(814) 946-1293    109 Keystone Street Altoona, PA 16602    cballos@yourchoicefcu.com    Mon – Thurs: 9am – 5pm. Lobby until 4:30pm. Fri: 9am – 6pm. Lobby until 5:30pm

A variety of services to help you meet your financial needs

Services We Offer



Share Savings

Similar to a savings account, the account offers a low minimum balance requirement of $5.00 and competitive dividends (interest).

 

Share Draft (Checking Accounts)

Say goodbye to your old checking account and say hello to FREE credit union checking. Our checking accounts require no minimum balance, no per check

charge, and no monthly service fees.

 

Special Accounts

Special accounts are similar to share savings accounts and are available for various reasons such as vacation, taxes, insurance, etc. It is perfect to set aside money in a special account for a specific need.

 

Share Certificates (CD’s)

Discover why an investment into a credit union share certificate is a smart investment. Similar to bank certificates of deposit, the account pays much higher dividends than regular savings accounts and funds are deposited for a prescribed period of time. There is a minimum balance requirement of $500.00 and 6 month to 24 month terms are available.

 

Debit Cards

Master Debit Cards: Master Debit Cards are available to transfer or withdrawal funds, available to or from your savings and share draft accounts, including point of sale transactions.

 

Courtesy Overdraft Privilege Program

Overdraft Privilege is a service that is automatically provided to all member share draft accounts in good standing (members have the right to opt-out). With overdraft privilege your check, ATM withdrawal, Debit Card purchase or other electronic debit items may be covered by the Credit Union up to the limit of $300.00. You will be charged the standard NSF fee of $35.00 per item. You will receive notification when an overdraft occurs on your account and you will be expected to deposit adequate funds to bring your account to a positive balance within 30 days.

 

Personal Loans

Personal loans are granted without collateral. The maximum limit is $7,000 per member; however individual limits are determined by your credit score. Not everyone will qualify for the maximum. Shared Secured Loans are also available.

 

Home Equity Loans

Home Equity loans are also available. We lend 80% of the equity in your home up to a maximum of $100,000 for a maximum term of 15 years.

 

Student Loans

Our student loan program offers a $2,000 per year maximum loan, at a rate lower than the personal loan.

 

New/Used Vehicles, Motorcycles, Newer RV’s, Snowmobiles, Boats, ATV’s and PWC’s that can be titled

Don’t get taken by the dealer on bad financing!! The credit union provides competitive financing up to 6 year loan terms. Ask about a pre-approval to make that next purchase even easier.

 

Life and Disability Payment Protection

These valuable protections are available to protect credit and deliver peace of mind. Disability protection will reimburse you for the payments you make when you are considered unable to work by a qualifying physician due to illness or injury.

 

The Better Choice Loan Program

  • Available to any current member or anyone eligible to join the credit union.
  • Credit union reviews application and makes a loan decision without reviewing member’s credit score or past credit history
  • Maximum loan proceeds to be $500.
  • The Better Choice Cash Advance is a short-term installment loan with a maximum term of 90 Days.
  • Loan payments are calculated based on either weekly, bi-weekly or monthly installments.
  • No rollovers and no additional loans are permitted until the first loan is paid off.
  • Credit union agrees to offer financial counseling to member through the use of either a third-party provider or by developing in-house expertise.
  • A maximum application fee of $20 may be charged. This fee can be paid in advance or financed as part of the loan balance.
  • Loan interest to be calculated at a maximum rate of 21% APR.

 

Payroll deduction and direct deposit

Payroll deduction and direct deposit are available to make deposits to your accounts and your family member account’s. You also have the convenience of making your loan payments electronically, transferring from your savings/checking account.

 

Remote Deposit

Any check, any time, anywhere! Just login to our mobile app, take a picture of the front and back of the check and have it deposited to whatever account you’d like.