Regular Savings Accounts

• No maintenance fee.
• Minimum balance: $25
• No notice required for withdrawal
• Interest earned from day of deposit to day of withdrawal
• Dividend paid monthly

Share Draft Accounts

• No maintenance fee.
• No minimum balance.
• No notice required for withdrawal

Christmas Clubs

• Start anytime- checks are issued October 1 each year
• Dividend paid monthly

Vacation Clubs

• Start anytime- checks are issued April 1 each year
• Dividend paid monthly

Certificates of Deposit

• $1,000 minimum deposit required
• Guaranteed interest for terms ranging from 6 months to 48 months
• Dividends paid monthly
• May be subject to early withdrawal penalties

Money Markets

• $2,500 minimum deposit required
• Tiered rate structure

IRA Savings Accounts

• Combines the best features of a money market account and a CD
• Rates are reviewed on a quarterly basis
• Dividends paid monthly
• Regular IRA, Roth IRA and Educational IRA’s are all available.

IRA Certificate of Deposit

• $1,000 minimum deposit required
• Guaranteed interest for terms ranging from 6 months to 48 months
• Dividends paid monthly

Borrowing is Better Our Way

When you need a loan, the first place to come is Commonwealth Utilities Employees Credit Union Credit Union.  You’ll find our rates very competitive.

• Car Loans
• Home Equity
• Home Equity Line of Credit
• Personal/Unsecured
• Recreational Vehicles
• Savings Secured
• VISA Credit Cards
• First Mortgage

Loan Service

We are committed to making the loan process as easy as possible for our members.  In fact, thanks to modern processing systems, we offer same day service on most loan applications, either in person, by phone or by fax.  Members can apply at any time without having to go through a waiting period.

Becoming a Member is Easy

All you have to do to become a member of Commonwealth Utilities Employees Credit Union is to fill out an enrollment card with a minimum deposit of $25.00

Other Benefits

• Free Notary Public Service
• Direct Deposit
• Bank by Mail
• Payroll Deduction
• Credit Card Information 24/7

Free ATM Withdrawals

Did you know that there are 2,800 ATM machines nationwide that allow free ATM withdrawals? The SUM network is a program offered to banks and credit unions and administered by NYCE. NYCE is a leading electronic payments network that enables ATM and debit card access for the customers of its financial institution clients. Cardholders of financial institutions that have joined NYCE’s SUM Program can make withdrawals at designated ATMs owned by other SUM Program members without paying a surcharge.

To locate a SUM network ATM go to www.sum-atm.com or call the Credit Union for assistance.