Loans	Savings	Certificates	Checking Accounts
ATM/Debit Cards	MasterCard	Home Banking	VAL 24-Hr. Phone Banking
Direct Deposit, Net Pay & Payroll Deduction	Automatic Bill Payment (EFT)	Home Equity & Mortgage Loans	Special Services-Retirees, Early Bird Kids & Teen Savers
Online Loan Application	VISA Gift Cards	Indirect Auto Financing	Timesaving Services

SHARE SAVINGS ACCOUNTS 

Valley State offers a variety of savings accounts to help you meet your specific savings goals.  For rates, click on the icon below.  You may also call us at 989-793-5943 or toll-free 888-504-7999. *Prime Shares (regular savings) *Share 99 and Vacation Club Accounts These accounts allow you to deposit funds separate from your Prime Shares.   *Christmas Club Funds payable November 1 of each year. Your funds are transferred to your checking or savings. The account can be opened at any time during the year. *Money Market Shares A high-yield savings account *Individual Retirement Accounts -Traditional, Roth & Coverdell (Education) IRA Certificates are also available.   YOUTH SAVINGS PROGRAMS *Early Bird Credit Union Kids Savings Team A savings plan for children between the ages of three and twelve.  Click on our "CHILDREN & TEENS" page for interesting ways to teach youngsters to become "fiscally fit." *Teen Savers Savings programs and services for teens 13 to 18.  Your kids can check out "CreditUnionsRock.com" on our links page or go to "Children & Teens." *Youth Certificates - Please click on the RATES icon below for rates and information Rates

CERTIFICATES OF DEPOSIT
*Terms of 6 months to 60 months
*Regular, IRA and Youth certificates available
*Rate remains the same for the entire term even if rates go down.
*No handling or maintenance fees (penalty may be imposed for early withdrawal)  

• Rates

SHAREDRAFT CHECKING ACCOUNTS

Valley State offers checking account plans with lots of benefits to qualifying members.  You save money as there are no monthly service fees, no per check fees, and no minimum balance requirements to tie up your cash. A MasterCard MasterMoney debit card is available, and overdraft protection options can be pre-arranged.  You save time because conducting transactions and easy monitoring of your accounts can be handled with no fees or charges through VAL (telephone banking) and Internet home banking.  And, you can use your account YOUR WAY.  You can write a check, swipe your debit card, or set up automatic withdrawals for recurring bills.  Special checking account programs for retirees are available.  Just scroll down this page to Special Services for Children, Teens & Retirees.

*You can conveniently re-order through the Internet by clicking here.   

                                   

Schedule of Fees

• Our loan program provides affordability and convenience
• Loans for any provident and productive purpose
• Quick approval process
• Pre-Approved loan available
• Payment can be made through convenient automatic transfer, if desired 
  Loans are available for:
  New/Used Autos * All-Terrain Vehicles * Snowmobiles * Personal Watercraft * Home Improvement * Interior Decorating * Landscaping * Debt Consolidation * Boats * RVs * Motorcycles * Furniture/Appliances * Farm/Lawn/Garden Equipment * Weddings * Vacations * Tuition * Computers/Electronics * Almost anything!
  
  
• Rates

*Mortgages and home equity loans available *Competitive rates and terms *Automatic payment transfer, if desired. Please contact us for rates and product availability by calling 989-793-5943, or feel free to stop in.

OVERDRAFT PROTECTION LINE OF CREDIT PLAN *Covers you in the event you happen to overdraw your Prime Shares   or sharedraft checking account.   *Automatic notice that a loan has been generated *Monthly payments can be made through convenient automatic transfer,   or you can call  us or use VAL   to transfer to pay off the balance Rates

 

INDIRECT AUTO FINANCING PROGRAM 
*Finance your new or used vehicle right at your dealership.
*Same-day approval in most cases.
*Just tell your dealer you want financing with Valley State Employees Credit Union. 
*On-site relationships with these reputable dealers:

MASTERCARD  
Gold MasterCard and Classic MasterCard options are available.  The Gold card offers a lower interest rate.  The Classic has a slightly higher rate but offers ScoreCard bonus points for merchandise and travel.  Give us a call or stop in to find out which card best suits your needs.

*Worldwide acceptance *Low fixed interest rate (please call us for details) *No Annual Fee *25-day grace period on purchases *Free travel accident insurance *Cash advance capabilities with no credit union cash advance fees *Easy transfer of other credit card balances to your VSE MasterCard - no transfer fees *Automatic payment from your VSE checking or savings account (one-time payment option also available on the ezCardinfo web site) *SCORECARD bonus points toward free gifts and travel (Classic MasterCard only) *MasterCard SecureCode registration lets you protect your online purchases with a code ONLY you know Gold and Classic MasterCard Disclosure Information

 

VISA GIFT CARDS

The perfect gift for any occasion.  Available in amounts from $10 to $500.

SPECIAL SERVICES FOR CHILDREN, TEENS, AND RETIREES
Early Bird Kids Savings Team
*A FUN savings program for kids 12 and under

*Children learn how to save and manage money

*A child can have his/her own savings account and receive a special member identification card and savings passbook, a quarter-saver, coloring book and crayons, and other fun items.  

