Share Savings
Minimum balance of $5 per member; this is your share in the credit union. Dividend rates are calculated on the average daily balance and posted quarterly. You can deposit regularly through payroll deduction, direct deposit, ATMs, phone transfers, night depository, in person, by mail, and at several share branch locations.

Share Draft Checking
No minimum balance, no per check fees, and no monthly maintenance fees. Opening deposit is equal to the cost of the style of checks ordered (starts at about $11). Automatic overdraft protection from shares at $3 per transfer and/or from approved overdraft protection line of credit loan (maximum of $500). 24 hour account access through SYBIL - phone access line. All draft accounts are opened subject to verification and approval through ChexSystems.

Money Market
Earns higher rates than regular shares. Minimum $2500 deposit, rates are tiered based on account balance. If account falls below minimum tier balance, lower tier rate applies. Deposit and withdrawal limitations apply.

Christmas Club
Minimum opening deposit of $5. One withdrawal allowed per year prior to account payout in October. Dividends are calculated on the average daily balance and paid quarterly. Regular deposits can be made through payroll deduction, direct deposit, in person, or by the mail.

Vacation Club
Minimum opening deposit of $5. Dividends are calculated on the average daily balance and paid quarterly. No withdrawal or deposit limitations.

Share Certificates
Competitive rates with 6, 12, 18, 24, and 36 month terms, compounding quarterly with automatic renewal. Minimum deposit of $1000, penalties for early withdrawal.

IRA Passbook Savings and Share Certificates
Tax deferred savings with competitive rates. No initial set-up fees or monthly maintenance fees. Minimum opening deposit of $5 required for Passbook Savings and $500 for Share Certificate. Contributions according to IRS guidelines and substantial penalties for early withdrawal apply.

Direct Deposit and Payroll Deduction
Automatic deposit of entire paycheck or pension each payday if available through employer. Includes all Federal recurring payments such as Social Security and military. Automatic deposit of set amount (allotment) of paycheck if available through employer.

SYBIL - 24-hour Phone Access
24 hour access to all your credit union accounts - 7 days a week even on holidays. Check account balances, paid drafts, deposit amounts, and recent transactions. Also, transfer money and make VISA or loan payments. Call 260.436.4559.

Perfect Teller On-line Banking
24 hour Internet access to all your credit union accounts - 7 days a week, even on holidays. Check account balances, paid drafts, deposit amounts, and recent transactions. Also, transfer money and make loan payments. Contact the credit union to sign up.

VISA Check Card
Accepted anywhere VISA is honored. Pay for purchases as you would with a credit card, the money is then automatically deducted from your checking account. Get cash from your savings and checking at ATMs worldwide displaying the Star VISA/Plus, SHARE SYSTEM®, Magic Line, Cirrus or NYCE logo.

ATM Card
Access your checking and/or savings accounts at ATMs which display a Star, MAC, Cirrus, NYCE or SHARE SYSTEM® symbol.

Shared Branching
At several area credit unions, you may conduct limited account transactions. Such as cashing payroll checks and checks written off your Pinnacle Credit Union account and making deposits and VISA or loan payments.

Federal Deposit Insurance
All savings Federally insured up to $100,000 per member by the National Credit Union Administration (NCUA), an agency of the Federal government.

Full Family Membership
Once you are a member, all of your relatives are eligible to join. And remember, once a member, always a member, even if your employment changes.

Financial Planning
Members Benefit Financial Services (MBFS), a corporation owned by Pinnacle Credit Union, was formed to offer financial services to the credit union's members and families. All of the products offered by MBFS are not deposits of the Pinnacle Credit Union and are therefore not federally insured nor insured by the National Credit Union Association (NCUA).

We can help you with

•Financial Planning
•Mutual Funds
•Stocks
•Bonds
•Annuities
•Life Insurance
• Long Term Disability

For more information, e-mail us or call us at 260.436.1142.

VISA Credit Card
Choose from either the VISA Classic with credit limits up to $5000 or the VISA Gold with credit limits from $5000 to $10,000. Both cards have a low fixed rate, 25-day grace period, and no annual fee.

New Auto Loans
Competitive rates and 100% financing of sale price on new cars and trucks up to 60 months. Pre-approvals available to help you bargain for the best deal.

Used Auto Loans
100% financing of retail value. Competitive rates and financing from 36 - 60 months based on the year of the vehicle.

Payment Shaver Loan Program
Pinnacle CU is pleased to introduce the Payment Shaver Loan Program. Payment Shaver is an auto loan that is structured like a lease - only better!

Why is it better? Click here for some advantages:

To find out how you can get a Payment Shaver loan, e-mail us or contact the loan department.

Motorcycle/Boat/RV Loans
See new and used car loans.

Share Pledged Loans
Borrow against the money available in your share account. Interest rate is a fixed percentage above what shares are earning and lower than regular unsecured rates. Shares will be secured for the term of the loan.

Unsecured Loans
Credit available up to $8000 per qualified member. Fixed rate with terms up to 48 months.

USA Financial Services, Inc.
Can be pre-qualified at the credit union and then referred to our outside mortgage company,USA Financial Services, Inc. Click here to visit their site.

Second Mortgage
Available at competitive rates with terms up to 15 years.

Home Equity Line of Credit
Borrow against the equity in your home. Line of Credit allows access to your money at your convenience. Rates are variable.

Desired Payment or Term
Select an amount or length of time to repay so that your payment and term can be custom-designed (within lending guidelines).

Automatic Payment
Payment is taken automatically from either your savings or checking or through direct deposit from the Funds Manager Account on the 14th of each month. This saves you additional interest, postage and trips to the credit union.

SYBIL - 24 hour Phone Access
You may transfer the exact payment amount from either your savings or checking over SYBIL. Payment can be made at your convenience, 24 hours a day, 7 day a week even on holidays.

Perfect Teller - On-line Banking
You may transfer the exact payment amount from either your savings or checking via Perfect Teller. Payment can be made at your convenience, 24 hours a day, 7 day a week even on holidays.