Products & Services
Products
Savings and Investments:
Modern EFCU offers a variety of Share Savings products to fit your needs, Share, Share Draft Checking, Share and IRA Certificates, IRA, Christmas Clubs and Youth Accounts.
Loans:
Competitive rates on: New and Used Vehicle Loans, New and Used Motorcycle, Boats and Recreational Vehicles, Personal Loans, Share Secured and Share Certificate Secured.
Real Estate Loans:
First & Second fixed rate mortgage
Home Equity Line of Credit, Variable Rate.
Insurance Products:
Check out the variety of Insurance Products your credit union offers. Life Savings, Credit Life, Credit Disability & Cancer Insurance.
VISA Credit Cards
| Rate | 11.50% Fixed |
| Grace Period for repayment of balances for purchases | 25 Days |
| Annual Fee: | none |
| Minimum Finance Charge: | none |
| Late Payment Fee: | $20.00 |
| Over the Credit Limit Fee: | $20.00 |
| NSF Check Fee | $25.00 |
| New or Replacement Card Fee | $10.00 |
| Card Recovery Fee | $65.00 |
Services
VISA Debit/ATM Cards
VISA Credit Cards
Payroll Deduction and Direct Deposit
Notary Service
NADA Vehicle Guides
Night Depository
Wire Transfers