Regular savings accounts are called share accounts because each member owns a share in the credit union.
Perform credit union transactions at 12 Service Centers across Indiana. Monday through Friday 9:00 a.m. to 7:00 p.m. and Saturday 9:00 a.m. to 2:00 p.m. (except at Fort Wayne). Locations throughout the country are available also. Connect to or through for information on the national network.
Dunlap Credit Union Center:
Elkhart: 2400 Middlebury St.
FORT WAYNE: 6401 West Jefferson (Village at Time Corners), 5725 Coventry Lane (Three Rivers FCU)
Gary: 1544 W. 36th St. (across from The Village Shopping Center)
Hammond: 1251 165th St.
Hobart: 7752 E. 37th Ave. (North Ridge Shopping Center)
INDIANAPOLIS: North at 9333 N. Meridian St., South at 8811 Hardegan St. (County Line Mall), East at 10120 East Washington St., West at 5836 Crawfordsville Road (Speedway SuperCenter) and Castleton at 6150 E. 82nd St.
Osceola: 901 Lincolnway West (OC Center)
Schererville: 1150 Highway 41, Unit B
Valparaiso: 1679 Morthland (Thornapple Plaza)
Average Daily Balance dividends are paid on all accounts except share draft accounts. Regular Shares and Special Deposit account dividends will be calculated on balances over $50. Dividend rates are based on the credit union's earnings at the end of the dividend period which is monthly and cannot be guaranteed.
Club account that allows for no withdrawals during the club plan year which runs from October to October.
Club account that allows for no withdrawals during the club plan year which runs from April to April.
For members who desire a separate account from regular savings.
Classic VISA with no annual fee, 25 day grace period to repay the balance, no transaction fee for purchases, no transaction fee for cash advances at any financial institution displaying the VISA name and any Automated Teller Machine (ATM) displaying the PLUS name. A toll free 800 number gives access to account balances, payments made, etc
C.A.P. App
What is a C.A.P. App? If you contact us at , you may apply for a Cardholder Authorization Payment application for 3 EASY ways to pay your VISA balance. Choose from paying the full balance each month, paying the minimum balance or a fixed payment amount each month. ALL this from either your Cooperatives FCU account or from ANOTHER financial institution account! No more separate checks or stamps or envelopes. We make it simple for you.
You may receive a cash advance at the credit union office up to your credit limit on ANY VISA card you hold.
Accounts that allows a member to deposit up to $2000 or $2250 into a retirement plan. We offer traditional IRAs, Roth and Educational IRAs. Deposits may be made by payroll deduction or cash/check and are accepted in any amount up to the maximum. Members with pension plans should consult with their financial advisor or tax accountant to determine if the IRA will be allowed as a tax credit for income tax report purposes. Remember, if you choose to deposit and your income is not tax deductible, your dividends are still tax deferred.
Checking accounts called share drafts because the member does not receive the original draft back, but produces a carbon when writing the original. No minimum balance, no service charge, no per-draft fee. Deposits or withdrawals to or from your account may be made by insurance companies or mortgage companies automatically without physically writing a share draft. (See ACH). This saves stamps, envelopes, drafts, and remembering to pay a bill or send a deposit. ATMs and Check Cards allow instant access to your money. You can even reorder your checks on line with Liberty and Cooperatives Federal Credit Union.
The "painless way to save". If money is taken out of your payroll check and sent to the credit union., you do not have it to spend and it accumulates in your account/s. Deposits may be in any amount, for any specified time and split into any account you wish including family member's accounts.
Company payroll checks and Government recurring checks such as Social Security checks or military reserve checks are made through direct deposit. Money is received by the credit union office and credited to your account by electronic transfer. Saves time, cost, and possible theft from your mailbox. See ACH for payroll deposits.
Electronic transfers made through the Federal Reserve System. No check is issued but money is received by the credit union to credit your account or notice is received to withdraw from your account (mortgage payments or insurance payments on a monthly basis). See share drafts.
Allows you to access your money close to home. At machines displaying Cirrus, Magic Line, or Share System logos: deposits, withdrawals, transfers, and making balance inquiries are possible with ATM cards. ATM's are fast, easy, and convenient.
Anyone related to you by blood or marriage regardless of residence may join your credit union. This includes children, parents, grandchildren, grandparents, spouses, in-laws, etc.
If you leave the field of membership, but keep your account open, you remain a member. If you close your account, you may no longer qualify to reopen membership in the future.
Member-pay credit disability insurance is available on all loan types. For a small premium, the loan payment amount would be paid directly to the credit union after the 31 st day of disability.
Member-pay credit life insurance is available on all loan types.
National Credit Union Administration (NCUA), a federal agency, insures your accounts. See "Your Insured Funds" for details.
Statements are mailed to your home monthly if you have a share draft account or if you make funds transfers electronically and quarterly if you have any account other than a share draft.
Available to members at no cost.
Available at a small fee.
Available at a small fee.
Available at a small fee. Types of American Express Travelers Cheques include: traditional, two-party (ideal for couples), and gift checks which may be used for any purchase (great as gifts).
Available
Money may be wired by electronic funds transfer (EFT) to another financial institution or received by EFT to our credit union.
The credit union accepts information on loans, share draft reorders, etc. by fax. Information may be sent to members via fax also.
As a member of this credit union, you are eligible to join Sam's club at their current admission price.
Available for individual purchase. Redemption is also available.
Credit Line Loans and Overdraft Protection loans up to a maximum of $10,000 (total unsecured limit cannot exceed $10,000 per member). Secured loans on serial-numbered or titled items with no maximum limit. C.A.L.L. (Cooperative Auto Lease Like Loan) loans on vehicles. Share secured loans with no maximum loan limit. See loan chart for current annual percentage rates and repayment schedules.
Types include PLUS, Subsidized Stafford, and Unsubsidized Stafford Loans. On your student loan application use Cooperatives FCU's lender code of 832734 to apply. We have the applications that we can mail to you, or you can pick one up at our office. You can apply for Federal Student Aid through the Department of Education's website at.
Located in rear of credit union office building for deposits, loan papers, transfer requests, etc. during non-business hours. Checked two times daily by the credit union staff.
Toll free 800 number enables members access to the credit union 24 hours a day, 7 days a week, 365 days a year. May make withdrawals, transfers, balance inquiries, obtain information on draft clearing and loan rates, etc. May also inquire and transfer from one account to another such as a child's account to your account. Call the credit union office for your personal identification number (PIN).
Time deposit accounts available at current market rates. (Rates change weekly.) Minimum deposit $1,000. Terms are 6, 12, 24, 36, and 48 month certificates. See CFCU's home page for current rates.
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Main Page: Cooperatives Federal Credit Union