Secure Credit Union

Effective February 1, 2010, the Fee Schedule for Secure Credit Union is changing. As always, we try our best to keep our costs as low as possible for our members, but as outside costs continue to rise, we must make some changes periodically. A copy of the new fee schedule is being sent with your 12/31/09 member statement. For those members who get electronic statements or if you have not yet received your year-end statement in the mail, please click here to view the new schedule.

The Credit Union is seeking members in good standing interested in running for the Board of Directors. Secure Credit Union is a member-owned financial cooperative, run by a board of directors elected from within the membership. The Board sets policy for the credit union. For any member that is interested in running for the Board at the Annual Meeting on Tuesday April 20, nomination papers will be available beginning January 19, 2010. All completed nomination papers must be submitted to the credit union not less than one (1) month prior to the annual meeting. If you would like to learn more about serving on the Board of Directors or the nomination and election process, or to pick up nomination papers, please contact Treasurer Bob Cleary or stop by the credit union office at 138 Main Street in Melrose.

With all of the uncertainty in the financial marketplace at the present time, we know that a lot of people are concerned about the safety of their hard earned savings. We want to assure you that here at Secure Credit Union, your deposits are Federally Insured up to $250,000 by the National Credit Union Share Insurance Fund, the insurance arm of the National Credit Union Administration (NCUA), insurance backed by the full faith and credit of the U.S. Government, the same way FDIC insures bank deposits. In addition, we carry Excess Deposit Insurance issued by the Massachusetts Share Insurance Coproration (MSIC), an independent excess deposit insurance corporation. We review member accounts on a regular basis to make sure they are within the insurance limits, so no member deposit here at Secure Credit Union is uninsured.

If you have any questions or concerns about deposit insurance, please feel free to contact us at any time. You can also get further information at the following sites:

Direct Debit Now Available

Direct Debit is a great way to simplify your life. Instead of rushing to the credit union or another institution to make aa payment on your credit union loans or deposit or withdraw to another financial institution, we can set it up to happen automatically on the payment due date or the day you desire the transfer to happen. Weekly or monthly, it's simple and convenient. Now you can make your car payment without worrying if you forgot to write a check and get it in the mail on time. It helps your credit score by making your payments on time, every time. Want to put a little something away in another account each week or month? We can do it and it's so simple. You sign an authorization form and we do the rest. It couldn't be easier. Call us about it today.

AccessOnline is our Internet-based answer for 24 hour access to your account information! Check balances, transfer funds, display transaction history on your shares, loans and certificates, balance your checkbook, get instant digital copies of cancelled checks, request a withdrawal, everything's right here, and it's available 24 hours a day, 365 days a year. When you want it. Just give us a call. Once you're set up, just click any AccessOnline link on our webpage and you can be online in seconds. It's fast, convenient and so easy to use. Whether you're 9 or 90, you can have total control over your finances in a snap.

Combine it with Access BillPayer, E-Statements and EZCard to make your credit union experience fly. Give us a call and begin your own financial empowerment!

HomeFree Home Equity Loans

If you're like many people, when major things come up that require access to cash, much of your equity is tied up in your home. We have the perfect way to let you access that cash - our HomeFree family of Home Equity credit lines. Two options, each with their own features that let you tailor your equity to your needs. Choose from our regular or interest only plans, depending on which suits your needs. Both have a great low rate, offer multiple access options and let you tap into your equity for up to five years. Click here to learn more and apply.