VISA’s

Credit Cards

Compare to your ordinary VISA card! No annual fees. Interest rate is 9.99% APR. For a limited time there is no application fee! Think about switching to MERHO VISA credit cards and leave your other ones at home! Downloadable Credit Card application

Advantages:

• Lower than market Annual Percentage Rate
• 25-day grace period on purchases
• No cash advance fees
• No application fee
• Consolidate your bills and save money
• $10.00 late fee
• $5.00 replacement fee

VISA Prepaid Travel Money Debit Cards

VISA prepaid travel cards make it easy to use your credit card outside of the state or even the country. These prepaid VISA’s can be reloaded with money at any time via the Internet at www.cumoney.com or at the credit union. Perfect for vacations, college students, and to give as gifts! The best part about the VISA prepaid travel card is it's FREE!

Minimum load:  $100.00    Maximum load:  $5,000.00

Daily Limits:

• Charge at ATM $1.50
• ATM withdrawal $500.00
• Pin POS transaction $2,500.00
• Signature transaction $5,000.00

VISA Gift Cards

       MERHO FCU offers VISA gift cards in any denomination!

MERHO

Federal Credit Union

Services

Other Sevices…

• Notary services free to members Monday thru Friday at MERHO FCU Office.
• Night Drop Box for after hours deposits we offer the convenience of a drop box in the front wall of the MERHO building. Deposits are processed first thing thing in the morning following deposit..
• Money orders. $1.00 regardless of the amount.
• Wire transfer fees: $35.00 for domestic transfers and $45.00 for international transfers.
• Discount Theme Park Tickets for your next trip to Idlewild, Kennywood, & Sandcastle.
• MAC 50+ Benefits package for members age 50 and over.
• Automated Clearing House (ACH) may be utilized to have insurance, utility bills, and other items automatically withdrawn from your checking account with MERHO FCU. There is a $30 overdraft fee with this service.
• 24 hour phone and ATM service to access your account and make transfers easy.

Accounts:

Checking

Do you have your checking account at MERHO FCU? If not, you are probably paying monthly fees and higher prices for your checks. Ask any member service rep for information on a MERHO Federal Credit Union checking account.

Advantages:

• Get 150 checks for free
• No per check charge
• No minimum balance required
• Debit card (VISA CHECK CARD)

              -Surcharge-free Allpoint Network

• Partial overdraft protection from the available funds in your savings account. Under the undesirable  circumstances, there is a $30 overdraft fee on purchases made with a personal check or debit card.
• Automatic deposits via Direct Deposit or payroll deduction

Direct Deposits

Have your entire net paycheck delivered directly to the Credit Union. Check with your employer today to see if they offer direct deposit.

Advantages:

• Free service
• Deposit into multiple accounts
• Make loan payments automatically
• Set up an automatic savings account
  
  

If you need to reorder checks, you can do so online, just click here.

Savings

Did you miss signing up for one of our Club accounts? It is not too late! MERHO FCU paid over 1 million dollars last year to the members of the Christmas Club alone. The Christmas Club starts in October and runs through the following September. Payments (deposits) can be made by payroll deductions or office visits. Withdrawals are not permitted within the Christmas Club year.

Vacation Clubs are set up similar to the Christmas Clubs. They begin in April and run through the following March. Deposits can be made by payroll deduction or office visits. Withdrawals are permitted during the Club year.

Kid's Clubs are for our youngest members age 10 and under. Your children earn the value of saving and also win prizes. Members can purchase Youth Share Certificates for $100.00. Stop in the office for more details.

There are multiple IRA investments offered at Merho FCU. One of the best ways to start early saving for retirement is a payroll deducted IRA savings plan. IRA rules now make it more attractive than ever to save for your future. You can open and IRA account today free of charge. Call our office for rates on all of our IRA's.

The National Credit Union Administration insures each account up to $250,000. The NCUA is a U.S. Government Agency.

Additional Accounts:

• Dividend earning share/savings account
• Rainy day account
• Education Club account
• Certificate of deposit

Locations

Main Office

15 Irene St, Johnstown, PA 15905

(814) 535-3116 or

Toll Free 1-877-540-8121

Fax (814) 539-5090

Audio Response (814)  535-5807

Richland Branch Office

194 Donald Lane, Richland, PA

(814) 266-3076

Fax (814) 266-4021

Loans for any reason

Did you know MERHO FCU has mortgage loans available? We have 5, 10, and 15 year terms. We have 1st and 2nd mortgages as well as Home Equity Loans. Our total closing costs are very reasonable and your loan work is done by the mortgage loan officer and the credit union attorney. All paper work is done in the credit union office.

We can handle all your loan needs at reasonable rates. Stop by our office to fill out a loan application. If you require a co-maker, the co-maker must fill out the applicable part of the form. Or, stop by and pick up an application, complete it, sign it and fax to MERHO at (814) 539-5090. If you need to talk to a loan officer during business hours for answers to specific questions, or to check rates, call    

(8l4) 535-3116 Main Office, (814) 266-3076 Richland Offce, or toll free: 1-877-540-8121. Send E-Mail questions to merho@johnstownpa.com

Other Loans we offer:

• Home Improvement
• New & Used Autos / Boats / Motorcycles / RV’s & All Terrain Vehicles
• Personal Signature Loans
• New & Used Mobile Homes
• Revolving Lines of Credit

Theme Park Tickets

Kennywood $26.00

Sandcastle $22.00

Idlewild

Weekday $27.00

Idlewild

Any day $30.00