Services Offered

SECURED LOANS

Yard Wide FCU offers a variety of consumer loans. All loan applications are subject to the approval of a loan officer and credit committee. Below are the types of secured loans available:

Share Secured

New and Used Vehicles

New and Used Boats

New and Used Recreational Vehicles

Personal Electronics

Home Equity Lines of Credit

Household Goods

UNSECURED LOANS

Credit Cards

Yard Wide offers the VISA Classic Credit Card with no annual fee. Credit card accounts have the same underwriting standards that apply to all Yard Wide loans, and are subject to the same approval procedures. VISA payments may be made by payroll deduction. Deductions will be deposited to your savings account and debited in a one time payment at the end of each month.

Click here for additional VISA information VISA®

Line of Credit

Members can establish a Line of Credit based upon a percent of their current salary and payable through the payroll deduction program.

Home Improvement Loans

Home Improvement loans are fixed-rate loans that do not require the time and expense of home equity loans. The borrower provides a copy of his property tax statement (to prove ownership) and a copy of an invoice or receipt for the work done. The maximum loan amount is $7,500 and the maximum term is five years. This is considered unsecured because there is not a lien placed against your property.

Loans may be repaid by automatic payroll deduction, electronic funds transfer, or monthly payments mailed to the credit union office. The interest rate for loans repaid by payroll deduction is .25% lower than loans repaid monthly. Credit Life and Credit Disability Insurance coverage is available for all loans.

Click here for additional information about INSURANCE

Click here for additional information about RATES

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SAVINGS ACCOUNTS

Your savings are federally insured to at least $100,000.00 and backed by the full faith of the National Credit Union Administration, a U.S. Government Agency. Below are the types of accounts offered:

Click here for additional information NCUA

Share Accounts (regular passbook savings accounts)
Share Draft Accounts (checking accounts)
Share Certificates
Money Market Accounts
IRA Accounts
Holiday Club Accounts

Deposits can be made by automatic payroll deduction, electronic funds transfer, mail, or in person. Withdrawal checks may be requested in person, by phone, or by the 24-hour audio response system. You may also access your funds by the Yard Wide FCU ATM Card.

Click here for deposit rate information DIVIDENDS

CHECKING ACCOUNTS

Yard Wide offers checking accounts with multiple benefits:

SAVINGS	SECURITY	CONVENIENCE
No Monthly Fees No Per Check Charges No Minimum Balance Interest-Earning Checking 1st Order of Checks FREE	Funds Insured up to at least $100,000 Overdraft Protection Duplicate Drafts of Checks	ATM Services via Honor® and Cirrus® Direct Deposit Payroll Deduction FREE online billpay
BILL PAY IS NOW 100% FREE!		Click on icon to reorder checks online

The National Credit Union Administration (NCUA) is an agency of the United States Government. The National Credit Union Share Insurance Fund (NCUSIF) was established in 1970 to insure member share accounts of federally insured credit unions. Share insurance protection is therefore provided by the NCUA through NCUSIF. Each member’s account is insured up to at least $100,000 by the NCUA. In addition, each IRA account is insured separately by the NCUA to $250,000.

As a member of an insured credit union, you do not pay directly for share insurance protection. Your credit union pays into the NCUSIF based on the total amount of insured shares on deposit.

Credit unions approved for insurance must meet high standards. Adherence to these standards is determined regularly by examination by Federal examiners.

Send mail to Sandra McAdams with questions or comments about this web site.