• Home Equity Loans - Rates»
• New & Used Car Loans - 100% Financing
  Available - Rates»
• Personal, Share-Secured Loans - Rates»
• Share Savings Accounts(Federally Insured
  up to $100,000.00) - Rates»
• Checking Accounts With No Min. Balance
  Requirement, No Monthly Service Fee &
  (50) Free Checks
• Overdraft Protection & Courtesy Pay On
  Checking Accounts
• Ira Accounts (Roth, Traditional & Coverdell
  Education Savings Accounts) - Rates»

• Christmas & Vacation Club Accounts - Rates»
• Visa Debit Cards
• Visa Credit Cards
• Wire Transfers And Western Union Money Orders
• American Express Travelers Cheques
  & Gift Checks
• Direct Deposit of Payroll, Pension, Social
  Security and Tax Refunds.
• Vehicle Pricing Guides
• Life Savings Insurance (Up To $3,000.00 if
  Shares are deposited by age 55.)
• Cashier's Checks

HERE ARE THE DETAILS AND ELIGIBILITY REQUIREMENTS OF THE NEW SERVICE:

• If you have a share draft checking account (this type of account has an 08 on your receipt), we will cover your checks and atm/debit transactions up to $300.00 without returning the items to the merchant.
• The fee for each non–sufficient fund (N.S.F.) item will still be $20.00, but the check will not be returned. This will save you the fee that the merchant charges. Plus, it will save you the embarrassment and hassle of having to take care of the overdrawn check.
• Your checking account must be open for at least 60 days.
• You must be at least 18 years of age.
• If you have money in your savings to cover the check, the funds will be transferred from that account for a $3.00 fee instead of charging the $20.00 N.S.F. fee.
• The account must be brought to a positive balance within 14 calendar days or the service may be revoked. The member may apply to have the courtesy pay service again once six months has passed without any N.S.F. activity.
• Cognis Credit Union is not obligated to pay any draft(s) presented for payment if your account is negative more than the $300.00 limit. Cognis Credit Union is not obligated to provide prior notice of its decision to refuse to pay any non–sufficient fund check or item.
• To participate in Courtesy Pay there is no application, application fee, or monthly fee. If your account falls under the guidelines specified in this notice, you are automatically eligible for the service on October 1, 2004.

Share Draft (Checking) Accounts
A Credit Union Share Draft account is an alternative to a traditional checking account at a bank and offers you the savings and convenience you want to manage your personal day-to-day finances.

There is no minimum balance, no per check charge and no monthly service fee. The only thing you pay for is the printing of your choice of drafts when you need them.

You'll receive a monthly statement so you may reconcile your check register accordingly and Overdraft Protection and Courtesy Pay is available.

Contact our office today to open your Credit Union Share Draft Account!

VISA Account Types

• The Visa Classic Card has a 12.0% interest rate and is eligible for qualified members.
• The Visa Classic Preferred Card has a 10.5% interest rate and is eligible to qualified full-house members.  Full-house members shall be defined as members who maintain a share draft and debit card account.

Apply For A Credit Card Today