Regular Share Savings

• $25 Minimum Balance
• Dividends paid on balances of $100 or more
• Free ATM Card, Unlimited withdrawals
• Free Home Banking

Christmas Club

• $25 Minimum Balance
• Dividends paid on balances of $100 or more

Value Checking (Age 25 thru 49)

• $5 Service Fee waived and dividends paid on balances of $500 or more
• Free Home Banking and Bill Pay
• Free ATM Card, Unlimited Check Writing
• No Per Check Charge, Overdraft Protection
• Free VISA Debit Card (with approval)
• Courtesy Pay (overdraft privilege with approval)
• Account converts to 50-Plus Checking at age 50

50-Plus Checking (Age 50-Plus)

• No Monthly Service Fee
• Free Money Orders and Free Travelers Checks
• Plus all of the features of Value Checking

1st Time Checking (Age 15 thru 24)

• No Monthly Service Fee
• Free Checks (First Box Basic)
• Plus all of the features of Value Checking
• Account converts to Value Checking at age 25

VISA Debit Cards (Checking only)

Courtesy Pay

• Overdraft Privilege that pays NSF checks

ATM Cards (Savings and Checking)

IRAs

Loans

• Autos, Boats (New and Used)
• Signature (unsecured), Consolidation
• Motorcycles (New and Used)
• Real Estate (1ST & 2ND Mortgage)
• New and Used RVs, Campers and Jet Skis
• Share-Secured (fully secured by Shares)

PLATINUM VISA Credit Cards

• 6.9% Fixed Rate
• No Annual Fee, 25-Day Grace period

24-HOUR TELLER

• 1-800-724-7581 (Inquiries and Transactions 24/7)

Drive-Up ATMs (All Locations)

• Plus, Pulse, Cirrus, Visa, MasterCard & CU24

Share Certificates (Certificates of Deposit)

• 6 months / $5,000 minimum
• 12-24 months / $1,000 minimum

Night Depository (All Locations)

Drive Thru Windows (Columbus Centre and Starkville MSU)

Insurance Services

• Whole Life/Term Life
• Accidental Death & Dismemberment
• Hospital Accident Plan
• MEMBERS Auto (Liberty Mutual)
• MEMBERS Homeowners (Liberty Mutual)
• Combined Credit Life & Disability

Wire Services

Direct Deposits (ACH)

Payroll Deductions

• Savings/Checking/Loan Payments/Christmas Club

Money Orders / Travelers Checks

VISA Gift Cards

Free Notary Service

Family Memberships