{"id":3154,"date":"2016-07-03T12:52:07","date_gmt":"2016-07-03T12:52:07","guid":{"rendered":"http:\/\/www.credituniondemo.com\/creditunion\/commonwealth\/?page_id=12"},"modified":"2016-07-03T12:52:07","modified_gmt":"2016-07-03T12:52:07","slug":"products-services","status":"publish","type":"page","link":"https:\/\/www.lmefcu.net\/?page_id=3154","title":{"rendered":"Products &#038; Services"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row css=&#8221;.vc_custom_1472922801668{margin-top: 20px !important;padding-right: -10px !important;padding-left: -10px !important;}&#8221;][vc_column][vc_row_inner css=&#8221;.vc_custom_1472923573062{border-bottom-width: -10px !important;background-color: #77c9d4 !important;}&#8221;][vc_column_inner]<div class=\"title-outer pos_lefttitle_text \"  style=\"border-bottom: none;\"><h3 style=\"color: #ffffff; text-transform: none;font-size: 16px;\">Products &amp; Services<\/h3><\/div>[\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=&#8221;cd_rates&#8221; css=&#8221;.vc_custom_1472923918742{padding-top: 10px !important;padding-right: 10px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #77c9d4 !important;}&#8221;][vc_column_inner css=&#8221;.vc_custom_1472961376779{margin-top: -30px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1475203761239{margin-left: -10px !important;border-right-width: -10px !important;padding-top: 20px !important;padding-right: 10px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #ffffff !important;border-radius: 1px !important;}&#8221;]<strong><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-430 size-full\" src=\"https:\/\/www.lmefcu.net\/wp-content\/uploads\/2016\/07\/Growing_your_money.jpg\" width=\"450\" height=\"363\" \/>Regular Savings Accounts<\/strong><\/p>\n<ul>\n<li>No maintenance fee.<\/li>\n<li>Minimum balance: $25<\/li>\n<li>No notice required for withdrawal<\/li>\n<li>Interest earned from day of deposit to day of withdrawal<\/li>\n<li>Dividend paid monthly<\/li>\n<\/ul>\n<p><strong>Share Draft Accounts<\/strong><\/p>\n<ul>\n<li>No maintenance fee.<\/li>\n<li>No\u00a0minimum balance.<\/li>\n<li>No notice required for withdrawal<\/li>\n<\/ul>\n<p><strong>Christmas Clubs<\/strong><\/p>\n<ul>\n<li>Start anytime- checks are issued October 1 each year<\/li>\n<li>Dividend paid monthly<\/li>\n<\/ul>\n<p><strong>Vacation Clubs<\/strong><\/p>\n<ul>\n<li>Start anytime- checks are issued April 1 each year<\/li>\n<li>Dividend paid monthly<\/li>\n<\/ul>\n<p><strong>Certificates of Deposit<\/strong><\/p>\n<ul>\n<li>$1,000 minimum deposit required<\/li>\n<li>Guaranteed interest for terms ranging from 6 months to\u00a048 months<\/li>\n<li>Dividends paid monthly<\/li>\n<li>May be subject to early withdrawal penalties<\/li>\n<\/ul>\n<p><strong>Money Markets<\/strong><\/p>\n<ul>\n<li>$2,500 minimum deposit required<\/li>\n<li>Tiered rate structure<\/li>\n<\/ul>\n<p><strong>IRA Savings Accounts<\/strong><\/p>\n<ul>\n<li>Combines the best features of a money market account and a CD<\/li>\n<li>Rates are reviewed on a quarterly basis<\/li>\n<li>Dividends paid monthly<\/li>\n<li>Regular IRA, Roth IRA and Educational IRA\u2019s are all available.<\/li>\n<\/ul>\n<p><strong>IRA Certificate of Deposit<\/strong><\/p>\n<ul>\n<li>$1,000 minimum deposit required<\/li>\n<li>Guaranteed interest for terms ranging from 6 months to\u00a048 months<\/li>\n<li>Dividends paid monthly<\/li>\n<\/ul>\n<p><strong>Borrowing is Better Our Way<\/strong><\/p>\n<p>When you need a loan, the first place to come is Commonwealth Utilities Employees Credit Union Credit Union.\u00a0 You\u2019ll find our rates very competitive.