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Overdraft Courtesy Pay
IT IS HERE!
Homeport Federal
Credit Union now offers Overdraft Courtesy Pay to
its members.
Overdraft Courtesy Pay will allow qualified
members to overdraw their share draft account up to
a maximum of $500.00. Your checks will not be
returned NSF (Non-Sufficient Funds); therefore,
third parties will not charge additional fees
against your account. Our Overdraft Courtesy Pay fee
will be $25.00 per item.
Qualifications are as
follows:
Disclosure:
-
Homeport Federal
Credit Union reserves the right to revoke
Overdraft Courtesy Pay or close any account at
any time. If you choose to take advantage of
Homeport Federal Credit Union’s Overdraft
Courtesy Pay program, it will only honor items
processed via regular check or electronic
processing. Other restrictions may apply.
Failure to pay the overdraft balance may result
in legal action.
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Loans
A good place to
borrow...With Approved Credit
Cars, Boats, Motorcycles, RVs, Furniture, Appliances or
Musical Instruments
Signature Loans up to $20,000.00 MasterCard 14.00%
MasterCard Gold 9.75%
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Regular
Savings Share Accounts
You can save at your
Credit Union for such reasons as an emergency fund, down
payment on a home or car, college fund for the kids, or
any other reason you wish. Interest paid on savings is
compounded monthly. Higher interest is paid on higher
balances.
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Share
Certificate Accounts
The time of these Share
Certificate accounts will vary. Normally six months to
one year. The amount needed to invest may also vary.
Please call your Credit Union for more details.
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Individual
Retirement Accounts (IRA's)
You may establish a
special savings account for your retirement. The
interest earned is tax deferred and part of your deposit
could be. Like all Credit Union accounts your IRA
deposit can be withheld from your paycheck. Please call
your Credit Union for more details.
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Christmas
Club Share Accounts
Dividends
Compounded...Monthly
Dividends Credited...Monthly
Dividend Period...Calendar Month
Minimum Opening Deposit...$25.00
Minimum Balance to earn the stated APY...$100.00
Balance Method...Average Daily Balance
Early Withdrawal at any time...$10.00
Checking Accounts
The Ease of Checking
No Minimum Balance No Monthly Service Fee
Checks payable electronically at noon
Direct Deposit of all or part of Paychecks (from many
employers)
Social Security Checks
Other Government Checks
Pension and Annuity Checks
Deposits in Person or through the mail
NSF Fee $25.00
Overdraft Fee $5.00 per item
Returned Item (Check)$10.00 per item
Stop Payment Fee $25.00 per request (good for only 6
months)
Share Draft Printing Prices may vary depending upon
style
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VISA Check
Card
The VISA check Card makes
it possible for you to "Go Paperless" with your Credit
Union Debit
Card. A debit card can be used as both a Check and an
ATM card. Your VISA Check Card can
be used worldwide at any merchant that accepts VISA or
any terminal with PULSE, CIRRUS,
or PLUS network logos displayed.
VISA Check Card NSF Fee
$25.00 per transactions
VISA Check Card Transaction with Overdraft Protection
from Savings $5.00 per transactions
VISA Check Card Replacement Card $15.00
VISA Check Card Rush Request $20.00
VISA Check Card Rush Pin
Request $20.00
VISA Check Card Pin Replacement
$3.00
VISA Check Card will be mailed directly to member within
10 business days
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Drive Up
Tellers
8:00-6:00 Monday through
Friday
(Staples location only) 9:00-12:00 Saturdays
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Night
Depository
Night Deposits located beside the
drive-thru at our main office at 5959 S. Staples, Suite
100, Corpus Christi, TX 78413 and next to the ATM at our
downtown location, 523 Taylor, Corpus Christi, TX 78401.
Your deposit will be credited to your account the next
business day and we will mail you a receipt.
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Audio
Response - (361) 986-9740
By calling the audio
response, members can learn about Services, dividend
rates, and loan
rates for various types of loans. Members can learn
account balances or see if a check
has cleared their account. They can also transfer money
from one type of account to another.
Examples: savings to loan, share draft to loan, savings
to share draft.
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Phone
Loans
By using the Audio
Response System you may apply for a loan at your Credit
Union 24 hours a day. All information is taken using the
touch-tone phone and verbally giving some information.
Your application will be reviewed immediately or at the
start of the next working day if you call after hours.
You will be notified within that work day if approved or
disapproved.
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Master
Card
Regular and Gold cards
issued through your Credit Union. Eligibility
requirements similar to those for signature loans. No
Annual Fee plus a 25 day grace period.
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Money
Orders
Money Orders are sold at
$1.00 per money order
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Direct
Deposit
When you choose Direct
Deposit, you stay in control of your finances. You
choose the account
where your Social Security payment is deposited.
When you choose Direct Deposit, you choose safety. You
are free of worries of lost or stolen checks.
When you choose Direct Deposit, you choose convenience.
No special trip to cash or deposit a check. No need to
worry about being home to meet the mail on payment day.
It's easy to sign up for Direct Deposit of your Social
Security check. Ask us or call Social Security's
toll-free number weekdays from 7 am to 7 pm:
1-800-772-1213
When you call, be sure to have your Social Security
number and a personal check or account statement handy.
Your Social Security representative will need
information from these documents to start you on Direct
Deposit.
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