iQ Credit branches closed Monday, Labor Day
iQ Credit Union will be closed Monday, September 6th, in observance of the Labor Day holiday. We will resume operations on Tuesday, September 7th.
We are available 24-7 online at www.iQcu.com, through our VIP teller line at (360) 694-5463, ATM Kiosks at select 7-Eleven locations and through the Co-Op network of over 25,000 fee free ATMs nationwide.
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You must "Opt In" for overdraft service on your debit card
As of, August 15, 2010*, you must request to have your everyday debit card purchases at grocery stores, gas stations, pharmacies and so on, as well as your ATM transactions, be covered automatically by Card Overdraft Protection services. That means if there is not enough money in your account or if the funds are not yet available, your card will be denied.
If you want to keep Card Overdraft Protection service on your account for your everyday debit card purchases and ATM transactions, you will need to specifically request it. Click here for more information.
If you have not yet given us your opt-in request, click here or call us at 360.695.3441 or come in to your local branch.
*As of August 15, 2010, we will not authorize and pay overdrafts on ATM and everyday debit card transactions without account holder consent. An overdraft (OD) fee or insufficient funds (NSF) fee of up to $28.00 will be charged for covering overdrafts. Other types of Overdrafts may also be created by check, ACH, online banking transactions, phone transactions or other electronic means and do not require your opt-in consent.. Once an overdraft has occurred you are required to bring your account to a positive balance within 30 days. We reserve the right not to pay if your account is not in good standing. Contact us if you have questions.
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Vehicle loan rates as low as 2.99% APR*
iQ Credit Union has an auto, boat and RV loan with your name on it. And the more iQ services you use — including automatic loan payments, direct deposit, free eDelivery and iQ VISA — the lower your rate. As low as 2.99% Annual Percentage Rate. Certain rules apply.
NEW & USED AUTOS, RECREATIONAL VEHICLES, APR = Annual Percentage Rate. Offer valid on new or used vehicle purchases and auto loans from another financial institution. All rates and terms are subject to credit approval and must close before October 31, 2010. The following conditions apply: The interest rates as stated above will be discounted if you have certain additional services with the credit union. Your rate will be .25% APR lower for each of the following services provided you meet the required conditions of that service. All conditions must be met prior to loan funding. 1) Automatic Loan Payment from iQ Credit Union Checking Account: The loan payment for the vehicle loan must be enrolled for an automated loan payment from your iQ Credit Union Checking Account. 2) eDelivery: You must be enrolled in eDelivery to receive periodic statements and notices regarding your Account. 3) Direct Deposit: Your wages must be directly deposited from your employer or retirement pay to your iQ Credit Union Checking Account. Automated Clearing House (ACH) transfers from other financial institutions do not qualify. 4) Active iQ Credit Union VISA Credit Account: In order to qualify, you must have had purchase or balance transfer transactions on your iQ Credit Union VISA Credit Account in the last 31 days. No refinances of existing iQ Credit Union loans allowed. Discounts are calculated at time of loan funding. Services added at a later date will not result in additional discounts. The maximum possible interest rate discount is 1.00% APR.
New and newer used auto loan rates before discounts: 3.99% to 16.95% Older used auto loan rates before discount up to 17.99%. Recreational vehicles rates before discount 5.99% to 16.64%.
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Are your friends and family members iQ?
Bring in a new member and you each get two movie tickets — free.
Add a new member to the iQ* free checking family and you each receive a pair of movie tickets — free! It’s a great time to let your friends, family and co-workers know about the time- and money-saving services from iQ Credit Union. As our way of saying thanks, every friend or family member you get to sign up and open a checking account earns you each a pair of movie tickets. Just print out and complete the referral form, bring it by any branch office. Share the love and snag a free pair of movie tickets.
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Home sweet home is more affordable than ever.
Save up to $350 on closing costs.
If you’re in the market for a home, there’s never been a better time to buy. Rates are at an all-time low. Homes are plentiful. And iQ Credit Union has money for mortgages. Apply today and we’ll pay for your closing costs — up to $350! With interest rates at historic lows, the time to buy is now.
iQ Credit Union has money for mortgages.
