Share Draft (Checking) Accounts

Why pay for checking? It could be free and pay dividends!

That's right. Our share draft (checking) accounts are the best deal around. Check the following benefits out:

• No minimum balance

• No monthly service or maintenance fees

• No per check charges

• No limit of checks written

• No up charge on checks ordered (most places do charge and never tell you about it)

• We PAY dividends on the average daily balance

• We offer a free ATM card (allowing 4 free transactions per month)

• Free direct deposit

• Overdraft protection available (with approved credit)

Special Share Savings Accounts

One more unique thing that your credit union offers are special share savings accounts. You can save money for almost anything in these accounts and take advantage of the ease of payroll deduction.

Want a great idea? Just take your vehicle insurance premiums and divide that amount, which seems huge, into an equal weekly figure. Now sign up for payroll deduction deposited into a Special Share Savings Account and never worry about paying those insurance premiums again because the money has building up in your account and it's been earning dividends as well!

This is a super idea and it will work with almost any special project you can think of. We've listed a few below:

• Vacation cruise

• New shotgun

• New ring

• Children's education

• Homeowners insurance

• Down payment on a home

• Remodeling

• Backup savings account

• Bill payment

Let us set one up for you today, don't put it off. You'll be glad you did!

Share Certificates

Our Share Certificates offer members a way to earn higher dividends on larger account balances deposited for set periods.

• Minimum deposit of $1,000.00

• Differing maturities

• Dividends are paid at maturity

• Dividends are not paid on early withdrawals

• At times we offer JUMBO Share Certificates paying even higher dividends

Individual Retirement Accounts (IRA) Shares

We offer IRA's that meet your needs!

IRA's are the smart investment vehicle for your retirement. They provide a disciplined method of saving for the future. They also enjoy tax advantages, which allow your money to grow faster and greater than non-tax-advantage accounts.

• No minimum balance is required

• No monthly fees

• Contributions may be made in "lump sums" or by regular deposits to the IRA throughout the year

• Dividends are compounded and paid quarterly

Traditional IRA's are accounts that allow you to defer taxes on your earnings until they are withdrawn. Also, certain contributions may be tax deductible in the year they are made. Penalty-Free early withdrawals are possible for certain education expenses, first-home purchases and medical expenses. Consult your tax professional for applicable laws.

The Roth IRA is an account that features tax-free withdrawals for certain distribution reasons after a five-year* holding period. Since Roth IRA contributions are non-deductible and taxed in the year they are earned, members who expect to be in a higher tax bracket when they retire may benefit more from a Roth IRA than from a Traditional IRA. Unlike the Traditional IRA, there is no requirement to begin taking distributions at age 70.
*Varies for IRAs converted to Roth IRAs.

The Education IRA is an account that features tax-free withdrawals for a child's higher education expenses. Contributions are non-deductible, therefore unlike the Traditional IRA, qualified distributions from an Education IRA are penalty free and tax-free.

VISA Check Cards

Maximize the purchasing power of your checking account with a Visa Debit Card, the card that works like a check. It is convenient and easy to use. Just present your card to the merchant, sign the receipt and go. There's no need to enter your PIN number. At gas stations, grocery stores, and dry cleaners, just select "credit" on the keypad and sign your receipt. The money is still deducted from your checking account. For locations where a PIN is required, simply enter it after you insert your card. This card can be used to make purchases, for travel, for entertainment, or use it as an ATM Card to withdraw cash from your checking account anywhere the Visa symbol is displayed. Retail purchases may be debit (pin) or credit (signature) based transactions. Either way, your purchase is deducted directly from your checking account. The Visa Debit Card is not a credit card so there will be no finance charges.

Christmas Club Accounts

Ho, Ho, Ho, will be here before you know it. Be prepared with a credit union Christmas Club account. Let us show you how to save a little each week out of your check to build up for the holiday season ahead.

Our Christmas Club Accounts feature a withdrawal period any time after October 1st each year. This means you may withdraw or transfer all or any part your Christmas Club Account balance any time between October 1st and December 31st with no hassle.

N.E.A.T. (Nucor Employee's Automated Teller)

Florence, SC Area: 665-7303
Outside Florence Area: 1-888-665-7303 (Toll Free)

You don't have to wait for "normal business hours" to make transfers or get account information. N.E.A.T. is open accessible 24-hours a day, seven days a week and there is absolutely no charge for this service. You can access N.E.A.T. from your touch tone phone. Contact the credit union to sign up for this free, easy, and convenient service.

Use N.E.A.T. to:

• Obtain current account balances

• Balance your checkbook

• Transfer funds between accounts

• Verify electronic deposits and payroll deposit amounts and dates

• Have funds mailed to your home