Account Types and Unsecured Loans for MSR 2 Certification

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Questions and Answers

The University Checking Account offers dividends (interest) on the funds held in the account.

True

What is the main requirement for students to open the University Checking Account?

Valid student email or have a college email address

The minimum balance required to earn dividends on a Primary Savings Account is _____ dollars.

250

The Angel Savings Account is intended for members aged 13 to 17.

True Signup and view all the answers

What feature is unique to the 13-Month Flexible CD?

It allows one penalty-free withdrawal of up to 25% of the principal or it allows member the ability to make additional deposits to the account. Signup and view all the answers

What is the minimum balance requirement on the money market account in order to earn dividends

2500 or $2500 Signup and view all the answers

This checking account maybe available for members not qualifying for our standard checking account.

Basic Signup and view all the answers

The University Checking Account is only available to students attending Detroit Mercy, Madonna, and Sienna Heights schools.

True Signup and view all the answers

What number do we put into the Social Security field/ITIN when the member does not have an SSI# and presents a Passport plus Home Bill with current address?

999-99-9999 or 999999999 or nine nines Signup and view all the answers

What is the maximum loan amount for a Christmas Loan?

$4,500 Signup and view all the answers

Home Improvement Loans require collateral.

True Signup and view all the answers

Members with A/B Credit can defer the initial payment for the Home Improvement and Celebration Loans for up to _____ days.

90 Signup and view all the answers

Income from overtime or bonuses is included when calculating a borrower’s total income.

True Signup and view all the answers

If a member has direct deposit into their savings account with ACCU, calculate the monthly income you would enter into the loan application using the following scenario: Bi-weekly Direct Deposits of $1400. Round up answer to the nearest dollar. (2524.7777 is 2525)

3792 Signup and view all the answers

ACCU loans A paper rate (Credit Score) is ____ and above

720 Signup and view all the answers

In the event of a total loss, the GAP coverage pays the difference between the amount the auto insurance agrees to pay and the actual amount that was paid for the automobile.

True Signup and view all the answers

Debt Protection is a voluntary loan-payment protection option that provides relief from the financial burden of the loan payment in the event of an unexpected life events and can cover all of the following, Except:

Voluntary unemployment Signup and view all the answers

A _______ agrees to take responsibility for repaying a loan if the primary borrower misses a payment.

Co-Signer Signup and view all the answers

Our ACCU product offers are based on the members ____________________.

Credit Score Signup and view all the answers

What time is the cutoff for processing a domestic wire transfer as stated on the wire request?

3:00 pm Signup and view all the answers

A wire request form can be emailed to any email address provided by the member.

True Signup and view all the answers

The member MUST be present in the branch in order to process an international wire.

True Signup and view all the answers

What is the name of the software system ACCU uses to create the file for making a member a credit card after closing the credit card application?

Springboard Signup and view all the answers

Alliance Mastercard Rewards members earn how many points per dollar for gas & grocery purchases?

2 points Signup and view all the answers

What are overdraft protection sources for an Alliance Credit Union Checking Account? (Select two answers)

ODLOC Account Signup and view all the answers

According to our Lending Department, when taking a loan application, the most important part you do is?

Notate all of your questions, put good notes in the notes section, and get accurate information. Signup and view all the answers

Which credit reporting agency is being used by ACCU?

Experian Signup and view all the answers

What does a PET (Petitioned) code in a credit report mean for ACCU lending purposes?

It indicates that the individual is currently in an active bankruptcy program, or We cannot lend to anyone with a PET code Signup and view all the answers

What are the 3 requirements of Alliance Checking in order to receive a dividend?

Direct Deposit, 10 signature-based 'Credit' transactions (using your debit card as a credit 10 times), Enrollment in E-statements. Signup and view all the answers

Who is most likely to benefit from a share secured credit card?

Borrowers seeking to rebuild credit. Signup and view all the answers

This loan has features that include the following: Loan amount up to $6000, A rate as low as 4%, Term up to 12 months.

K-12 Tuition Loan Signup and view all the answers

Classic Auto Loans are used for financing a vehicle that is 25 years or older and MUST be in running condition.

True Signup and view all the answers

The following are requirements to waive the proof of income for unsecured loans except for two of the following: (Select two answers)

Bankruptcy Score 720 or Higher Signup and view all the answers

In order to get an Auto Approval for an unsecured loan, the applicant must meet these minimum requirements: 6 months or more with current employer, 2 years at current residence, and have a minimum monthly income of $500.

