Share Products - click for details
Regular “Share” Savings
This is your most basic savings plan, it entitles members to apply for all of our other great services. These funds are available to members anytime and it pays dividends. The share account serves as a great way to save money for all your savings needs.
Sub Account Savings
The sub account savings are opened under your primary membership and are a great way to set aside money for something specific such as vacations, car insurance, taxes, etc.
Christmas Club
This is a great way to save up for the holidays! Christmas Clubs are also opened under your primary membership. The balance saved is then transferred to your primary savings account on October 1st, just in time for your holiday shopping.
Money Market/ Premier Shares
This account offers members a greater investment return. Members start this account with a minimum balance of $1000. The dividend rate may change from month to month. Some restrictions do apply to this account.
Certificate of Deposit
Certificate of Deposits earn a higher dividend and are a no risk investment that allow members to secure a fixed rate of return for an extended period of time. Members can chose from a certificate with a minimum of $500 and a term as short as six months, or as long as five years.
Checking Accounts
Our checking accounts are totally free! No hidden fees or monthly charges, no minimum balance and no per check charge. Direct deposit, courtesy pay, and ATM/Debit cards are all available with your checking account.
Automated Services - click for details
Audio Banking
Access your account using a telephone from just about anywhere. With our CU*Talk Audio Response System you can check your balance, make transfers, and see what transactions have cleared your account. Members may call (616) 285-5720 or 1-800-860-5704. Our credit union ID is 006.
Debit Cards
A Mastercard debit card may be used at any ATM for a cash withdrawal from your account. This card saves you from having to write a check when you use it as a debit with your PIN number or as a credit card. The Mastercard debit card accesses funds from your checking account and can be used anywhere the Mastercard logo is displayed.
Lost/Stolen ATM or Debit MasterCard? Call 1-888-241-2510
Direct Deposit and Routing Number
When setting up your direct deposit, use your base account number with suffix code 000 for savings or 001 for checking. No dashes or spaces needed. Our routing number is 272486177.
Online Banking
Access your account at anytime from the convenience of your home or workplace. View your account, make transfers, receive e-statements, loan payments and so much more!
Clubs - click for details
Kid’s Club
It is a free program designed to encourage children ages 0-12 years to learn about the credit union and encourage them to save. Our program is simple: the children earn Wooden Nickels for various activities such as making deposits, bringing in their report card and coloring us a picture. The Wooden Nickels can be redeemed for reward items that our in our Kid’s Club display.
Christmas Club
This is a great way to save up for the holidays! Christmas Clubs are also opened under your primary membership. The balance saved is then transferred to your primary savings account on October 1st, just in time for your holiday shopping.
Member Rewards - click for details
Bronze Level Rewards
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Silver Level Rewards
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All Bronze Level Rewards plus:
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Gold Level Rewards
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Platinum Level Rewards
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All Silver Level Rewards plus:
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All Gold Level Rewards plus:
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| Share Products | Points |
|---|---|
| Each Savings, Checking and Sub Account | 25 |
| IRA or Certificate of Deposit Account | 25 |
| High Yield or High Yield Plus Account | 25 |
| Aggregate Balance of $500 to $2499 | 25 |
| Aggregate Balance of $2500 to $9999 | 50 |
| Aggregate Balance of $10,000 to $24,999 | 75 |
| Aggregate Balance of $25,000 and over | 100 |
| Loan Products | |
| Home Equity Loan | 50 |
| Loan Balance of $100 to $4,999 | 25 |
| Loan Balance of $5,000 to $19,999 | 50 |
| Loan Balance of $20,000 to $49,999 | 75 |
| Loan Balance of $50,000 and over | 100 |
| Active VISA Card | 75 |
| Other Products and Services | |
| Active ATM Card | 25 |
| Active Debit Card | 50 |
| Active CU*Talk Audio Banking | 25 |
| Active It’s Me 24/7 Online Banking | 75 |
| E-Statement – Enrolled | 50 |
| Bill Payment – Enrolled | 50 |
| Member Elected Deposits | |
| Payroll With Deposits Over $400 per Month | 50 |
| ACH Deposits Over $400 per Month | 50 |
| Automatic Funds Transfer | 25 |
| Points Deducted For | |
| Any Savings Account With A Negative Balance | -100 |
| Any Loan Account With A Delinquency of 30 Days or More | -300 |
Other Member Services - click for details
Xtend Shared Branching
Access your accounts at credit unions anywhere you see the X-tend sign. You are able to perform transactions such as withdrawals, deposits, loan payments, transfers and balance inquiries.
