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With no annual fee, Menlo Survey's VISA costs less and provides more. The interest rate is fixed and offers limits between $300 - $15,000 for members who qualify. In addition, we do not pass on the Foreign Transaction Fee.
Gold Account Personal line of creditBack to Top If you qualify, you can establish a credit limit up to $20,000. Funds from this open-end loan are available when you need them--you don't have to fill out an application for each loan advance. Interest rates are lower than most personal loans, and you pay interest only on the amount you owe us. An information update is needed every two years.
New and used Vehicle loansBack to Top By arranging your financing at the Credit Union before you shop for cars or other "big ticket" items, you can gain the edge of a "cash buyer". Knowing the amount, the interest rate, and the term of the loan, you can shop when and where you like. If you need help finding the vehicle of you choice, contact IFMA Car Buying Service for new and used vehicles. Check out their website at www.ifmaautonetwork.com or call 800-409-4362 for assistance.
Menlo Survey has been a traditional source of funding for members who buy new and used recreational vehicles. Such features as financing up to 75% of purchase price, competitive interest rates and terms with no prepayment penalties. Call for further details on other vehicle loans.
Menlo Survey has been a traditional source of funding for members who buy new and used boats. Such features as financing of up to 75% of purchase price or appraisal, competitive interest rates and terms with no prepayment penalties. Call for further details.
Real Estate Open End and Closed EndBack to Top Menlo Survey offers a full spectrum of home equity loans, including either fixed-rate or variable-rate line of credit loans, with terms up to 15 years. Funds can be used for any purpose without losing the tax advantage of a home equity loan. Rates are competitive and the Credit Union charges no application fee, no points and no prepayment penalties. Call the Real Estate department for further details. Consumer protection laws encourage us to remind borrowers that a real estate loan will be secured by the borrower's home, and failure to repay the loan for any reason may result in the loss of their home. Adjustable Real Estate Rates for Lines-of-Credit Fixed Rate Real Estate 1st Mortgage Loans for Purchase or Refinance:
Menlo Survey has been a traditional source of funding for members who buy new and used mobile homes. Such features as financing up to 75% of purchase price, competitive interest rates and terms to with no prepayment penalties. Call for further details.
Savings & InvestmentsRegular SavingsBack to Top
The Regular Share Account is our basic membership savings account. Savers earn high dividends on this flexible savings account.
Members can receive higher yields, more security, and greater accessibility with a money market account at the Credit Union than at most other financial institutions. The Money MarketAccount from Menlo Survey pays high money market rates, earns dividends that are computed daily and paid quarterly, and requires no fees, commissions, or other charges from the investor. A $5,000 minimum deposit and a $3,000 minimum balance are required. Deposits can be made in the amount of $250.00 or more. Withdrawals can be made in the amount of $500.00 or more. Members are also allowed six checks per month on money market accounts.
Share CertificatesBack to Top These fixed-term investments, with dividends paid monthly, provide higher returns of savings. You can set your own certificate amount over $2,000 for a term of one year, two year or three years. Two and three years certificates come with a one time "bump-up" option. Members wishing to "bump-up" their rate need to make the request in writing. The certificate rates are subject to change, so call the Credit Union for the current rate.
Despite changes in the tax laws regarding deductibility, an IRA remains a sound investment. The Credit Union offers an IRA Accumulation Share Account that allows the member to save a little each month through Payroll Deduction, by mail, or in person, and an IRA Certificate that allows lump-sum deposits of $500.00 or more. IRAs still provide tax benefits, higher return on investments, and maximum security.
At Menlo Survey Federal Credit Union, you pay no monthly service charge for your checking account and have no minimum balance requirement. Because Direct Deposit provides convenience for you and increases efficiency for the Credit Union, you first order of checks will be free if you sign up for Direct Deposit of your net pay. In addition, you receive a free VISA Debit Card and have the option of free online access and free bill pay. Enjoy surcharge free ATM withdrawals at all Bank of the West and CO-OP ATMs. Some even allow deposits.
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