Ready for a new home to hang your hat? We offer a variety of financing options, including fixed- and adjustable-rate mortgages, reverse mortgages and more. We also offer new construction loans and special programs for first-time buyers. And because we know how you hate to wait, the entire process from pre-approval through final paperwork moves quickly.
Save up to $350 on closing costs.
Mortgage Bundle: We will waive $350 in closing costs for members who have an iQ Credit Union Checking Account with Direct Deposit:
Eligible Loan Types: First Mortgage Residential Liens (1 -4 Family Dwelling) closed through iQ Credit Union Mortgage Department.
Ineligible Loan Types: Construction, Member Business Loans, 2nd Mortgages, and Smart Equity Lines of Credit.
Qualifications:
Checking Account with Qualifying Direct Deposit: 1) Checking Account must have a positive balance. 2) Your wages must be directly deposited from your employer or retirement pay to your iQ Credit Union Account. Automated Clearing House (ACH) transfers from other financial institutions do not qualify. 3) Direct deposit must have posted to iQ Credit Union Account within the last 31 days or confirmation is received that Direct Deposit will post to iQ Credit Union account in the next 31 days.
To apply for home loan, click here, call the Member Service Center at (360) 695-3441 or stop by any branch office
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Changes to your statement
As part of recent consumer protection regulation your statement has been redesigned to promote the informed use of consumer credit. We have created this brochure to help you better understand where you can find specific account information on your newly designed statement.
If you have questions or need help reading your statement, please visit any branch or call our Member Service Center at 360.695.3441
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Get in touch with eAlerts
With eAlerts, you’re always in touch with your Credit Union accounts. eAlerts are free, electronic messages about recent account activity delivered by e-mail or text message to your cell phone. Get alerted when:
- Your account balance goes above or below your preselected amount
- A debit(s) occurs
- Daily balance update
- A payment posts
- Your Line of Credit is accessed
eAlerts are Fast and Free
The eAlert service monitors your account 24 hours a day and periodically (usually every 30 minutes) sends notification of account events you’ve selected. It’s faster than the mail – and it saves you from finding out on your own. There’s no fee for the eAlert service and there is no limit to the number of eAlerts you can select.
Sign up for eAlerts now! Then, log in to your account using Online Banking to set up and activate your alerts. It’s that simple! What are you waiting for? Sign up today!
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Summer driving tips
“To purchase or not to purchase the Rental Car company coverage” — that is the question. We know the fees seem unreasonable, but we recommend you purchase the coverage especially for short trips. Your auto policy does extend to a rental car, but there are some fees that are not covered. If there is an accident the rental agreement may obligate you to pay for their lost revenue for the time the car is in the repair shop, compensation for lost value of car due to accident, administrative fees, etc..
Moving.
Check with your auto carrier. Depending on the size of the vehicle, your auto policy may or may not extend coverage.
Visitors borrowing your vehicle.
Friends and family in town for a visit and want to borrow your car. They are covered under your policy. Just remember, when you “loan” your car you “loan” your insurance. Your insurance is primary on your vehicle. Their insurance may be secondary in some cases.
Purchasing a Vehicle.
We have received a number of inquiries regarding “salvage title vehicles” which means the car has been in an accident considered “totaled” by the insurance company. This means it would have cost more to repair the car than replace it with the same year, make and model. Someone has purchased the vehicle, repaired
it and wants to sell it. Some insurance companies will not insure these vehicles, some companies will insure them for liability and personal injury only and some will insure with comprehensive and collision, but may discount the amount they will pay for repairs due to the salvage title. Be sure to contact your insurance company before purchasing.
For more information on auto insurance or purchasing a new or use vehicle. Contact
Claudia Fredricks
Nies Insurance
Van Mall Branch
360.418.4434
Claudia@niesinsurance.com
Rachel Loper
Nies Insurance
Fisher’s Landing Branch
360.604.5217
Rachel@niesinsurance.com
Sean Moore
Auto Mentors
Van Mall Branch
360.418.4449
sean.moore@automentors.com
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