Products & Services Details

Minimum to open a standard-term Share and IRA Certificate is $1,000, but may differ based on term and rate offered by a specific certificate. Special terms and rates may be available. Check the Deposit Rates page for details. Account is subject to early withdrawal penalty, which may reduce earnings. Current rates are subject to change. All Certificate accounts are under the terms and conditions of their respective TCU Certificate account.

Dividends: For Share Certificates, dividends are compounded monthly. For IRA Certificates, dividends are compounded quarterly.

Click here for information on HSA Certificates.

Debit Mastercard^® Benefit Guides

Debit Mastercard Benefit Guide
Platinum Debit Mastercard Benefit Guide
World Debit Mastercard Benefit Guide

ATMs

TCU Members receive free use of AllianceOne and CO-OP ATMs within Indiana. A $2 foreign transaction fee applies to AllianceOne and CO-OP ATMs outside of the state.

Debit Assurance

Debit Assurance applies only to individual debit card transactions. It does not affect recurring debit card transactions (those for which you have set up your debit card as an automatic payment) or purchases made through checks or ACH transactions. Debit Assurance does not approve transactions that will take your account below a negative balance of $500. A fee (or fees) will be charged if your account balance is negative. If you choose not to opt in for Debit Assurance, TCU is required by law to decline transactions when your account balance is insufficient. Standard overdraft/insufficient funds fees still apply if your account balance falls below $0.

Debit Rebate 

Earn .50% rebate on any non-pin purchase with your TCU Debit Mastercard. Rebate is redeemable once the rebate balance reaches $30 within the calendar year. Maximum rebate per calendar year is $5,000. Rebate amounts must be redeemed within 3 calendar years of the year they were earned. Redeem online, at a TCU Service Center or by a mailed written request (see below). Eligible purchases do not include ATM transactions or those made using a personal identification number (PIN). Redeemed rebate amount may be subject to tax liability.

Rebate Redemption: Rebates may be redeemed any time the accumulated rebate balance reaches a minimum of $30. Rebates may be redeemed by logging into TCU Online Banking, visiting the nearest service center location or by sending a written request to:

Teachers Credit Union
Member Services Department
P.O. Box 1395
South Bend, Indiana 46624-1392

Mobile Wallet

Google Pay is a trademark of Google LLC.  Android, Google Pay, and the Google Logo are trademarks of Google LLC. Google Pay works on Android devices running KitKat 4.4 or higher. Apple Pay is a trademark of Apple Inc., registered in the United States and other countries. Apple Pay works with iPhone 6s and Apple Watch. Samsung Pay and the Samsung Pay logo are trademarks of Samsung Electronics Co., Ltd.

The Monthly Service Fee for the Advantage Share Draft Checking account is $7, of which $2 will be waived if your monthly statement is delivered as an eStatement. Other fees may apply as described in the common features. $25 minimum to open with no minimum balance.

A $100 Mortgage origination fee discount is available, as is a .25% loan discount is available on direct, closed-end, consumer loans only (excluding indirect, student, commercial, mortgage and lines of credit).

Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate. 

IDProtect®
Identity theft protection service is available to Advantage and World Checking account owners¹

Credit File Monitoring*^{, 2}
Daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports.

Identity Monitoring*
Over 1,000 databases including credit, Social Security, public records, real property records, telephone and many others.

Credit Report and Credit Score*^{, 3}
Access to triple bureau credit reports and single bureau credit score.

Debit and Credit Card Registration*

Online Identity Theft News Center and Valuable Phone and Web Resources*

Up to $10,000 Identity Theft Expense Reimbursement⁴ coverage for expenses associated with restoring your identity.

Fully Managed Identity Theft Resolution Services and Personal Information Management Program.

Access to a Dedicated Fraud Specialist assigned to manage your case who will work with you until your identity is restored.

Identity Theft Recovery Case Plan to inform you of the recovery process.

Cellular Telephone Protection⁴ Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad.

Advantage and World Checking account holders: Call TCU Member Services for your registration access code and then visit IDProtectMe247.com or call (877) 610-7889 to get started!

