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US Federal Credit Union strives to offer services designed to improve the economic and social well being of all members from all socio-economic backgrounds, including our low- and moderate-income members, and return financial value to those who participate in our cooperative. Services that help us achieve these goals include:· Mortgages - Our full menu of mortgage programs include purchase, refinance, construction, and equity. We also offer specific services, such as the First-Time Homebuyers Program, which allow members little or no down payment and flexible qualifying terms. · Free Checking - With no monthly service fees, no required minimum balance, and above-market dividend rates our checking accounts are convenient and affordable. Additional enhancements, including free checks for members age 60 and over, offer further support for members living on fixed incomes. · Certificates - We offer a wide range of short- and long-term investment programs that typically offer above-market rates and minimum opening balances as low as $500. · Individual Retirement Accounts (IRAs) - These popular investments - with no minimum balance requirements - provide members with a variety of tax-deferred retirement investment options. Traditional, Roth and Education IRAs are available. · Competitively Priced Consumer Loans - Our consumer loans offer flexible terms and a variety of payment options. With credit-based lending, we are able to offer loans to a wide range of borrowers. · Student Loans - These government-insured loans help members with educational expenses. · VISA® Credit Cards - Lines of credit on our low-interest Visa credit cards start at $500, which assists first-time and low-income members meet qualification guidelines. Our expanded offerings include Gold and Platinum cards with competitive rates, increased purchasing power and identity theft protection. · Direct Deposit & Payroll Deduction - Not only are these services convenient for our members, they also encourage financial thrift. · Members Financial Services - This program assists our members with financial and retirement planning, investment advice, brokerage services and insurance needs. · Member Business Relationships - Services such as checking, savings, lending and pension help small-business owners and growing businesses with their financial needs. · Convenience Services - To make transactions easier for our members we offer the following convenience services:24-hour access to accounts via our surcharge-free automated teller (ATM) network, touch-tone phone, and personal computer Electronic statements, tax-filing, and online credit reports Shared-Service Centers - over 1,500 nationwide Skip-A-Payment loan programs Overdraft Protection Overdraft Privilege · Car Buying Service - Our car buying service is free to members and provides them with dealers' cost information and assists with car searches and purchases. · Contact Center - Fully staffed, our Contact center provides personalized member service by phone, fax and online. · Volunteer Income Tax Assistance (VITA) - By providing office space, computers and volunteers, this free tax preparation service is designed to help our low- and moderate-income members file their income taxes, and protect them from predatory lenders. · MEMBERS Prime Club - Designed especially for members age 50 and better, the club includes free checking with dividends, free checks, consumer education, and credit union sponsored social activities. · Member Surveys - The ultimate measure of our success is member satisfaction. We conduct regular members surveys, which provide insights into our service ability as well as potential new services and products.