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Member
Services
North Valley Credit Union provides a full range of services to our
members. We offer many chequing accounts,
investment opportunities, cards, electronic banking, lending and many general services.
Chequing
Accounts
Personal Chequing Account:
A convenient chequing account provides Members with a fast and simple
way of paying those monthly bills and day-to-day expenses and purchases.
Special accounts are available for Societies, Clubs, Churches and
Organizations. If you have never operated a chequing account, our
staff will be pleased to show you how easy it is.
....Check the Advantages:
- Deposits
- no service charge.
- Deposits
accepted by mail.
- Transfer
funds from one account to another, in person or by phone.
-
Free statements available listing all transactions in your Personal
Chequing account along with your cancelled cheques.
- Personalized
cheques on personal accounts - you can order cheques from a selected
number of colours and designs, receive a cheque-writing register
to keep track of cheques and deposits and a cheque holding wallet
to complete the package.
- Business
cheques available.
- MasterCard
application available on request.
- Several service packages to choose from to suit your needs.
- MemberCards available on application.
- Members
are provided with an unlimited Guarantee of their savings and
deposits by the Credit Union Deposit Guarantee Corporation.
Revolving
Credit:
- (Line
of Credit): is an ongoing loan you can draw on any time, simply
by writing a cheque. It is a pre-authorized credit limit that
allows you to draw funds as you need them, without the time or
trouble it takes to arrange separate loans.
- Your
personal cash flow needs will indicate your Line of Credit limit requirements.
- A
Line of Credit assures you of ready cash when you really need
it, and offers protection against accidentally overdrawing your
chequing account and having cheques returned.
- You
pay interest only on the amount of money you owe for the time
you owe it.
- When
you are not using your Line of Credit, it costs you absolutely
nothing.
- Deposits
to the chequing account are your payments to the Line of Credit.
- Your line of credit can be accessed using your MemberCard.
- A
loans officer will help you apply for a Line of Credit to suit
your needs.
Golden
Account
(Senior’s Account Package – 60 years old)
Monthly Fee - $5.95
- 25 Free Debit Items
- Free MemberDirect Access
- Money Orders
- Traveller’s Cheques
- Stop Payments
- Monthly Statements
- Assisted Transactions
- Free Deposits
- Utility Bills
CUPAC
(Package available on Personal Chequing &
Personal Maximizer accounts only)
Monthly Fee - $9.95
- 30 Free Debit Items
- Free Member Direct
- Free Deposits
- Utility Bills
CUPAC - PLUS
(Package available on Personal Chequing &
Personal Maximizer accounts only)
Monthly Fee - $13.95
- 35 Free Debit Items
- Free MemberDirect
- Free Deposits
- Utility Bills
- Free Rental on a Small Safety Deposit Box
($31.80 value)
PREMIUM - PLUS
(Package available on Personal Chequing &
Personal Maximizer accounts only)
Monthly Fee - $21.95
- Unlimited Debit Items
- Free MemberDirect Access
- Personalized Cheques (1 order per year)
- Money Orders
- Utility Bills
- Traveller’s Cheques
- Stop Payments
- Certified Cheques
- Free Rental on a Safety Deposit Box
($50.35 value)
$5,000 LOC (OAC)
- 1 Free Loan Application Fee per yr.
($25.00 value)
CHARITABLE ORGANIZATIONS
(Registered Charities Only)
Monthly Fee - NO FEE
- Unlimited Debit Items
- Free Utility Payments
COMMUNITY ACCOUNTS
(Non-Registered Charities, Recreational/Service Clubs,
Societies/Non-Profit Organizations)
Monthly Fee - $5.95
- Unlimited Debit Items
- Free Utility Payments (organization name only)
YOUTH ACCOUNTS
Monthly Fee - NO FEE
- 25 Free Debit Items
- Free MemberDirect Access
- Regular ATM Interac and Cirrus fees apply
- Parent or guardian must sign
- Term Deposit minimum $100.00
GRADUATE ACCOUNT
(Post-secondary students 19-26)
Monthly Fee - $5.95
- 25 Free Debit Items
- Free MemberDirect Access
- Regular ATM Interac and Cirrus fees apply
- Full time enrolment is defined as 60% of regular course load
Top of Page
Fat Cat:
Fat Cat account holders take pride in watching their savings grow from a very early age. A youngster will quickly learn that putting money aside can help them achieve future goals - perhaps a home computer, new bike or CD player. They'll begin to see the value in making further deposits of their own from allowances or part-time jobs.