<sub>¹IDProtect: Benefits are available to personal checking account owner(s) and their joint account owners subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students. ² Credit file monitoring may take several days to begin following activation. ³ Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. ⁴ Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.

*Registration and Activation Required

Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.</sub>

The Monthly Service Fee for the Performance Share Draft Checking account is $2, which will be waived if your monthly statement is delivered as an eStatement OR you enroll in Direct Deposit OR maintain monthly combined balances of $2,500 in Deposits, Loans and/or Investments, OR conduct ten (10) transactions per month. $50 minimum to open with no minimum balance. Other fees may apply as described in the common features.

$25 minimum to open. $10 monthly account fee will be waived if your monthly statement is delivered as an eStatement and you complete at least 15 non-PIN debit card transactions. The dividend rate and annual percentage yield may change monthly. If the requirements to avoid the monthly account fee are not met no dividends will be paid. .25% discount on direct closed-end consumer non-real estate loans. (Excludes loans signed at a dealership, real estate secured, lines of credit including credit cards and commercial loans.) Earn .5% rebate on non-PIN debit card purchases. Rebate is redeemable once the rebate balance reaches $30 within the calendar year. Maximum rebate per calendar year is $5,000. See terms and conditions for full account details. Other fees may apply as described in the Common Features.

The Monthly Service Fee for the World Share Draft Checking account is $10, of which $2 will be waived if your monthly statement is delivered as an eStatement. The full $10 fee will be waived with combined balances of $100,000 in Deposits, Loans and/or Investments. $25 minimum to open with no minimum balance. Other fees may apply as described in the common features.

Earned dividends are tiered based on average monthly World Checking Account balance. They are compounded and paid monthly.

A $100 Mortgage origination fee discount is available, as is a 0.25% loan discount is available on direct, closed-end, consumer loans only (excluding indirect, commercial, mortgage and lines of credit).

Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

IDProtect®
Identity theft protection service is available to Advantage and World Checking account owners¹

Credit File Monitoring*^{, 2}
Daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports.

Identity Monitoring*
Over 1,000 databases including credit, Social Security, public records, real property records, telephone and many others.

Credit Report and Credit Score*^{, 3}
Access to triple bureau credit reports and single bureau credit score.

Debit and Credit Card Registration*

Online Identity Theft News Center and Valuable Phone and Web Resources*

Up to $10,000 Identity Theft Expense Reimbursement⁴ coverage for expenses associated with restoring your identity.

Fully Managed Identity Theft Resolution Services and Personal Information Management Program.

Access to a Dedicated Fraud Specialist assigned to manage your case who will work with you until your identity is restored.

Identity Theft Recovery Case Plan to inform you of the recovery process.

Cellular Telephone Protection⁴ Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad.

Advantage and World Checking account holders: Call TCU Member Services for your registration access code and then visit IDProtectMe247.com or call (877) 610-7889 to get started!

<sub>¹IDProtect: Benefits are available to personal checking account owner(s) and their joint account owners subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students. ² Credit file monitoring may take several days to begin following activation. ³ Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. ⁴ Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.

*Registration and Activation Required

Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.</sub>

Low $2 monthly fee will be waived if you sign up for eStatements. Primary member must be 14 to 23 years of age to qualify for the Student Rewards Checking Account and receive rewards. If you are under the age of 18, a parent or guardian must be on the membership and account. Only one Student Rewards Checking per membership. All rewards will be deposited into the Student Rewards Checking Account.

$25 TCU Financial Empowerment Program Reward — Complete at least 6 modules of the program through a participating school or the self-guided programs (Parents & Kids or Solo). Receive a passing score (at least 70%) on each module. Present your Certificate of Completion/Transcript at any TCU Service Center (printed or via your mobile device) to receive the one-time reward.

$10 TCU No Overdraft Reward — To receive reward, you must not have incurred an overdraft on your account for a period of 12 consecutive months beginning with the account opening date each year.

$10 Digital Services Reward — To receive reward, you must:

1. Download and use the TCU Mobile App at least once
2. Enroll in Online Banking
3. Register for both:
   1. eStatements and
   2. RoundUp Savings

The dividends earned are tiered based on average daily Choice Savings Account balance. They are compounded monthly and paid monthly. Fees may apply as described in the common features.

