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SERVICES
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...Some of the advantages:
- Get 180 checks free
- No per check charge
- No minimum balance required
- Debit card (VISA CHECK CARD)
- free overdraft protection from available funds in your savings account
- Automatic deposits via Direct Deposit or payroll deduction If you have any questions call (8l4) 535-3116, (814) 266-3076 or toll free 1-877-540-8121
If you need to reorder checks, you can now do so on line, just click the reorder button.
SAVINGS Did you miss signing up for the Christmas Club? Its not too late! MERHO FCU paid over 1 million dollars to the members of the Christmas Club. Be one of those Christmas Club members. Sign up now and pay your club up to date or take a decreased check next year. Payroll makes it so easy or take a coupon book if payroll deduction or direct deposit is not available to you. Interest is paid and compounded on your account quarterly. No withdrawals from this account are permitted during the Club year.
There are many other savings plans and IRA investments that are offered. 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..Some of the advantages:
- Dividend earning share/savings accounts
- Holiday Savings Club accounts
- Vacation Club accounts
- Various other savings accounts
- Certificate of deposit accounts / IRA accounts
DIRECT DEPOSIT of checks. Sign up today at your payroll office..Some of the advantages:
- Free service
- Deposit into multiple accounts
- Make loan payments automatically
- Set up an automatic savings account
ATM & AUDIO RESPONSE..Some of the advantages:
- 24-Hour phone services available
- Access to account 24-hours a day
- Easy transfer of funds
CREDIT CARDS VISA, 9.99% APR interest on purchases and cash advance. No yearly fees. $10 application fee required. 25 day grace period for payment...Some of the advantages:
- Lower than market Annual Percentage Rate
- 25-day grace period
- No cash advance fees
- Consolidate your bills and save money
- $10.00 late fee
LOANS FOR ANY REASON Did you know MERHO FCU has mortgage loans available? We have 10 and 15 year terms. We have 1st and 2nd mortages 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.
LOANS Vehicle, signature, revolving. 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, (814) 266-3076 or toll free: 1-877-540-8121. Send E-Mail questions to merho@johnstownpa.com
..Some of the advantages:
- Revolving loan line of credit
- First, Second mortgages available
- New & used autos / Boats & RVs
- Personal signature loans
- Guaranteed student loans
OTHER SERVICES..Some of the advantages:
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 Bldg. Deposits processed first thing the morning following deposit.
- Money orders. $.75 regardless of the amount up to $1,000. Travelers Checks free to Vacation Club members, $l.00 per hundred otherwise.
- 24 hour message phone service
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