Credit Union Membership Eligibility

• A member of a common bond church or organization
• An immediatefamily memberof someone from an above qualifying group. A family member is defined as: husband, wife, mother, father, brother, sister, child, step-child, grand-child, and grand-parent. Note that a family member of an eligible person can join even if the eligible person chooses not to join.Example: Maria Kozakis a member of St. JosaphatChurch but is not a member. Her son Ivan wants to join the credit union. Hiseligibility is: mother, Maria Kozak, St. JosaphatChurch member.
• AShare Savings Accountwith $50 minimum deposit.
• Account may be single ownershipor joint ownership.

Advantages of Membership

• Affordable financial services
• A full-line of financial services
• Low or no fees on services
• Low or no minimum balance requirements
• Affordable loan rates
• Competitive interest paid on shares
• 24-hour access to accounts
• Convenient office hours
• Friendly, personal, & professional service
• Funds federally insured by NCUA
• Service in native language

Federal Deposit Insurance

• Funds are federally insured by the National Credit Union Administration up to $100,000; or $250,000 for IRA accounts
• All deposits in your individual accounts are added together and protected up to the $100,000 limit.
• NCUA insures joint accounts separately from individual accounts.
• Example: You and your spouse maintain a joint account containing $100,000 and you also have a $25,000 joint account with a child. Your total insured funds would be $125,000.