True Signup and view all the answers

Single Service Fee can be waived for members aged 18 or older by having all of the following except:

Secondary Savings with one transaction completed each quarter. Signup and view all the answers

When opening a new membership, ACCU requires a OFAC pull and ChexSytems for all Non-US Citizen with No Social Security Number.

True Signup and view all the answers

All the following must be notated on Loan notes for unsecured loans except which one of the following:

Notate the type of medical issue Signup and view all the answers

Which feature is NOT available with the Basic Checking account?

Courtesy Pay Signup and view all the answers

What are four benefits of the Alliance Checking account.

• Earns 4.00% APY on balances up to $15,000 with monthly qualifications: • Offers pre-paid legal estate planning with complimentary will through The Legal Sentinel program as well as Legal Sentinel discounts. • Provides cell phone protection covering up to $400 for repairs or replacements from eligible purchases. • Includes IDProtect® for identity theft monitoring and resolution service. • Features shopping rewards for cash back at various retailers with required registration. • Access to travel discounts at thousands of local and national businesses through registration. • Offers Buyer’s Protection & Extended Warranty for debit card purchases. • VIP concierge services and roadside assistance reimbursement (up to $80 per occurrence). • Discounts on Movie tickets. Signup and view all the answers

While in our system to create credit cards, when you instant issue a credit card, change the Number of Plastics to _____.

0 Signup and view all the answers

What are the three features/benefits of a personal unsecured loan?

Provides funds for personal purposes such as home improvement and debt consolidation, Member can save money. Provide peace of mind. Offers a fixed rate, does not require collateral, allows for longer terms with lower payments, offers loans up to $30,000, funds can be deposited into the members account, and has terms up to 60 months. Signup and view all the answers

What are the three features/benefits of an Overdraft Line of Credit?

Provides protection for your checking account in case of overdrafts, saves on transfers fees, saves on overdraft fees, provides peace of mind, and offers up to $5000 for emergency or personal needs, has a fixed rate, and needs no collateral. Signup and view all the answers

Early withdrawal penalties for CDs with a maturity of 9 months or less are equivalent to ____ days of interest.

90 Signup and view all the answers

The Standard Checking Account requires a minimum age of ____.

13 Signup and view all the answers

Name 4 qualifications to be eligible for membership at ACCU?

• Eligible groups include Catholics living, working, or attending school in Michigan or the Texas dioceses of Tyler and Austin. • Belong to the Catholic Faith in Michigan, worship in Michigan, are a Catholic in Michigan. • Employees or retirees associated with Michigan Catholic parishes or health care systems qualify for membership. • Relatives of current Alliance Catholic Credit Union members can become members. • Retirees living in Michigan receiving Social Security Benefits. • Employees of affiliated Select Employer Groups (SEGs) are also eligible. • Students, faculty, or alumni of Catholic universities in Michigan may join. Signup and view all the answers

When using ACCU product offerings, you state to the member that you have a special _______ offer for them.

Firm Signup and view all the answers

Name the 3 different ID types a Non-US Citizen could use to open a membership account at ACCU? (A Driver's License is not one of them)

Employment (Work) Authorization Card, Passport, Mexico Consular ID Card, Permanent Resident Card (Green Card). Signup and view all the answers

When opening a new membership account, the ChexSystems Qualifile Score must be over _______ to open a standard checking account.

580 Signup and view all the answers

Alliance Checking cell phone insurance protects?

Only covers your cell phone if your bill is paid by your Alliance Checking Account Signup and view all the answers

A soft pull counts as an inquiry on a credit report.

True Signup and view all the answers

Study Notes

ACCU Mastercard Credit Card

Open-end revolving loan with rewards or non-rewards options
Rewards card earns redeemable points
No application fee
Variable interest rate adjusts monthly with prime rates
Fixed due dates based on statement cycle dates
No collateral required unless applying for a share secured card
Minimum credit limit is 500,maximumlimitis500, maximum limit is 500,maximumlimitis30,000
No balance transfer fee
No reissue fee for lost/stolen cards
Reissue fee applicable for same card number, except for lost/stolen cards
No early payoff penalties, but a late fee of $30 applies
Members can report lost or suspicious activity by calling 1-844-408-2228
Reward points expire after 3 years, with notifications sent 6 months prior

Overdraft Line of Credit (ODLOC)

