345 MIDDLEFIELD RD
MENLO PARK, CA 94025

PHONE: (650) 323-2493
TOLL FREE: (877) 323-2493
FAX: (650) 323-9541

ABA #321173289

NMLS #802192

Share Products

Regular Shares Checking Accounts Capital Money Market Share Certificates
6 Month Share Certificate 12, 24 and 36 Month Share Certificates IRA Share Accumulator IRA Share Certificate

Regular Shares*

All Menlo Survey FCU members are required to maintain a Regular Share account. This account is commonly known as a savings account. Dividends are computed daily and paid quarterly. Members are required to make an initial deposit of $10 to open their membership, and need to maintain a share balance of no less than $5.00.

Members can use their regular shares as a source of overdraft protection for share draft/checking accounts. Rates are declared by the Board of Directors quarterly.

Checking/Sharedraft Accounts

Menlo Survey FCU offers a free Checking Account to members. There is no minimum balance requirement and no monthly fees. Dividends are computed daily and paid quarterly. With direct deposit, members receive their 1st order of printed Checks free. Our VISA Debit Card offers free ATM withdrawals at all CO-OP ATM machines. Refer to our CO-OP ATM Locator for a location near you. Many machines also accept deposits. In addition, the card may be used as a Point of Sale for VISA purchases. Many merchants will also allow cash back using the card. As an added feature, Menlo Survey FCU has no foreign transaction fees when used outside the US. Request our free services: Virtual Branch Online Banking, Mobile Money for your cell phone and Pay It – bill pay services to accompany your free Checking Account.

Capital Money Market

Members with higher share balances are encouraged to open a Capital Money Market account. This high yield, special share account offers the flexibility of making deposits and withdrawals. Check writing and payroll deduction are available. Deposits of $250 or more are allowed at any time. Withdrawals of $500 or more are allowed up to 6 times a month.

Members may open a Capital Money Market account with a minimum of $5,000. Dividends are computed daily and compounded quarterly and accrue if the balance is higher than $3,000. Dividends are higher than a Regular Share account and the funds are fully available to the member.

6 Month Share Certificate

Menlo Survey FCU offers several Share Certificate products. With a minimum balance of $1,000, members may earn a high dividend rate by securing their shares for 6 months. Dividends are computed daily and are compounded monthly. Dividends can be paid to regular shares or compounded. The rate is fixed for the term of the certificate. A withdrawal before maturity can result in a penalty not to exceed 180 days of dividends.

12, 24 and 36 Month Share Certificates

With a minimum balance of $2,000, members may earn a high dividend rate by securing their shares for up to 36 months. These Share Certificates have a 12, 24 or 36 month term. Dividends are computed daily and paid monthly. Dividends can be paid to regular shares or compounded. The 12 month Share Certificate has a fixed rate for the term of the certificate. The 24 and 36 month Share Certificates come with a one-time “bump-up” option. A withdrawal before maturity can result in a penalty not to exceed 180 days of dividends.

IRA Share Accumulator

Menlo Survey FCU offers IRA accounts to its members. Most employed persons are eligible to invest in an Individual Retirement Account. Traditional, ROTH and Coverdell IRAs are available. Dividends are computed daily and compounded quarterly. Consult a tax advisor to verify your eligibility.

IRA Share Certificate

With a minimum balance of $500, Menlo Survey FCU offers its members an 18 month IRA Share Certificate. This product is available with both fixed and floating rates. The floating rate is subject to change quarterly. Dividends are computed daily and compounded quarterly. A withdrawal before maturity can result in a penalty not to exceed 180 days of interest. A penalty will not be assessed on Required Minimum Distributions. Consult a tax advisor to verify your eligibility.

*Disclaimer

Federal regulations prohibit payment of dividends in excess of available earnings.

Loan Products

Signature Loan Gold Line of Credit Loan Specials
Share and Certificate Secured Loans Auto Loans Recreational Vehicles
Vessels Mobile Homes Manufactured Homes
Home Equity Loans and Lines of Credit VISA Credit Cards Real Estate Loans

Unsecured Loans

Signature Loan

Menlo Survey FCU offers its members Signature Loans with a fixed interest rate based on your good credit and terms up to 60 months. Unsecured loans can be used for a variety of purposes, including: debt consolidation, vacation, education, etc. No collateral is necessary for this type of loan.

Gold Line of Credit

Menlo Survey FCU offers its members a signature Gold Line of Credit. Like an unsecured Signature Loan, no collateral is necessary. The Gold Line of Credit is a revolving loan from which members can make future advances. The Gold Line of Credit is offered with a fixed rate based on your good credit. The payment is recalculated with advance at certain balance levels. This loan product offers members flexibility in that the member can make advances online, over the phone and in addition the loan offers overdraft protection to your Menlo Survey Checking account. The Gold Lines of credit are reviewed by the credit union every two years.

Loan Specials

Menlo Survey FCU offers its members four annual unsecured loan specials: Tax Time Loan Special, Sprig Cleaning Debt Consolidation Loan Special, Back to School Time Loan Special and our Holiday Loan Special.

Secured Loans

Share and Certificate Secured Loans

Menlo Survey FCU offers its members a Share/Certificate Secured Loan. This loan is offered with a fixed interest rate 2.00% higher than the share collateral offered. The credit union will place a hold on the funds offered by the member as collateral. Shares used for collateral must be deposited in a Menlo Survey FCU share or certificate account. Members can qualify for this loan regardless of their credit and/or employment status.

