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Savings and Checking Accounts
REGULAR SHARE ACCOUNTS (SAVINGS ACCOUNTS) Open your account today!! The current interest rate is .50% APR. It only takes a $0.25 membership fee 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 fees, no minimum balance, up to $1,000.00 of Overdraft protection to prevent bounced check fees, no monthly service charge for those who have Direct Deposit and only a $3.00 monthly fee for those without Direct Deposit. 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. REORDER YOUR CHECKS ON-LINE  On-line Access to your Visa Card Enjoy the freedom and security of using your ROME Credit Union Visa Card wherever you go. We offer a 14.9% APR, a 25-day grace period before finance charges are applied and no annual fee. 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.
DEBIT CARDS Investment Options 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. ROME Credit Union along with CU Trade now offer our members an Online Investment Center. Click the link below for more information. My CU Trade Special Services HOME MORTGAGE The mortgage process is made simple and stress-free when you use the services of your credit union. Our members can obtain a mortgage through one of our mortgage service partners. Call us @ (248) 548-2300 for more information or call Member Mortgage Services directly @ (800) 945-4506.
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 CUNA MUTUAL GROUP 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 1-800-356-6006 for more information. NO CHARGE NOTARY PUBLIC
Convenient notary services without fees!! Available for members only, during normal business hours. We must witness the signature. As of November 1, 2007 ROME Credit Union's Fee schedule will be as follows: TRAVELERS CHECKS, MONEY ORDERS, AND CASHIER CHECKS
We provide great rates for traveler checks, money orders, and both certified and non-certified cashier checks. Rates are as follows: Money Orders: $1.00 each Cashier Checks: the 1st one is free, if you need more than one in a day they are $2.00 each Cashiers Check Non-Member Fee: $5.00
Certified Checks: $3.00 per check
Travelers Checks: $1.00 per hundred (ie. $10.00 fee for $1,000.00 worth of travelers checks). However, the fee is waived if you are retired. MISCELLANEOUS FEES
Share Draft Account Fees: Overdraft Fee: $25.00 per item NSF Fee: $25.00 per item
Returned Item Fee: $25.00 per item
Check Stop Payment Fee: $15.00 per item
EFT Stop Payment Fee: $15.00 per item
Cashiers Check Stop Payment Fee: $20.00 per item
Liberty Check Fee: Prices vary depending on style
Share Draft Maintenance Fee: $3.00 per month if member does not have direct deposit
Other Service Fees (applicable to all accounts):
Account Reconciliation Fee: $25.00 per hour
Account Research Fee: $25.00 per hour
Statement Copy Fee: First page $2.00
Each additional page: $1.00 Items Sent For Collection Fee: $15.00 per item
Wire Transfer (Outgoing) Fee: $25.00 per wire
Wire Transfer International Fee: $35.00 per wire
Overdraft Coverage Transfer Fee: $1.00 per transfer
Check Copy Fee: $3.00 per item
Cashiers Check Copy Fee: $3.00 per item Dormant Account Fee: (after 3 years) $3.00 per month
Lost ATM/Debit card Replacement Fee: $5.00
Garnishment/Levy Fee: $20.00 Verification of Deposit: $5.00
Return Mail/Invalid Address Fee: $5.00
Non-Member On-Us Check Cashing Fee: $5.00
Canadian Check Cashing Fee: $6.00
Electronic Funds Transfer Fees
Credit Union ATM Withdrawal/Transfer fee: $1.00 per transaction
Non-proprietary ATM Withdrawal/Transfer fee: $1.00 per transaction
Four (4) ATM withdrawals per month without charge.
MISCELLANEOUS DISCOUNTS
At ROME Credit Union we offer discounts on AAA and Liberty Mutual Insurance as well as various entertainment activities including tickets for Cedar Point, Henry Ford Museum and Greenfield Village. We have also partnered with Sprint; credit union members can now receive a discount with them for phone service. AUTOMATED BILL PAYMENTS
The Michigan Automated Clearinghouse Association works with many companies to provide for automatic payments from your checking or savings account thus saving you the hassle of writing checks, finding postage, and worrying about late payments. ON-LINE PAYMENTS
Wouldn't it be nice to have the peace of mind that comes with having a personal assistant? Use Direct Payment to automatically pay your bills on time without the hassle of writing checks or sending mail.  MEMBER'S FINANCIAL NETWORK
A link to the personal attention and experience of a professional. MFN can help you manage your financial future; no cost, no obligation. A wealth of information from a qualified source
     
ROME has also partnered with Accel to offer free membership financial counseling. These services include: Housing Counseling Credit Report Counseling Membership Counseling Membership Hardship Program Budgetsmart, an easy-to-use software tool used to help members manage money more effectively. Call 877-332-2235 or visit www.accelservices.org for more information.
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