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Education Plus Credit Union
Serving the Monroe County education community since 1957
Education Plus Credit Union
15470 S. Telegraph
P.O. Box 1928
Monroe MI 48161
Education Plus Credit Union (EPCU) is a state chartered, full-service, not-for-profit structure with the more consumer-friendly nature known to credit unions. You have a unique strength associated with your member-ownership.
EPCU is a sound and safe financial institution and is federally insured by the National Credit Union Administration.
Hours: 9-5 Monday through Thursday, 9-6 Friday, 9-Noon Saturday (drive through only)
Profile Views: 1221
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| Image Gallery: For sale |
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| Items listed below are for sale by Education Plus Credit Union.
To bid on any item, click "fill out bid sheet", complete and return to EPCU in a sealed envelope.
To inquire about these items contact our Collections department at 734-242-3765 or collections@edpluscu.com! |
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| For Sale $134,900 OBO
4527 Landon Dr Newport
1326 Sq. Ft./2 Car detached garage/Central air/3 BDR/2 Bath/ View of Lake Erie/ Recent Appraised Value $138,000.
Financing Available
Zero down/No closing cost/6.25% Rate/ Principal
& Interest PMT $850.00
Call 734-242-3765 Denise/Lisa |
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| 2006 Chevy Trailblazer SS. Asking $19,995 or best offer. Mileage 50,184. 6.0 Liter V-8/Automatic/Powered Windows/Locks/Mirrors/Drivers Seat/Tilt Stearing/Cruise Control/Bose Sound system w/ 6 Disc changer/ Alloy Wheels w/ newer tires/ Moon roof/Self leveling system. NADA retail $22,050. Call Lisa 734-242-3765 or 734-818-7328. |
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| ONLINE BILLPAY IS HERE! ASK FOR DETAILS! |
YOUR EPCU FUNDS ARE SECURE
Click here for details about your insured accounts!
FALL CD SPECIAL
One Year CD
4.50% A.P.Y / 4.41% RATE
$5,000 minimum
Must have: Checking Account + 1 other service -E-Statements, loan, additional Certificate of Deposit, IRA, or direct deposit.
New - Text Messaging! Find a CO-OP Network surcharge-free ATM when you’re away from your computer!
Text your location – address, intersection or zip code – to 692667 (MYCOOP) from any mobile phone or call 888 SITE CO-OP to access our voice ATM Locator.
NEW YOUTH CD PROGRAM- For ages newborn to 17
- $250 minimum required deposit
- 6 month CD
- 3.00% apy
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| Image Gallery: AFFILIATES |
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| About Education Plus Credit Union |
Education Plus Credit Union (EPCU) is a state chartered, full-service, not-for-profit structure with the more consumer-friendly nature known to credit unions. You have a unique strength associated with your member-ownership.
EPCU is a sound and safe financial institution and is federally insured by the National Credit Union Administration.
MISSION STATEMENT
The mission of EPCU is to provide for its members low cost financial services and high return while maintaining a sound financial condition.
CREDIT UNION HISTORY
Monroe County Teachers Credit Union was founded on May 1st, 1957, when 65 teachers gathered at Ida High School to witness its formation. Though it was originally started as a credit union for teachers, the field of membership was eventually opened to all public school employees. On April 1, 1989, Monroe County Teachers Credit Union merged St. Michael's of Monroe Credit Union into its field of membership. In 1995, the members voted to "open up" the field of membership to employer groups within a 25 mile radius of the main office. This change allowed the Credit Union to grow and service more members. To better represent its new field of membership, members agreed to change the name to Southeastern Educational Employees & Affiliates Credit Union in August, 1995 and finally to SEE&A Credit Union in June, 1997. In March 1996, SEE&A Credit Union opened its first satellite office in Lambertville, moving to a full service office in December of 1998. On December 1, 2004 SEE&A Credit Union changed its name to Education Plus Credit Union to better represent its membership.
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| Main Announcement |
Monroe: 734.242.3765 or 800.732.1921 | Lambertville: 734.856.4029
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| Links |
NOTICE
Education Plus Credit Union cannot attest to the accuracy of information provided by linked sites. Linking to a web site does not constitute an endorsement by Education Plus Credit Union, or any of its employees, of the sponsors of the site or the products presented on the site.
