Member Information

Green River Area FCU  offers a full range of financial services designed to meet your needs. Plus our staff is always ready to help you and answer any questions you might have. We're glad you are a member. Let us know if we can be of assistance.

Share (Savings) and Investments, Share Draft (Checking) Accounts, Christmas Club Accounts, Vacation Accounts, Loans, Insurance, and other services are available. We offer competitive rates on loans, and the convenience of Payroll Deduction and Direct Deposit. Both locations have Night Deposit, and Drive Thru Windows, and our Owensboro office has an ATM machine. We currently offer Visa ATM/Debit Cards, and are working to provide additional products and services for our members in the near future.

See the information below for rates and terms on member accounts, and applicable fees and charges, and our Loan page for competitive loan rates and terms.
Savings and Investments c

Share (savings) Account

* Dividends posted monthly.
* Make deposits and transfers by mail, telephone, ach, payroll deduction, or in person. Transfers both one time and recurring can be done through online banking.an

Share Draft (checking) Account

* Low service charge
* Dividends posted monthly
* Duplicate checks
* Payroll Deduction/Direct Deposit
* Overdraft protection from Share Account
* ATM/Debit VISA Card Program

Share Certificates

* Competitive rates paid on 6 month, 12 month, and 24 month terms.
* Dividend rates subject to change and are paid quarterly.
* $2,000 minimum deposit
* Penalty for early withdrawal: Loss of 90 days dividend.

Term                                  Annual Percentage Rate               Annual Percentage Yield
6 month                                                 .40%                                                  .40%
1 Year                                                   1.15%                                                1.16%
2 Year                                                   1.40%                                                1.41%

Individual Retirement Account Passbook

* Competitive Rates
* Tax deferred until withdrawal.

IRA Share Certificate

* 12 and 24 month terms.
* $2,000 minimum deposit.

Special Savings Accounts

* Christmas, vacation, etc.
* Dividends paid monthly.
* Competitive Rates.

Account Type           A.P.R.          A.P.Y.           Dividends           Minimum   Min. Required   Min. Bal.   Account Limitations
                                                                             Compounded    Opening     Balance To        Required
                                                                             and Credited     Balance       Avoid Service    To Earn    
                                                                                                                                       Fees            Dividends
Regular Shares        .10%           .10%               Monthly             $25.00          None                  None       Withdrawal Limitations Apply           
Share Drafts             .10%          .10%                Monthly             None            None                $500.00     Withdrawal Limitations Apply
Christmas Club        .10%          .10%               Monthly              None            None                  None        Withdrawal Limitations Apply
IRA                             .65%          .65%                Quarterly           None            None                  None        Noneedit text on your website by double clicking on a text box on your website. Alternatively, when you select a text box a settings menu will appear. Selecting 'Edit Text' from this menu will also allow you to edit thtext within this text box. Remember to keep your wording friendly, approachable and easy to understand as if you were talking to your customer
1. Rate information Effective: 01/01/2017

The Dividend Rate and Annual Percentage Yield for each account is set forth above. Dividend Rate and APY for all accounts except IRA may change monthly, as determined by the Board of Directors. For IRA accounts, the Dividend Rate and APY may change quarterly, as determined by the Board of Directors.

2. Compounding and Crediting:

Dividends will be compounded and credited as set forth above. For all accounts except IRA, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1st and the ending date of such dividend period is January 31st. For IRA accounts, the dividend period is quarterly, for example, the beginning date for the first dividend period of the calendar year is January 1st and the ending date of such period is March 31st. All other dividend periods follow these patterns of dates. The dividend declaration date follows the ending date of a dividend period. If you close your account before dividends are credited, you will not receive accrued dividends, except on IRA's.

3. Minimum Balance Requirements:

The minimum balance required to open each account is set forth above. To obtain a dividend, you must meet the minimum balance required to earn dividends as set forth above for each account. To avoid a Dormant Account Fee, you must maintain the required $100.00 balance as set forth below.

4. Balance Computation Method:

Dividends are calculated by using the daily balance method. This method applies a daily periodic rate to the balance in the account each day.

5. Accrual of Dividends:

Dividends begin to accrue on the business day you deposit cash or noncash items (checks) to your account.