HSA Checking

Interest is compounded monthly and paid monthly. Check out our HSA FAQs to learn more about maximum contribution amounts, catch-up amount for participants over 55 years of age, and other information. Fees and restrictions may apply as described in the common features.

HSA Certificates

Minimum to open a standard-term HSA Certificate is $1,000, but may differ based on term and rate offered by a specific certificate. Special terms and rates may be available. Dividends are compounded quarterly. Check the Deposit Rates page for details. Account is subject to early withdrawal penalty, which may reduce earnings. Current rates are subject to change. All deposits are reported as a contribution and withdrawals as a distribution. Additional deposits can only be made at renewal.

Dividends earned are tiered based on average daily Premium Money Market Account balance. They are compounded daily and paid monthly. Fees may apply as described in the common features. 

Dividends earned are tiered based on average daily Primary Share Account balance. They are compounded monthly and paid monthly. Fees may apply as described in the common features.

By enrolling in the TCU Round-Up Savings Program, you authorize TCU to initiate electronic fund transfers from your designated share draft account(s) that have TCU Debit Cards to a designated share account. You authorize TCU to round up the amount of any PIN- and/or signature-based purchase price from the corresponding share draft account(s) to your designated share account. Electronic withdrawals from your share draft account(s) and electronic deposits to your share account will be labeled as "Your Round-Up Savings Transfer." TCU HSA Accounts, TCU Business Accounts, TCU Share Certificate, TCU IRA Share and IRA Share Certificate Accounts are not eligible for Round-Up Savings.

Each business day, TCU aggregates the rounded-up amount of all the previous day's PIN- and/or signature-based purchases from your designated share draft account(s) that have TCU Debit Cards, and will make a withdrawal of the rounded-up funds from each corresponding share draft account(s) and deposit a matching amount into your designated share account. If on any day you do not have sufficient funds available in your designated share draft account(s) equal to the rounded up amount, or if any transaction has overdrawn your designated share draft account(s), TCU will not initiate the transfer of the rounded-up funds to your designated share account on that business day. However, TCU may transfer rounded-up funds on a business day, which may subject you to Overdraft and/or Courtesy Pay fees equal to the amounts listed on TCU's Fee Schedule if you have outstanding transactions that have not been reconciled. No partial transfers will be made. The TCU Round-Up Savings Program will not use any TCU overdraft protection program to initiate a transfer of any rounded-up funds.

If any PIN- and/or signature-based purchase is subsequently cancelled or reversed, the corresponding transfer of rounded-up funds will remain in your designated share account. TCU reserves the right to cancel the TCU Round-Up Savings Program at any time upon 30 days' written notice to you. You may opt out of participation in the TCU Round-Up Savings Program  at any time by providing us with verbal or written notice. If you provide us verbal notice, we may request notice in writing.

The TCU Round-Up Savings Program links to any designated share draft accounts underneath your membership that have TCU Debit Cards. Furthermore, you may only elect one (1) designated share account for your rounded-up funds to be transferred to.

IDProtect
Identity theft protection service is available to Advantage and World Checking account owners¹

Credit File Monitoring*^{, 2}
Daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports.

Identity Monitoring*
Over 1,000 databases including credit, Social Security, public records, real property records, telephone and many others.

Credit Report and Credit Score*^{, 3}
Access to triple bureau credit reports and single bureau credit score.

Debit and Credit Card Registration*

Online Identity Theft News Center and Valuable Phone and Web Resources*

Up to $10,000 Identity Theft Expense Reimbursement⁴ coverage for expenses associated with restoring your identity.

Fully Managed Identity Theft Resolution Services and Personal Information Management Program.

Access to a Dedicated Fraud Specialist assigned to manage your case who will work with you until your identity is restored.

Identity Theft Recovery Case Plan to inform you of the recovery process.

Cellular Telephone Protection⁴ Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad.

Advantage and World Checking account holders: Call TCU Member Services for your registration access code and then visit IDProtectMe247.com or call (877) 610-7889 to get started!

