Savings Programs:
• Regular Shares – A deposit of $5.00 or more is required in the Regular Share account. Share accounts that maintain a consistent $50.00 balance are not required to pay the monthly service charge.
• Special Savings – An account designed to be used for any of your specific savings needs.
• Christmas Club Savings – This account will help you save for that special time of year. Funds from this account are distributed the 1st of November.
• Share Certificate of Deposits – Elcose offers a variety of Share Certificates ranging from 90 days to 3 years. Dividends are posted monthly on all Certificates of Deposits. See our RATES section for current rates and specials.
• Share Draft (Checking) – This account was designed to give you an alternative to a bank checking account. No minimum monthly balance or monthly transaction charges. See our FEE SCHEDULE section to see most fees associated with Elcose accounts.
Loan Products:
• New & Used Auto Loans – From the newest model to transportation thrifty autos, we offer loans that range from 36 to 72 months with competitive interest rates.
• Recreational Vehicles – If you are looking for a Motorcycle, Boat, Camper or RV, we may have a loan to suit your needs.
• CD or Deposit Secured – For those with less than perfect credit, this may be the “builder” loan for you.
• Unsecured or Signature Loan – For those last minute or emergency expenses, this loan could suit your needs.
Up to $2,500 for 30 months!
• 1st and 2nd Mortgages – Elcose offers conventional mortgages on Primary Residences. Our interest rates are comparable so why not give us a call?
• Home Equity and Home Improvement Loans – Debt Consolidation and home repairs have never been easier. Give us a call and see what our current rates are and what we can do for you.
Other Products and Services:
• Elcose VISA™ Credit Card – Shop anywhere that VISA™ is accepted! Our current APR is 6.99%. See our application for other terms and disclosures.
Elcose VISA™ Debit Card – The convenience of a credit card that is tied to your checking account. Shop anywhere that VISA™ is accepted. See our application for other terms and disclosures.
• IRA Accounts – An IRA account with Elcose can save your tax dollars today as well as provide for a financially secure retirement. Call for questions and current rates.
• ATM Cards – This card gives you 24 hour access to your accounts 7 days a week, 365 days a year through most ATM machines. Some restrictions apply.
• Touch Tone Teller – You can transfer from and between accounts, check balances, and more. Use this feature when you don’t have access to a computer. Pick up or request a brochure for all the details.
• 55 Club – For the maturing membership. Those members who are 55 or older that are receiving their pension, annuity, or social security via direct deposit can become a member of the 55 Club. Benefits include 1 box of standard checks free and reduced fee money orders
