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Effective March 1st 2013 our Courtesy Pay product will be changing. To learn more please click here
Courtesy Pay is an overdraft service that provides you a safety net up to an automatically assigned overdraft limit. Your Courtesy Pay limit may be available for checks and other transactions made using your checking account, automatic bill payment, and recurring debit card transactions.
Signing up for the service does not require any action on your part UNLESS you wish ATM and electronic transaction such as Point Of Sale (POS) to be covered. If so you MUST complete a consent form and mail it in or visit your local branch to sign up.
You can use your credit card to make your loan payment.
Simply print the form, fill it out and mail it in. Click here for Form
You may use your Visa Debit Card to initiate both Visa debit transactions and non-Visa debit transactions without using a personal identification number (PIN) to authenticate the transactions.
To initiate a Visa debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network.
To initiate a non-Visa debit transaction, you may enter a PIN at a point-of sale terminal or, for certain bill payment transactions, provide the account number for an e-commerce or mail/telephone order transaction after clearly indicating a preference to route it as a non-Visa transaction. We have enabled non-Visa debit transaction processing on the PLUS, CO-OP, and STAR network(s).
The rights and protections applicable only to Visa debit transactions, including additional consumer liability limits and streamlined error resolution procedures, as described in your Electronic Fund Transfers Agreement and Disclosure will not apply to transactions processed through non-Visa networks.
Please contact Plus Credit Union with any questions you may have regarding this notice.
Scammers are finding new ways to get your personal information and now they are invading our cell phones. It's called SMISHING. They send text messages making false claims to obtain personal information.
The most common SMISHING scam so far is a text message claiming your bank account is frozen, and a toll free number is provided to call to clear things up.
If you receive a "SMISHING" message:
Plus Credit Union will never e-mail you a request for you personal information or password. Do not click on the Web site link in a message that's telling you that the organization's information is out of date or incomplete. Delete it immediately. Report the incident to Internet Crime Complaint Center
*APR=Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on credit qualifications.
**Closing costs will be waived if member agrees to make 12 monthly payments on subject loan, If paid in full prior to the 12th monthly payment, a closing cost of $400.00 will be imposed at time of loan payoff. Variable rate information: the annual percentage rate may vary each calendar quarter. The rate will be based on the Prime Rate published in The Wall Street Journal.
***Variable rate information: The rate will be based on the Prime Rate published in The Wall Street Journal plus 8% for Classic Cardholders, plus 6% for Gold Cardholders. Rate change will take effect on your next billing cycle date. Visa Disclosure
~ Preferred rate for those with higher scores. Rates are subject to change without notice. All loans are subject to credit approval. The credit union is an equal opportunity lender and makes loans without regard to race, color, religion, sex, handicap, family status, or nation origin. You will receive a complete disclosure of rate and terms associated with your loan before you sign any loan documents. NEW LOAN MONEY ONLY– CURRENT PLUS CREDIT UNION AUTO LOANS ARE NOT ELIGIBLE FOR REFINANCING.
-All loans are based upon qualification-The rate for your loan will be determined by your credit history. Call the Member Service Center at (702) 871-4746, for more information.
-Please note that a change of address on your account can not be completed over the phone. To change your address please download the change of address form, notarize it and mail it to us.