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Savings Services
Savings Services Basic Overview
Desert Sage FCU offers a variety of savings/investment services to help our member meet their financial goals. The following types of accounts are available at the credit union:

Regular share (savings)
accounts Our most basic savings account is our regular share account. This account allows members easy deposit/withdrawal access. Funds are liquid with minimal deposit/withdrawal restrictions. A $50.00 minimum balance is the only requirement, and all of our members are required to maintain a regular share account to enjoy the benefits of credit union membership. Balances of $100.00 or more may receive dividends. The account pays a competitive dividend (interest) rate which is paid quarterly and subject to change. Deposits can be made through a variety of methods including electronic deposits, mail deposits, office visits, and/or payroll deduction.

Share Draft (Checking)
Accounts Say goodbye to your old checking account and say hello to a new share draft account. Our share draft accounts require no minimum balance, no per check charge, and no monthly service fees. We also offer debit cards with share draft accounts to qualifying members.

Merchant Accounts
Merchant accounts are used by businesses to process credit card payments and check/ach payments.  We offer two reliable options for small business owners who wish to process payments at their retail establishments.  For small businesses who want to process credit card cards, they can go to credit cards processor.  For ACH and E-Check processing, we recommend ETelCharge ACH & Echecks.

Share Certificates Accounts
Discover why an investment into a credit union Share Certificate is a smart investment. Similar to bank certificates of deposit, the account pays much higher dividends than regular share accounts and funds are deposited for a prescribed period of time. Share Certificate Accounts are term investments which pay higher dividends. Unlike regular share accounts and club accounts, Share Certificate Accounts are restricted from regular deposits and withdrawals. A variety of time frames are available to help meet out members needs. Dividends may be deposited into credit union share accounts or may be compounded into the balance of the share certificate. Share certificates may be closed early but will incur a penalty for early withdrawal. Members are notified of upcoming maturities. We do not practice automatic renewal of our members Share Certificates.
 
Loan Services
Personal loans
Personal loans are granted without collateral. The maximum limit is $5,000 per member, however individual limits are largely determined by gross monthly income and credit history. Eligibility and limits, O.A.C.

Share Secured
Share/Share Certificate Secured, Partial share/share certificate secured loans

These are a type of secured loan. Member pledges shares or share certificates for the full or partial balance of the loan. The funds held will be reduced as the loan balance reduces. O.A.C.

New/Used Cars, Motorcycles, Boats, Travel Trailers, Campers, ATV’s and Snowmobiles
The credit union provides competitive financing up to 7-year loan terms. Ask about a pre-approval to make that next purchase even easier. O.A.C.

Vehicle Values
An invaluable resource the credit union utilizes is N.A.D.A. (www.nada.com) and Kelley Blue Book (www.kbb.com) to obtain vehicle values. This is an easy way to compare vehicles before buying or selling your next car.
 

Electronic Services
Payroll deduction and direct deposit
Payroll deduction available from TASCO. Check availability of direct deposit from your employer. A portion of a paycheck or an entire paycheck can be automatically deposited to the credit union without making a trip to the credit union.

Home Banking
Get credit union account information 24 hours a day/7days a week with our home banking. Check account activity/information, perform transactions, reconcile check register, perform loan calculations, and get credit union office hours anytime.

 


 

Your savings federally insured to at least $250,000
and backed by the full faith and credit of the United States Government

National Credit Union Administration, a U.S. Government Agency