Amusement Park Links
EPCU
Education Links
Local Schools and College
Credit Union Member Links
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| FIXED RATE IRA CERTIFICATE OF DEPOSITS |
BALANCE
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1 YEAR
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2 YEAR'S
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3 YEAR'S
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4 YEAR'S
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5 YEAR'S
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APY
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Rate
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APY
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Rate
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APY
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Rate
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APY
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Rate
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APY
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Rate
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$2,000 - $24,999
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2.85
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2.82
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3.00
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2.97
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3.20
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3.16
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3.45
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3.41
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3.65
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3.60
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$25,000+
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2.90
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2.87
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3.20
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3.16
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3.30
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3.26
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3.50
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3.455
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3.75
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3.70
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| SHARES |
ACCOUNT
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APY
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RATE
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MIN BALANCE
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VALID THRU
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Regular Savings (S1)
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.50%
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.50%
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$5
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06/30/2008
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All Purpose Savings (S2)
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.50%
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.50%
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None
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06/30/2008
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Holiday Savings Club (S3)
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.56%
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.56%
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None
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10/31/2008
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Plus Savings (S4)
If minimum not maintained
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1.00%
.50%
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.99%
.50%
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$2000
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10/31/2008
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Liquid Gold Savings (S5)
If minimum not maintained
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1.58%
.50%
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1.57%
.50%
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$25,000
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10/31/2008
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Checking (Share Draft)
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0%
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0%
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$0.00
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N/A
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| SHARE/CD/IRA RATES |
Rates Effective 09/16/2008
Annual Percentage Yield (APY) is the total amount of dividends paid on an account based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for an early withdrawal of a fixed term certificate or IRA. Rates are subject to change without notice.
FALL CD SPECIAL
4.50% APY 4.41% APR
1 year term
$5,000 minimum
Must have: Checking Account + 1 other service - loan, E-Statements, additonal Certificate of Deposit, IRA or direct deposit
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| CERTIFICATES OF DEPOSIT |
BALANCE
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6 MONTHS
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1 YEAR
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2 YEAR'S
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3 YEAR'S
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4 YEAR'S
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5 YEAR'S
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APY
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Rate
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APY
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Rate
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APY
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Rate
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APY
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Rate
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APY
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Rate
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APY
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Rate
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Youth CD $250
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3.00
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2.96
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$2,000 - $4,999
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2.35
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2.33
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2.60
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2.57
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3.10
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3.06
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3.20
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3.15
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3.40
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3.35
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3.65
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3.59
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$5,000 - $9,999
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2.40
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2.37
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2.65
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2.62
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3.30
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3.25
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3.30
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3.25
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3.50
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3.445
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3.85
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3.78
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$10,000 - $24,999
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2.50
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2.47
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2.75
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2.72
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3.40
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3.35
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3.40
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3.35
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3.60
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3.54
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3.90
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3.83
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$25,000+
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2.69
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2.66
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2.90
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2.86
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3.50
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3.445
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3.50
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3.45
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3.70
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3.64
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4.00
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3.93
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| Information |
IRA VARIABLE RATE 04/01/2008 thru 06/30/2008 1.71% APY 1.70% Rate
CERTIFICATE OF DEPOSIT RELATIONSHIP REWARDS (Not applicable to CD Specials)
New Money Bonus (money not currently on deposit at EPCU) add .10
Loyalty Bonus add .10 to any CD with a loan balance of $15,000 or more.
No early redemptions on CD's with credit union when reinvesting.
No loyalty or new money bonus with rate matches. (Effective May 20, 2008, only matching local credit union).
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| Event Posts |
No Upcoming Events
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| Loan Rates & Applications |
Rates posted and effective 09/16/2008
CONTACT YOUR LOAN DEPARTMENT AT
Monroe: 734.242.3765 or 800.732.1921
Lambertville: 734.856.4029
E-Mail: loans@edpluscu.com
Basic Loan Application (home equity, auto, signature, rec. vehicles, etc.)
Debit Card Application
- New Vehicle Loans as low as 6.15% a.p.r. up to 72 months
- Used Vehicle Loans as low as 6.99% a.p.r. up to 72 months
- New Recreational Vehicle Loans as low as 8.00% a.p.r. up to 72 months
- Used Recreational Vehicle Loans as low as 8.25% a.p.r. up to 72 months
Loan rates = New purchases only - no refinancing of current EPCU loans.
HOME EQUITY LOANS
- As low as 7.25% a.p.r. up to 15 years (L34, L39) variable rate/variable payment
- As low as 6.00% a.p.r. up to 7 years (L43) - fixed rate/fixed payment
- As low as 7.00% a.p.r. up to 10 years (L33) - fixed rate/fixed payment
- As low as 7.00% a.p.r. up to 12 years (L45) - fixed rate/fixed payment
- As low as 8.00% a.p.r. up to 20 years (L42)- fixed rate/fixed payment
- As low as 8.00% a.p.r. up to 25 years (L46) - fixed rate/fixed payment Line-Of-Credit
- As low as 7.00% a.p.r. up to 144 months (L47) - fixed rate/fixed payment Line-Of-Credit
* EPCU Home Equity Loans have no application fees - appraisal fee and title insurance fee will be paid by member if applicable.