Revolving credit line covers checking account overdrafts
No application fee
Fixed interest rate
Fixed due date on the 28th of every month
Minimum credit limit is 500,maximumlimitis500, maximum limit is 500,maximumlimitis5,000
No early payoff penalties
Late fee is the greater of $15 or 15% of interest due after 10 days

Signature Loan

Closed-end personal loan secured by the borrower's signature
Unsecured loan available for personal expenses like weddings or vacations
No application fee
Loans range from 12 to 60 months
Fixed interest rate
Members can choose their due date
Minimum loan amount is 500,maximumloanamountis500, maximum loan amount is 500,maximumloanamountis30,000
No early payoff penalty
Late fees apply for payments over 10 days late

Tuition Loan (K-12)

Closed-end loan for financing private school tuition for K-12
Available for any eligible private K-12 school with funds disbursed via Cashier's Check
No application fee
Terms up to 12 months
Fixed interest rate
Minimum loan amount is 1,000,maximumloanamountis1,000, maximum loan amount is 1,000,maximumloanamountis6,000
Members can choose their due date
Late fees applicable after 10 days

Home Improvement and Celebration Loans

Both are unsecured loans aimed at personal financing needs
Home Improvement loans target renovations or furnishings with competitive rates
Celebration Loans assist in financing life events like graduations or weddings
Both loans offer amounts up to $30,000 and terms up to 60 months
Initial payment can be deferred for up to 90 days

General Loan Information

All loans require membership eligibility, with applicants needing to be at least 18 years old
Interest rates are subject to change without prior notice and depend on credit ratings

Christmas Loan

As low as 8.49% APR up to 12 months
Maximum loan amount of $4,500.00
Special expires: December 31, 2024
One Christmas loan per account

Risk Based Pricing for Christmas Loan

720+ credit score: 8.49% APR
719-680 credit score: 9.49% APR
679-640 credit score: 10.49% APR
639-600 credit score: 11.49% APR
599 and below credit score: 12.49% APR

### Income Verification for Christmas Loan

Applicants must demonstrate the ability to pay
Verification of income may be required in the form of a paycheck stub, direct deposit, or written verification from the member's employer
If the applicant cannot demonstrate the ability to repay, a qualified joint applicant who has the means to repay and agrees to joint liability must be obtained
If the member is self-employed, the loan officer or Credit Committee may require W2, signed tax returns, and/or a profit and loss statement
If verification of income is waived, the reasons for the waiver need to be documented on the application

### Risk Based Pricing for Loans

Credit union uses credit-based pricing to offer the best possible rate based on each individual's credit profile
Allows Alliance Catholic Credit Union to service members with less-than-perfect credit by offsetting the risk of potential loan loss

### Loan Application Process

Ensure the borrower's name, address, and employer information matches the application
Overtime or bonus income is not used when calculating income as the funds are not guaranteed
Do NOT add loan notes regarding a member's immigration or citizenship status

### Income Verification

Bi-weekly: Add up the last 4 deposits and then divide by 4. Multiply by 1.25 (averages the taxes) and then multiply by 26. Finally, divide by 12.

Requirements to waive proof of income on Unsecured Loans:
- Existing member (1+ years)
- Debt vs.Income up to 55%
- Credit Committee Approval if over 55%
- Unsecured Loan Amount up to $10,000
- 2+ years on the job (or total of 2 years in the same line of work)
- A & B borrowers, FICO Credit Score 700 and up
- Bankruptcy score 500 or less
- Unsecured ratio 40% or less
- Total Unsecured Debt with ACCU 25% or less
- Borrower(s) cannot be self employed

### Loan Documents

Two (2) most recent paystubs
Tax Returns:
- Business: (2) complete, most recent years business tax returns including all schedules. (2) complete, most recent years personal tax returns including all schedules.
- Personal: if self-employed, (2) complete, most recent years including all schedules.
Other: ___________

### Credit Report Information

Most FICO and VantageScore models range from 300 to 850
Higher scores indicate lower risk to lenders
Industry-specific FICO scores can range from 250 to 900.
Credit scoring models often categorize scores into smaller ranges (e.g., poor, fair, good, excellent).

### Credit Score Range Categories & Implications

Poor (300-579): Difficulty qualifying for loans and credit cards; higher fees and interest rates if qualified.
Fair (580-669): Easier loan and credit card qualification with decent terms, especially at the higher end of the range.
Good (670-739): Qualification for loans and credit cards with low fees and interest rates.
Very Good (740-799): Qualification for most lenders' credit accounts with low advertised interest rates.

