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NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a ‘‘noninterest-bearing transaction account’’ are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA’s general share insurance rules.

The term ‘‘noninterest-bearing transaction account’’ includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal (‘‘NOW’’) account, moneymarket deposit account, and Interest on Lawyers Trust Account (‘‘IOLTA’’), even if share drafts may be drawn on the account. For more information about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov.

Products & Services

  • Debit Card
  • ATM Card (ATM on site - 24 hour access)
  • Mortgages
    • Fixed Rate
    • Adjustable Rate
  • Home Equity Loans - Minimum $10,000 Maximum $75,000 Max LTV is 75%
  • Certificates of Deposit (Share Certificates) - minimum deposit of $500
  • Money Orders
  • Bank Checks
  • Installment Loans:
    • Auto
    • Personal
    • Equipment
    • Home Improvement
    • Campers, Boats, ATV, Snowmobiles, Motorcycles, RVs
  • IRA’s (Retirement Accounts)
  • Financial Services (not affiliated with Hoosick FCU) Available on Premise:
  • Estate Planning
  • Retirement Planning
  • Investment Advice
  • Share Draft Accounts - (Checking) - no required minimum balance to avoid fee
  • Share Accounts - (Savings) - only $25 required to maintain membership and earn dividends.
  • Christmas Clubs
  • Overdraft Protection (Automatic transfer from available savings)
  • Wires - Domestic & Foreign

OLD FASHIONED CUSTOMER SERVICE!
   
This credit union is federally insured by the National Credit Union Administration.