Services

Services

*You must be a member with a $10 share (savings) account to enjoy any of our services.

On-line Bill Pay

Pay your bills such as utilities, credit cards, mortgage loans, vehicle loans, etc; from your Share Draft (checking) account on the on-line banking site.  Stop by the office for additional information.

Toll Free Number

Out of the local phone system?  Members Choice Credit Union Inc now has a Toll Free Number - 866-548-0360.  This number will be answered whenever the office is open.  If the office is closed, leave a message on the answering machine.

On-line Banking

Access account balances, pay bills on-line, print monthly statements, review previous 6 month history on all accounts, transfer money to and from accounts, and apply for loans.

Audio Response Phone System

Need to find out information about your accounts? The Audio Response Phone System allows you 24 hour / 7 day per week access to your information. Follow the instructions given by the recording to access your personal account information, Credit Union general information, and current savings and loan rates. The system can also calculate loan payments. You provide the amount you would like to pay per month to find the total loan amount available, or provide the total loan amount needed to find the monthly payments. It will also accept loan applications. If you need more information or have forgotten your PIN number, call main office at (937)548-0360.

No Fee ATM Machine

All ATM machines with the STAR logo are accessible by our members. There is a machine at our main office, Pine Street, that can be used without a fee by members.

Monthly Deals

Each month special rates are given for certain loans and/or share accounts.

Share Products

*Regular Saving Accounts: No maintenance fee; $10 deposit to open the account. *Share Draft (checking) Accounts: No monthly fee or limits. Debit Card and Overdraft Line of Credit available to qualified members. *IRA Share Accounts: Start new accounts if qualified, or transfer, or roll-over. *Regular IRA Share Accounts *Roth Share IRA Accounts *Coverdell (education) Share IRA Accounts *SEP Share Accounts *Share Certificate of Deposit: Terms of 90 day; 120 day; 6 - 12 - 18 - 24 - 30 - 36 months *Christmas Club Share Accounts: Transfers into share account the first of October. *Stash Share Accounts: Transfers into share account in January and July. * Vacation Share Accounts: Transfers into share account the first of June.

Loan Products

*Vehicle Loans: New and used vehicles with terms from 12 to 72 months *Recreational Vehicles: Boats, motorcycles, riding lawn mowers, RV's campers, trailers, motor homes *First Mortgage: Refinance or purchase with fixed rate *Home Equity: Remodel or additions with fixed rate *Line of Credit: Gives you the option to borrow and repay without new applications *PayDay Loans: Borrow against your next paycheck *VISA Credit Cards: No annual fee, low interest rate, cash advances & transfers

Other Services

*Money Orders *Payroll Deduction *ACH - Automatic Clearing House Direct Deposits and Withdrawals *Wire Transfers - Incoming and Outgoing *VISA Gift Cards (see NEWS tab for details) *GAP Insurance