<sub>¹IDProtect: Benefits are available to personal checking account owner(s) and their joint account owners subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students. ² Credit file monitoring may take several days to begin following activation. ³ Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. ⁴ Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.

*Registration and Activation Required

Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.</sub>

How We Calculate Your Balance: We use a method called “average daily balance" (including new purchases).

TCU Visa Platinum Credit Card

1. We add 4.00%, 6.00%, 8.00%, 10.00% or 14.00% based upon your creditworthiness to the current Prime Rate** to determine the Purchase APR or Balance Transfers.
2. We add 6.50%, 8.50%, 10.50%, 12.50% or 16.50% based upon your creditworthiness to the current Prime Rate** to determine the Cash Advance APR.
3. Late Charge: IN: You will pay a $25.00 late charge; or the maximum allowed by law pursuant to Indiana Code 24-4.5-3-203.5 at the time we exercise our remedies under this contract if a payment is received more than 10 days after it is due. MI: Greater of $15.00 or 5% of the minimum payment if payment is received more than 10 days after it is due.
4. Balance Transfers from another Teachers Credit Union loan account, including THE Card Home Equity Loan, are not permitted on the TCU Visa Platinum Credit Card.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement. See your TCU Visa Platinum Credit Card Disclosure and Security Agreement for more details.

TCU Visa Signature Rewards Credit Card

1. We add 8.00%, 10.00% or 12.00% based on your creditworthiness to the current Prime Rate** to determine the Purchase APR or Balance Transfer APR.
2. We add 8.00%, 10.00% or 12.00% based on your creditworthiness to the current Prime Rate** to determine the Cash Advance APR.
3. Late Charge: IN: You will pay a $25.00 late charge; or the maximum allowed by law pursuant to Indiana Code 24-4.5-3-203.5 at the time you exercise your remedies under this contract if a payment is received more than 10 days after it is due. MI: Greater of $15.00 or 5% of the minimum payment if payment is received more than 10 days after it is due.
4. Balance Transfers from another Teachers Credit Union loan account, including THE Card Home Equity Loan, are not permitted on the TCU Visa Signature Rewards Credit Card.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement. See your TCU Visa Signature Rewards Credit Card Disclosure and Security Agreement for more details.

Important Information for Rewards Cardholders. You may earn Reward points on your Net Purchase Transactions, which is the amount of your Purchase transactions, less any purchase refunds. Reward points are not earned on Cash Advance or Balance Transfer transactions. The accrued Reward points will be shown on your monthly billing statement. The Reward points will be available to redeem via online banking at tcunet.com or at curewards.com. All Rewards will expire four (4) years from the end of the calendar year, in which they are earned on a first in, first-out basis. Reward points may not be available to all cardholders. We may revoke your Reward points, at any time, if you exceed your credit limit, become delinquent, are in default of your Agreement, or close your Account. Teachers Credit Union reserves the right to change the Reward points program at any time. See your TCU Visa Signature Rewards Credit Card Disclosure for more details.

TCU Visa Accelerate Credit Card

1. Not applicable
2. Not applicable
3. Late Charge: IN: You will pay a $25.00 late charge; or the maximum allowed by law pursuant to Indiana Code 24-4.5-3-203.5 at the time we exercise our remedies under this contract if a payment is received more than 10 days after it is due. MI: Greater of $15.00 or 5% of the minimum payment if payment is received more than 10 days after it is due.
4. Balance Transfers from another Teachers Credit Union loan account, including THE Card Home Equity Loan, are not permitted on the TCU Visa Accelerate Credit Card.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement. See your TCU Visa Accelerate Credit Card Disclosure and Security Agreement for more details.

TCU Visa Platinum Introductory Rate

1.99% APR Introductory Rate: APR = Annual Percentage Rate. After the 12-month promotional period ends, APR will vary based on the Prime Rate** and creditworthiness. For more information, view the TCU Visa Platinum Agreement.

