Miscellaneous Resources

We have a full range of resources for people of every age, and knowledgeable allU.S. representatives who can help you find just what you’re looking for.

Careers

Interested in working at allU.S. Credit Union? Visit our Contact page to get in touch with us. 

Legal Disclosures
  • Links to other web sites are provided to assist you in locating information. When you click on a link to a third party web site you leave allU.S. Credit Union’ web site. The fact that there is a link between our web site and another does not constitute a product or program endorsement by allU.S. Credit Union.
  • allU.S. Credit Union has no responsibility for or control over the content of web sites found on external links and is not responsible for the accuracy, privacy, security, or propriety of any information located there. We do not represent either the linked web site or the user if the two enter into a transaction.
  • To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Mastercard Debit Card

If you have a checking account, you’ll enjoy the convenience of our MasterCard Debit Card. Why??? Just take a look at our ZERO liability policy below. Whether you’re around the corner or around the world, you can use it to pay for everyday purchases. This card combines the worldwide purchasing power of a credit card with the quick-cash convenience of an ATM card. No need to worry about cash as it gives you access everywhere you go.

Features & Benefits

  • Easy, safe and convenient!
  • Looks like a MasterCard Credit Card, but debits your checking account 
  • Can be used anywhere MasterCard is accepted, as well as ATM locations
  • Can be used for over-the-phone or online purchases 
  • No annual fee
  • Provides 100% protection against unauthorized purchases*
  • No surcharge at over 30,000 ATMs nationwide including Walgreens and 7-Eleven stores nationwide
  • Eliminates check writing
  • Cash back at stores and retailers nationwide
  • Must be linked to a allU.S. checking account
  • Get a new or replacement card and change your PIN at any branch location!

You will have no liability for unauthorized use of your MasterCard Debit Card that results from its loss or theft if you report the loss or theft to us at 800.692.2228 within two (2) business days. If your statement shows unauthorized use, your liability will be no more than $50.00 if you tell us within 60 days of statement mailing date.

*IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

MoneyDesktop

MoneyDesktop provides you access to a personal financial management software program whereby online banking becomes a “hub” of financial activity.

With this service you can aggregate accounts from almost any financial institution, allowing you to:

  • Track spending
  • Create budgets
  • Manage your debt
  • … and more!

This is all available within your allU.S.
online banking account for FREE!

NCUA Insurance

allU.S. is a member of the National Credit Union Administration (NCUA). As an allU.S. Credit Union customer, your deposits are insured by the NCUA up to $250,000 per depositor, for each account ownership category.

Maximizing NCUA Insurance – Know the facts. With a combination of accounts, you could be covered for more than $250,000.

What are the basic NCUA coverage limits?*

  • Joint Ownership Accounts (two or more persons with no beneficiaries): $250,000 per owner (with the primary owner a member of the credit union).
  • IRAs and other certain retirement accounts: $250,000 per member-owner.
  • Revocable trust accounts: Each member-owner is insured up to $250,000 for each eligible beneficiary named or identified in the revocable trust, subject to limitations and requirements.
  • Irrevocable trust accounts: Each owner (so long as all owners OR all beneficiaries are members of the credit union) is insured up to $250,000 for each eligible beneficiary named or identified in the irrevocable trust, subject to specific limitations and requirements. Coverdell Education Savings Accounts, formerly education IRAs, are insured as irrevocable trust accounts.
  • A qualifying eligible beneficiary must be a natural person, or a charitable organization or non-profit entity under the Internal Revenue Code.

*These share insurance coverage limits refer to the total of all shares that account owners have at each federally insured credit union. The listing above shows only the most common ownership types that apply to individual and family shares, and assumes that all NCUA requirements are met.

Calculate your coverage with the NCUAs deposit calculator .

An example of making the most of NCUA coverage:
Account & Owner Type Owner(s) Beneficiary Amount
Interest Checking Single Owner
John Doe
None
$250,000
No Penalty CD Single Owner
Mary Doe
None
$250,000
Online Savings Joint Owners
John and Mary Doe
None
$500,000
Traditional IRA Single Owner
John Doe
None
$250,000
Roth IRA Single Owner
Mary Doe
None
$250,000
Revocable Trust Raise Your Rate CD - POD
John Doe
Jane Doe
$250,000
High Yield CD Living Trust
Mary Doe
John Doe Jr.
$250,000
FDIC Insured Total:
$2,000,000
Visa Classic Application and Solicitation Disclosure

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases
5.00% to 18.00% when you open your account. Based on your creditworthiness.
APR for Balance Transfers
5.00% to 18.00% when you open your account. Based on your creditworthiness.
APR tor Cash Advances
5.00% to 18.00% when you open your account. Based on your creditworthiness.
How to Avoid Paying Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle.We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit can, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Transaction Fees - Foreign Transaction Fee
1.00% of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
Up to $10.00
- Over-the-Credit Limit Fee
Up to $10.00
- Returned Payment Fee
Up to $25.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
Effective Date: The information about the costs of the card described in this application is accurate as of March 1, 2015.
This information may have changed alter that date. To find out what may have changed, contact the Credit Union.

OTHER DISCLOSURES

  • Late Payment Fee: $10.00 or the amount of the required minimum payment. Whichever
    is less, if you are ten or more days late in making a payment.
  • Over-the-Credit Limit Fee: $10.00 or the amount of the transaction exceeding your credit limlt. Whichever is less.
  • Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.
  • Document Copy Fee: $10.00
  • PIN Replacement Fee: $5.00
  • Card Replacement Fee: $10.00