| 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 CardYou 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 Copies | 1st 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: |
 |
|