Accounts

Share Savings
An interest-bearing life savings account. By maintaining a minimum balance of $5 you are eligible for opening any of the other accounts offered. The initial $5 deposit remains in the account for the life of the account. Should you, however, choose to close-out the account the money is yours.
Includes a Life Savings Insurance benefit provided by your credit union to the primary owner on each account. A $2,000 maximum match for those members not over 70 years of age.
Exceptions apply.

Share Draft
A checking account. It's totally free and interest-bearing with no minimum balance. Pay only for the checks themselves. There are several check designs offered through Harland Clarke, so you're sure to find one that fits your own unique personality. Receive your first box of Guardian Safety checks free of charge.
Member must be 18 years of age unless parent or guardian is willing to accept financial responsibility as co-owner of account. TeleCheck International, Inc. will be used to verify member's financial history.
$25.00 Insufficient Fund Fee

ATM/Debit Card
Use for any point-of-sale (POS) purchase. Allows 24-hour access to both savings and checking accounts at any ATM machine with the Cirrus, pulse, &/OR CO-OP logos. Offered only to those members with open checking accounts in good standing. Applications are available in person, by mail, or on-line. Please submit completed applications to SMCCU.

Credit Card
When you want a credit card from people you know and trust, nothing beats the VISA card from your credit union. You can request an application in person or by mail. To apply by phone, call 1-888-415-6154. Or visit www.myCUcard.com to apply on-line.

If you are accepting the application in person or by mail, simply complete and return the application to the following address:

Illinois Credit Union System
ATTN: Card Processing Center
1807 W. Diehl Rd.
P.O. Box 3107
Naperville, IL 60566-7107

Christmas Club
A contributative savings account only. The member makes deposits at his/her leisure. The credit union pays a quarterly interest of 1.50%. Begins every year on November 1st. Proceeds to be made available the middle of the following October. Checks are typically mailed on, or around October 15th unless directed otherwise.

Vacation Club
A contributative savings account only. The member makes deposits at his/her leisure. The credit union pays a quarterly interest of 1.50%. Begins every year on September 1st. Proceeds to be made available the beginning of the following May.

Certificates of Deposit (CDs)
Term investments. Dividends are paid quarterly (payable options available upon request). Rates are subject to change at the Board of Directors' discretion. Currently offering 12, 18, & 24-month CDs along with several special promotions, all at competive rates with other local financial institutions.
See current RATES.

Individual Retirement Accounts (IRAs)
Term Investments within the account with the purpose of providing available retirement funds. Withdrawable without penalty at age 59 1/2. Early withdrawals subject to taxation penalties by the IRS. Contributions may be made weekly, monthly, or yearly. Dividends based on 12-month Certificate of Deposit.
Tax credits may apply.
See current RATES.

Loans
We offer several types of loans including motor vehicle, ATV, motorcycle, boat, camper, share/certificate secured, and personal loans. Payments may be made in cash, check, transfer, direct deposit, or automatic payments. Applications are available in person, by mail, or on-line.
Please submit completed applications to SMCCU. All applicants must sign and date the application. And, all applicants must sign for the final closing procedures before checks can be issued.
See current RATES.

Services

CU On-line
Beginning in January of 2008, Southeast Credit Union launched "CU On-line." It's the credit unions' version of on-line banking. We prefer to call it "on-line credit unioning." Members are able to access their account information & perfrom on-line transactions withinin their own account via a home or work PC. Members must complete an authorization form before accessing their account(s).
Call us @ 573/431-3573 OR 800/331-3573 to sign-up today!

On-site ATM Machine
The on-site ATM machine is up and running. Be sure to check it out the next time you need fast cash. There are NO fees to credit union members. Non-members pay only $1.50 per usage. The ATM is available for drive-thru or walk-up access.

Other Services
Drive-up Window
Night Depository Slot - located in the front door at the bottom, left side
Notary Public
Postage Stamps
Over-Draft Protection
Courtesy Pay
Check Cashing - $2.00 or FREE to those members who have an active account with a $25 balance or a loan in good standing
Stop Pay - $20.00
Wire Transfers - $5.00
Credit Union Teller Checks
Cashier's Checks *first three(3) free, $1.50 thereafter; members only
Direct Deposit
Payroll Deduction