Guaranteed Asset Protection (GAP)

GAP coverage protects members from financial loss if their vehicle is stolen or damaged in an accident.
GAP pays the difference between the insurance payout and the actual repair cost.
In the event of a total loss, members receive $1,000 towards a new vehicle if financed through ACCU.
GAP can be added at any time, as long as the loan-to-value (LTV) is 100%.
The cost of GAP is $449 and can be added to the loan or purchased separately.
GAP can be cancelled within 90 days of loan closing for a full refund.
GAP protects all vehicles and recreational vehicles except classic autos.

CUNA Debt Protection

Debt protection provides financial relief for loan payments in case of unexpected life events like unemployment, disability, or death.
It helps members manage finances and protects loved ones from loan responsibility in case of death.
Debt protection can be added to loans for credit cards, home equity, vehicles, and recreational vehicles.
The fee is a percentage of the loan balance and can be added after loan closing.
Debt protection can be cancelled at any time with a written request.

Mechanical Repair Coverage (MRC)

MRC is similar to an extended warranty, providing coverage for vehicle repairs.
The cost is based on the vehicle's year and anticipated mileage.
MRC offers additional benefits, like add-on mileage coverage, rental coverage, roadside assistance, emergency travel reimbursement, and transferable coverage.
Members can request an MRC quote online with their CUNA login.
MRC fees vary based on the vehicle's make and model year.
MRC can be added after loan closing, but members will have to pay out-of-pocket.
Members can cancel MRC within 30 days of closing and receive a refund by completing a “30-day free look form”.
Coverage varies depending on the selected package.
MRC does not cover normal maintenance like batteries, filters, belts, hoses, wiper blades, brake pads, rotors, or drums.

Wire Transfers

Members can request wire transfers in person, by phone, or by email
Phone Requests:
- Representatives will verify the member’s identity
- Representatives will send a Wire Request Form to the member’s email address on file. They cannot send to an alternate email.
- Representatives will inform the member to send back the form with a copy of their ID.
Email Requests: Verify the member’s signature against their file. If no valid signature is found, get approval from a manager.
- Representatives will verify that the notary listed on the form is active within the county listed if a notary is required.
Manager’s Approval: Required for requests over 1,000.00formembersand1,000.00 for members and 1,000.00formembersand25,000.00 for businesses.
- Manager will verify the process, signature, member identity, and place a follow-up call to the member from a number on file.
- Manager will complete the Wire Checklist and send the completed checklist, copy of ID, and wire form to deposit operations.
Cutoff Times: Domestic wires are accepted until 3:00 pm Monday-Friday. International wires are accepted until 1:00 pm Monday-Friday.
- Requests received after cutoff times will be held until the next business day.
Branch Requests: The representative will verify the member’s identity, obtain a copy of their ID, assist the member with the Wire Transfer Request form, ensure the form is signed and dated, and sign and complete the CU Employee information at the bottom of the form.
- Representative will email the completed wire request form, Wire Checklist, and copy of their ID to Deposit Operations with the subject line "Wire [member’s name]".
- International Wire Requests: Must be made in-person so members receive disclosure.
- Members have 30 minutes from receipt of disclosures to rescind the wire request. If they wish to stop the request, contact Deposit Operations at ext. 4930.
- Members must write "Stop Wire Transfer" on the Wire Transfer Request Form and sign and date it.
Documentation: Completed and Signed Wire Request Form, Copy of Member’s ID, Wire Checklist, signed Notary Verification when applicable, and additional documents.
Retail Responsibilities: Validate member’s information and ensure all forms are complete and legible.

Credit Card Issuance

For instant issuance, click on “Set a Custom Expiration Date” to set the expiration date. The month/year should be the same as the card creation date plus 4 years. For example, if a card is created on December 11, 2018, the expiration date will be 12/22.
For phone or email requests, a notarized signature is required.
Known members of the credit union can have the notary requirement waived with approval from the VP Deposit Operations, VP Retail, or a member of the Executive Team.
To Set Up A Credit Card:
- Enter the interest rate code, the member’s base account number, card type, and application branch number.
- Enter the credit limit, credit bureau report code, credit score, and credit life insurance flag.
- Enter the Symitar 13-digit MICR number for saving and checking account numbers.
- Select EN-American English for the language field. Leave all other fields as defaulted.
- Click "Create Account".
- Springboard will display a screen with the new card number and information.
- Copy and paste the card number into CardWizard Web to create the credit card plastic if needed.

