Your Credit Union Share Products Free Services Plus Credit Union is a not-for-profit, member-owned financial Kids Plus Account: Individual Retirement Account (IRA): Plus Credit Union Internet Account Access organization that has been serving its members since 1952. Credit A minimum $5.00 deposit is required to open a Kids Plus We offer several accounts that will help you plan for the future. 24 hour access to your accounts. Go to www.pluscu.org to unions were founded on the philosophy of “people helping people”. Account for children up to age 18. This account is designed to • Traditional IRA apply for a loan, obtain balance information, transaction This directly relates to our unique common bond membership. Our encourage children to save. Dividends are paid monthly on the • Roth IRA history, perform transfers and make payments on your members consist mainly of union workers currently paying dues and average daily balance. You are allowed one (1) free withdrawal • Educational IRA loans. other employee groups as specified in our charter. (Please see our per month (see current fee schedule). Invest your funds in an IRA Savings and/or IRA Certificate. Contact your website, www.pluscu.org for a list of eligible membership groups.) tax advisor for help in determining which account is best for you. Online Bill Pay The employees of Plus Credit Union are union represented and Regular Share Savings Account: Unlimited online bill pay. Save time and money when you understand the specific needs of the Union Worker. Your Establishes membership and allows you to utilize all credit Holiday Club Account: pay your bills online. membership entitles your immediate family to join the credit union union services. There is a one time $5.00 opening fee and a Get a head start on the Holiday Season! Open this account anytime and share the same benefits. As a member of the credit union you $5.00 minimum balance required to retain credit union during the year with a minimum of $5.00 and make deposits into it as ATM, Visa Debit Cards, and have the privilege of voting for your Board of Directors (If you are 18 membership. You have 24 hour access to your money with an often as you like. Dividends are paid monthly and after September 30th Vacation Account ATM Cards years or over). Once you are a member, you are always a member. ATM card and online banking. Ready Credit available upon the entire balance will be automatically transferred to your Regular Share All Plus ATM transactions are FREE. See reverse for Even if you leave the organization that you were eligible to join approval.* Dividends are paid monthly based on an average Savings Account. You may withdraw funds only after this date without a locations and availability. For free Co-Op ATM locations call through, you will not have to close your account. Members invest daily balance of $500.00 or more. dividend penalty. If funds are withdrawn before September 30th your 1-888-748-3266 or log on www.co-opnetwork.org. their savings in the form of shares. These shares pay dividends Holiday Club Account funds will be transferred and your account will based on the success of the credit union’s operation. A credit union Money Market Plus Account: close. NOTE: If you use an automated teller machine that is not generates income by investing share deposits in member loans at This higher interest yielding savings account requires a operated by Plus Credit Union, you may be charged a fee competitive interest rates. minimum balance of $2,500.00. Higher interest rates are based First Class Club: by the operator of the machine and/or an automated on the average daily balance and a four tiered system. If this If you are age 55 or older you qualify for the First Class Club. First Class transfer network. Plus Credit Union is insured by American Share Insurance (ASI), share account drops below minimum daily balance, there will Club members with a Member Checking account may receive no monthly the nation’s largest private insurer of credit union deposits. We be a $7.50 service fee charged. You are allowed six (6) free checking service fee (see Member Checking Account for qualifications). Plus Phone (Automated System) maintain the standard insurance which insures a member’s balance withdrawals per month. (see fee schedule). To receive the following additional benefits you must maintain a minimum Perform many transactions from balance and transaction up to $250,000. No member of an ASI insured credit union has ever average daily balance of $2,500.00 in a Regular Shares (savings) history inquiries to transfers and payments. The Plus Phone lost a penny of savings. This institution is not federally insured and Student Checking Account: Account and have direct deposit: may be accessed by calling (702) 438-6831. if this institution fails, the Federal Government does not guarantee This