*A "reward" is given each time at least $5 is deposited.

Click here to go to the Early Bird Kids Club page for fun, information and games.
Teen Savers
*A program emphasizing financial management skills for teens between the ages of 13 to 18.  
*Report Card Rewards program (October 20 through June 20): $1 for each "A" on the teen's report card (up to $5.00 per report card) is deposited into his/her Prime Shares account.  Your teen must bring his or her report card into our office IN PERSON to receive their reward.  Call or stop in for more details.

Retirees
Select from one of two great programs:
  Valley Rewards:     *No monthly fee checking
                                 *No per check charge
                                 *No minimum balance required
                                 *Free check imprinting (one box of stylish "Valley Rewards" checks per order)
                                 *FREE VAL and VSE Home Banking to help you monitor your account and conduct transactions
                                 *Overdraft check protection through a line of credit loan plan or automatic transfer from your savings account
                                 *Carbonless copy of all checks.
Valley Rewards Plus: (requires Direct Deposit of Retirement or Social Security Benefits). Provides all the benefits of the Valley Rewards program PLUS reimbursement
of annual AARP dues (receipt of proof of payment or membership fee bill required) 

VSE HOME BANKING Access your accounts 24 hours a day, seven days week using your computer.  VSE Home Banking allows you to conduct various transactions from your home or office, or anywhere you have Internet access.  Now you can manage your accounts on your own time.  Just click  VSE HOME BANKING       Home Banking Disclosure

The Payments Authority - THE "ONLINE SIGN-UP" BILL PAYMENT PROGRAM

Through The Payments Authority, you can authorize a company to deduct money from your checking or savings account in order to pay a monthly or otherwise "recurring bill."  No more writing monthly checks or buying postage stamps.  If the businesses or merchants you want to pay aren't on the list yet, you may still be able to use direct payment by calling them to find out if they are "originators" and if they participate in direct payment through the Automated Clearing House program.  If they do, they can provide instructions to you for direct payment.  Just click here to go to The Payments Authority web site.

MEMBERS' FINANCIAL NETWORK

The personal attention and experience of a professional representative can help you manage your financial future. No cost, no obligation. Just click on the icon for a wealth of information from a qualified source.

 

 

VAL (VALLEY'S AUDIO LINE) AUDIO RESPONSE SYSTEM (Telephone Banking)
With VAL, you can check your balances, make transfers between accounts, transfer your loan payments, inquire about transactions on any of your accounts and find out which checks have cleared.  And, it won't cost you a cent!  There are no transaction or long distance telephone fees.  Signing up is easy!  Just give us a call for details and a disclosure.

 

ATM/DEBIT CARDS You may choose an ATM card or a Debit/ATM card for your account.   Our ATM card offers safety and convenience, enabling you to conduct POS (point-of-sale) transactions and deposit and withdraw funds from your savings or checking account 24 hours a day, 7 days a week.  You can also transfer funds from your savings to your checking and vice versa.  The card can be used at thousands of locations across the nation.   An ATM/Debit card allows the same features described above but in addition, offers the following:  *Accepted anywhere you see the MasterCard logo.    *Debits automatically come out of your checking account.     *Sign for transactions instead of using a pin.    *Unlimited debit transactions-these transactions are always free!    *Daily use limits up to $500.00 (if available).    *Save time and money by writing fewer checks.   Find a surcharge-free ATM

 

PAYROLL DEDUCTION, DIRECT DEPOSIT AND NET PAY
With free, time-saving Direct Deposit and Net Pay, you can have your regular recurring check deposited directly into your credit union accounts.  This includes payroll, Social Security, pension or other checks you receive on a regular basis.  In addition, you can have your funds disbursed to a variety of accounts (IRA,Christmas Club, Vacation or Checking, Savings, etc.).  Payroll Deduction allows you to automatically have a portion of your paycheck deposited into your credit union accounts every pay day.  This is a convenient way to save money and/or pay back loans automatically.  There are no fees associated with payroll deduction.

OTHER TIME SAVING SERVICES

Call us at 989-793-5943, toll free 888-504-7999, stop in or e-mail us at mail@valleystatecu.org for more information on any of these great services.  Service from your credit union is quick, easy and friendly - it's "Where You Belong."

*After-hours Message Service (Saginaw office) *Auto & homeowners insurance through AAA & others *Automatic Bill Payment Plan *Cashier Checks *Credit life, disability, cancer and AD&D insurance plans *Deposits by Mail *Drive-up Window (Saginaw Office) *Family Group Life Insurance - Term and Whole Life *Family Legal Services Plan *Guaranteed Asset Protection ("GAP") Insurance

*Loan Skip-A-Payment Program (Sept.-Jan.) *MasterCard Skip-A-Payment (January) *Money Orders *NADA & Redbook Car Pricing Guides *Night Depository (Saginaw Office) *Notary Public Service *Sam's Club Memberships *Telephone Withdrawal Service *Toll-free Telephone Service (Saginaw Office) *Withdrawals by Mail and Telephone

 

Valley State Employees Credit Union
2686 McLeod Dr. North
Saginaw, Michigan 48603
989.793.5943
Fax: 989.793.4321
mail@valleystatecu.org