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 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.
Direct Deposit - The credit union will accept direct deposits of
Preauthorized Debits - Upon instruction, we will pay certain recurring transactions from the members share draft account.
Debit cards may be used as follows
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.
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.
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.
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.
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.
Auto refinancing is the process of paying off your current car loan with a loan from a new lender. If you would like to save some money each month or if you are struggling with your car payments, now could be a great time to refinance your existing auto loan that was not previously funded by Saint Vincent FCU.
Most people refinance to save money but this goal can mean different things to different people. If you keep the term the same and are eligible for a lower interest rate, you could save money each month and possibly thousands over the life of the loan. You can also choose to extend your term to get your monthly payments even lower, but keep in mind this could cause you to pay more money in interest over the life of the loan.
New or Never Titled Vehicles
Used Vehicles
Home Equity Loans