Notary Public

Requirements: Staff must be commissioned Notary Public with the State of Michigan.
Must verify the identity of the individual signing, the individual must sign in the notary’s presence, and must complete a notary journal log.
Cannot perform notarial acts for an individual who is related to the member, but can perform for close friends.
Keep notary seal, journal log, and notary commission card in a secure place.
Must keep the notary journal log for a minimum of five years after the notary’s commission expires.

Credit Card Minimum Payments

Minimum credit card payment is at least $25 or 2% of the outstanding balance, whichever is higher
Minimum payment amount may vary depending on the credit card issuer.

Alliance Credit Union Checking Account Overdraft Protection Sources

Overdraft protection sources for Alliance Credit Union Checking Accounts:
- Credit Card Account
- ODLOC Account

Alliance Credit Union Loan Requirements

Requirements for waiving proof of income:
- Debt-to-income ratio (DTI) of 55% or less
- Unsecured loan amount of $30,000 or less
- Bankruptcy score 500 or less

Alliance Credit Union Loan Practices

ODLOC Loans are NOT risk-based priced.

Alliance Credit Union Account Practices

When taking a loan application, it is crucial to:
- Obtain proof of income
- Pull a credit report
- Notate all questions and add detailed notes in the note section.
Monthly fee for Alliance Account: $6
CHEXSYSTEMS checks are not performed on:
- Individuals under 18
- Non-US citizens
- Individuals using 999-99-9999 as a SSI number.
Basic Checking does NOT come with Courtesy Pay.
Alliance Checking requirements for dividend:
- Direct Deposit
- 10 signature-based "Credit" transactions
- 10 signature-based "Debit" transactions
- Enrollment in E-statements

Alliance Credit Union eSign

First step to upload a document to eSign: Drag and drop the PDF files
Preferred file format for documents before sending them through Synergy eSign: PDF
To initiate sending a document for signing after uploading, select 'Create Session'.

Alliance Credit Union Credit Reporting

Credit reporting agency used by ACCU: Experian
A soft pull is NOT an inquiry on a credit report.

Alliance Credit Union CDs

Dividends on CDs are compounded and paid monthly

Alliance Credit Union Other Facts

A "PET" code on a credit report indicates an active bankruptcy program.
We cannot lend to anyone with a "PET" code.

Unsecured Loan Proof of Income Waiver Requirements

Existing member requirement: Applicants must be existing members for at least one year.
Debt-to-income ratio (DTI): Maximum allowable DTI is 55%.
Loan amount: Loans cannot exceed $10,000.
Employment history: Applicants must have been employed for at least 2 years, or have a total of 2 years of experience in the same line of work.
Credit score: Applicants must have a FICO credit score of 700 or higher, and be classified as A or B borrowers.
Bankruptcy score: The bankruptcy score must be 500 or lower.
Unsecured ratio: The unsecured ratio should not exceed 40%.
Total unsecured debt with ACCU: Total unsecured debt with ACCU should be 25% or less.
Self-employed applicants: Self-employed individuals are ineligible for the proof of income waiver.

A share secured credit card is linked to a share account, which acts as collateral for the credit card.
The credit limit on the share secured credit card cannot go above the available balance in the share account used as collateral.
Share secured credit cards cater to individuals with little to no credit history or those seeking to repair their credit.

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This quiz provides insights into various savings and Checking accounts designed for different age groups, from children to adults. Learn about features, benefits, and management opportunities associated with the Aspire and Angel Saving Accounts, as well as Certificates of Deposit. Test your knowledge on financial management tailored for members of Alliance Catholic Credit Union.

Account Types and Unsecured Loans for MSR 2 Certification

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Podcast

Questions and Answers

The University Checking Account offers dividends (interest) on the funds held in the account.

What is the main requirement for students to open the University Checking Account?

The minimum balance required to earn dividends on a Primary Savings Account is _____ dollars.

The Angel Savings Account is intended for members aged 13 to 17.

What feature is unique to the 13-Month Flexible CD?

What is the minimum balance requirement on the money market account in order to earn dividends

This checking account maybe available for members not qualifying for our standard checking account.

The University Checking Account is only available to students attending Detroit Mercy, Madonna, and Sienna Heights schools.