Auto Loans

Menlo Survey FCU offers its member new and used auto loans. Auto loans are offered with fixed interest rates based on your good credit, with terms up to 72 months for used autos and 96 months for new autos. Members financing alternative fuel vehicles can qualify for a discounted interest rate. Full insurance coverage is required on the collateral.

In addition, Menlo Survey FCU offers auto equity loans. Meaning, members may refinance a vehicle and use the funds for any purpose. The credit union will finance up to 100% of retail value of the vehicle.

Recreational Vehicles

Menlo Survey FCU offers its members new and used recreational vehicle loans. Like auto loans, RV loans are offered with fixed interest rates based on your good credit, but with terms up to 120 months. The credit union will finance up to 75% of retail value. Full insurance coverage is required on the collateral.

Vessels

Menlo Survey FCU offers its members new and used vessel loans. Vessel loans are offered with fixed interest rates based on your good credit with terms up to 120 months. Financing is available up to 75% of the retail value. Full insurance coverage is required on the collateral.

Mobile Homes

Menlo Survey FCU offers its members a unique new and used mobile home product. While terms are available up to 180 months, Menlo Survey FCU offers its members a discounted rate for shorter terms. Rates are fixed based on your good credit with financing up to 75% loan to value. Full insurance coverage is required on the collateral.

Manufactured Homes

Menlo Survey FCU offers its members loans for Manufactured Homes. Terms are available up to 360 months with a fixed interest rate based on your good credit with financing up to 75% loan to value. Full insurance coverage is required on the collateral.

Home Equity Line of Credit

Menlo Survey FCU offers its members variable rate Home Equity Lines of Credit. The index for the Line of Credit changes semi-annually based on the 6 month Treasury as of the last day of December and June. The margin varies based on our lien position.

VISA Credit Cards

Menlo Survey FCU offers its members an excellent VISA Credit Card program. Rates are fixed based on your good credit. We offer free balance transfers, no annual fees, no foreign transaction fees , no cash advance fees, no inactive fees, no penalty pricing while always offering a 25-day grace period on your purchases.

Real Estate Loans

Menlo Survey FCU offers its members a variety of real estate loans with fixed interest rates with terms up to 360 months. Terms are available for non-owner occupied homes up to 180 months. Due to the real estate market volatility, rates are not published. Please contact the credit union for current rates at (877) 323-2493 or memberservices@menlosurveyfcu.com.

Disclaimer

Your rate is determined by your Experian Credit Score at the time of the application.

Certificate Secured: The Annual Percentage Rate (APR) will be the dividend rate being paid on the Certificate offered as security (Index) plus a 2% margin.

All Collateral loans have insurance requirements.

Please note: Alternative Fuel Vehicles receive a rate reduction of 0.50%. (i.e. Hybrid, Electric, etc.)

Unsecured loans and lines of credit are limited to $20,000 per household depending on member credit eligibility.

Visa credit cards are issued up to $15,000 depending on member credit eligibility.

The credit union will not extend credit to any member who has filed bankruptcy within the past 7 years or is in the process of completing a Chapter XIII bankruptcy.

Services

Superior Member Service – Our employees truly provide superior service. We want to talk to our members and personally answer our incoming telephone calls.

We provide free notary services to all members. We will notarize not only Credit Union material but all your legal documents.

We provide free Medallion Signature Guarantee services to all members. Often necessary on Stock and Bond transactions.

Youth Savings Program – We have a "You Rock" club for our younger members. They receive a quarterly newsletter and a birthday card with a small gift.

Savings Bond Redemption – Cash in your US Savings Bonds (Series E, EE, I or S).

Do you have eStatements? - Go green with eStatements today. Receive an email when your statement is ready to view. Sign up today at Virtual Branch (online banking) under the Self Service Tab.

Mobile Money is easy on your phone – Get easy access to your account information and make transfers using your smart phone.  

To successfully use Mobile Banking, members must first be enrolled in Virtual Branch.  (Contact the Credit Union for access at 877-323-2493)

Sign onto Virtual Branch (online banking) at our website www.menlosurveyfcu.com, click on the Self Service Tab, click on Mobile Money, enter a new device, enter your Mobile phone number.  On your smart phone, search TouchBanking on Google Play or the App Store, enter the Menlo Survey App Code provided in Virtual Branch.  Enter your Virtual Branch User ID and Security Code.

Account Alerts - Get a text or email when your account balance is below a certain amount or when a deposit is made. To set up alerts, you must have access to Virtual Branch (online banking), click on the Self Service Tab, go to Alerts. Set your own parameters and dollar amounts to receive the alerts.

Pop Money - Need to pay a friend for lunch or your babysitter. Here is a fast and easy way. Pop the money to them on your phone. Yes, you can transfer money with a few clicks on your phone. The money is sent by ACH transfer and arrives in just a couple of days at a very nominal fee.

Discounts

Amusement Parks - Discount coupons to various Amusement Parks.

California Academy of Sciences - Purchase admission tickets at a discount. Go to: www.calacademy.org/etickets2 Enter the following Sales Code: Menlo (Note: sales code is case sensitive)

Vacations - Discount vacation deals through Get Away Today.
For vacation package information you can contact them at 1-855-GET-AWAY or visit them at www.getawaytoday.com