Products & Services
Share Accounts
A share account is similar to a savings account. To be a member of
SODES Federal Credit Union, a share account must be opened and a balance of
$5.00 maintained.
DIVIDEND RATES
CHECKING ACCOUNTS:
SODES Federal Credit Union checking accounts do not have a minimum balance
requirement and there are no monthly check fees. Overdraft protection is
available from your share account or an overdraft protection loan. Contact
the Credit Union to set-up your overdraft protection.
ORDER CHECKS
LOANS:
There are three categories of loans at SODES Federal Credit Union.
- SECURED - A loan that has some form of collateral given is a secured
loan. Examples are: vehicle, camper, motorcycle, boat, computer,
etc.
- SHARE SECURED - These loans use your share (savings) account as
collateral. Your shares continue to earn dividends while pledged as
collateral.
- LINE OF CREDIT - This type of loan requires no collateral and can be
used for a wide variety of reasons such as consolidating bills, home improvement
projects, etc.
LOAN RATES
OTHER SERVICES:
| ATM/Debit Cards |
Credit Life & Disability Insurance |
| Online Banking |
Direct Deposit |
| Wire Transfer |
Young Savers' Club |
| Loadable Gift Cards* |
Money Orders/Cashiers Checks |
| GAP Insurance |
NADA Guides |
| Payroll Deduction |
Fax Service |
| Consumer Reports Magazine |
Postage/Stamps |
| * Only during the holiday season |
SCHEDULE OF FEES
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