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Savings* To Join the Credit Union:** Holiday Club
Vacation Club
My Club
Checking
OVERDRAFT ADVANCE Overdraft Advance can cover accidental overdrafts and spare you the extra expense and embarrassment of returned share drafts. You'll never pay for the privilege until you need it. Need help balancing your check book? Our staff is available to give you tips on how to manage your account.**** IRAs The Traditional IRA A great way for you to plan for your retirement with an IRA Account at the Credit Union. Some contributions may be tax deductible. This means that you can avoid paying tax on these earnings until retirement. Please consult a tax adviser on which type of IRA is best for your needs. Contact one of our IRA representatives for more details.(See Rates) Money Market Money Market Accounts are for members who want their savings to build by earning higher dividends.
Certificates of Deposit (CD’s) Pinal County Federal Credit Union offers Certificates earning higher dividend rates than regular share accounts. (See rates for for more information)*** Now is the time to open a CD at Pinal County FCU!! Minimum deposit $500.00 Check out our great dividend rates * Savings Pursuant to the USA Patriot Act Pinal County FCU will verify certain information as required by the Bank Secrecy Act. 31 CFR 103.121 (b) (5) (i) USA Patriot Act Regulations-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 for 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 driver’s license or other identifying documents. ** You must meet the membership requirements including purchase and maintenance of the minimum required shares as set forth in the by laws. You authorize us to check your account, credit and employment history and obtain reports from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you request. *** All deposit accounts are insured to $100,000 by the NCUA, a US government agency, at no cost to you! IRAs are insured to $250,000 by the NCUA at no cost to you. **** Notice: A $25.00 fee may be charged for the payment of each overdraft item or Regulation D (exceeding 6 withdrawals in one month on savings/money market accounts). This fee may be charged for covering overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means. All overdraft balances must be repaid within 30 days of overdrawing an account. The payment of overdrafts is discretionary and PCFCU reserves the right not to pay overdrafts. Examples of an account not in good standing are: A loan is more than 60 days past due, the account has exceeded its negative balance courtesy limit, or regular deposits are not being made.
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