6. Transaction Limitations:

The account limitations for each account are set forth above. For those accounts that are indicated that transaction limitations apply, no more than six (6) preauthorized, automatic, telephone transfers may be made from these accounts to another account of yours or to a third party in any month, and no more than three (3) of these six (6) transfers may be made by check, draft, or debit card to a third party. If you exceed these limitations, your account may be subject to a fee or be closed.

7. Nature of Dividends:

Dividends are paid from current income and available earnings, after transfers to reserves at the end of a dividend period.

8. Fees and Charges:

The following fees and charges may be assessed against your account:

Overdraft (return - SD, ACH, POS, ATM)                                                                                  $20.00 per item
Overdraft (transfer - SD, ACH, POS, ATM)                                                                               $12.00 per day
Share Draft (service charge)                                                                                                      $2.00 per month
Returned Check (on deposit items)                                                                                          $10.00 per item
Returned Statement/Change of Address                                                                                $3.00 per occurence
ATM/Debit Card                                                                                                                            $1.00 per month per card
Replacement Fee-ATM/Debit Card (lost or stolen card)                                                      $15.00 per card
Replacement Fee-ATM/Debit Card (PIN)                                                                                 $5.00 per PIN
Debit/ATM/POS Receipt Copy                                                                                                   $15.00 each
Stop Pay                                                                                                                                         $5.00 per order
Check Copy                                                                                                                                    $5.00 per item
Statement Copy (statement, history)                                                                                      $1.00 per page
Wire Transfer                                                                                                                                $10.00 per outgoing wire/$5.00 incoming
Excessive Share Withdrawal                                                                                                      $1.00 per withdrawal over 2 a month
Dormant Fee (no tranactions 6 mo., under $100 min.)                                                       $5.00 per month                       
Loan Late Fee (if payment not received within 10 days of due date)                               $15.00 per month
Check Order  (varies with quantity and style ordered)

9. Additional Terms and Conditions:

The fees defined as excessive withdrawals may be assessed against your share account or Christmas Club account if you exceed more than two (2) withdrawals per month.
INSURANCEn this text box. Remember to keep your wording friendly, approachable and easy to understand as if you were talking to your
*Secure your loans with Credit Life and Credit Disability

Members Choice Credit Life & Disability Insurance helps give you the security of knowing repayment won't be left to loved ones should something happen to you.

Credit Life and Credit Disability Benefits:

     Immediate coverage for eligible members.
    
     Knowledge you have coverage helps to build peace of mind

     Complements existing insurance

Ask your credit union Loan Officer for full benefits and details! If you prefer, call 270-926-0210 for the Owensboro, KY main office or 270-826-0927 for the Henderson, KY branch office or visit either GRAFCU location.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Your purchase of Member's Choice Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Policy Agreement for a full explanation of the terms.

Trustage Life, Auto & Home Insurance

Exclusively for credit union members. Trustage Life, Auto and Home Insurance Programs aer made available through CUNA Mutual Insurance Agency, Inc., and have been providing insurance and financial services designed for credit unions and members for nearly 80 years, serving more than 14 million credit union members. You trust your credit union to provide value. It endorses TruStage products and programs to provide exceptional value and superior service to credit unions and their members. We'll stive to exceed your expectations every day-with every call, every question, and every claim. We're here to protect you and the people who matter most in your life.

Life:      Call toll free 1-855-612-7909 Monday through Friday 7 a.m. - 9 p.m. CT & Saturday 8 a.m. -4:00 p.m. CT or visit TruStageLife.com
Auto & Home: Call 1-888-380-9287 Mon-Fri 7 a.m.-1 a.m. ET, Sat. 7 a.m.-11:30 p.m. ET, Sun. 9 a.m.-10 p.m. ET or visit TruStageAutoHome.com
                      MEMBER BENEFITS
* Payroll Deduction: An easy and convenient way to save. Savings, checking and loan payments are automatically deducted from your payroll check and credited to your accounts.

*Direct Deposit: Any regularly recurring check (pension, payroll, social security, etc.) can be deposited directly into your savings or checking account.

* Money Orders: Available in any amount up to $1,000.00.

