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COMING SOON: SAME DAY PAYMENTS

As part of an effort to improve and modernize the U.S. payments system, you may have already noticed a change in the times during the day that we apply electronic Direct Deposits to your account. This change was made to help provide you with faster access to funds for same-day Direct Deposits to your account. Beginning on Friday, Sept. 15, 2017, NACHA,The Electronic Payments Association responsible for the rules surrounding direct deposits and electronic withdrawals, will change the times that we apply certain electronic debit payments to your account.1

Many merchants and billing companies may offer you the option to make a same-day electronic payment, such as to pay a bill or to transfer funds. If you agree, then the funds might be debited from your account as soon as that very same day. For example, if you have a bill due on the 25th of the month, the billing company might allow you to call or use its website on the morning of the 25th to make an on-time payment. Your funds will then be debited from your account on the 25th. While these types of payments won’t be reflected on your account balance as quickly as your debit card and ATM transactions, you will have access to more accurate information about your actual available account balance more frequently throughout the business day.

1 These electronic debits are commonly known as Direct Payment, Direct Debit, ACH Debit, Electronic Check or e-Check, and similar terms. They are different from your debit card payments and ATM transactions.

WHAT MEMBERS SHOULD KNOW

  1. You should understand that when you authorize a merchant or biller to debit your account, the merchant or biller should include information or a statement about the timing of the payment. If the merchant or biller offers you the option to make a same-day payment, it might be referred to as a same-day payment, or noted that the merchant or biller intends to collect the funds as quickly as possible.

  2. If you have pre-authorized an electronic payment, such as a recurring mortgage or insurance payment, then it is very likely there will be no change to the time that these payments are posted to their account. As always, SCU will receive and post these payments normally as designated by the transaction effective date.

  3. You should always have sufficient funds in their account to cover every payment they make, authorize, or initiate, and you should frequently review their account statements and transactions.

If you should have any questions regarding these changes, please reach out to the credit union at (920) 433-1784. We are more than happy to explain these changes to you.

 

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Rate Matching on Vehicle Purchase

Finance your vehicle at SCU!

Are you paying more than 2.74% APR* for your vehicle loan?  Thinking of purchasing a new or used vehicle?  Finance it with us!  We finance cars, trucks, boats, campers, motorcycles, snowmobiles and ATVs.

If you are offered a lower rate elsewhere, bring us proof of that rate and we will see if we can match it!

Save interest expense by paying biweekly with payroll deduction. 

Contact us today! 

* Membership eligibility required.  Actual rate determined by credit score.  Rates subject to change without notice.  Loan terms determined by vehicle MSRP or NADA values.  Not valid for home equity loans.  We will "Rate Match" up to a maximum of .75% below the current eligible rate with member providing prod of rate eligible elsewhere.  Members wishing to refinance existing SCU loans must add at least $1000 new money to get the rate or pay a $50 refinance fee.   

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CardValet

CardValet for MasterCard debit cards

We are excited to announce a new service for our members with debit cards.  It is called CardValet.  CardValet is our new mobile phone application that lets you control how, when, and where your debit card can be used. You can turn your card off when not in use, set alerts to advise you when your card is used, and even set controls that limit where and for what amounts the card can be used. It’s very easy to download the app and start using it.  Download the app from the Apple app store or Google Play store.  Register your card and set your preferences.

While you cannot transfer funds among your accounts with the app, you can use it to enjoy immediate access to account information.  Balance information will be real time so you can accurately track your transactions. 

Download the app today!  Mary and Nicole would be happy to help you with any questions you have with set up and use. 

CardValet

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Service Credit Union Membership

Did you know that you belong to an exclusive group of people?  Membership in Service Credit Union is only open to employees or retirees of the WEC Energy Group, Inc., its subsidiaries and affiliates, residing in the State of Wisconsin or Michigan. Members of the employees' immediate family are also eligible for membership. That means you tell your siblings and children about the great rates you get on auto loans and unsecured loans at SCU. 

As a member/owner of the credit union you can help us to grow and prosper by inviting your family members to join and use the credit union for their borrowing and savings needs.

Spread the word today!

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SallieMae ® Smart Option Student Loan

For college expenses not covered by scholarships and federal loans, Service Credit Union has partnered with Sallie Mae to bring you loans with great repayment options and competitive rates.

Click here to apply and learn more details.

*We are compensated by Sallie Mae for the referral of Smart Option Student Loan customers.

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Rate Matching on Vehicle Purchase

SCU now offers rate matching

We are committed to our members and we want to make sure you get the best financing on your vehicle purchase.  If you are offered a lower rate at a dealer or other financial institution, provide us proof of that rate and we may be able to match it.  Our payroll deduction program will save you even more! 

Don’t want to hassle with dealer financing?  Call us for preapproval on a loan before you shop!

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SCU Home Mortgages 

In addition to our home equity loans and home equity lines of credit, we offer mortgage loans through AmeriCU mortgage.  If you are looking to purchase a home or refinance your current mortgage contact us today at (920) 433-1784 for more information.

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Stock the Shelves Sign up for ServiceCU Online and eStatements!

Tired of getting paper statements for your account?  Sign up for online banking and eStatements – it’s free! 

Go to the ServiceCU Online page and follow the instructions to enroll.  Once you are logged in, choose the Self Service tab – Additional services – eStatement link.  Read the terms and conditions and view the PDF file at the bottom.  Then choose Agree.  It is that simple.  No more paper statements and easy access 24/7 to your account at Service Credit Union.

Enroll today!

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Open your share draft account today
Open a SCU checking account!  

Tired of your bank’s monthly service fees for your checking account?  Open a share draft (checking) at SCU.

  • No monthly fees
  • No direct deposit required
  • No minimum balance required (after $100.00 to open)
  • No per check charges
  • FREE access to ServiceCU Online
  • Overdraft protection available (transfer from shares or line of credit)
  • Debit card available

You have your savings here – why not have your checking here? Call Mary or Nicole today at (920) 433-1784 for more information on our share draft account. 

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Security Online

Online Security

Your online security is very important to us. We take several precautions to ensure your information is secure.
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Newsletters (in PDF Format)

 

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600 N. Adams Street
Green Bay, WI 54301-5146
920-433-1784
Open Monday - Friday 8:00 am - 4:00 pm

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This credit union is federally insured by the National Credit Union Administration

          

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