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REGULAR SHARE (Savings) ACCOUNT
*Basic membership account
*No monthly service charges
*Funds deposited earn dividends from date of deposit to date of withdrawal
*Dividends paid on balances of $25.00 or more
*All accounts insured up to $100,000 by the National Credit Union Administration, a U.S. Government Agency. |
SHAREDRAFT (Checking) ACCOUNT
*No monthly service charges
*No minimum balance required
*Overdraft protection from savings for $2.00
*No limit on the number of checks you can write per month
*ATM/Debit cards available |
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ATM/DEBIT CARDS
*24 hour drive-thru ATM located in last lane of our drive-thru
*24 hour ATM located in front lobby of BAMC
24 hour ATM located at Badger Credit Union, Peshtigo
ATM located at Marinette County Courthouse
by Clerk of Courts |
ONLINE BANKING and BILL PAY
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AUDIO RESPONSE SYSTEM (bank by phone)
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PAYROLL DEDUCTION
*Any place of business that may be willing to send your payroll to us
*Worry-free loan payments automatically deducted |
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DIRECT DEPOSIT
*Federal benefits, social security, retirement, etc. |
SHARE CERTIFICATE
*Terms are 6, 9,12, 24 and 36 months
*Rates are higher than regular share accounts
*Tiered rates for higher deposits
*With the fixed rate you are guaranteed dividends even if rates go down
*Dividends are accrued daily and paid semi-annually for all except 9 mo.
which is paid monthly
*May be used as collateral for a loan
*Minimum balances required
*Early withdrawal penalties may apply |
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INDIVIDUAL RETIREMENT ACCOUNTS
*Traditional IRA
*Roth IRA
*Education IRA
*IRA Certfificates of Deposits
*Insured up to $100,000 by NCUA |
COLLATERAL LOANS
*New and Used collateral loans up to 100% financing available
*Terms range from 24-72 months
*Convenience of payments payroll deducted
*Pre-approval available
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1ST MORTGAGES^
*Purchase or re-finance a home
*15-30 year terms available with 5 year balloon |
HOME EQUITY^
*7 year term
*10 year term |
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TACK ON LOANS^
*At vehicle loan rates with lien on vehicle/ with an additional lien on home
at members request |
LAND LOAN^
*10 year term
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SIGNATURE LOANS
*Up to $10,000.00
*Maximum term of 48 months |
SHARE SECURED
*Loan is fully secured by funds existing in regular share account
*Funds secured still earn interest
*Fast & Easy approval
*APR is only 3% above stated savings rate
(minimum 5%) |
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CERTIFICATE SECURED
*Amount borrowed is secured by existing credit union share certificate
*Borrow up to the full amount on deposit
*Funds secured still earn interest
*APR is only 3% above stated certificate rate |
WIRED FUNDS
NIGHT DEPOSIT
SAFE DEPOSIT BOXES
MONEY ORDERS
TRAVELERS CHECKS
INSURANCE |
Products
