Accounts & Services

  Savings • Checking • Loans • VISA • Online Banking • E-Statements • Draft View • ATM Cards • Debit Cards  
Service Centers • Dial • Routing & Transit • Schedule of Fees

SAVINGS

A MSCU Share account is a convenient way to save because the funds in this account may be withdrawn at any time without penalty. To start your savings account, a deposit of only $5.00 is required.

CERTIFICATE OF DEPOSIT
A risk-free way to earn highly competitive returns.

IRA ACCOUNT
Our Individual Retirement Account is an excellent way to save for retirement. Taxes on the account earnings are deferred until the account is drawn on, usually when you are in a lower tax bracket. Your annual contribution to this account may be tax deductible. Contact your tax advisor to see if you qualify for this deduction.  Roth IRA, Roth Conversions, and Educational IRA's also available. Please call for an appointment to open or close an IRA.

CLUB ACCOUNTS
Our Christmas and Vacation Club accounts provide an ideal way to save for any annual expense. Your regular contribution and our competitive dividends mean your money will grow quickly.

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PREMIER CHECKING
Premier Checking is the first share draft account to earn interest.

• Minimum balance of $5,000 is required
• No monthly maintenance fee
• Check orders are free (one box per order)
• Interest will be posted monthly
• $8.00 monthly fee if minimum balance is not maintained

SHARE DRAFT CHECKING
Possibly our most popular program, our virtually fee-free checking account is one of the best. Compare ours with other programs and decide for yourself.

• No minimum balance. Members can maintain any balance they wish without penalty or charge.
• Overdraft line of credit. Protect yourself from non sufficient fund checks.  Subject to approval.
• Convenient. Our carbonless copy design gives you an automatic record of your checks. An easy-to-reconcile monthly statement makes keeping track of your accounts a breeze.
• No per check fees.
• Low monthly maintenance fee of $1.50 (waived if MSCU VISA Card holder).

Metro Shores uses Telecheck for checking account opening approvals.
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LOANS

The Credit Union makes its funds available to credit worthy members through thoughtful consideration of each application. Approval takes into consideration the individual's credit experience, length of employment, the purpose of the loan, and the ability to repay. We offer many competitive and convenient programs.

• New and used Auto Loans
• Home Improvement Loans
• Boat and RV Loans
• Motorcycle and Power Sport Vehicle Loans
• Vacation Loans
• Home Equity Loans - Closed End & Line of Credit (variable)
• Signature Loans
• Share Secured Loans
• 1^st Mortgage Referral Program

There are no fees for applying for a loan at your credit union! Our friendly, professional loan officers will process your loan application quickly and efficiently. We can often let you know the result of your application the very same day you apply in some cases.  There are never any pre-payment penalties, so you can pay off your loan when you see fit.

View Our Current Rates   OR   Apply for a Loan Online!

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VISA

ACCEPTED WORLDWIDE!

Our VISA card is accepted worldwide at thousands of locations as a means of purchase. Why pay high rates of interest for other cards? Our VISA rate is much lower than those offered by national card issuers, and has these great features:

• A low 8.88% fixed rate of interest on the Visa Preferred Platinum.
• A low 11.88% fixed rate of interest on the Visa Classic. Many others charge as much as 18% to 21%.
• 25 day grace period. Take up to 25 days after billing to pay your full balance before incurring any interest on purchases.
• No annual fee. Many others have annual fees as much as $60.00.
• Cash Advances. Get cash at any financial institution displaying the VISA logo.
• 24 hour access through an ATM.
• Payments can be made at the credit union.

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ATM CARDS

Get an ATM card at no charge to you! A small fee will apply to replace an existing ATM card.

Look for the logos listed below on Automated Teller Machines throughout the nation conveniently located in financial institutions, grocery stores, malls and shopping centers. A MSCU ATM card gives you access to your money 24 hours a day, everyday!

To locate an ATM near you, please click here.

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Metro Shores is proud of the MasterMoney Debit Card Program. If you have a checking account with the credit union you can apply for a debit card. The new cards carry the MasterCard logo and can be used to make purchases from your checking account anywhere MasterCard is accepted. No more check writing when you're out and about. You can also use your card to do transactions at ATM machines. Debit cards do require approval so please request your application today.

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SERVICE CENTERS

Our members can take advantage of the many Credit Union Family Service Centers. You can use the Service Centers to conduct most of your credit union business. Click here to find the Service Center closest to you!

With a touch-tone telephone and a personal identification password, your credit union accounts are never more than a phone call away with DIAL. It's a convenient and easy way to handle your finances while at home, work or while traveling. DIAL provides you with computerized access to your accounts 24 hours a day and 7 days a week. It is the ultimate in convenience and it is entirely safe.

To make it even better, DIAL is a service provided at NO COST to credit union members. DIAL is safe and it's confidential for these reasons:

1. Only you have access to your password/PIN;
2. Transactions can be made only between your own accounts;
3. Transfers cannot be made to someone else's account.

WHAT CAN DIAL DO?

DIAL acts as your personal telephone teller. DIAL is easy to use because its menu driven ... you are instructed step-by-step what to do. To see the many types of inquiries and transactions that are possible with DIAL, refer to your Service Card. These codes will be used to make your selections through your touch tone phone.

SOME HELPFUL HINTS

1. When entering dollar amounts for transfers and withdrawals, enter the dollars and cents without a decimal. For example, $150.00 would be entered as 15000.
2. Your PASSWORD is also referred to as your PIN.

EASY STEP BY STEP INSTRUCTIONS

From a touch tone phone, call (734) 676-8546. When the system prompts, enter your Base Member Number, (1, 2, 3, 4 or 5 digits) and four digit Personal Identification Number as instructed.Example: Base 99999#
Pin 1111#You will then enter the MAIN MENU. The MAIN MENU consists of five options:

1. Transactions
   • from Checking Account
   • From Share Account
   Inquiries
   • Balance on all accounts Checking Accounts, Share Accounts, Loan Accounts
   • IRA Accounts
   Caller can customize their PIN Number General Information General Information
   • Office hours/locations
   • INT/DIV Rates
   Next Member number

   Allows caller to enter new Mem. # and PIN

The system will ask for your Share or Loan I.D. Enter the three digit I.D. for your account. Refer to your statement for the correct three digit I.D.
Do not enter decimals for dollar amounts. Example: $10.00 is 1000.
Questions? Please ask any Metro Shores CU employee for assistance as you familiarize yourself with D I A L. We are here to help.