SAVINGS AND INVESTMENTS:
Are you looking for a savings or investment option that suits your lifestyle? Point Plus Credit Union offers a variety of options for all ages and life stages. For the most current rates visit our Rates page or Click here to go to our Online Membership application.
Open Savings
Become a Member/Owner of Point Plus Credit Union today when you open your saving account. Just an initial deposit of $5 gets you started enjoying all the benefits of Credit Union membership. But don’t stop there! Keep reading for more great savings options.
Card Savings
This savings account works almost as hard as you do! Our Card Savings offers the convenience of an ATM card, automatic withdrawals and deposits, and a monthly statement to help track your expenses.
Share Draft Checking
A checking account can be your most valuable financial tool, offering several secure, convenient ways to pay in person, online, or by phone.
With our members needs in mind, we offer three Share Draft Checking options:
· Totally Free Checking – We believe if you say “FREE” you should mean it (and back it up with great service too!) No per check fees, no minimum balance requirements, none of the things that can make “FREE” not so free.
· Membership Plus Checking – The great perks that come with this checking account are more than worth the $4.95 monthly fee. Sign up today and say goodbye to money order fees and traveler’s check fees and hello to travel and insurance benefits.
· Senior Advantage Checking – Specially designed for our members aged 55 and better. This account offers all the benefits of our Totally Free checking PLUS two free boxes of economy style checks each year if you have direct deposit of Social Security or other retirement funds.
Club Accounts
It’s high time to go above and beyond the traditional “Christmas Club” and that’s just what we’ve done. We now offer four unique Club Savings accounts.
· Holiday Club – Timeless and reliable. Deposit into your Holiday Club from November 1st through October 31st and have the money you need for Holiday and other end of the year expenses. *
· Vacation Club – You can deposit from May 1st through April 30th into your Vacation Club. Whether it’s a real getaway or just a vacation from mid-year bills you’re saving for, this club is for you!*
· Celebration Club – Why not celebrate all year long? We designed this club account because we know that life’s little joys (and emergencies) happen more than twice a year. Deposit any time and you can withdraw during any or all of four ten-day windows starting March 1st, June 1st, September 1st, and December 1st. **
· Graduation Club – You or your future High School Graduate can save for graduation and beyond with this great club account. Start the account at any age and funds are available May 1st of the year the student graduates from High School. **
*Dividends compounded semi-annually ** Dividends compounded quarterly
Share Certificates
Looking for a secure investment? Start with a low minimum of $1000 into our Regular Share Certificates or $250 into our Youth Share Certificates, choose a term from 6 months to 5 years, and watch your savings grow.
IRA
Take the anxiety out of fulfilling your financial dreams with a Point Plus Credit Union IRA account. You can choose a Traditional IRA, Roth IRA, Coverdell Educational Savings account, or a combination of all three. Then, you decide if you would prefer an IRA savings or an IRA Share Certificate with terms from 6 months to 5 years and a minimum balance of $1000. With so many choices you’re sure to find one that’s just right for you.
Money Market Accounts
What do you get when you combine the convenience of a checking account with the security of a Credit Union savings account? Our Money Market Account! Start with a minimum deposit of $1000, earn a higher rate than other savings options PLUS take advantage of up to six withdrawals each month. Perfect for our busy members at any age.
LOANS:
Shop around and we know you’ll find that our loan programs can offer you the right loan and terms to suit your individual needs.
Take a look below to see the wide variety of loan products we offer and check our Rates page for the current rate information.
Ready to apply? Click here to complete and submit an online application and one of our Loan Professionals will contact you.
Home Equity Loans and Home Equity Lines of Credit (HELOC)
Ready to make the equity in your home work harder for you? Then you’re ready for a Home Equity Loan or HELOC from your Credit Union! Whether it’s time for home improvements, a well-deserved vacation, a new car, education expenses, or anything else on your to-do list, we can help. Call one of our friendly loan professionals or check our rates page today for more information.
Real Estate Loans
Make your Credit Union the source for all of your Real Estate loan needs. We offer a variety of mortgage loans at competitive rates. And, when you borrow from your Credit Union, you know we’ll find the best loan for you with rates and terms you can afford.
We offer:
· Fixed Rate Mortgages
· Adjustable Rate Mortgages (ARMS)
· Balloon Loans
· Construction Loans
· Wisconsin Housing and Economic Development Authority (WHEDA) Loans
Don’t see what you’re looking for? Call or stop by today and talk to your Credit Union loan staff.
Vehicle, Motorcycle, Boat, and other Secured Loans
With our Express Lending program, borrowing has never been easier! Need a new car or want a new toy to put in your garage? Fill out our Express Lending Plan and get the money you need fast. Need to borrow more in the future? No problem!
Just call or stop by any location and we can have your cash in a flash, in many cases without a bit of paperwork. It’s just that easy. Call, stop by, or check our rates page for more information.
Kwik Cash and Overdraft Loans
Looking for a smart alternative to Pay Day and Cash Advance loans? Our Kwik Cash and Overdraft Loans can get you out of a sticky situation. Plus, when you take advantage of these affordable lines of credit you can pay off your balance with low monthly payments and without the hassle of all those hidden fees. Our loan professionals can find the line of credit that’s right for you. Call or stop by today for more information.
Share Secured Loans
Keep your savings where they belong and consider this great lending alternative. Use your Share Savings or Share Certificate as collateral for your next loan, get a great rate, and save money too. Want more details? Call or stop by and talk to one of our loan officers now.
Point Plus Credit Union MasterCard
Are you tired of getting caught in the big Credit Card Company’s phone loop? Then come to your Credit Union for a no hassle Credit Card!
Point Plus Credit Union offers two great options:
· Our ScoreCard features a 12.9% APR* and a 1% rebate on purchases
· Our Low Rate card is just that with a cool rate of just 7.9%. APR*
Choose either card and you get the convenience of calling or visiting any of our locations to make payments, take cash advances, or ask questions. PLUS a 25 grace period on purchases and acceptance at millions of places worldwide. And that's not all! You can chose between our Rainbow Logo card or SPASH Panther card designs. The choice is yours!
*Annual Percentage Rates (APR) This rate is subject to change
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