What number do we put into the Social Security field/ITIN when the member does not have an SSI# and presents a Passport plus Home Bill with current address?

What is the maximum loan amount for a Christmas Loan?

Home Improvement Loans require collateral.

Members with A/B Credit can defer the initial payment for the Home Improvement and Celebration Loans for up to _____ days.

Income from overtime or bonuses is included when calculating a borrower’s total income.

If a member has direct deposit into their savings account with ACCU, calculate the monthly income you would enter into the loan application using the following scenario: Bi-weekly Direct Deposits of $1400. Round up answer to the nearest dollar. (2524.7777 is 2525)

ACCU loans A paper rate (Credit Score) is ____ and above

In the event of a total loss, the GAP coverage pays the difference between the amount the auto insurance agrees to pay and the actual amount that was paid for the automobile.

Debt Protection is a voluntary loan-payment protection option that provides relief from the financial burden of the loan payment in the event of an unexpected life events and can cover all of the following, Except:

A _______ agrees to take responsibility for repaying a loan if the primary borrower misses a payment.

Our ACCU product offers are based on the members ____________________.

What time is the cutoff for processing a domestic wire transfer as stated on the wire request?

A wire request form can be emailed to any email address provided by the member.

The member MUST be present in the branch in order to process an international wire.

What is the name of the software system ACCU uses to create the file for making a member a credit card after closing the credit card application?

Alliance Mastercard Rewards members earn how many points per dollar for gas & grocery purchases?

What are overdraft protection sources for an Alliance Credit Union Checking Account? (Select two answers)

According to our Lending Department, when taking a loan application, the most important part you do is?

Which credit reporting agency is being used by ACCU?

What does a PET (Petitioned) code in a credit report mean for ACCU lending purposes?

What are the 3 requirements of Alliance Checking in order to receive a dividend?

Who is most likely to benefit from a share secured credit card?

This loan has features that include the following: Loan amount up to $6000, A rate as low as 4%, Term up to 12 months.

Classic Auto Loans are used for financing a vehicle that is 25 years or older and MUST be in running condition.

The following are requirements to waive the proof of income for unsecured loans except for two of the following: (Select two answers)

In order to get an Auto Approval for an unsecured loan, the applicant must meet these minimum requirements: 6 months or more with current employer, 2 years at current residence, and have a minimum monthly income of $500.

Single Service Fee can be waived for members aged 18 or older by having all of the following except:

When opening a new membership, ACCU requires a OFAC pull and ChexSytems for all Non-US Citizen with No Social Security Number.

All the following must be notated on Loan notes for unsecured loans except which one of the following:

Which feature is NOT available with the Basic Checking account?

What are four benefits of the Alliance Checking account.

While in our system to create credit cards, when you instant issue a credit card, change the Number of Plastics to _____.

What are the three features/benefits of a personal unsecured loan?

What are the three features/benefits of an Overdraft Line of Credit?

Early withdrawal penalties for CDs with a maturity of 9 months or less are equivalent to ____ days of interest.

The Standard Checking Account requires a minimum age of ____.

Name 4 qualifications to be eligible for membership at ACCU?

When using ACCU product offerings, you state to the member that you have a special _______ offer for them.

Name the 3 different ID types a Non-US Citizen could use to open a membership account at ACCU? (A Driver's License is not one of them)

When opening a new membership account, the ChexSystems Qualifile Score must be over _______ to open a standard checking account.

Alliance Checking cell phone insurance protects?

A soft pull counts as an inquiry on a credit report.

Study Notes

ACCU Mastercard Credit Card

Overdraft Line of Credit (ODLOC)

Signature Loan

Tuition Loan (K-12)

Home Improvement and Celebration Loans

General Loan Information

Christmas Loan

Risk Based Pricing for Christmas Loan

Guaranteed Asset Protection (GAP)

CUNA Debt Protection

Mechanical Repair Coverage (MRC)

Wire Transfers

Credit Card Issuance

Notary Public

Credit Card Minimum Payments

Alliance Credit Union Checking Account Overdraft Protection Sources

Alliance Credit Union Loan Requirements

Alliance Credit Union Loan Practices

Alliance Credit Union Account Practices

Alliance Credit Union eSign

Alliance Credit Union Credit Reporting

Alliance Credit Union CDs

Alliance Credit Union Other Facts

Unsecured Loan Proof of Income Waiver Requirements

Share Secured Credit Cards