge you a fee of up to $25 each time we pay an overdraft.
- There is no limit on the total fees we can charge you for overdrawing your account.
If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions,
call (800)914-8619 or visit us at the Credit Union.
Credit life and credit disability insurance available on all loans at an extra charge. Account holders may apply for loans individually or with a co-applicant. Loan requests are usually processed within 24 hours.
* APR= Annual Percentage Rate. Rate is effective 4/1/10 and may change at any time without advance notice. Rate includes a .25% discount if member has an Interior FCU checking account, Direct Deposit, and an ATM Card or VISA Check Card.
** Limited-time offer. Loan repayment terms up to 60 months.