<\/p>\n<ul>\n<li>Car Loans<\/li>\n<li>Home Equity<\/li>\n<li>Home Equity Line of Credit<\/li>\n<li>Personal\/Unsecured<\/li>\n<li>Recreational Vehicles<\/li>\n<li>Savings Secured<\/li>\n<li>VISA Credit Cards<\/li>\n<li>First Mortgage<\/li>\n<\/ul>\n<p><strong>Loan Service<\/strong><\/p>\n<p>We are committed to making the loan process as easy as possible for our members.\u00a0 In fact, thanks to modern processing systems, we offer same day service on most loan applications, either in person, by phone or by fax.\u00a0 Members can apply at any time without having to go through a waiting period.<\/p>\n<p><strong>Becoming a Member is Easy<\/strong><\/p>\n<p>All you have to do to become a member of Commonwealth Utilities Employees Credit Union is to fill out an <a href=\"http:\/\/cuecu.org\/ASP\/individual.html\" target=\"_self\" rel=\"noopener noreferrer\">enrollment card<\/a> with a minimum deposit of $25.00<\/p>\n<p><strong>Other Benefits<\/strong><\/p>\n<ul>\n<li>Free Notary Public Service<\/li>\n<li>Direct Deposit<\/li>\n<li>Bank by Mail<\/li>\n<li>Payroll Deduction<\/li>\n<li><a class=\"underline\" href=\"https:\/\/www.ezcardinfo.com\/#\/\" target=\"_blank\" rel=\"noopener noreferrer\">Credit Card Information 24\/7<\/a><\/li>\n<\/ul>\n<p><strong>Free ATM Withdrawals<\/strong><\/p>\n<p>Did you know that there are 2,800 ATM machines nationwide that allow free ATM withdrawals? The SUM network is a program offered to banks and credit unions and administered by NYCE. NYCE is a leading electronic payments network that enables ATM and debit card access for the customers of its financial institution clients. Cardholders of financial institutions that have joined NYCE&#8217;s SUM Program can make withdrawals at designated ATMs owned by other SUM Program members without paying a surcharge.<\/p>\n<p>To locate a SUM network ATM go to <a class=\"underline\" href=\"http:\/\/www.sum-atm.com\" target=\"_new\" rel=\"noopener noreferrer\">www.sum-atm.com<\/a> or call the Credit Union for assistance.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner]<div class=\"separator  \" style=\"padding-top: 20px; padding-bottom: 20px; \" ><hr class=\"blank_divider\" ><\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row css=&#8221;.vc_custom_1472922801668{margin-top: 20px !important;padding-right: -10px !important;padding-left: -10px !important;}&#8221;][vc_column][vc_row_inner css=&#8221;.vc_custom_1472923573062{border-bottom-width: -10px !important;background-color: #77c9d4 !important;}&#8221;][vc_column_inner][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=&#8221;cd_rates&#8221; css=&#8221;.vc_custom_1472923918742{padding-top: 10px !important;padding-right: 10px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #77c9d4 !important;}&#8221;][vc_column_inner css=&#8221;.vc_custom_1472961376779{margin-top: -30px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1475203761239{margin-left: -10px !important;border-right-width: -10px !important;padding-top: 20px !important;padding-right: 10px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #ffffff !important;border-radius: 1px !important;}&#8221;]Regular Savings Accounts No maintenance fee. Minimum balance: $25 No notice [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3154","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.lmefcu.net\/index.php?rest_route=\/wp\/v2\/pages\/3154","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lmefcu.net\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.lmefcu.net\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.lmefcu.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lmefcu.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3154"}],"version-history":[{"count":0,"href":"https:\/\/www.lmefcu.net\/index.php?rest_route=\/wp\/v2\/pages\/3154\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.lmefcu.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3154"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}