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MasterCard
Access to your personal credit card account information is now available to you 24 hours a day online. Visit ezcardinfo
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FIXED RATE as Low as 8.9% APR*
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0% APR* Introductory Rate on all purchases for the first 6 months
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NO ANNUAL FEE
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NO FEE CASH ADVANCES when taken at the Credit Union
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NO FEE CHECKING WITH MasterCard
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PAYMENTS CAN BE MADE AT THE CREDIT UNION
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CREDIT LIFE & CREDIT DISABILITY INSURANCE AVAILABLE
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MONTHLY MINIMUM PAYMENT:
3% OF YOUR TOTAL NEW BALANCE OR $20 WHICHEVER IS GREATER
Stop paying 18%-22% interest on bank and department store credit cards! Bay Shore Credit Union's low, fixed rate MasterCard is convenient, easy to use and, accepted worldwide!
No application fee
24 hour lost or stolen card reporting service
No transaction fee for purchases
Average Daily Balance Method used to compute the balance for
Purchases
Late Payment Fee:$15.00
Over-the-Credit Limit Fee: $10.00
$250,000 of Travel Accident Insurance protection
Cash advances through ATM's
25 day grace period on all new purchases
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ATM/Debit Card
This is the card to carry. it has all the great features of a credit card - flexibility, worldwide acceptance, and safety. Yet it acts as a check, with purchases deducted directly from your share draft account. Every transaction appears on your monthly share draft account statement with dates, amounts, and merchant names or locations.
You may also use your Card 24 hours a day at automated teller machines. Just insert your Card into the ATM, enter your PIN and follow the easy-to-understand instructions that appear on the screen.
This is the checking-withdrawing-transferring funds card all in one!
Stop by or call the Credit Union for an application or for more information.
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Share Draft Account
Check out our share draft account.
With a minimum daily balance of $500.00, direct deposit of Social Security retirement checks, or if you have an active Bay Shore Credit Union MasterCard, the $2.00 monthly service charge may be waived.
Up to 30 checks can clear the share draft account in a month. A $0.10 fee is charged for each check in excess of the 30 during the month.
Free Checks (Limited selection) are offered with direct deposit of Social Security retirement checks.
Free Audio Response SPEEDY LINE - 24-hour access to account balances with touch-tone phone.
Free WEB VISION (on-line member services) 24-hour access to your accounts. You can view your account balances and transaction information, transfer funds, make payments and apply for a loan through the internet. It makes it easy to manage your accounts anytime and anywhere.
Write checks with confidence with overdraft protection.
Call the Credit Union for more information.
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TRAVELERS CHECKS
Travelers cheques make traveling safer and easier by not having to carry large amounts of cash. Bay Shore Credit Union offers MasterCard Travelers Cheques from American Express, which is the second largest issuer of Travelers cheques in the world. These travelers cheques work like any other. There is a fast, convenient, 24-hour, toll-free refund service and hand delivered refunds are available. They are welcomed and recognized at over 10 million retail locations worldwide. You can accept them with confidence.
MasterCard Travelers Cheques are available as follows:
One signature Travelers Cheques - No Fee
Two signature Travelers Cheques - $1.00 Fee per $100.00 in cheques
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Money Orders
If you need to send cash, money orders are a safe alternative. Mailing money orders rather than cash gives you peace of mind in knowing that if they are lost, stolen, or destroyed they can be traced and/or refunded. Bay Shore Credit Union offers Travelers Express Money Orders.
$0.60 Fee per Money Order
Maximum of $1000.00 per Money Order
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Savings Bonds
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Series EE Bonds - are purchased at one-half the face value
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Series I Bonds - are purchased at full face value
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For more information, contact Bay Shore Credit Union.
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Kids Club - Join today!
Kids make great members!
Saving is Fun!
Kids accounts Available:
Share/Savings Accounts
Custodial Accounts
Share Certificates ($100. minimum)
Club Accounts
Savings Bonds
Kids will receive:
Birthday Cards
Kids Newsletters
Stickers
Special Treats
Kids passbooks
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Christmas Club
Our Christmas club starts on October 1st of each year and runs through September 30th. Daily dividends are paid on September 30th of the current year and funds are automatically transferred to share savings account unless members request other arrangements.
Fees could reduce the earnings on the account. Call the Credit Union for additional information.
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Student Loans
We offer Federal Stafford loans for students and Federal PLUS loans for parents.
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Fast turnaround on your loan application
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Free telephone or web access to your loan information
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Personal assistance that you've come to expect from your credit union
Financial Aid Process Checklist:
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Pick up a Free Application for Federal Student Aid (FAFSA). The forms are available from high school guidance offices and college financial aid offices. You can even get a copy from the Department of Education's web site at http://www.ed.gov
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Complete and submit your FAFSA. In 4-6 weeks (less if your apply on line), you'll receive the results, called a Student Aid Report (SAR).
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Sign the SAR to confirm that the information is correct, and take or send it to your college's financial iad officer. Your school will determine what aid you qualify for and notify you in an award letter.
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Accept your financial aid package or speak to a financial aid officer about any special circumstances you might have.
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If your school awards a Federal Stafford loan (either subsidized or unsubsidized), come to your credit union for an application.
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HOMEWARD BOUND Share Account
This account was designed exclusively for the purpose of helping members purchase a home. This savings account offers an exceptional, high-yielding rate to help newlyweds, graduates, or any first-time homebuyer acquire a down payment.
When you open the account, you are automatically registered at Bay Shore Credit Union for celebrations such as holidays, a birthday, your wedding, a shower or any other special occasion. You can present Homeward Bound cards to your friends and family, and they can make deposits to your account.
When you reach your goal, we will pay $100.00 toward your closing cost when you finance your mortgage with Bay Shore Credit Union. Of course, certain restrictions apply.
Rate Information: The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union Board of Directors.
Compounding and Crediting - Dividends will be compounded every month. Dividends will be credited to your account every month.
Minimum balance requirements: The minimum balance required to open this account is $100.00
Transactions limitations: After the account is opened you may make unlimited deposits to the account. Withdrawals may be made to purchase a home (must present your Purchase and Sales Agreement).
Early withdrawal: A penalty may be imposed for withdrawals if funds are not being used to purchase a home. The penalty we may impose will equal 90 days dividends on the amount withdrawn.
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First Mortgage Loans - One of the most important Bay Shore purchases you will ever make will be the purchase of your home. Let Bay Shore Credit Union make this an enjoyable experience for you! Real estate may be used as collateral to secure a loan if the property is located in Marinette or Oconto county, WI or Menominee County, MI.
When you take out a mortgage at the Bay Shore Credit Union, you automatically receive free products and services, including:
- A free, interest-bearing checking account with no monthly service charge. Dividends earned on all days with a balance of $1000 or more.
- Free use of a 3X5 Safe deposit box for one year.
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