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Products and Services
                    
WE HAVE VISA GIFT CARDS AND TRAVEL CARDS

             
GIFT CARDS
                       PRICE: $3.00 EACH
                       MINIMUM PURCHASE FEE: $10.00 (initial card value)
                       MAXIMUM: $500.00
                       EXPIRATION: 7 YEARS
                       REPLACEMENT CARD: $10.00
                       LOST/STOLEN CARD FEE: $10.00

DO NOT HAVE TO CALL TO ACTIVATE                 

ONLINE INFORMATION: www.consumercardaccess.com/cugift2

*Card Limitations* : NO Transactions at:
-ATM
-Pay at the Pump
-Hotels
-Car Rentals
                 
               
TRAVEL CARDS
                         PRICE: $5.00 EACH
                         MINIMUM PURCHASE FEE: $100.00 (initial card value)
                         MAXIMUM:  $5000.00
                         EXPIRATION: 3 years
                         REPLACEMENT CARD: $5.00
                         LOST/STOLEN CARD FEE: $5.00

MUST CALL TO ACTIVATE CARD

ONLINE INFORMATION: www.cumoney.com
                         
*Card Limitations* :
- PIN Transactions, 25 per day, limit of $2,500
- Signature transactions, 25 per day, limit of $2,500
- ATM Withdrawals (domestic and international), 3 per day, limit of $500
- Cash Advance, 2 per day, limit of $1,000
*pay at the pump requires at minimum balance of $51 or higher

**call us for more details**
                                                                                       

Current Savings Rates (as of 7/1/2012)

Regular Savings, Restricted Savings, Vacation Club, and Christmas Club
0.01%
Money Market              ...               If balance is below $ 2,500.00           0.01%
Money Market              ...               If balance is equal to or above $ 2,500.00    0.02%
6 month Certificate of deposit; $10,000.00 minimum balance required
0.05%
Traditional or Roth IRA savings
0.20%
                                                                                                                     


      SAVINGS AND CHECKING ACCOUNTS
  
REGULAR SHARE ACCOUNTS (SAVINGS ACCOUNTS)

Open your account today!! It only takes a $0.25 membership payment and an initial deposit of $5.00 to become a member of ROME Credit Union. Once you are a member you can start taking advantage of all the great services offered to you by the credit union - at fair and reasonable rates.

CHECKING ACCOUNTS

Compared to Checking Accounts at a bank or savings & loan, it is easy to see the value of belonging to ROME Credit Union. With our Checking Accounts you can enjoy a variety of options including: no per check service charges, no minimum balance, Overdraft protection available up to $1,000 to prevent bounced check service charges, $5.00 monthly service charge  for accounts with out direct deposit; the service charge will be waived when you have direct deposit of $50.00 or more per month.

OVERDRAFT LOANS

ROME Credit Union offers a loan for those with Checking Accounts. If at any time you accidentally overdraw your account this loan will transfer money, in $100.00 increments, to cover any checks that would otherwise bounce.  The maximum amount you can borrow is $1,000.00. Call or come in to find out about applying for one.

VISA CREDIT CARD-

ATTENTION ROME Credit Union Members:
Rome has just increased the maximum limit of our VISA CREDIT CARDS to $10,000.00! Please call the credit union if you would like to increase your current limit. Don't have a credit card with ROME? APPLY TODAY

Enjoy the freedom and security of using your ROME Credit Union Visa Card wherever you go. Just another way ROME provides you with a safe and convenient way to pay. We offer a 14.9% APR, a 25-day grace period before finance charges are applied and no annual fee. We will even transfer the balance from another credit card (up to $10,000.00) to ours for FREE! 

On-line Access to your Visa Card

You can find out your balance, payment history or when your next payment is due by calling 1-800-828-3901. And now you can check your Visa balances on line; just click below. ROME Credit Union participates in Verified by Visa to help prevent and reduce Internet fraud and increase confidence in on-line transactions.  Call 1-800-991-4961 after credit union hours to report lost or stolen cards.