non-interest bearing checking account requires no • Complimentary designated checks (limited to 1 free box per year) that depositors will get their money back. If you have any questions, minimum balance**. The Teen Checking Account for young • Free Bill Pay Mobile Banking please call American Share Insurance at (800) 521-6342. adults 16-18 is designed to encourage teens to develop good • Free Money Orders Access your account from a variety of mobile devices financial habits with budgeting, saving, and decision making. • Free Corporate Checks including iPhone, Android, Blackberry and others. You are • 10 Free Photocopies per month able to access Account Balances, obtain Transaction Member Checking Account: History, Transfer Funds, and Locate an ATM. Interest bearing checking account. Dividends are paid monthly Term Share Certificates: based on an average daily balance of $1,000.00 or more. These accounts are great for a higher return. Dividends are paid on the There is a $25.00 minimum deposit for this account. You have average daily balance and may be deposited into the certificate or into a Additional Services 24 hour access to your money with a Visa Debit and online separate savings account. Early withdrawals from term share certificates banking. Ready Credit available upon approval. * Maintaining a will result in a penalty. Automatic Plus Visa Payments daily checking account average of $500.00 or more and having Direct Deposit Accepted/Payroll Deduction direct deposit waives the $10.00 monthly service fee. There are Special Loan Information also bonuses to having a member checking account. If you Notary Service maintain an average daily balance in a checking account of Wire Transfer (incoming & outgoing) Loan Products Corporate Checks $500.00 or more, an average daily savings balance of Money Orders Applying for a loan has never been easier! You may apply for a $2500.00 or more and have direct deposit, you will receive free Night Depository consumer loan, home equity loan and a Visa Card 24 hours a day money orders, and free corporate checks. Loans Contractor Vacation Accounts online at www.pluscu.org, at your neighborhood Plus Credit Union New and Used Vehicle Loans Boat & Recreational Vehicles, Aflac branch, or call to apply for a loan during normal business hours at Essentials Checking Account: First Mortgage & Home Equity, Land & Construction Loans, Credit Union Direct Lending (CUDL) (702) 871-4746. This non-interest bearing checking account requires no Personal Loans, Share or Certificate Secured Ready Credit (overdraft - Apply for an auto loan right at the dealership. minimum balance**. There is no monthly service fee you have protection/line of credit) and VISA (no annual fee) Platinum, Gold, For your convenience, we offer several payment options: 24 hour access to your money with a Visa Debit Card and Classic, Secured, Student, Classic Teen weekly, bi-weekly, monthly, automatic payment transfer, and online banking. Ready Credit available upon approval.* Credit Life/Credit Disability Payment Protection extended terms to match your budget and lifestyle. We value your Mechanical Repair Coverage (MRC) business and are committed to giving you the best service possible. Integrity Checking Account: Guaranteed Auto Protection Insurance (GAP) Debit Card Restrictions This non-interest bearing checking account requires no minimum balance**. There is a $10.00 monthly service fee for * Ready Credit (line of credit is available up to $10,000.00 upon • $500 Transaction Limit Per Day the first 12 months. Ready Credit available upon approval*. approval). Increments of $100.00 (or available balance) will be • Contact Member Services for overseas blocked countries The Integrity Checking Account is an alternative checking transferred into checking account to cover the transaction. • Debit card can not be used for Rent A Car transactions account for members who may have been denied a checking ** A minimum balance of $5.00 is required in a Regular Share Savings including U-Haul purchases and services. account in the past. Account in order to maintain any full member account. • If your ATM/Debit Card is not used within a 7 month period it will be deactivated. Excessive Monthly Withdrawal Fees Fee Schedule BRANCH LOCATION Kids Plus Account (After 1) $10.00 each Regular Share Savings (After 5) $10.00 each 1900 S Jones Blvd. Abandoned Account Dormant Fees $5.00 per month Money Market Plus Account (After 6) $10.00 each Las Vegas, NV 89146 (after 24 months) IRA Closure $25.00 ATM LOCATIONS Account Activity Printout $2.00 per page Fax Service $3.00 first page Account Closed Documents or Pages Faxed $1.00 add. pages Plus Credit Union Branch – 24 hour access (2) Before 90 days (Savings) $10.00 Letter Providing Account Information $15.00 Plus Credit Union ATM Before 90 days (Checking) $30.00 Build Union.