Show me the money
Savings that earns you 4%APY on the first $10,000.
What is the SmartStart Savings?
The checking that earns you cash back!
What is Affinity Cash back debit checking?
Earns rewards at Amazon; includes cell phone protection as a perk.
What is the Cash Rewards Visa Signature?
We don't do this type of loan directly but we offer scholarships.
What are Students Loans?
AIS
Has New money Promotional and Bump-up options available.
What are Certificate accounts? (or CDs)
Third party company that we order checks from
Who is Harland Clark?
Great for balance transfers and has special low 12-month intro rate.
What is the Premium Visa?
Members would need to speak to an MLO about this loan product.
What is a mortgage?
Has a $500 minimum balances requirement and gives you 200 free transactions.
What is the Business Basics checking?
Saving account for children under 13
What is Savvy Savers account?
Another account that is tied to the checking in case there is not enough funds.
What is an overdraft account? (will also take draw account or LOC)
The Affinity Visa card that is tied to special organizations.
What is the RBNY Rewards Visa
Two programs used to help member find cars and earn perks when they apply for their loans through us!
What is Costco Auto and Enterprise?
$15 per transaction if the transactions is $75 or greater
What is DCCP or Premium OD usage fee?
Two types of accounts for teens and young adults.
What are Teen and Revolution accounts?
This checking has a minimum of $1000 and earns dividends.
What is the More Checking?
Credit limit is dictated by the funds that are held in member's account.
What is Secure Visa?
Requires you to take a budgeting course as part of this loan application process.
What is Debt Consolidation loan?
CKR
Corporate Knowledge Repository or Zavanta or Library
Two tax deferred savings accounts
what are IRA and HSA?
A status that allows you to order free checks.
What is the Even More status?
Earn 5000 bonus points on first purchase and Points never expires! Even more members earns double!
What is the Pure Rewards Visa?
Using home value for a loan. No need to pay closing cost if the loan is under $400,000!
What is the HELOC?
MLO, DTI, POI
Mortgage Lending Officer
Debt to Income Ratio
Proof of Income