CU@ HOME ONLINE BANKING
You can manage your finances from the comfort of your home 24/7/365 with our FREE CU @ HOME Online Banking. It is quick and easy to transfer funds between your accounts, check your balances and review your history of your accounts. You also have secure email messages between you and your Credit Union.
It's easy to get started! Contact the Credit Union at 337-436-2257 or come by to get signed up.
We now offer ezStatements FREE. When you enroll for this service you will no longer receive a paper statement by mail. It's simple. You will receive an email when your statement is ready and you simply login to view your current statement. You may also view past statements, print any of these statements, and save them to other sources on your computer. You will also be able to view the quarterly newsletter
We now offer Bill Pay FREE to members with checking accounts. It makes paying bills simple and easy from the comfort of your home. Contact the Credit Union at 337-436-2257 or come by to get signed up.
What is it?
This is a new tool that provides extra protection for your online data and helps guard against fraudulent online activities like phishing scams and identity theft.
How does it work?
In addition to your Logon ID and Security Code, the system recognizes your computer and usage patterns. If a questionable logon attempt is detected, the system will require additional identity verification before allowing access.
How does it protect against phishing?
When you enroll in Multi-Factor Authentication (MFA), you choose a secret image and phrase combination. You will see your secret image and phrase, you can be reassured that you are logging on to your actual Internet Banking or Bill Payment site.
This enhancement has already implemented on EzCardInfo for your VISA Credit Cards.
This is a monthly newsletter that is emailed to you. This is another new service offered to you by SPELC FCU. Call and give us your email address so you can receive this exciting new product.
PLATINUM VISA CREDIT CARD
We offer the convenience of a VISA Platinum Credit Card, with an interest rate lower than most. Visa offers worldwide acceptance, ATM accessibility and cash advances along with many other benefits. It's convenient, no annual fee, low rates and also has a 25 day grace period. APPLY TODAY! For all other fees please see our FEE SCHEDULE.
VERIFIED BY VISA - Register your Visa TODAY!
Visa cards (debit or credit) is now protected by Verified by Visa - this password protects your card for free when you shop online. The next time you shop at participating online stores, you'll see some new screens. Enter the information requested to activate your cards in order to complete your transaction. It only takes a moment, and then your card will have password protection whenever you shop online. Shop online with greater security at participating stores.
Your Visa credit card account can be viewed and managed online with eZCardInfo. It's simple and easy to use.
These loans are up to 80% of the value of your primary resident located in Calcasieu Parish. These loans are variable rate based on the prime rate. Contact the Credit Union for details.
(OPEN END) LINE OF CREDIT UNSECURED LOAN
This type of loan can be granted up to $7000.00. Must have 10% of credit limit in the savings account. They are at a variable rate based on the prime plus 3.25% to 7.50% depending on your qualification. Payments are based on 3% of the balance at time of your last cash advance. The minimum cash advance is $200.00. Contact the Credit Union for details.
(OPEN END) LINE OF CREDIT VEHICLE LOAN
New Vehicles are up to 100% of sticker with terms up to 72 months. You must have a minimum of $100 in the savings account. Rates and limits vary depending on your qualification. Cash advance availability is based on the current value and equity at the time of the cash advance request.
Used Vehicles are up to 100% of book value of a vehicle with terms up to 60 months. You must have a minimum of $100 in the savings account. Rates and limits very depending on your qualification. Cash advance availability is based on the current value and equity at the time of the cash advance request.
(OPEN END) SHARE AND CERTIFICATE SECURED LOANS
This type of loan is secured 100% by regular savings or certificate of accounts. The rate depends on the type of security backing the loan. The minimum cash advance is $200.00.
If you have been a member for at least six months, you qualify for a overdraft loan. This type of loan prevents items being returned due to insufficient funds in the checking account. The limit on overdraft loans is $300.00.
Quick and Easy! Loans up to $600.00. Similar to Pay Day loans with cheaper interest rates.
SAVING PRODUCTS: (All accounts are dividend paying accounts)
Regular Share Accounts