REAL SERVICE: BECAUSE SWEETWATER FEDERAL CREDIT UNION MEMBERSHIP
HAS ITS ADVANTAGES

We guarantee you’ll love owning a part of
SWEETWATER FEDERAL CREDIT UNION
or your money back.

SAVINGS

Savings Accounts

A $5.00 deposit into a savings account entitles you to the benefits of membership in Sweetwater Federal Credit Union. Once the savings account is opened, all others services are available to you. When a savings account has reached $2500.01, a higher dividend is paid. Dividends accrue daily and are paid monthly.

Piggy Bank Club

Members 17 years old and younger are eligible for the Piggy Bank Club. When the account is opened, the member can choose a prize from our treasure basket. When the member deposits a minimum of $5.00 into the account, they are entered into monthly and quarterly drawings for prizes.

Share Certificates

Sweetwater Federal Credit Union offers many different share certificates with different terms and different minimum balances. Rates at other financial institutions are surveyed monthly to ensure that our rates are among the best for our members.

Life Savings Insurance

The Life Savings Account is a separate savings account, which carries a life insurance policy for the primary owner of the account. Upon death, the amount in the account will be matched up to $2000.00. The insured amount for deposits made after age 55 is pro-rated.

Individual Retirement Account (IRA)

Sweetwater Federal Credit Union offers Traditional IRAs, Roth IRAs, and Educational IRAs (Coverdell Education Savings Account, ESA). No matter where your road takes you, a Sweetwater Federal Credit Union IRA will play a major role in your financial security.

Checking

Checking Accounts

Opening a checking account with Sweetwater Federal Credit Union has many benefits:

• No monthly maintenance fee if a $300.00 balance is maintained (monthly maintenance fee is waived with direct deposit)
• Easy record keeping with duplicate checks
• Monthly statements
• Overdraft protection from savings

Student Checking Account

Sweetwater Federal Credit Union offers maintenance free checking accounts to students. Maintenance free checking accounts require no minimum balance and the monthly service charge is waived. Written verification of courses is required annually.

Club 55

Sweetwater Federal Credit Union presents a golden opportunity for all members 55 years of age or better. The benefits of Club 55 membership include the following:

• Free checking accounts
  No minimum balance required
  No monthly fees
• Free checks
  Duplicate checks for easy record keeping
• Free Notary Public Service
• One-stop shopping for all your financial service needs

Questions? Sweetwater Federal Credit Union staff is more than happy to answer any questions you have about the services we offer. You may contact a member service representative at 307 382-2227.

VISA Card Services

Debit Card

The Sweetwater Federal Credit Union debit card looks like a credit card but works like a check. The money is withdrawn from your checking account as if you wrote a check. Overdraft protection is offered on debit cards.

Credit Card

Members of Sweetwater Federal Credit Union may apply for a Visa Credit Card. We offer a fixed annual percentage rate and no annual fee.

Loans

Loans

Sweetwater Federal Credit Union prides itself on quick service of processing loans. We offer extremely competitive rates. We also offer pre-approval for vehicle loans. This is a great convenience for members because the financing will be ready and waiting for you when you close the deal on a vehicle. The Credit Union offers a wide variety of loans to take care of your financial future and make borrowing a pleasant experience.

Credit Life and Disability Insurance

These insurances offer an affordable way of protecting yourself and your family should you not be able to make your payments. Single disability and single or joint life insurances are available.

Guaranteed Asset Protection Insurance (GAP)

Gap insurance will insure you for the difference between what you owe on a vehicle and what an insurance company says it's worth. This insurance although not required, is a must for someone who is considering purchasing a new vehicle since a new vehicle depreciates right after it is driven off the dealer's lot.

ATM

Automated Teller Machines

Main Office - 2611 Foothill Blvd.

Memorial Hospital of Sweetwater County – 1200 College Hill

Members may use their Debit or Credit cards for cash. We Belong to the Allpoint ATM Network, which allows our members surcharge free access to over 32,000 ATMs nation wide. To find participating ATMs, look for the Allpoint logo or visit www.allpointnetwork.com.

OTHER SERVICES

Credit Union Home Banking

CU Home Banking is an online service available for the convenience of our members. Detailed account information is available about your Sweetwater Federal Credit Union accounts including, balances, history, account details and the ability to transfer funds.

Additional Miscellaneous Services