HELOC PLUS
Signature Visa
Checking Acts
Centsible Savings.
Auto Loans
100

What is the intro rate on HELOC & the Term. 

.99 for 6 months. 

100

What is the min credit line? 

5K 

100

What are 3 choice checking Benefits/ NOT features. 

  • Free e-Statements
  • Online Bill Pay service
  • Eligible for Centsible Savings
  • Courtesy Pay may be available
  • Free online and mobile banking
  • Free telephone banking access
  • No monthly minimum balance required
  • May be used as an overdraft source account
  • Optional overdraft loan protection for qualified members
  • VISA® debit cards are instant-issued in-person at branches
  • No ATM withdrawal fee from Avadian or CO-OP network ATMs


100

You do NOT have to have a checking account. 

True or False 

False

100

What is the starting current rate on our auto loans. 

1.99 is the starting rate. 

200

You can do a HELOC on your rental property. 

True or False

False

It has to be on your primary residence 

200

The rate is fixed depending upon your credit score. 

True or False 

False. 


200

How many choice checking options do you get? 


3 Per Checking accocunt. 

200

The interest rate is 5%. 

False the interest rate is 3%. 

200

What is the max term we can go on auto loans? 

84 Months. 

300

What is the min. advancement to avoid closing cost? 

10k 

300
How many points do you earn? 

1.25 per every dollar

300

What is the courtesy pay fee? 

$30

300

Why is it important to enroll in estmns? 

Mbr will then receive a 5% match on top of the 3% interest if enrolled in estmnts. 


This also saves the credit union money. 

300

You have to be a member to apply. 

True or False. 

False

Anyone can apply but if approved you have to open a savings account. 

400

Only a loan officer can do HELOC advancements.

True or False 

False.

Anyone can do a advancement through the specfile menu for fixed payments. 

400

We are still doing the 0% interest on balance transfers? True or False

What is the fee? 

True

$5 or 3% whatever one is larger. 

400

What is the transfer fee from savings account? 

$5

400

Only the Primary members debit card will round up. 

True or False

False any joint member that has a debit card will round up. 

400

What is GAP insurance? 

This is the difference your auto would be worth vs. what you owe if you wreck the auto. Gap covers the difference. 

500

What is different about our new HELOC? 

Intro rate is 6 months and EVERYONE gets it. 

Can fix out your pavements for princ. and interest in segments. 

Prime plus margin rite after the 6 months. 

500

What is a cash advance? & What is the fee? 

Where you are getting cash of the line of credit. 

5$ or 3% whatever is larger. 

500

How old do you have to be to open a checking account? 

13

500

Only new members can get a Centsible Savings. 

False, any member with a checking account can add it at anytime. 

500

You get a discounted rate on auto loans if you have a checking account. 

True Or False 

True. 

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