Accounts

At St. Pat’s Employees Federal Credit Union, we offer many different types of accounts, suiting needs of all different kinds. Check out some of what we offer below:

Regular Share Accounts

A regular share savings account offers safety and convenience, with competitive yields and no limitations on deposits and withdrawals. A $5.00 deposit into your Share Account establishes your membership and enables you to take advantage of all our other financial services.

Term Share Certificates

When you invest in a Term Share Certificate (similar to CD’s), your money will earn a highly competitive interest rate. Since you lock in the rate for the entire term of your Term Share Certificate, this is an excellent way to boost your savings yields without the risk of market fluctuations. read more

Budget Share Accounts

Budget share savings help you handle those large periodiac expenses, such as insurance premiums or taxes, by setting aside some each pay day through direct deposits.

Christmas Club Accounts

Our Christmas Club Accounts allow you to save gradually for all those extra costs during the holidays. With regular contributions and competitive dividends, your nest egg will grow quickly and easily. Direct Deposit makes it easy. …read more

ACH Transfers

Save a trip to the credit union, we can now transfer from your savings at the credit union to your checking account. First step is completing an authorization form and returning to the credit union. Member ACH Authorization Form

Savings Federally Insured up to $250,000

All our savings accounts are insured up to $250,000 by the NCUA, a federal agency. For more information, click on http://www.ncua.gov.

Loans

Low-cost loans are one of the greatest benefits of credit union membership. Whether you are financing your first car, recreational items, home repairs, debt consolidation, or medical costs. Let your fellow members provide your credit needs.

New and Used Auto Loans
Motorcycles & Recreational Items
Consolidation Loans
Personal Loans
Line of Credit Loans
Christmas Loan Special (available only from October to December)
for currant loan rates

Direct Deposit and Payroll Deduction

Money management is simple and automatic with these two free services:

Direct Deposit – Your paycheck ( or a portion), Social Security check, pension or government payment can be electronically deposited directly into your credit union account. With Direct Deposit your money is available sooner, and you’ll never have to worry about a lost or stolen check. ProvConnect Setup Info

Payroll Deduction – This great service lets you specify a portion of your paycheck to be deposited into different accounts, enabling you to save or pay back loans automatically.

Other Services

Money Orders

Visa Gift Cards read more…

Visa Prepaid Debit Cards read more…

Pre-Authorized Transfers….Member ACH Authorization Form

Wire Transfers