Checking Accounts
A checking account that is $10.00 a month.
(for credit scores below 500)
What a Basic Checking?
An account that is used for savings and has a early penalty if withdrew before November 1st
What is Christmas Club Savings?
Protection that can be added to any loan as long as the member qualifies
Is included in the loan payments but the premium each month is put on the back end of the loan
Price/ premium depends on financed amount
What is Credit Life / Credit Disability?
( Does cap at age 70 for Life and Age 66 Disability)
Used for when someone sells or transfers securities
(Can only be done by Managers/ Assistant Managers)
What is A Medallion Signature?
Card that earns 1.5 points for every dollar spent
What is a Visa Signature Card?
A Checking Account
With No monthly service fee
Have the option to opt in to Overdraft Privilege
(for credit scores 500 and above)
What is a Regular Checking?
An account that gains high interest
and comes with different terms
What is Share Certificates ?
Can be done on Closed End Loans to include any titled loan, share secured, or personal loan.
Is a 25.00 fee and must be in the Account at the time.
Loan has to meet certain requirements
Also this can only be done each 12 month period
What is Skip A PAY?
Is sent two times a day
should be in the account same day or next day
Is a 20.00 fee
What is a Wire Transfer?
A Credit Card that a person uses their own funds as collateral and is attempting to build credit/ improve their credit.
What is a Secured Credit Card?
An account for ages 55 or Older if they are "grandfathered" in they receive complimentary checks
What is a golden account ?
An account for children 12 and under
What is a Youth Account?
( AKA. Frugal Freddie)
Allows you go negative up to 500.00 and may receive a NSF Fee up to 35.00
What is Overdraft Privilege ?
Has a local high school design and when used at the end of the year we donate so much percent back to the school
What is an Affinity Debt Card ?
This card earns an impressive 1.5 points per every dollar spent and 5 points per dollar spent at SRP Park, so you can watch your points grow faster. Cardholders also get exclusive visa benefits.
What is a Augusta GreenJackets Signature Credit Card?
Account for the ages 13-17 and allows them to have a Checking and Savings Account
What is a TAP Account (Teen Advantage Plus)?
Account that is used to save for schooling
What is a Coverdell Education Savings Account?
Price varies.
After having Vin, Year, Make, Model, and Milage it will determine which package the vehicle qualifies for.
Zero Deductible
Nationwide Coverage
24/7 365 Roadside Service
30 day Money-Back Guarantee
Transferable
Trip Interruption
Total Loss Refund
Direct claim payments via Visa/Mastercard
What Is MBI / ROUTE 66 Extended Warranty?
Assist members with getting their finances in order
What is Financial Counseling ?
Loan typically with a higher interest rate and used to combine other debt or make a purchase
What is a personal loan?
We need Social Security Number/Card, A State Id/ Drivers License, proof of address (if not matching one on id, or if they work, worship, volunteer in the CSRA)
What is needed to open a membership?
An account used to set aside for retirement
What is an IRA?
Is 459.00 for a vehicle, Motorcycles, All-Terrain(ATVs), Jet ski's, Snowmobiles, Golf Carts
(For a boat, or motor home/ Rv, or Travel Trailer can be as much as T-1 $408, T-2 $722, T-3 $994, T-4 $1,724)
Can be Covered up to 84 months in the loan or paid out of pocket
If GAP does pay out due to total loss they will also give the member a $1000 towards a new loan with us.
Also if you get in a fender bender on any car that your name is Primary on the title and the vehicle is not a total loss Gap will reimburse your deductible up to 3 years
What is GAP?
( Guaranteed Asset Protection)
Conventional, VA, FHA, Non-Conforming, and HELOC
What is a Mortgage Loan?
Loan Used to purchase something with or without a motor
What is a Vehicle Loan?