TCU Visa Signature Rewards Introductory Rate

1.99% APR Introductory Rate: APR = Annual Percentage Rate. After the 12-month promotional period ends, APR will vary based on the Prime Rate** and creditworthiness. For more information, view the TCU Visa Signature Rewards Agreement pages. For information on Rewards Points eligibility, redemption and other information, view the TCU Visa Signature Rewards Credit Card Disclosure.

* Must be a member of Teachers Credit Union to be eligible to apply for the Credit Card. Membership fee, to open a Member Share (savings) account is  $7.00 membership fee and $5.00 minimum Share deposit is required. See your Account Agreement for more details.

** Prime Rate. Variable APRs are based on the 3.25% Prime Rate as of 4/1/20.

Visa Gift Cards

Contact your local TCU Service Center for terms and conditions. Card is issued by MetaBank®, member FDIC, pursuant to a license from Visa U.S.A Inc. Can be used everywhere Visa debit cards are accepted. Valid only in U.S. No cash access.

Visa Pre-Paid Cards

The Visa Prepaid Card is issued by MetaBank®, member FDIC, pursuant to a license from Visa, U.S.A. Inc. The Visa Prepaid Reloadable Card is issued by MetaBank, Member FDIC, pursuant to a license from Visa, U.S.A. Inc. See Terms and Conditions at Myprepaidbalance.com. Standard message and data rates may apply, subject to identification verification.

The following applies to both Home Equity Loans and Home Equity Lines of Credit

Qualified borrowers can finance either 80% or 90% of their home's value (less outstanding mortgage balance). Home equity loans and lines of credit are for owner-occupied/second homes only. Manufactured homes in first position are allowed on Home Equity loans. The minimum loan amount is  $5,000. APR is Annual Percentage Rate, and is subject to change without notice. Current rates are as low as Prime (3.25% APR) based upon credit worthiness and the home’s loan-to-value ratio.

About Fees

TCU will pay all closing costs and fees.* No annual fee.

HELOC

A HOME EQUITY LINE OF CREDIT (HELOC) is a revolving source of funds secured by your home, much like a credit card that you can access as needed. A HELOC is a variable-rate product. APR adjusts monthly based on the Prime Rate as published in the Wall Street Journal. APR can vary to a low of 3.0% to a maximum of 12.00%.

The term is a 10-year draw period with 10-year repayment. If you make the minimum monthly payment during the term of your loan on or before the due date, the loan will be paid in full after the repayment period ends. Payments are 1% of the outstanding balance during the draw period, the accrued interest, or $50, whichever is greater. Interest-only payments with a $50 minimum are an option for qualified borrowers. HELOCs are subject to a minimum finance charge of 50 cents. After the draw period ends your loan will be amortized over 10 years based upon the interest rate at that time and loan balance.

HELOCs are subject to a termination fee of up to $500 if the line is closed before 36 months unless refinancing with TCU.

* If a full internal/external appraisal  is required or requested you will be required to pay the appraisal fee which can be up to $750. For line-of-credit loans, if the line is terminated within 36 months you will pay a termination fee up to $500 (unless refinancing with TCU).

Contact a TCU Representative for details.

30-year Conventional Fixed-Rate Mortgage

APR is Annual Percentage Rate. At a 3.000% interest rate, the APR for this loan type is 3.077%. The monthly payment schedule would be:

• 359 payments of $674.56 at an interest rate of 3.000%
• 1 payment of $673.76 at an interest rate of 3.000%

The above information assumes the loan purpose is to purchase an existing single-family home, to be used as a primary residence, with a loan amount of $160,000 and an estimated property value of $200,000 in South Bend, IN (St. Joseph County). The rate-lock period is 45 days and the assumed credit score is ≥740. Any change to the loan scenario above could impact the rates, payments and fees associated with your mortgage. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

First-Time Homebuyer Loan

APR is Annual Percentage Rate. At a 3.125% interest rate, the APR for this loan type is 3.604%. The monthly payment schedule would be:

• 102 payments of $942.60 at an interest rate of 3.125%
• 257 payments of $831.05 at an interest rate of 3.125%
• 1 payment of $830.39 at an interest rate of 3.125%

The above information assumes the loan purpose is to purchase an existing single-family home, to be used as a primary residence, with a loan amount of $194,000 and an estimated property value of $200,000 in South Bend, IN (St. Joseph County). The rate-lock period is 45 days and the assumed credit score is ≥740. Any change to the loan scenario above could impact the rates, payments and fees associated with your mortgage. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

* The monthly payment amounts quoted include the mortgage insurance premium. Generally, mortgage insurance is required if you are making a down payment of less than 20% of the home's value or purchase price.

