FAQs

Question

What information does the Credit Union collect on members?

First time borrowers need to complete a Loan Application. Both can be obtained through your on-site representative, or call the credit union and we will be happy to mail one to you. Subsequent loan requests require an updated form that can be faxed, or mailed or e-mailed to the credit union.

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Question

How long do I have to be a member before I can apply for a loan?

 

You may apply for a loan as soon as you become a member. There are no membership time requirements for loan qualifying.

Question

How do I add/remove a joint member to/from my account?

 

To add a member you will need to complete a new signature card, which you and the joint member sign where indicated. To remove a joint member, all joint members of the account need to agree to the removal, or the account can be closed and remaining joint members may open a new account.

Question

How do I change my payroll deduction?

 

Payroll deduction is an agreement between you and your employer. Payroll deduction change forms are available from your employer or credit union. When changing deductions, remember to indicate the total amount you want deducted from your check and forwarded to the credit union.

Direct Deposit Questions

Question

Why should I use Direct Deposit?

 

Safe – Your paycheck is protected against loss or theft.
Worry-free – Now you can be assured that your check is deposited, even when you are away from home.
Saves time – You no longer have to make special trips to the credit union or stand in long lines on payday.
Convenient – No more waiting for the mailman. Your deposits will be made for you automatically, allowing you to set your own timetable for getting cash.

Question

How will I be able to keep track of my money?

 

Your check stub from your paycheck is your permanent record.

Question

Is there a charge for this service?

 

This service is free to all participating Union Fidelity FCU members.