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Frequently Asked Questions

Personal Services

Personal Membership

How do I join the credit union?

How do I add a joint owner to my account?

How do I fund my new account?

How can my business join the credit union?

Are my funds insured?

More information on membership with REALTORS® FCU.

Savings

How do I open a new share account?

How can I open a new account/make a deposit that exceeds the daily maximum funding limit of $99,000?

Are my funds insured?

Is there a minimum to open?

Are monthly deposits required?

Is there a minimum/maximum deposit amount?

When can I withdraw the money?

Are there penalties for early withdrawal?

More information on savings.

Checking

How do I open an eChecking account?

How do I deposit checks?

How do I order checks?

How can I find an ATM?

How do I change my debit card PIN?

How do I report a lost or stolen debit card?

How do I see a pending hold?

What is Courtesy Pay?

Do you have overdraft protection?

How can I get help managing my checking account?

More information on checking.

Certificates

How do I open a certificate account?

Are my funds insured?

More information on certificates.

New and Used Auto

How do I apply for a vehicle loan?

How can I make an auto loan payment?

More information on auto loans.

Home Loans

How do I apply for a home loan?

Can I apply for a loan before I find a property to purchase?

How do I complete the online application?

How does the application process work?

What are the fees for using this service?

Is there a fee charged or any other obligation if I complete the online application?

What is the maximum percentage of my home’s value that I can borrow?

How can I make a home loan payment?

More information on home loans.

Personal Loans & Credit Lines

How do I apply for a personal loan?

How can I make a personal loan payment?

More information on personal loans .

Virtual Branch

How do I change or add a beneficiary to my account?

How can I pay my bills online?

How can I request a wire transfer?

How do I deposit checks?

How do I order checks?

How do I see a pending hold?

More information on Online Banking.

Business Services

Business Membership

How can my business join the credit union?

How can I apply for personal membership?

How do I fund my new account?

How do I join the Partner Program?

Are there any monthly fees?

Are my funds insured?

More information on business membership with REALTORS® FCU.

Savings for Businesses

How do I open a new business share account?

Are my funds insured?

More information on savings for businesses.

Certificates for Businesses

What are the penalties for withdrawing early from my certificate?

Are my funds insured?

How do I open a new business certificate account?

More information on certificates for businesses.

Member Business Lending

How do I apply for a loan?

For what purposes can Member Business Loan (MBL) proceeds be used?

What Member Business Loan (MBL) products are available?

What are the MBL loan rates?

Are MBL rates fixed or variable?

What term options are available?

Are unsecured business lines-of-credit available?

What is the minimum loan amount for an MBL?

What is the maximum loan amount?

Are there any fees associated with the application origination process?

Does the loan have to be secured by collateral?

What type of financial data is required with the application?

Is there a maximum number of investment properties that an individual broker or REALTOR may own?

How long does the approval process take?

How are loan proceeds disbursed?

How are loan payments calculated?

Does the monthly loan payment stay the same over the life of the loan?

How will I receive monthly loan statements?

When should I expect to receive monthly loan statements?

How do I make a loan payment?

Are there any penalties for early payoffs?

How far in advance can I pay future loan payments?

What is the grace period for late loan payment?

What is the fee for late loan payments?

More information on Member Business Lending

Can’t find the answer you’re looking for? Contact a Member Care representative at 866.295.6038 24-hours a day or send us a secure message. We’re here for you!

Frequently Asked Questions

Personal Services

Business Services

Can’t find the answer you’re looking for? Contact a Member Care representative at 866.295.6038 24-hours a day or send us a secure message. We’re here for you!

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