Mountain River Credit Union

SEPTEMBER 8, 2010

Newsletter

OTHER LINKS

Call Jenny or Carol at 539-2968 to sign up for home banking. Its fast, easy, safe and convenient.

DEPOSIT ACCOUNTS

Membership Savings Account - Excellent interest rates and a $2,000 Accidental Death and Dismemberment Insurance benefit for each member. $25.00 minimum balance.

This is a variable rate account. The dividend rate and annual percentage yield may change quarterly as determined by the Board of Directors.

To earn the annual percentage yield disclosed, you must maintain a minimum average daily balance of $100.00 in your account for the dividend period.

Ask for a copy of the Membership and Account Agreement and Truth-In-Savings Disclosure for complete details.
Certificates of Deposit - Three tiers of rates are offered, with the lowest opening deposit of $500.00 Early withdrawal penalities apply on all CDs.

Money Market Accounts - Three tiers of rates, so you can earn more interest. The minimum balance to open an account is $2,000. If your balance drops below $2,000 during the month, an $8.00 service charge will apply. See our rate schedule for current rates.

Traditional IRAs - Open a Money Market IRA with as little as $100 and add to it monthly, or open a Certificate of Deposit IRA with a 1 to 5 year term. The interest rates are the same as our money market account and certificate rates (at the highest tier rate for CDs).

Christmas Club Accounts - Get a jump start on Christmas this year. Minimum opening balance is just $25.00. Interest is paid on October 31st.

Checking Account - Choose from Free Checking or Checking with Interest. Both checking accounts come with the following:
- Unlimited Check Writing
- Overdraft Protection from your savings account or approved line of credit to help you avoid NSF charges. See our Current Loan Rates.
- A FREE VISA Check Card. This card is a convenient alternative to using a checkbook. It can be used anywhere VISA debit cards are accepted, and it can access ATM machines.
- No finance charges.
  No transaction fee for purchases.
  Accepted by merchants worldwide.
- Surcharge Free ATMs Nationwide - We are part of the Allpoint ATM Network. Check out the location of the free 32,000 ATMs at www.allpointnetwork.com.
- Pulse Pay - Use your VISA Check Card to get cash back from select merchants...at no charge. Eliminate a visit to the ATM and save time.

LOST YOUR DEBIT CARD? CALL 1-800-247-4222 TO BLOCK FUTURE CHARGES.

LOAN PRODUCTS

Home Mortgages - We offer 10-30 year fixed or variable rate loans, at very competitive rates. Stop for a consultation on which loan is best for you.

Variable Rate Home Equity Lines of Credit - You will receive a check book to write checks directly from your loan account. Interest rates vary and start at the Wall Street Journal Prime rate and depend on credit worthiness. For qualified borrowers, the monthly payment is interest only for the first five years.

Fixed Rate First and Second Mortgage Loans - Rates start below the Wall Street Journal Prime for qualified borrowers. Terms range from 4 - 10 years. You'll have peace of mind, knowing that your payment and rate will not change for the term of the loan.

Share Secured Loans - Borrow on the security of your Credit Union shares, and get terrific rates. See our Current Loan Rates.

RV, Boat, Motorcycle and ATV Loans - Looking to purchase a toy? Give us a call.

Personal Loans - Unsecured loan limits depend on your credit score, income and length of employment. Ask about our Open-end Lending Plan to have a line of credit set up to meet your borrowing needs.

OTHER SERVICES

Direct Deposit - The safe and secure way to have your money deposited directly into your savings account.
VISA Gift Cards - The perfect gift for any season or occassion. Choose from various styles with balances from $10 to $500. $3.00 charge per card.

This credit union is federally insured
by the National Credit Union Administration.