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| On-Line Banking | EOCCU@HOME To access your account via the Internet, you must apply for a password and ID, by contacting the Credit Union Main Office. You must be using two or more services to qualify. Click Here to view the application form and print it. This form must be signed and mailed back to the Credit Union.
After receiving confirmation by e-mail, you can link to the following web site:
https://imtpol.com/eoccu
The Web Site is very easy to use with prompting, self-explanatory entries, as well as a HELP section. You can also link from the links bar to the left.
E-Statements - Attention all EOCCU@Home members!
You can now receive your Credit Union statements through the on-line web-site. Sign up is simple – while in the EOCCU@Home site, Click on the drop down menu of “E-Statement”.
Click on the “E-Statement Sign-up”, follow the instructions and you will be able to view your statements even faster. You will receive E-mails notifying you when the statement is available to look at.
If you have questions about the procedures, please don't hesitate to contact the Credit Union office. |
CHURCH ACCOUNTS   There are many benefits for bringing your church or church organization accounts to the Credit Union. The following are just a few:
Deposits at Key Bank branches - Deposits can be made at your local Key Bank directly into your Credit Union account, using our deposit slips and we furnish the deposit stamp. Contact the CU to be set up for this service.
Free Checking - Maintain a minimum balance of $25 in the Share Draft (checking) account and you avoid all service fees, and even earn dividends on all balances over $100.
Variable Rate Share Accounts -A non-term account, similar to a Money Market, that offers rates higher than pass-book savings without maturity dates. Minimum deposit is $10,000, and some rules/fees may apply. See Savings Rates web page.
Certificates of Deposit - Better than market rates and special rates for amounts over $25,000.
Church Loans and 1st Mortgages on parsonages. Finance your parsonage purchase or use the equity in the parsonage to repair sanctuary, roof, parking lot, heating, air conditioning, plumbing, electrical and etc. |
Share Draft (Checking) Accounts  Our Share Draft accounts (checking), offer you the savings and convenience you need to manage your personal day-to-day financial affairs.
No Minimum Balance is required, even for church accounts. However, there is a one-time per month service fee of $8 for an account balance below zero at any end-of-day during the month.
Direct Deposit of net pay, pensions or Social Security.
Dividends (interest) paid on accounts with $100 or more.
Courtesy Overdraft Privilege credit lines of $300, automatically on all eligible Share Draft accounts, unless you "Opt Out". Contact the CU office to get registered. Courtesy Overdraft Privilege, a non-contractual service to cover your personal checks to a limit of $300.00, became effective Oct. 2, 2006. This is the "safety net" that you may need to avoid the embarrassment of having your personal checks rejected. A service for which you are never charged - unless you use it. Then a per item service fee of $24.00 allows your check to be "covered" and you avoid the NSF fee from your vendor/payee. For Disclosures Click Here. Notice: See the Home Page for important information about "Opting-In" to keep your full ODP Service, after Aug. 15, 2010.
Overdraw Accounts may be linked to checking to cover unexpected clearings. Overdraw accounts must be authorized by the member.
Monthly Statements show complete checking activity, including electronic funds deposits, ATM and Debit Card entries. EOCCU@Home - if you are registered for on-line banking, you may view your monthly statements on-line and not be sent the mailed version.
Share Draft Disclosures - click here to get the latest disclosure of terms, fees etc.
Funds Availability - Deposited funds may have holds placed on them for various reasons. Click the underline words to see our disclosure.
ATM or Debit Cards are available to access the checking balance, make purchases, etc. Seven (7) cash withdrawals per month are free.
Maximum cash withdrawals per day, per card is $200.00.
Maximum purchases with the Debit Card per day, per card is $500.00 (call Robin at the Credit Union, ext. 128 or e-mail her at rchappell@eoccu.org , before attempting purchases in excess of $500.00). Approvals can be made immediately over the phone for network updating.
For STAR machine locations click STAR ATM in the links section on the left hand side to find ATM locations anywhere in the USA for STAR.