*VISA credit/debit cards are eligible for Scorecard Rewards Points. Ask for details

DEBIT CARDS

There's no longer a reason to carry your checkbook, credit card and ATM card: all you need is our Visa Check Card! Visa Debit cards are accepted at millions of locations worldwide and can be used for a range of purchases. It acts as an ATM card and as either a debit or a credit to make purchases at stores. ROME's Visa Debit Card is a great tool that will help you save time and money. If you already have a checking account with us, then this card is for you. If you have yet to open a checking account, now is the time for you to check one out and enjoy access to our combination Debit/Credit/ATM card! We allow four free withdrawals each month, and deposits are always free. On the premises we have a 24 hour ATM. Click the link below for a list of surcharge free ATMs near you!  

*VISA credit/debit cards are eligible for Scorecard Rewards Points. Ask for details
*Debit card transactions must be processed as a credit transaction

                        
TRAVELING? Make sure you call VISA to inform them of your traveling dates so you can have worry free shopping while your gone!   1-800-828 -3901(applies to credit/debit card)
                                                                                                        

Investment Options

MONEY MARKET ACCOUNTS

Money Markets are Share Accounts that require a minimum balance of $2,500.00, with a monthly interest rate higher than that of regular Share Accounts.


IRAs

At ROME Credit Union, we offer our members the option of:
      *Traditional IRAs - $1.00 minimum balance
      *Roth IRAs - $200.00 minimum balance
  You can choose the one that best suits your personal needs.


CERTIFICATES OF DEPOSIT

Earn more on your money with our CD's! ROME Credit Union offers a six-month CD with a minimum balance of $10,000.00.  Call to find out the current rate.

                                                                                                                                                 

    Home Equity Loans and Mortgages      


As of 4/1/2011:
Home Equity Fixed Rate start @ 4.75% APR
Home Equity Line of Credit start @ 4.75 APR
 
** All Equity Products are based off Prime Rate and will change quarterly. Please call the Credit Union to verify current rates. **
 
New purchase or refinances can be done through our Mortgage Partners at Mortgage Center.

                         

                              Mortgage Center currently serves 75 credit unions!

Who is the Mortgage Center and what do they do?

Established in 1990, the Mortgage Center is a full service mortgage company exclusively for credit union members.
                                               
                                                       Mortgage Center Products

Purchase
Refinance
Vacation Homes
Investment Properties

                         
                                        Check out their website at www.mortgagecenter.com.
 
  
                                                                                                                                                 
Business Loans

Our lending program now offers:

  • Business Lines of Credit
  • Equipment Financing
  • Vehicle Loans
  • Commercial Real Estate

Contact Rome Credit Union for more details.

                                                                                                                                                  

No Charge Notary Republic

Convenient notary services without service charges!! Available for members only, during normal business hours. We must witness the signature. Call ahead to make sure a notary will be available.

                                                                                                                                                  

Direct Deposit

Direct Deposit is convenient and easy to get started. The ability of having your paycheck deposited directly into your account gives you the security of knowing your funds will be there when you need them, saving you a trip to our lobby during your busy day. 

                                                                                                                                                  

AS OF AUGUST 1st, 2012 ROME Credit Union's Service Charge schedule will be as follows:

NSF Service Charge:$32.00*
Overdraft:$32.00*
Return Item:$32.00
Stop Payment:$30.00*
Share Draft Printing:varies on
style
Share Draft Maintenance Service
Charge:		$5.00* (without direct deposit of $50.00)
Overdraft Transfer Service Charge:$2.00*


Account Reconciliation:$25.00*
Account Research:$25.00*
Statement Copies1st page: $2.00
add. pages: $1.00 each
Items sent for Collections:$15.00*
Wire Transfer (outgoing):$35.00*
Wire Transfer (international):$45.00*
Incoming Wire Service Charge:$15.00*

 Other Service Fees (applicable to all accounts)::

Money Order:$2.50*
Check Copy:$3.00*
Dormant Account:$3.00 per month
Cashiers Check (member):$2.00* (1st one is free)
Cashiers Check (nonmember):$5.00*
Photocopy Cashiers Check:$3.00*
Lost Visa Credit/Debit Card:$10.00*
Garnishment/Levy:$50.00*
Verification of Deposit:$5.00*
Return Mail:$5.00
Non-Member Check Cashing Service Charge:
$5.00*
Canadian Check Cashing Service Charge:$6.00*
Escheat Service Charge:$50.00*
It'sMe247 Password Reset$5.00*
Visa Debit Card Pin Reissue:$2.00*
Phone Transfer:$2.00*
Visa Gift Card:$3.00*
Visa Travel Card:$5.00*
Starter Checks:$0.50*
Paper Statement Service Charge:$5.00*
Holiday Loan Skip-a-payment:$20.00* each loan
ATM Withdrawals:Four free per month (co-op) then $1.00*
ATM Nonproprietary:
$1.00*
Loan Deferral:FREE (three allowed per life of loan, interest must be paid)
Online Banking:FREE
Estatements:FREE
Telephone banking:FREE 1-800-860-5704
Credit Union ID- 189

*per item, hour or month charge*


*Four ATM Withdrawals per month for free*

QUICK TIP- did you know that when you swipe your card and use your pin you can get
cash back for free!!

