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OFFERS |
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REGULAR SHARES
A REGULAR SHARE ACCOUNT IS OPENED WHEN YOU
JOIN THE CREDIT UNION. THIS IS YOUR PRIMARY
ACCOUNT THAT MUST MAINTAIN A $5.00 BALANCE
AT ALL TIMES. DIVIDENDS ARE PAID ON BALANCES
OF $100.00 AND ABOVE. THERE IS A $1.00 FEE
WHEN MORE THAN THREE WITHDRAWALS ARE MADE IN
ONE MONTH.
SPECIAL SHARES (MONEY MARKET)
A BALANCE OF $2000.00 OR MORE IN THIS
ACCOUNT PAYS A HIGHER DIVIDEND. BUILD UP TO
YOUR $2000.00 BALANCE OR USE THIS ACCOUNT
FOR ANY "SPECIAL" REASON OF YOUR OWN. THERE
IS A $5.00 FEE WHEN MORE THAN TWO
WITHDRAWALS ARE MADE IN ONE MONTH.
SHARE DRAFT
YOUR CREDIT UNION OFFERS "FREE" SHARE DRAFT
ACCOUNTS FOR ITS MEMBERS. WITH NO MINIMUM
BALANCE REQUIRED AND OVERDRAFT PROTECTION
AVAILABLE THROUGH SHARE TRANSFERS OR LOAN
ADVANCES. STATEMENTS OF YOUR ACCOUNT ARE
PROVIDED ON A MONTHLY BASIS.
CHRISTMAS CLUB
THIS IS A SHARE ACCOUNT ESPECIALLY DESIGNED
FOR YOUR CHRISTMAS SAVINGS. DEPOSITS CAN BE
PAYROLL DEDUCTED OR MADE IN PERSON AT
ANYTIME DURING THE YEAR. CHRISTMAS CLUB
CHECKS ARE ISSUED IN NOVEMBER JUST IN TIME
FOR HOLIDAY SHOPPING. THERE IS A $5.00 FEE
ON ANY EARLY WITHDRAWAL.
VACATION CLUB
THIS IS A SHARE ACCOUNT DESIGNED TO HELP YOU
SAVE FOR YOUR VACATION PLANS. DEPOSITS CAN
BE MADE BY PAYROLL DEDUCTION OR IN PERSON
ANYTIME DURING THE YEAR. YOU MAY MAKE TWO
WITHDRAWALS PER CALENDAR YEAR. THREE OR MORE
WITHDRAWALS WILL INCUR A $5.00 FEE PER
WITHDRAWAL.
PAYROLL DEDUCTION
YOU MAY CHOOSE TO HAVE A SET AMOUNT DEDUCTED
FROM YOUR METRO PAYROLL CHECK. PAYROLL
DEDUCTION IS AN EASY WAY TO SAVE MONEY THAT
OTHERWISE MAY NOT BE CONSIDERED FOR SAVINGS.
PAYROLL DEDUCTION CAN BE MADE TO ANY OF YOUR
NGH SAVINGS, CHRISTMAS, SPECIAL, SHARE DRAFT
OR ANY FAMILY ACCOUNT AT THE CREDIT UNION.
DIRECT DEPOSIT
YOU MAY ELECT TO HAVE DIRECT DEPOSITS INTO
ANY OF YOUR CREDIT UNION ACCOUNTS FROM MANY
SOURCES, SUCH AS YOUR EMPLOYER, PENSION,
SOCIAL SECURITY, MILITARY, ETC.
FAMILY ACCOUNT
BECAUSE YOU ARE AN EMPLOYEE OF GENERAL
HOSPITAL, BORDEAUX LONG TERM CARE, ANOTHER
METRO HEALTH CARE FACILITY, OR ANOTHER
APPROVED SELECT EMPLOYEE GROUP, YOUR ENTIRE
FAMILY IS ALSO ELIGIBLE FOR NGH CREDIT UNION
MEMBERSHIP AND ARE ENTITLED TO THE SAME
SERVICES AVAILABLE TO YOU.
TEACH YOUR KIDS THE FUN AND IMPORTANCE OF
SAVING AND WATCH THEIR MONEY GROW.
INDIVIDUAL RETIREMENT ACCOUNT
AN IRA ACCOUNT ALLOWS YOU TO DEFER TAX
DOLLARS WHILE YOU SAVE FOR YOUR RETIREMENT
YEARS. IRA'S ARE A SOLID INVESTMENT FOR YOUR
FUTURE. DIVIDENDS ARE COMPOUNDED QUARTERLY.
THE MAXIMUM ANNUAL INVESTMENT FOR AN IRA IS
$4,000 OF EARNED INCOME FOR AN INDIVIDUAL
FOR THE YEARS 2004 THROUGH 2007.
CERTIFICATES OF DEPOSIT
NGH CREDIT UNION OFFERS COMPETITIVE RATES ON
6 TO 60 MONTH CERTIFICATES. WE HAVE A
MINIMUM OF ONLY $500 DEPOSIT FOR ANY OF OUR
CERTIFICATES. SO, BUY SEVERAL AND STAGGER
YOUR MATURITIES! COMPOUNDED MONTHLY OR
TRANSFERRED TO REGULAR SHARES
LOANS
WE HAVE MANY DIFFERENT KINDS OF LOANS. SHARE
SECURED, SIGNATURE, NEW AND USED AUTO LOANS,
AND REAL ESTATE SECURED LOANS. ALL LOANS
DECISIONS ARE BASED ON THE MEMBERS CREDIT
HISTORY AND THEIR ABILITY TO REPAY THE LOAN.
LOAN PAYMENTS MAY BE PAYROLL DEDUCTED FOR
YOUR CONVENIENCE. PLEASE CALL OR COME BY ANY
CREDIT UNION OFFICE FOR CURRENT RATES ON ALL
OUR LOANS.
ADDITIONAL SERVICES OFFERED
AMERICAN EXPRESS TRAVELERS CHECKS, TRAVELERS
EXPRESS MONEY ORDERS, CASHIER CHECKS, FREE
NOTARY SERVICE, VISA GIFT CARDS, CARMIKE
MOVIE TICKETS, OCCASIONAL TRAVEL/LODGING
DISCOUNTS, AND A VARIETY OF INSURANCE
PRODUCTS AT GROUP RATES. |
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