"Surcharge Free" ATM machines can be located by clicking on the ATM No Surcharge link on the left hand side of this page.
For ATM/Debit Card Disclosure information click here.
International Transaction Fees - Click here to see the disclosure on fees charged when the cards are used in foreign countries to cover the currency conversion costs.
Alert! ATM and Debit Cards are not allowed in certain foreign countries. Click here for list. |
SHARE / SAVINGS SERVICES  The Credit Union offers a variety of savings and investment accounts with highly competitive rates of return, such as:
Regular Share Accounts - Required Membership account that pays passbook savings rates. Minimum deposit $25.
Special Share Accounts - Passbook type savings for "special" designation, such as vacation, taxes, etc. You decide the name of the account.
Share Draft Accounts - Checking accounts that require only a $25 deposit to open, and a positive balance to avoid service fees. Dividends paid on $100 or more. See "Share Draft (Checking) Accounts" Section on this page.
Share Certificates - Certificates of deposit with fixed term maturities with higher yields. (See Share Certificate Disclosures by clicking the "Disclosures" link at the bottom of the page).
Individual Retirement Accounts (IRA) - Traditional, Roth and Coverdell Education Savings. See additional information in column to right. An annual fee of only $7.50 (to cover administrative reporting), is required along with a closing/reporting fee. Contact Lori at x104.
Variable Rate Share Account - For church and church related organizations, this is similar to a Money Market with a minimum balance of $10,000. Funds are liquid but have a few restrictions. See Church Accounts section, above and Savings Rates web page.
Christmas Club -Special savings with limited withdrawals and high rates; disbursed on or about Oct. 25th each year.
Share Accounts Disclosures - Click here for required disclosures on savings instruments. |
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LENDING SERVICES  The Credit Union offers a variety of lending services, such as:
New and Used Vehicle Loans - 100% financing with terms that can beat dealership 0% financing.
First Mortgages - Conventional lending of 80% of the appraised value; low fees and quick closing.
2nd Mortgages/Home Improvement and Insurance-Backed Real Estate Loans - A loan to fit your particular situation, up to 15 Years. Low fees.
Land/Lot Loans - Finance up to 80% on improved property.
Mobile Homes - Finance up to 15 years at mortgage type rates.
RV's/Motor Homes/Boats/Cycles - Financing similar to vehicle loans.
Church Loans - Secured or unsecured loans for vehicles, property repairs, equipment, etc.
Share Secured Loans - Lowest rate loans using your savings as the security. Immediate dispersals.
Signature Loans - Unsecured loans up to 60 months not requiring collateral.
Bill/Debt Consolidation Loans - Consolidate bills for a lower interest rate and lower monthly payment.
Student Loans - Government sponsored Student Loans at mandated national rates through Great Lakes Higher Education Guaranty Corp. Contact Lori at x104, or e-mail from address on Home Page.
Notice: Loan applications will require an application fee of $5 and a pledge of shares of $100 for the life of the loan and a $10 lien fee, if applicable. Real estate loans require an Origination Fee of $250 and may have several fees such as appraisal, lien searches, filing fees, etc. applied at closing. Contact the Credit Union for more details.
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VISA Credit Card Services  The Credit Union VISA card costs less to get and less to own.
No Annual Fee
6-months introductory rate of 6.9% . Finance Charge rates are variable and subject to change periodically. A minimu of 30 days notice will be given before any rates are changed.
VISA Risk-Based Lending became effective 8/29/06. Click Here to see the rate schedule.
25 day grace period to pay off entire balance without incurring a finance charge.
Low minimum payments of $25 or 3% of balance, whichever is greater.
Cash Advances available from any institution or ATM displaying the VISA logo. A small fee will be charged - see VISA Disclosure.
Acceptance worldwide.
Free Travel Insurance up to $250,000 when you purchase tickets from common carriers and charge to your VISA card.
Credit Life and Credit Disability Insurance is offered at your option. You can enroll at anytime. Contact Sharon at x150.