ALL 7-11 ATMS ARE CO-OP NETWORK

 

NOTICE: Paper Statement Service Charge of $5.00 Effective     
August 1, 2012

Beginning with the August 1, 2012 statement, ROME Credit Union is imposing a fee of $5.00 per paper statement mailed. You may avoid this service charge by enrolling in ROME Credit Union’s E-Statements. E-Statements are secure and your statement is sent automatically to your personal email box. E-Statements arrive even sooner than a paper statement that’s mailed. To sign up, go to romecu.org and sign into your It’s Me 247 account, click the “preferences” tab on the top of the page and select “my E-Statement options”.  The system will then display an E-Statement Enrollment Agreement for you to fill out.  If you are a first time user of It’s Me 247 Online  Banking you will need to call the Credit Union for a quick authorization before you attempt to sign on. Members under the age of 16 and over the age of 70 will not be charged a fee for paper statements. Please feel free to call the credit union with any questions you may have and a Member Service Representative will be happy to help you. 



Rate Information:
  • -The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate & frequency of compounding for an annual period.

  • -For Regular & Restricted Share, Christmas & Vacation Club accounts, the Dividend Rate & Annual Percentage Yield may change quarterly as determined by the credit union's Board of Directors.

  • -For IRA accounts, the Dividend & Annual Percentage Yield may change monthly as determined by the Board of Directors.

  • -For Money Market (10) accounts, the Dividend rate & Annual Percentage Yield may change monthly as determinded by the Board of Directors.

  • -The Dividend rates & Annual Percentage Yields are the rates & yields as of the latest dividend declaration date which is set forth in the Rate Schedule.

    •                                                                                                                                                  
    Other Partners and Discounts for Members

     AAA INSURANCE

    As a member of ROME Credit Union you are entitled to special -and sometimes substantial- group discounts for auto and homeowners insurance.There is also Group Travel Plus from AAA. You can travel with group tours to a variety of locations in the United States and around the world at special package rates  1-800-222-6424

    CUNA MUTUAL GROUP  <---(click to view webpage)

    Members can also take advantage of great rates for all insurance needs through CUNA Mutual Group. CUNA Mutual Group offers term, whole-life, mortgage insurance, accidental death and dismemberment insurance, as well as supplemental health insurance coverage. See us, or you can call 1-877-636-2377 for more information.

     CEDAR POINT AND SOAK CITY TICKETS

    ROME Credit Union sells Cedar Point and Soak City tickets as a service to our members. A portion of profits goes to support your Oakland County credit unions!


    ALSO Please take advantage of the many credit union member EXCLUSIVE discounts~     
                                          
  •                                            
    ROME has also partnered with Accel to offer free membership financial counseling. Whatever your situation is Accel can help. Services are free and confidential. These services include:

    •                                    


    •   


    •  
    Housing Counseling
    Budget Counseling
    Debt Management Program
    Credit Report Review

                                             KNOW WHAT TOOLS YOU HAVE!

    WORKSHOPS FOR MEMBERS
    Steps to Financial Freedom
    Kids and Money
    Identity Theft
    Be Credit Wise
    College Bound
    Understanding your Credit Report

                                        Accel also has many online tools such as:

    Loan Calculator
    Debt Calculator
    Mortgage Calculator
    Savings Calculator
    Financial Planning Calculator
    Budget Calculator

                                       As well as many online worksheets

    Take advantage of the many tools you have at  your fingertips!
    Visit www.accelservices.org


                            



                                                                ROME Credit Union
                                                                1709 Crooks Rd.
                                                                Royal Oak, Michigan 48067
                                                                Ph: 248.548.2300
                                                                Fx: 248.548.5708
                                                                Email: romecu@aol.com