Online Banking Login

Important Links


Check out our great car loan rates

New car loans at 3.90% for up to 72 months

Used car loans (2014-2017) at 4.90% for up to 60 months

***Ask if you qualify for a .5% rate reduction ***

See rates section for more details. Pay 10 months or 12 months a year.
Call today for an application or e-mail us at info@myfavoritecu.com


Home Equity Loans

Minimum: $10,000 maximum: $100,000.00
Variable rate line of credit 3%*
5 year fixed 3.75%
7 year fixed 4.00%
10 year fixed 4.25%

 Caps: 2% annually, Max. Lifetime Rate is 18% and will not decrease below 3.0%.
*Variable Rate LOC is 15 year term. Rate is Prime – 1% for the 1st yr then Prime – 1/4%

 Apply for Mortgage or Home Equity


Surcharge Free ATM Locations

Your cards can be used at thousands of surcharge free ATM machines.

Click on the following links to find the locations most convenient to you.

Star surcharge free locations

MoneyPass surcharge free locations

Worldwide ATM (PLUS) Locations

Click on the following link to find the locations you are traveling to.

Worldwide ATM machines locator


IF YOUR VISA CHECK CARD IS LOST OR STOLEN

Call 800-523-4175 when the office is closed


Online Bill Pay

Our new online bill pay system is now available! Through this system you can enter and save all of your monthly bills to conveniently pay them from one place.  No more writing checks and paying for stamps!  No more signing onto multiple websites to pay each bill!  You must have a checking account with us to use online bill pay. Sign up and start saving your valuable time and money.

To access online bill pay you must sign in to Internet Teller by clicking on the ONLINE BANKING button at the top of this page.  Once you are logged in to Internet Teller, the Online Bill Pay link is on the top tab.  Click on that link to enroll.

If you are not currently enrolled in online banking you must do that before you can enroll for online bill pay.  Click on the forms link at the top of the page and download the online banking form.  Submit the form to the credit union and we will enroll you for online banking.

Please make sure you use your 10 digit checking account number when enrolling for Bill Pay.  (Your account number is micro-encoded on your check  and begins with 270)

To view how the online bill pay system works, please click on the link below.  After you watch the tutorial, you may also try a demo of the system.


Bill Pay Guided Tutorial


Order Your Checks Online From Harland Clarke – our preferred provider

Click this link to: Order Checks

Secure, Fast Ordering – Ordering checks online from Harland Clarke is as safe and secure as ordering them in person or over the phone.

The site is Verisign secure and TruSecure certified, so your transactions and account information are safe and completely confidential.



E-Statements

To sign up for E-statements, click the link:  Application for EZ Statements

If you are already registered, access your EZ statement:   My EZ-Statement


Tiered Money Management Savings

 Our policy for our new tiered Money Management Savings Account can be found by clicking on ACCOUNTS. This type of account is being offered to provide our members with a higher yielding savings account. Offering a higher paying dividend rate on the tiered Money Management Savings will cause slight reductions in dividends being paid on your other share savings accounts (accounts RG – 06). This sub-account, 07, must be established at your request and monies deposited to it in order to benefit from the higher dividend rates.

Click on RATES at the top for current terms and rates for cds


Visa Debit Cards

 Click on: APPLICATION  to download a PDF file of an application for a Southern Middlesex County Teachers FCU Visa Debit/ATM card (with an attached User Agreement and Disclosure). You can use this  card to make signature purchases wherever Visa is accepted AND to make pin based withdrawals, deposits or transfers at an ATM machine with a Star/Plus logo or to make pin based point of sale purchases. All purchases will be directly debited from your checking account, therefore you must have a checking account with us to have one of these cards. If you are interested in obtaining a Visa Debit/ATM card, please complete the downloaded application and mail or bring it in to us. Please detach the User Agreement and Disclosure and keep for your records. We will process your application and the card will be sent to you in the mail. If you currently have an ATM card, the Visa Debit/ATM card will replace it. The original ATM card will be deleted from the system after activation of the new card. Note: If you currently have an ATM card and do not wish to obtain a Visa Debit/ATM card do nothing. If you have no type of card with this credit union and wish to obtain only an ATM card, contact the credit union for an ATM only card application.

Your Visa debit card is protected by Verified by Visa. It password protects your card for free when shopping online. The next time you shop online at participating stores, enter the information requested to activate your card in order to complete the transaction. Or, set up your password ahead of time by going to   www.visa.com/shopverified


Online Banking

You may use online banking to view your account balances, make transfers, loan payments or to request withdrawals.

Click on the ONLINE BANKING button at the top of this page for more information and to access the online banking system.


2016 Closings

New Years Day Friday January 1st

 Martin Luther King Jr.        Monday          January 18th

 Presidents’ Day                   Monday          February 15th

 Easter Holiday                     Monday          March 28th

 Memorial Day                     Monday          May 30th

Independence Day Monday July 4th

  Labor Day                         Monday         September 5th

  Columbus Day                    Monday         October 10th

  Veterans Day                      Friday         November 11th

  Thanksgiving                      Thurs, Fri     November 24th & 25th

  Christmas Holiday                 Monday     December 26th

2016 Early Closings

  November 23rd           Wednesday   3:00 PM

  December 27-30th                  Thursday    3:00 PM

 

 IN THE EVENT OF INCLEMENT WEATHER THE CREDIT UNION MAY NEED TO DELAY OPENING OR EVEN CLOSE. 

PLEASE CHECK BACK TO THIS WEBSITE REGULARLY FOR UPDATES. 

WE MAKE EVERY ATTEMPT POSSIBLE TO MEET YOUR NEEDS AND APOLOGIZE FOR ANY INCONVENIENCE THIS MAY CAUSE.

 

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