Convenient Payment Methods directly to VISA, to the Credit Union, on-line or automatic payments from your checking or savings.
Credit Card Disclosure information can be obtained by contacting the Credit Union, by phone, fax or "Contact Us" on this web site; or Click Here for online disclosure.
Rewards Program that earns points for every dollar of qualifying purchases. Points can be redeemed for merchandise and/or travel awards. Visit www.scorecardrewards.com to see how many points you already have earned since Feb. 1, 2004.
International Transaction Fees - click here to see the disclosure on fees charged for transactions made in foreign countries to handle the currency conversion costs. Verified by VISA  If you make purchases on the internet (online) , you MUST sign up for Verified by VISA. Go to www.visa.com/verified to register. You will be given a password that will give your online purchases added safety.INSURANCES 
Sentry Insurance (Auto and Homeowners). Contact our representative, Crystal Alberts at 330-920-8585, or e-mail Crystal.Alberts@Sentry.com . Also, visit their web-site at www.sentry.com.
We offer Credit Life Insurance and Credit Disability Insurance at the members' option on VISA and all loans except mortgages.
Notary Services are provided for the membership, free of charge.
Depository Insurance: The Credit Union deposits are protected to $250,000.00 by American Share Insurance (ASI) , the largest private insurer of deposits in the country. All individual savings accounts (Regular Shares, Share Drafts, Certificates, IRA's or Variable Rate Accounts) are protected to $250,000 each. Click on the ASI web site in the links bar, for more information.
This institution is not federally insured. Member accounts are not insured or guaranteed by any government or government-sponsored agency. Debit Card - MasterMoney Debit: 
Register Now! On-line protection through MasterCard SecureCode. After January, 2005 holders of MastMoney Debit Cards will be required to sign up for MasterCard SecureCode before making an internet on-line purchase. This is a FREE on-line security service to help guard against unauthorized use of your Debit Card. To be sure you can access the web-site that will be used, go to:
http://www.mastercard.com/securecd/welcome.do Insert the CU name East OH United Methodist Credit Union, and hit enter. You will be prompted through registration.
After Jan. 5, 2005, when you shop on-line at a participating merchant, a window will appear asking you to confirm your identity and create a personal SecureCode. Once enrolled, you can enjoy added peace of mind when you shop on-line.
Notification of Lost or Stolen Cards: If you believe any of your cards have been lost or stolen, or that unauthorized transactions have been or may be made on your account, call:
During office hours, 8:30 - 4:30 Monday-Friday 330-499-3972, ext. 128 / 800-831-3972, ext. 128
After hours, weekends and holidays: 1-800-523-4175
Or write to us at: East Ohio United Methodist Conference Credit Union, 8800 Cleveland Ave. NW / P.O. Box 2800, North Canton, OH 44720
Alert! ATM and Debit Cards are not allowed in certain foreign countries. Click here for list. IRA Accounts Your Credit Union carries all of the various IRA accounts to meet your individual needs: 1) Traditional IRA, 2) Roth IRA, and 3) Education (Coverdell Education Savings Accounts - ESA). Contact Lori Thrasher at ext. 104, or e-mail lthrasher@eoccu.org for further information on your IRA account.
One of the most often asked questions is whether to save with a Traditional or a Roth IRA. The following are "rule-of-thumb" answers:
- Choose a Roth IRA if you don't need the tax break right now. It's a more flexible investment because, a) You can withdraw regular contributions at any time, tax-free and penalty-free; and b) You do not have to take mandatory distributions at age 70 1/2.
- Choose a Traditional IRA if you want the tax deduction right now. It also makes sense if you anticipate paying taxes at a significantly lower rate in retirement.
- Coverdell ESA's offer tax-free distributions and, unlike section 529 Plans, can be used for elementary and high school expenses at most public, private and parochial schools.
A Full disclosure document is enclosed to list the annual and closing fees and the current rates and APY (Annual Percentage Yield) for the IRA certificates. Click Here.
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