On-site ATM
Our on-site ATM allows members to make withdraws and balance inquiries at any time of the day or night. Plus, get 24/7 access to your accounts at ATMs nationwide through our partnership with Co-Op Network.
Drive-thru Teller Window
Our drive-thru teller window allows members to complete their regular banking transactions quickly without having to leave the car.
Night Depository
It’s a safe and secure way to get your deposit to us even when we are not open. Our night drop is located to the left of our front doors.
Online Bill Pay
You’ll save time, money and have complete control. Rest assured, CU*Easy Pay is safe and secure. Just click the “Pay My Bills” icon from It’s Me 24/7 Online Banking. Step-by-step, point and click instructions will guide you through enrollment and set-up. You are able to pay any bill, including your house payment, credit card – even your babysitter – at anytime, from anywhere!
Fee Schedule - click for details
| ACCOUNT FEES | |
| Account Closing – First 6 months | $25.00 |
| Account Closing due to abuse | $25.00 |
| Account Research | $25.00 per hour |
| Christmas Club Early Withdrawal | $10.00 |
| Dormant Account | $2.00 |
| It’s Me 24/7 Sign-ons per month | $0.50 per additional sign-on |
| Non-Sufficient Funds | $28.00 per item |
| Deposit Item Returned | $28.00 per item |
| Extended Overdraft | $50.00 |
| CHECKING ACCOUNT FEES | |
| Courtesy Pay | $28.00 per item |
| Online Bill Pay Bronze Level | $4.95 per month |
| Stop Payment | $25.00 per item |
| Starter Checks | $2.00 per page |
| LEGAL FEES | |
| Escheatment | $25.00 per account |
| Garnishment/Levy | $25.00 per account |
| LOAN ACCOUNT FEES | |
| Line of Credit/Visa Overdraft Transfer | $5.00 per transfer |
| Loan Processing Fee | $25.00 for approved 30/60/90 day notes |
| Quick Cash Loan Processing Fee | $25.00 per loan |
| Skip-A-Payment | $30.00 per loan |
| VISA Card Replacement | $15.00 per card |
| VISA Pin Reissue | $1.00 per pin |
| VISA Balance Transfer | 3% or $5.00 (whichever is greater) |
| SERVICE FEES | |
| Cashier’s Check | $1.00 per item* |
| Copy/Fax | $1.00 for 1st page ($0.10 per additional page) |
| Debit/ATM Card Replacement | $15.00 per card |
| Debit/ATM Pin Reissue | $1.00 per pin |
| Check Cashing – Member | $2.00 per check** |
| Check Cashing Non-Member | $5.00 per check |
| Check Copy | $5.00 per check* |
| Coin Return | No charge for first $50, 5% fee |
| Money Order | $1.00 per item |
| Returned Mail | $2.00 per item |
| Statement Copy | $5.00 per month* |
| Transaction List | $1.00 per printout |
| Telephone Transfer | $1.00 per transfer (one free per day) |
| Wire Transfer – Incoming | $10.00 |
| Wire Transfer – Outgoing | $15.00 |
| VISA Gift Card | $4.00 per card |
| *See Member Rewards. **Waived if member has an aggregate balance of $100 or more in their account, or if member has a loan/VISA with Kenowa Community Federal Credit Union. | |
| CREDIT UNION MEMBERSHIP | |
| Membership Share | $5.00 par value |