Services

Checking Savings Consumer Loans Home Equity Loans Credit Cards

Checking

Our Free Checking can provide you with the answer to your needs with a convenient, no hassle checking account.

No minimum balance
No monthly service charge
Unlimited check writing
FREE online account access
VISA CUcheck card (debit card)
Overdraft protection linked to savings
Direct Deposit - have your paycheck automatically deposited to your credit union account – RMECU’s Routing & Transit Number 271988689.
Transfer funds from your credit union account to automatically pay a credit union loan.

What do I need to open a checking account?

Membership in RMECU
$50.00 to open the account
Copy of your driver’s license
Joint owner needs to be present to sign the new signature card

Savings

Share Savings*

$25.00 Minimum opening balance
Dividend paid
View Rates

Christmas Club**

(Account year runs from November through October)

$5.00 Minimum opening balance
Dividend paid
Withdrawals during the account year will close the club account until the next account year with loss of dividend.
View Rates

Vacation Club**

(Account year runs from May through April)

$5.00 Minimum opening balance
Dividend paid
Withdrawals during the account year will close the club account until the next account year with loss of dividend.
View Rates

*Multiple share savings can be opened under a single account number. Each will have a separate suffix and can be designated for a particular purpose such as taxes, tuition, insurance, etc.
**Club accounts are paid out on the first day of the club year and are mailed to the account holder in the form of a check or can be deposited into an existing savings or checking account.

Consumer Loans

Type of Loan	Maximum Amount	Automatic Payment Option	Pre-payment Penalty	Low Annual Percentage Rate
New Auto, Truck, Motorcycle	$75,000	Yes	No	View Rate
Used Auto, Truck, Motorcycle	$75,000	Yes	No	View Rate
RV, Boat, Motor Homes, 5th Wheel, Travel Trailer, Campers	$75,000	Yes	No	View Rate
Off Road RV, Snowmobile, Jet Skis	$75,000	Yes	No	View Rate
Personal/Signature	$10,000	Yes	No	View Rate
Debt Consolidation/Signature	$10,000	Yes	No	View Rate
Home Improvement/Signature	$10,000	Yes	No	View Rate
Share Secured	$75,000	Yes	No	View Rate
Snappy Cash	$1,000	Yes	No	View Rate
Rates will be determined by individual credit worthiness. Rates advertised are the lowest rates available. Your rate may vary from rate shown. Rates aresubject to change without notice. Example: $25,000 loan amount for 72 months at 6.35%, monthly payment is $418.00: total payback amount is $30,050.86; total finance charge $5,050.86.

Download Application or Apply Online

Home Equity Loans

Term: 4 year draw, up to 7 year repayment
Maximum Amount: $75,000 loan not to exceed 90% of assessed value, less balance of existing first mortgage
Closing Costs: $330.00 and up if appraisal is needed, amount can change without notice
Access over the counter or by phone request
Payments due monthly
No annual fee

Apply Online

Credit Cards

Feature	VISA Platinum	VISA Classic	VISA Student	VISA Secured
Rate	View Rate	View Rate	View Rate	View Rate
Grace Period	25 days	25 days	25 days	25 days
Annual Fee	None	None	None	None
Maximum Amount	$10,000	$5,000	$250.00	$1,000
Minimum Amount	$5,000	$1,000	$250.00	$200
Balance TransferFee	$5.00 or 2% of the amount of each balance transfer, whichever is greater.	$5.00 or 2% of the amount of each balance transfer, whichever is greater.	$5.00 or 2% of the amount of each balance transfer, whichever is greater.	$5.00 or 2% of the amount of each balance transfer, whichever is greater.
Method for Computing the Balance for Purchases	Average Daily Balance	Average Daily Balance	Average Daily Balance	Average Daily Balance
Minimum Finance Charge	None	None	None	None
Foreign Transaction Fee	1% of transaction amount	1% of transaction amount	1% of transaction amount	1% of transaction amount
Late Payment Fee	up to $25.00	up to $25.00	up to $25.00	up to $25.00
Travel Accident Insurance	Free	Free	Free	Free
Apply	Download Application	Download Application		Download Application