- Account is available to members up to and including age 12.
- No minimum balance is required.
- Interest is calculated on a daily basis and paid to the account monthly.
- No services charges are levied on this account.
- Chequing privileges and ABM privileges are available with guardian or parent signature on this account.
- A statement will be provided monthly.
Special Savings:
A great place to save money for a particular purpose. It earns a competitive rate of interest and you can withdraw funds at any time.
- Interest is calculated on the minimum monthly balance and paid semi-annually, June 30 and Dec. 31, or upon closing a membership.
- Interest rates may change without notice.
- Monthly statement only when transactions occur.
Plan 24:
This is an account for Members who make frequent deposits and withdrawals. No matter how much money is in your account, or how long it stays there - it earns interest every day it's on deposit.
- Interest is calculated on your daily closing balance, and credited monthly or upon closing of membership.
- No minimum balance is required.
RRSP and RRIF:
A Registered Savings Plan is designed to help you save effectively for a financially secure retirement.
- Minimal fees for a transfer out or a redemption.
- Competitive interest rates.
- A choice of Variable Rate or Fixed Rate plans.
- RRSP contributions can increase your tax deduction and provide you with continuous tax free earnings on your savings.
Term Deposits:
- Term deposits are for savings you are able to set aside for specific periods of time. Terms for one year or less can help meet your immediate goals. One to five year terms let you save for the future to build security. Pick the term that lets you have your money ready when you need it.
- An UNLIMITED GUARANTEE of deposits by the Credit Union Deposit Guarantee Corporation.
- Competitive rates
- Interest rates are guaranteed for the duration of the term.
- T-5 slips are issued yearly on interest received.
- In the event of death, the deposit may be withdrawn upon receipt of the required documentation and at the request of the authorized
representative of the deceased Member. Interest is paid at the contracted rate to the date of withdrawal.
1. Long Term Deposits:
- Terms available - 1-5 years.
- Minimum deposit of $1,000 and multiples of $100 thereafter.
- Minimum deposit of $500 for trust accounts.
- Interest is normally paid annually and is usually credited to one of your accounts at the Credit Union.
- Term deposits are non-redeemable and redeemable, redeemable may be withdrawn before completion of the stipulated term at a discounted rate and a $5.00 penalty.
- Upon maturity, term deposits will automatically be renewed for a like term at current rates, unless otherwise instructed by the depositor.
- Compounding term deposits are also available.
2. Short Term Deposits:
- Terms available - 30 - 364 days.
- Minimum deposit of $1000.
- Interest is calculated at the end of the term and credited to one of your accounts at the Credit Union.
- Upon maturity, term deposits will automatically be renewed for a like term at current rates, unless otherwise instructed by the depositor.
- Compounding Short term deposit are also available.
Lost
Membercard Call your branch:
Esterhazy:
(306)745-6615
Stockholm: (306)793-2171
Toll Free 1-866-533-NVCU (6828)
Lost
MasterCard call:
Phone
1 800 LOST - 111 ~ 1 800 567 - 8111
Outside Canada, call collect: 1 (306) 566 - 1276
 Membercards:
- withdraw
cash - up to $800.00 per day.
- no
limit to number of withdrawals per day.
-
make deposits at any Acculink automated teller. Deposits are verified
the next business day at which time you will be able to access
the deposited amount.
- make
up to date account inquiries.
- transfer
money to and from accounts within the same membership.
- use
your Member card at any direct debit or Point of Sale terminal.
