CHECKING

Share Draft Account
Fee Free Checking account.

VISA Check/Debit Card
Can be used as an ATM card or or you can use it like a credit card wherever VISA is accepted. The money for your transaction comes directly from your checking account so you pay no credit card interest and no credit card fees for using it. You can use it at any ATM machine in the Sum network and pay no surcharge! Click HERE for a list of Surcharge Free SUM ATMs.

Money Market Account
A limited transaction account that pays higher interest than share or share/draft accounts but allows you access to you funds immediately.

SAVINGS

Share Accounts
Regular savings account.

ATM Card
Can be used at any ATM machine worldwide. You can use it at any ATM machine in the SUM network and pay no surcharge! It is excellent for use as a Point of sale card, for example, in supermarkets and gas stations. Click HERE for a list of Surcharge Free SUM ATMs.

Christmas Club Account
An easy way to save for the holidays! Starting in October, you deposit from $2.00 to $25.00 per week and next October we send you a check, just in time for holiday shopping!

Term Share Certificates
When you have a little more money to invest, look at a certificate. Minimum deposit is $500.00 and you can select terms of from 6 months to 5 years. Because you agree to leave the money on deposit for a specific amount of time, we pay a higher interest rate. You may pay a penalty if you withdraw the money before maturity. Click HERE for a Savings Calculator.

Retirement Accounts
Term certificates or Individual Retirement Accounts (IRA) and Roth IRA accounts. These are opened to take advantage of a government program to allow you to save money without paying taxes on the interest earned until you withdraw it. It the case of IRA accounts, you may also receive a tax break in the year you make the deposit. Ask your tax advisor about this.

Courtesy Pay - Overdraft Protection

Overdraft protection for everyone! We cover your check up to an aggregate of $500.00 more than your deposit balance so long as you remain in "good standing" within the courtesy pay program. The program protects you from the embarrassment of a bounced check and provides you with greater flexibility in your finances. Please see our SERVICES section for complete details.

LOANS

New Auto Loans
Low cost financing for new vehicles with as little as nothing down and for terms of up to 5 years. Payment plans via direct deposit, payroll deduction and coupon book. Call for a pre-approval before you go shopping and get the best deal you can! Low cost life and disability available to protect your family. Click HERE for a Loan Calculator, click HERE to research new cars and prices!

There is no monthly fee, no minimum balance, no per item charge, in fact there are no monthly fees or service charges.

Used Auto Loans
Is it time to replace that old clunker? Call us first. Get pre-approved for a loan before you go looking! Terms of up to 5 years available and you can finance the full NADA retail value!

Click HERE for more information about used cars. Weekly, bi-weekly and monthly payment plans. Payment plans via direct deposit, payroll deduction and coupon book. Low cost life and disability insurance available to protect your family. Click HERE for a Loan Calculator.

When you join the credit union you must make an initial deposit of $25.00 in a share account. This makes you a member of the credit union. You must maintain this deposit for as long as you are a member. You will receive interest on your membership share at the regular share rate.

Enterprise and Filene FCU
Your credit union and Enterprise Car Sales working together have a great used car program. Enterprise selects the best 5% of its fleet of leased cars and makes them available to credit union members at or below Kelly Blue Book Value. You get a wide selection, a fair no haggle price, and extra 12 months/12,000 miles drivetrain warranty and a 7 day no hassle return policy! Click HERE to look at available inventory or find the nearest location.

Get pre-approved for a loan before you go looking! Terms of up to 5 years available and you can finance the full retail value! Weekly, bi-weekly and monthly payment plans. Payment plans via direct deposit, payroll deduction and coupon book. Low cost life and disability insurance available to protect your family.

Home Equity Credit Lines
A really low rate of Prime Plus Zero lets you borrow against the equity in your home for home improvement, bill consolidation, education or anything you may want! Interest may be tax deductible. If you are overwhelmed by you credit card payments, give us a call and let see if we can get you out of that hole and restore your peace of mind!

Personal Loans
When you need a small loan for that vacation, Christmas or just to pay that unexpected bill. Low cost and convenient.

MORTGAGES

First Mortgages
Complete mortgage services. Fixed, variable, first time homebuyer, less than perfect credit, purchases or refinances. We can help you with all of it! Give us a call for a pre-approval if you're looking to buy or for a refinance. Click HERE for a Mortgage Calculator.

INQUIRE ABOUT OUR GREAT GOVERNMENT LOANS!

- FHA/FHA 203K
- REVERSE MORTGAGES
- VA MORTGAGES
 

Mortgage products offered in partnership with Allanach Mortgage Group.

Broker's licenses MA# MB6033, NH# 5616, CT# 7160, RI# 20051935LB