Home Equity Lines Of Credit: Interest rates for Home Equity Lines of Credit is based on the Prime Rate plus .25% rounded up to the nearest quarter percent. Interest rates are subject to change quarterly or annually depending on program chosen by member. Maximum variable rate for a Home Equity Line of Credit is 18% APR. EPCU does not require a down payment on home equity loans for qualifying borrowers. Maximum repayment shall not exceed 25 years. Contact your credit union loan officer for complete details about our Home Equity programs.
 We are an equal housing lender
VISA
Contact EPCU for VISA information or click on the Visa Application below:
VISA Application
CREDIT SCORING:
We now base loan approval and interest rate on credit score. The rates shown here are our standard rates that could be adjusted per applicant based on qualifying criteria. Please contact the credit union for details.
APR = Annual Percentage Rate
All rates accurate at time of posting and are subject to change.
WE OFFER:
Student Loans, Revolving Credit Loans, Boat Loans, Travel Trailer Loans,
Motorcycle Loans, and much, much more!!! Call for rates!
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| Products |
LOANS
Whatever your borrowing needs, Education Plus Credit Union can help....
- Car Loan Rates -- Visit our Loan Rates page for rate information. Education Plus Credit Union is a member owned, non-profit financial institution. Because of this, we can generally offer you better rates with no down payment for qualified borrowers.
- Loan Calculator -- Estimate you're monthly loan payment.
- Quick Loan Turn Around -- Usually less than 24 hours.
- Pre-Approved Loans -- So you can focus on the deal, not the financing. Before you shop, come to the Credit Union and get your loan pre-approved. The loan officer will help you figure out how much you can afford to pay and how much the payments will be. It’s like shopping with cash!
- Home Equity Loans - No application fee, appraisal fees may apply, easy application process.
"We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act".
Overdraft Protection
Overdraft Protection is a loan for your Share Draft (checking) account that will help you to cover an otherwise non-sufficient funds (NSF) check.
- Works like a line-of-credit loan that advances to cover an otherwise NSF draft.
- Will cost you nothing if you don't use it, an NSF draft WILL cost you.
- Can help you to establish credit for yourself.
- Can be paid in easy, low monthly payments.
Miscellaneous Loans
- Home Improvement Loans
- Signature Loans
- Student Loans
- Motor Homes, Motorcycles, Travel Trailers, Boats, RV's, Off-Road Vehicles.
All loans are subject to qualification of the borrower. Some fees and restrictions may apply.
SERVICE CENTERS
Service Centers are just like a branch of Education Plus Credit Union - you can do...
- Withdrawals, deposits, check cashing, loan payments, fund transfers, money orders, traveler's checks, balances, etc..
Visit a Service Center near you!
VOICE RESPONSE/HOMEBANKING
- Transfer funds from one account to another within your account.
- Find out share, loan and certificate rates.
- Inquire about account information, account balances, cleared drafts, etc.
- Toll-free number for Voice Response.
For access to Voice Response or Homebanking, contact the Credit Union for an activation card and password.
VISA
- Visit our Loan Rates page for rate a Classic and Platinum Plus VISA application.
- No Annual Fee, Purchase Protection, 25 Day Grace Period, No Fee Cash Advances, Common Carrier Insurance, 24 Hour Cash Access at VISA ATM's Everywhere!
Contact your Credit Union Loan Department for complete details!
SAVINGS ACCOUNTS
All Credit Union deposits are insured by the National Credit Union Association (NCUA)
You may achieve and retain membership with Education Plus Credit Union as long as you maintain an active account with a minimum $5 share deposit..
- Regular Shares
- All Purpose Shares
- Holiday Savings Club
- PLUS and Liquid Gold Account
- Share Draft (Checking) Account
Please contact us for complete details about our accounts or to obtain a copy of our Truth-In-Savings brochure which includes our entire fee structure.
OTHER CREDIT UNION SERVICES
- Debit and ATM Cards with 24 hour, international access to your accounts.
- Payroll Deduction/Direct Deposit
- Money Orders
- FREE VISA Travelers Checks for Education Plus Credit Union members.
- Free Notary Public Service for Credit Union members
- Night Depository
- Drive Through Service
- Wire Transfers
- Automatic Loan Payments
- Discount Amusement Park Tickets available at all Education Plus Credit Union offices.
- Discount AAA Auto and Homeowners Insurance: 1-800-222-6424
- Discount Hertz Car Rental: 1-800-654-2200 - CDP #430139
- Discount Insurance programs: Contact the Credit Union for complete details
NOT LIABLE FOR CONTENT OR AVAILABILITY OF LINKED SITES.
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Program and Design by Computer Works of Monroe, Inc.
