Featured Products

• Mortgage Refinance Program
• Express Checking Account
• Auto Loans
• IRA Certificates
• Mortgage Programs
• New Member Referral Program

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Credit Union 1 offers a great low cost, low rate Mortgage Refinance Program. Rates are as low as 2.99%* with Closing Costs as low as $550**! There are a variety of rates and terms available.

*Certain restrictions and requirements apply. Rate based on individual credit. There is a minimum loan amount of $25,000. This offer is for a limited time and may be cancelled at any time.
**Closing costs based on single family residence.

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Credit Union 1 is committed to fulfilling your financial needs through convenient and competitive services. Our mission is to improve the economic well-being of our members while promoting growth, and maintaining the credit union's long-term financial stability. In 2011 we adapted our Express Checking account to follow economic changes in our community, as well as introduced the Express Plus Checking account to our members, giving you the opportunity to earn interest on your checking account.

We received feedback on our enhancements to the Express Checking account, and have listened to you. Beginning February 1, 2012 the requirements of the Express Checking account are as follows:

The Express Checking account is FREE* with one of the following options:
	•	Enrollment in e-Statements and 5 completed Point-of-Sale Transactions for the calendar month.
OR
	•	Enrollment in e-Statements and Direct Deposit / Payroll Deduction to Credit Union 1 Checking Account.

*Non-enrollment in one of the options listed above will result in a $4.95 fee for the month. This fee does not apply to members under the age of 24, and of the ages 65 and older.

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Get the green light for your Auto Loan! Hurry in and finance your Auto Loan with Credit Union 1 today! Credit Union 1 offers Auto Loans with convenient pre-approvals, along with fast and friendly loan processing for new and used vehicles. Mechanical Repair Coverage (extended warranties) and GAP coverages are offered at hundreds less than dealer cost.

Auto Loan Rates as low as 1.89% APR up to 36 months*

*Offer does not include the refinancing of existing Credit Union 1 Auto Loans. Rate reflects all applicable discounts. Certain restrictions and requirements apply. Rate based on individual credit.

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Prepare for your long term financial goals with a Credit Union 1 Individual Retirement Account (IRA) Certificate. Choose from a variety of options including Traditional, Roth, and Coverdell Education Savings Accounts with terms starting from 6 months up to 5 years. You may be eligible to deduct the amount of your contribution on your federal income tax for the year. Between January 1st and April 15th, you can deposit for either the current year or the prior year.

Traditional - A Traditional IRA is an individual retirement savings plan that offers tax-deferred earnings and the possibility for tax-deductible contributions.

Roth IRA - A Roth IRA is an individual retirement account which offers different tax incentives than a Traditional IRA to boost your retirement savings. Unlike Traditional IRAs, contributions to a Roth IRA are never tax-deductible. However, the money in your Roth IRA can be withdrawn tax-free at anytime, and if you qualify, you can withdraw the earnings tax-free too.

Coverdell Education Savings Account (ESA) – Coverdell ESAs help people save for a child's education expenses, such as tuition, fees, books, supplies, equipment, computers, and in some cases room and board.

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Credit Union 1 offers a wide selection of mortgage programs with competitive rates, low closing costs, and knowledgeable professionals to guide you through the whole process. You'll receive a tailored program to fit your individual needs.

Purchase/ Refinance

• Loan pre-approvals within 24 hours
• Up to 95% financing
• Options for less than perfect credit
• Convenient closing locations/li>
• FHA & VA financing*

Fixed Rate Home Equity Loan

• Competitive fixed rate
• Up to 75% Loan to Value less first mortgage
• Up to 15 years repayment
• No application fee

Home Equity Line of Credit

• No closing costs
• Up to 75% Loan to Value less first mortgage
• Up to 20 years repayment
• Rates as low as 1.01% below Prime for the life of the loan**/li>

*Not available in all states.

**Rate is a variable rate as low as 1.01% below Prime for the life of the loan with a floor rate of 4.00% APR and a maximum rate of 17.00% APR. Percent below Prime is based on approved line of credit limit. Prime Rate as quoted in the Wall Street Journal. This program may not be available in all states, please call for details. Certain restrictions and requirements apply. Subject to change at any time without notice.

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Refer a Friend or Family Member

Members that refer a friend, co-worker, or family member that join Credit Union 1, with one or more of the following products, will receive $25 for each new member referred.*

• Checking Account with Direct Deposit
• Share Certificate of Deposit
• Auto Loan
• Visa Platinum Credit Card
• Home Equity Loan
• Mortgage Loan

*Certain restrictions and requirements apply. This offer may be cancelled at any time without notice.

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Your share deposits are insured to $250,000 per account. This institution is not federally insured.

ABA/ Routing & Transit Number 271188081