Ajustable-Rate Mortgage (ARM)

APR is Annual Percentage Rate. At a 2.500% initial interest rate, the APR for this loan type is 2.822%, subject to increase. Based on current market conditions, the monthly payment schedule would be:

• 60 payments of $632.19 at an interest rate of 2.500%
• 299 payments of $659.14 at an interest rate of 2.875%
• 1 payment of $658.15 at an interest rate of 2.875%

The above information assumes the loan purpose is to purchase an existing single-family home, to be used as a primary residence, with a loan amount of $160,000 and an estimated property value of $200,000 in South Bend, IN (St. Joseph County). The rate-lock period is 45 days and the assumed credit score is ≥740. Any change to the loan scenario above could impact the rates, payments and fees associated with your mortgage. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

TruStage^® Insurance: Simple, Straightforward, Budget-Friendly.

Insurance is an important part of a solid financial plan. The key is finding coverage that fits your needs and budget from someone you can trust. The right insurance can help give you peace of mind.

Backed by more than 80 years of working with credit unions and their members, you can count on TruStage to help protect what matters most. Trust us for all your insurance needs, including life, health, car and home, accidental death and dismemberment coverage and more.

Get a quote or explore your options at TruStage.com.

© Copyright 2020, TruStage. All Rights Reserved.

TruStage^® insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company, PO Box 61, Waverly IA 50677-0061. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

GEN-2944047.1

New members are subject to a $7 membership fee (waived for members ages 17 and under) and $5 initial Share deposit prior to opening any additional deposit account or entering into any loan agreement.

ID Verification
To open your initial account and establish membership, you will be asked to provide basic documentation to verify your name, address, birth date and Social Security number. We will not be able to open your account or establish membership without proper verification. Once your identity has been verified, you won't have to re-verify it to open additional accounts in the future. However, we may ask you to provide a photo ID when conducting certain transactions at a Service Center.

We accept any of the following valid (non-expired) forms of ID:*

• State Driver’s License
• State-issued identification card
• Military ID (due to government regulation Military ID's cannot be scanned or copied)
• US Passport
• Alien Registration Card Form I-551 (Green Card)
• Foreign Passport with a VISA and approved I-94
• Employment Authorization Document (EAD) Form I-766

We can accept alternate forms of ID if you do not have any of the above. Please consult a Team Member at your nearest TCU Service Center, or contact Member Services at (800) 522-4745 for more information. 

* We cannot accept matricula cards, work or student IDs for verification purposes, but they can be used as a photo ID when conducting transactions at the Service Center.

Minor Accounts
You will be asked to provide proper identification for the minor child for whom you are opening an account. In addition to providing the child's Social Security number, you will be asked to provide one of the following current (non-expired) forms of identification:

• Birth Certificate
• State-Issued ID card
• School-Issued ID card

As the adult relative, you will be listed as an owner on a minor account, even though the child will be listed as the primary owner. You don’t have to be a current TCU member to open an account for a minor child.

Commercial or Business ID
All authorized signors and beneficial owners must be properly identified using items from the list of acceptable documents listed above, or TWO items from the list of acceptable alternative IDs. In addition, TWO of the following documents are required in order to verify the existence of the business:

• Certificate of Existence
• Retail Merchant Certificate
• Professional License
• Certificate of Incorporation or Organization
• Corporate Resolution
• Retail Business License
• Retail Installment Sales Number

Please note that we will also perform a business entity name search on the in.gov website.

Members who have an Ultimate, Advantage or World checking account may qualify for a .25% discount on direct closed-end consumer non-real estate loans. (Excludes loans signed at a dealership, real estate, secured lines of credit including credit cards, student loans and commercial loans.)