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Savings and Checking Accounts
  
REGULAR SHARE ACCOUNTS (SAVINGS ACCOUNTS)

Open your account today!! The current interest rate is .09% 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.

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

There's no longer a reason to carry your checkbook, credit card and ATM card: all you need is our Visa Check card! It acts as an ATM card and as either a debit or a credit to make purchases at stores. ROME's Visa Check 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. There is a $1.50 surcharge if your Financial Institution is not a member of CO-OP Network. Click the link below for a list of surcharge free ATMs near you!
  

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. 

Home Equity Loans and Mortgages
 
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 Member Mortgage. Our representative Jim Patrick visits weekly on Thursdays. You can also call him @ (800) 945-4506
 
  or    www.membermortgage.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 fees!! Available for members only, during normal business hours. We must witness the signature.

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 September 10th, 2009 ROME Credit Union's fee schedule will be as follows:

 
TRAVELERS CARDS, GIFT CARDS, MONEY ORDERS, AND CASHIER CHECKS

We provide great rates for traveler cards, 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
Gift Cards $3.00
Travel Cards $5.00  reloads (up to 4 per card) $2.00
 
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: $12.00 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
Starter Checks: $0.50 a check
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.
 
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 & Restrictive 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 (in addition see our link and website page).
     
    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

     
    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.

    At ROME Credit Union we offer discounts on AAA and CUNA Mutual Insurance as well as various entertainment activities including tickets for Cedar Point and Soak City. We have also partnered with Sprint; credit union members can now receive a discount with them for phone service.

     
     
      

  • 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.

     

    MEMBERS HOME AND AUTO INSURANCE PROGRAM: 

    ROME Credit Union makes available MEMBERSŪ Home & Auto Insurance Program.   Click for a FREE rate quote.

     



     


    • ROME Credit Union
    1709 Crooks Rd.
    Royal Oak, Michigan 48067
    248.548.2300
    Fax: 248.548.5708
    romecu@aol.com