Products & Services

Share Draft (checking) and Share (savings) Accounts:

• Internet banking now available:  use the following link to access internet banking  www.w-w-i-s.com/irsil
• Checking accounts - no monthly fees, no minimum balance, no minimum deposit, first 50 checks free, earn 2.50%, 2.52% annual percentage yield on balances over $1000.00.
• ATM/Debit card - 10 free transactions per month.
• Savings accounts - a deposit of $25.00 into this account establishes your IRSE Credit Union membership. Earn above average returns. Rates are declared quarterly.
• Christmas Club accounts - deposit $5 to start a club account. This account currently earns the highest share rate declared for the quarter. The club checks are issued the first of October.
• Vacation Club accounts - deposit $5 to start a club account. This account earns the highest share rate declared for the quarter. The club checks are issued the first of April.
• Direct Deposit - sign up for direct deposit for any account.

Rates are subject to change at any time.

Loans for every need:

• VISA Credit Card - 9.90% fixed rate, no annual fee and receive up to 1% cash back on purchases. Sign up for Verified by Visa to protect your card at www.visa.com/verified
• eZcard - to access your Visa credit card account information www.eZCardInfo.com
• Signature Loans - Personal loans up to 36 months.
• Share Secured Loans - use the money in your share account as collateral for a low rate and up to 60 mos. to repay.
• Vehicle Loans - Get up to 72 months to repay at low rates. New and used autos, motorcycles, RV's, boats, campers etc.
• Tax Advantage Loans - use the equity in your home to purchase a new or used auto.
• Home Equity Loans - Line of credit (variable rate) & closed end up to 10 years (fixed rate).
• Loan Application - Click here to apply for a Loan Online

Other services offered:

• Membership Application - Click here to apply for a Membership Online
• Visa travel card - no fee
• Cash personal checks
• Cashiers checks - no fee
• Sell postage stamps
• Sell and redeem U.S. Savings Bonds
• Fax service for personal use - .50 per page.
• Copy service for personal use - .10 per copy.

Rates on loans as of May 20, 2008

RECREATIONAL VEHICLES
36 MONTHS	6.49%
48 MONTHS	6.99%
60 MONTHS	7.49%
PERSONAL/AUTO SECURED   36 MONTHS 7.99% 48 MONTHS 8.99% 60 MONTHS                                                           9.99%

All loan rates are suject to change at any time
**the prime rate is subject to change at any time

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