- If
your card is lost or stolen, notify your Credit Union immediately
and a new card will be issued. The missing card cannot be used
without the PIN #.
MasterCard
- Global Payment - Debit Card:
- When
you use your Global Payment MasterCard, the purchase amount is
withdrawn from your chequing account at the Credit Union.
- Use
your Global Payment MasterCard to access a line of credit attached
to your chequing account.
- Can
use your card at the over than 330,000 ATMs worldwide to access
cash. It's like taking your chequing account wherever you go.
-
Your Global Payment MasterCard provides the following benefits:
-
Purchase Protection Insurance - Most purchases you make with
your Global Payment MasterCard are automatically insured against
theft or damage for a full 90 days from the date of purchase.
-
Extended warranty Insurance - Double the original manufacturer's
warranty up to one extra year on most items you purchase with
your Global Payment MasterCard.
- Global
Access - Shop with ease at over 14 million merchants in the
world that accept MasterCard.
-
$1,000 Accidental Death Insurance - Provided to cardholders.
-
$100,000 Travel Accident Insurance - You and your immediate
family are covered for up to $100,000 when you pay for travel
tickets with your Global Payment MasterCard.
-
Master Road Assist - Global Payment MasterCard provides 24
- hour roadside assistance anywhere in Canada or the continental
U.S. at preset reasonable rates.
- Take
5 Travel Rebate Program - Receive a 5% rebate when you use
your Global Payment MasterCard to purchase airfare or a registered
cruise or package vacation at Canadian Travel Co-op.
CU
MasterCard Credit Card:
- Credit
card registry, extended warranty, purchase protection and trip
cancellation insurance.
- $100,000
travel accident insurance, Master Road Assist roadside assistance
and emergency card replacement.
- "Take
5" - 5% travel rebate through Canadian Travel Co-op.
- Accepted
at over 14 million locations worldwide.
- (Optional)
Earn points with every purchase towards valuable merchandise,
package vacations and travel certificates with Choice Rewards.
 MasterCard
Gold:
- $1
million Blue Cross Out-of-Province/Country Medical Insurance.
- $3,000
trip cancellation insurance.
-
Purchase protection insurance.
- Extended
warranty insurance.
- MasterTrip
travel protection.
- MasterRental
Collision Insurance.
- Out-of
-Country legal assistance.
-
Global acceptance at 14 million locations.
-
Optional Choice Rewards Points Program.
Choice
Rewards:
- Earn
valuable points every time you use your CU MasterCard credit card.
- Points
are redeemable for brand name merchandise, exciting travel packages
and travel certificates.
Electronic
Banking
ABM (Automated Banking Machine)
- Located
in Esterhazy at the main branch.
POS
(Point of Sale)
- Use
your Membercard like cash at any merchant who takes Direct Payment.
PAP
(Preauthorized Payments)
- Have
money from another financial institution credited to your account
at the North Valley Credit Union.
Member Direct Internet
General
Services
Safety Deposit Boxes:
- Secure storage facilities for your valuables.
| Size |
Price
Per Year |
| 1.5" x 5" |
$30.00
+ GST |
| 2.5" X 5" |
$35.00
+ GST |
| 3.25" X 5" |
$37.50
+ GST |
| 5.5"
X 5 " |
$47.50
+ GST |
Traveler's
Cheques:
- American
Express.
- Canadian
and American Dollars.
Money
Orders:
- Denominations
up to $1000.00 Canadian and $1,000.00 US.
Bank
Drafts:
- For
amounts more than a money order limit.
- Available
in all foreign currencies.
Foreign
Currency:
- US
cash usually on hand but we can order in almost any currency if
you let us know ahead of time.
Bill
Payments:
- pay
most utility and selected other bills either in person, through
the ATM or from home on our new Member Direct home banking system.
- set
up Sask Tel, Sask Energy and Sask Power to automatically debit
your account.
All
trademarks are owned by Credit Union Central of Canada and used under
license.
HANDS AND GLOBE design is a registered certification
mark owned by the World Council of Credit Unions and used under license.
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