* Notary Service: FREE Notary Service available daily.

* Night Deposit

* Online Banking

* Wire Transfers

* Financial Counseling

* ATM/Debit VISA Card Program: The VISA Check Card looks like a credit card but works like a check. It is faster, more economical, more convenient and simply just plain easier than using conventional checks. When using the VISA Check Card, we encourage you to choose credit instead of debit. The funds will still come out of your checking account, but you won't have to enter your PIN. Credit transactions offer more consumer protection than debit transactions and they mean less cost for the Credit Union which benefits all members.

Withdraw funds from your Credit Union checking account at MAC/PLUS ATM locations nationwide. Call or stop by today for an application. You must have a Credit Union checking account to be eligible for the VISA Check Card.

There is currently no charge for transactions at the following ATM's:

                     Fifth Third Bank

                     Owensboro Federal Credit Union

                     Green River Area FCU - Owensboro

Fraud / ID Theft Information
There's a new type of Internet piracy called "phishing". It's pronounced "fishing", and that's exactly what these thieves are doing: "fishing" for your personal information. What they want are account numbers, Social Security numbers, and other confidential information that they can use to loot your checking account or run up bills on your credit cards.

In the worse case, you could find yourself a victim of identity theft. With the sensitive information obtained from a successful phishing scam, thee thieves can take our loans or obtain credit cards and even driver's licenses in your name. They can do damage to your financial history and personal reputation that can take years to unravel. But if you understand how phishing works and how to protect yourself, you can help stop this crime.

Here's how phishing works:

In a typical case, you'll receive an email that appears to come from a reputable company that you recognize and do business with, such as your financial institution. In some cases, the email may appear to come from a government agency, including one of the federal financial institution regulatory agencies.

The email will probably warn you ov a serious problem that requires your immediate attention. It may use phrases, such as "immediate attention required", or "please contact us immediately about your account". The email will then encourage you to click on a button to go to the institution's website.

In a phishing scam, you could be redirected to a phony website that may look exactly like the real thing Sometimes, in fact, it may be the company's actual website. In those cases, a pop up window will quickly appear for the purpose of harvesting your financial information.

In either case, you may be asked to update your account information or to provide information for verification purposes: your Social Security number, your account number, your password, or the information you use to verify your identity when speaking to a real financial institution, such as your mother's maiden name or your place of birth.

If you provide the requested information, you may find yourself the victim of identity theft.

How to Protect Yourself

1. Never provide your personal information in response to an unsolicited request, whether it is over the phone or over the internet. Emails and internet pages created by phishers may look exactly like the real thing. They may even have a fake padlock icon that ordinarily is used to denote a secure site. If you did not initiate the communication, you should not provide any information.

2. If you believe the contact may be legitimate, contact the financial insititution yourself. You can find phone numbers and websites on the monthly statements you receive from your financial institution, or you can look the company up in a phone book or on the internet. The key is that you should be the one to initiate the contact, using contact information that you have verified yourself.

3. Never provide your password over the phone or in response to an unsolicited internet request. A financial institution would never ask you to verify your account information online. Thieves armed with this information and your account number can help themselves to your savings.

4. Review account statements regularly to ensure all charges are correct. If your account statement is late arriving, call your financial institution to find our why. If your financial institution offers electronic account access, periodically review account activity online to catch suspicious activity.

What to do if you fall victim:

* Contact your financial institution immediately and alert it to the situation.


* If you have disclosed sensitive information in a phishing attack, you should also contact one of the three major credit bureaus and discuss whether you need to place a fraud alert on your file, which will help prevent thieves from opening a new account in your name. Here is the contact information for each bureau's fraud division:

                           Equifax 800-525-6285  P.O. Box 740250   Atlanta, GA  30374
                           Experian 888-397-3742  P.O. Box 1017  Allen, TX  75013
                           TransUnion 800-680-7289  P.O. Box 6790  Fullerton, CA  92634

* Report all suspicious contacts to the Federal Trade Commission through the internet at www.consumer.gov/idtheft , or by calling 1-877-IDTHEFT.

Another link of interest regarding internet fraud and scams:  http://www.fraudwatchinternational.com