As a member of Augusta VAH Federal Credit Union, you have access to a variety of quality financial products and services.
Regular Share/Savings Account
When you open a savings account, you become a shareholder and owner in the credit union. The initial $5.00 deposit required to open this primary account buys a share of ownership in the credit union.
Christmas Club Account
This savings account provides a way to save money throughout the year for the holidays. Withdrawals are restricted to allow access to the account from November through December of each year.
Individual Retirement Account (IRA)
Traditional IRAs, Roth IRAs, and Coverdell ESAs (formerly Educational IRAs) are available. We charge no annual fees, no monthly service fees, no management fees, and no commission fees on our Individual Retirement Accounts.
Share Certificates of Deposit (CDs)
Regular savings certificates can be opened with a minimum $500 deposit. Certificates are available with terms of six months or twelve months. IRA certificates are also available.
Share Draft/Checking Account
A credit union checking account is like having a checking and savings account rolled into one. It is a free account that features the following:
۰ No monthly service charges
۰ No minimum balance required
۰ No per-check charges
۰ Dividends are paid quarterly, based on the average daily balance
۰ Free book of checks on all new checking accounts
VISA® Check Card
Faster than writing a check and more secure than carrying cash. Our VISA® Check Card combines the economy of a checking account with the convenience and versatility of a credit card. Access checking account funds anytime and anywhere the VISA® logo is displayed. The VISA® Check Card also serves as your ATM Card.
ATM Card
Whether across the country or just across town, the funds from your credit union account will be as close as home when you use any ATM machine bearing the STAR® or Cirrus® logos.
LOANS
VISA® Credit Cards
Our VISA®classic card is designed to save you money! It offers a low annual percentage rate and no annual fees or cash advance fees.
Traditional Loans
۰ New and used vehicles
۰ Boats
۰ Recreational Vehicles / Motor Homes
We have great rates and will help members refinance loans that are at other financial institutions.
Home Equity Loans
These lines of credit are a great way to make home improvements, pay for college educations, or do whatever is desired while potentially earning a tax deduction.
Mortgage Loans
Both 7-year and 15-year mortgage loans are available to help members buy a new home or refinance an existing loan.
Signature Loans
These unsecured loans are based on 15% of the gross annual income, up to a maximum $5,000 per member.
Shared Secured Loans
Using either a savings account or a share certificate of deposit as collateral, members may borrow money at low rates of interest.
SERVICES
Freedom Branch
Access your AVAHFCU account online through the Freedom Branch. You can check your account balance, transfer funds between your savings and checking accounts, pay on your credit union loans, view account activity, get copies of your cleared checks, access Free BillPayer (for qualified checking account holders), and view e-statements.
Free BillPayer
Now paying your bills is a easy as surfing the net with our free BillPayer, which is available to qualified checking account holders through the Freedom Branch.
You must sign up for Freedom Branch access in order to use BillPayer.
Courtesy Overdraft
This protections for your checking account is a way for AVAHFCU to provide a higher level of service by helping to protect your account and reputation if an inadvertent overdraft occurs. This service is available to qualified checking account holders. There is a fee charged if Courtesy Overdraft is used to cover a transaction. Certain restrictions apply. Contact AVAHFCU for more information.
Freedom Line (Audio Response)
This free service allows members to make transactions on accounts virtually anywhere and at any time. Take control of your accounts with the Freedom Line. You can make balance inquiries, transfer funds, and much more!
Free Life Savings Insurance
Members have up to $4,000 in life savings insurance on the primary savings account. Actual coverage may vary, depending on age and account balances.
Direct Deposit and Payroll Deduction
Payroll, Social Security, pension, or any other reoccurring checks can be deposited in savings accounts, checking accounts, or used to make loan payments.
Other Services:
۰ Drive-Thru Service (Main Office only)
۰ Night Deposit (all locations)
۰ Safe Deposit Boxes (Main Office only)
۰ Overdraft Protection on checking accounts
۰ Travelers Checks
۰ Cashier Checks
۰ Money Orders
۰ Free Notary Public Service
۰ Wire Transfers
