(814) 452-5743 Monday – Friday: 7am – 4pm

Financial Services for all of your needs

Share Draft (Checking) Accounts



Overdraft Transfer Protection


Overdraft Transfer Protection will be provided on all share draft accounts from share and/or club accounts.

If a draft cannot be paid by a transfer from a share or club account, the draft will be returned NSF.

Statements


Statements will be mailed each month. The statement is to be used by the member for reconcilement.

Paid share drafts will not be returned with the statements.



Preauthorized EFT's


Direct Deposit - The credit union will accept direct deposits of

  • Paychecks
  • Federal recurring payments such as Social Security
  • Other non-recurring deposits such as tax refunds

Preauthorized Debits - Upon instruction, we will pay certain recurring transactions from the members share draft account.

Debit Cards


Debit cards may be used as follows

  • Withdrawal of cash at an ATM
  • Purchases at merchants that accept VISA
  • Cash Back when making a purchase


Introducing Courtesy Pay:
An added layer of safety so you can continue on your way


We all make mistakes - whether it's an error balancing our checkbook, or a forgotten ATM withdrawal. Avoid the embarassment of being declined at the register. Don't pay the fees associated with returned checks or ACH transactions from the vendor.

While it is not an invitation to overdraw your account, it is an added layer of safety should you accidentally write checks for more than you have in your account, or an inadvertent error that causes the account to become overdrawn. You should also consult with the Credit Union regarding our formal overdraft services via your share account.

Courtesy Pay automatically covers checks, debit ACH payments and recurring debit transactions on eligible checking accounts. Recent federal regulations now require members to opt in to participate in Courtesy Pay for everyday debit card transactions.

Share (Savings) Accounts



Regular Shares


A savings account which is your share of ownership in this Credit Union. Required Minimum Deposit of $5. Dividends are calculated on the average daily balance and paid quarterly. Dividends are based on available earnings and cannot be guaranteed.

Christmas Club


A savings account which is your share of ownership in this Credit Union. Required Minimum Deposit of $5. Dividends are calculated on the average daily balance and paid quarterly. Dividends are based on available earnings and cannot be guaranteed.

Vacation Club


A savings account designed to help save for your get away. No minimum deposit required. You can start anytime. Dividends are calculated on the average daily balance and paid quarterly. Dividends are based on available earnings and cannot be guaranteed.


Youth Savings Account


Start Them Young! You can't start too early when teaching kids to be financially responsible. In fact you might be surprised how quickly they become aware of material things. As soon as children turn on a TV or go to school they become increasingly aware of the world around them. They want things like toys and clothes that they see advertised or that their friends have. And as someone who will be guiding a child, you want your kids to fit in, without spoiling them.

You explained to your child how to save money. After taking your lessons to heart, your child has filled his piggy bank to the top! Now it's time to find a savings account for them to deposit all their coins and watch the money grow.

Our special youth account makes it fun and easy for kids age 0-12 to save money. Our youth savings account can be opened with as little as $5, and has no monthly service charges. Youth savings accounts earn a dividend rate and receive prizes each time they make a deposit of $10 or more.

Saint Vincent Credit Union Youth Accounts are a great way to help kids learn about the importance of saving, earning, and even investing money. Kids will learn the basics of healthy saving and spending habits, and have fun too.

Loan Services



Vehicle Loans


New or Never Titled Vehicles

  • 6 year maximum term.
  • Fixed monthly interest rate.
  • Maximum amount financed – MSRP plus tax, title, document fees.
  • A dealer's invoice is required for all new vehicles.

Used Vehicles

  • Fixed monthly interest rate.
  • Maximum amount financed – 100% of the retail value in the NADA.
  • A dealer's invoice is required for all used vehicles purchased from the dealer.


Signature Loans


  • Fixed monthly interest rate.
  • Amount borrowed may not exceed $10,000.
  • Members are limited to one signature loan at a time.
  • Maximum term is 6 years.

Holiday Loans


  • $2,500 for up to 12 months.
  • Low fixed rate of interest.


Mortgage Loans


  • Free pre-approvals within minutes.
  • Low interest rates and closing costs.
  • Expert support and assistance throughout the entire process.

2nd Mortgage Loans


Home Equity Loans

  • Fixed monthly interest rate.
  • Amount financed is 80% of appraised value.
  • Maximum term 2nd lien mortgage 15 years.


Motorcycle / ATV Loans


  • Fixed monthly interest rate.
  • 100% of N.A.D.A. retail value or purchase price – whichever is lower.

Camping Trailer / Tractor / Boat Loans


  • Fixed monthly.
  • Amount financed is 100% of sticker price on new and average retail value on used.