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An Important Message from Your Credit Union Many of you have questions on the effects of the recent “Financial meltdown”, and what effect it will have on your Credit Union. First I would like to address the concerns of the safety of your deposits. All accounts are now insured by the full faith of the U.S. Government for $250,000.00 or greater. See any staff member for additional information. Second I would like to address the comments that with this crisis, lending will be more difficult, and people will not have funds available to buy homes, cars, and other large ticket items. This has and will not change for us. We have more than adequate funds available to loan to our members and will continue to have funds available to those that qualify. We have never been involved in the high risk, or sub-prime lending that is now causing the downfall of several large financial institutions. Our rate of delinquent accounts has always been well below the national average, our losses from delinquent loans has and continues to be extremely low.
All funds on deposit are backed by the NCUA up to 100,000.00 and by separating accounts we have the ability for coverage on substantially higher amounts. Feel free to contact any of our member service representatives for addition information on coverage over 100,000.00. To address our financial condition. Our last two years have been record years for both loan and savings growth. The financial condition of Credit Unions is rated in terms of Capital. Our Capital ratio is almost two times the ratio required by the NCUA. Funds not used for lending are invested only in government backed deposits, all of which are insured completely by the United States government. So, although I can not say that we are going to see some tough times with layoffs, high gas prices, and a higher cost of living, I want to assure you that your deposits are safe with us. We will continue to operate as an independent Credit Union, and continue to offer a full line of products and services to the Niles and Cass County communities. As always, I am available to further discuss any concerns you have. Thank you for your trust in the management of your Credit Union. Sincerely, Dave VanStrien- CEO |
MyKeptData service for e-statement is the source for our members to see and save their statements for up to 5 years.
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Enrolled members will receive notice that their enrollment has been received.
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Then they will receive notice of their first statement within 30 days after their enrollment.
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The archiving process going forward begins after they receive their first statement.
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It will be necessary for you to enroll for e-statements.
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Click the link below to enroll.
TeleBranch 1-800-945-8892
Our audio response unit is called TeleBranch, this allows you to check balances, transfer funds, verify deposits, and see if checks have cleared. TeleBranch is available 24/7 contact a credit union Member Service Representative to find out how you can begin using this great service.
Free E-Bill Pay
Why spend time paying your bills by handwriting checks, addressing envelopes and going to the post office? Take care of paying your bills with on-line E-Bill Pay, which is available free through our on-line banking.
Your ATM/Debit is accepted where ever you see these logos
Order YourOn-line Checks Online
Notice: Greater Niles Community Federal CU uses digital encryption security when members post information and send information to Greater Niles through our Web Site. However, information sent by a member through their own e-mail program is at risk. We do not recommend sending confidential information such as account numbers or social security number through e-mail, unless posted through our online forms.
Greater Niles Community Federal CU
507 East Main
Niles, Michigan
49120
269.684.6005 / TeleBranch 1.800.945.8892
Fax: 269.684.6173
info@gncfcu.org
