New Car & Truck Loans:  One of our most popular programs.  Qualified members can finance their purchase up to 60 months at low rates.

Used Car & Truck Loans:  Providing financing for used cars is as important to us as providing it for new ones.  Rates determined by the trade-in value and the age of the vehicle.

Recreational Vehicles & Motor Homes;
New and Used:  Competitive rates depending on the age of the vehicle.

Boat & Motorcycle Loans:  Very competitive rates and terms.

Home Improvement Loans:  Borrow to make those desired changes to your home.

Revolving Credit Loans:  Use this line-of-credit based on your signature for any good purpose.

Consolidation Loans:  Borrow from the Credit Union to pay back other debts that are at higher interest rates.

Loans for any other productive purpose.

Best Way To Borrow

Shared Secured Loans:  Borrow against your shares on deposit for a great low rate.

Savings

Providing a safe place for members to accumulate savings is a principle function of the Credit Union.  We offer many programs to satisfy different levels of need.

Regular Shares:  Our most basic savings account dividends are paid quarterly.

Share Draft/Checking:  One of our most convenient and popular programs.

Christmas Club Accounts:  This special account helps you plan ahead for this special season.

Tandem Travel Club:  Plan ahead for our Vacation.

IRA's:  A great savings program to help you plan for the future.  We offer consistently competitive rates and your contributions are often tax--deferrable.

Term Share Accounts (Certificates of Deposits):  6 months, 12 months, 24 months, 36 months, and 60 months available paying above treasury bill rates.

Free Checking

Possible our most popular program, our Credit Union Checking account is one of the best.  Compare ours with other programs and decide for yourself!

At The Credit Union . . .

Interest Earning:  With a balance of $100 or more, earn competitive rates paid quarterly while still having the checking convenience!

No Minimum Balance:  Members can maintain any balance they wish without penalty or charge.

No Fees:  There is no per-check fee or monthly fee.  The only costs with normal usage is the price of your checks.

Convenient:  Our carbonless copy design gives you an automatic record of your checks.

A Checkback Program and Overdraft Line-of-Credit are also available.

Reorder your checks on-line

Many Others . . .
Interest?  Most places won't give you interest without a balance of $1,000 or more.

Many other programs require minimum balances from $250 to $2,500!

Per check fees and monthly fees are common with many programs.  They are usually tied to minimum balance requirements.

You won't have to wait until your cancelled checks arrive to balance your account! 

SERVICES
One of the most important functions of the Credit Union is to provide services that will prove convenient and effective to the members.

Service Centers
As a member of Service Centers Corporation, Tandem members can transact Credit Union business at any of the Credit Union Family Service Center locations.  Available transaction services include:

SC24 ATM Card
With an SC24 ATM card you can access your Credit Union accounts 24 hours-a-day, 7 days-a-week.  This card is accepted at all Credit Union Family Service Center ATMs, and anywhere in the world where you see the logo for SC24, NYCE, Cirrus, Member Access or MAC.

Other Services
Direct Deposit  Payroll Deductions  SC24 ATM Cards  Money Orders  Auto, Boat & RV Loans  New & Used Car Pricing  Free Notary  Christmas Club  Tandem Travel Club  Credit Life and Disability Insurance  Checking (Share Drafts)  IRA's  Night Deposit  Deposits and Withdrawals by Mail  Automatic Deductions for Direct Payments.

Speedy Line 24 Hour Access - call Tandem FCU at (586) 759-5050 for more details. 

INSURANCE
The Credit Union offers several insurance programs to provide for the protection of members and their savings.  Some of these insurances are automatic, and some are optional.

All Share Accounts Are Insured Up To $100,000 - The National Credit Union Share Insurance Fund (NCUSIF) automatically insures all Credit Union savings up to $100,000 per person.  IRAs are insured separately, also up to $100,000.

Credit Life Insurance - Available on all installment loans at nominal cost, Credit Life protects your beneficiaries from inheriting unpaid debts with coverage up to $40,000.

Credit Disability Insurance - Available on all installment loans for a nominal fee, Credit Disability protects you against a heavy debt burden in case of disability.

The Credit Union also makes available to its membership several other insurance programs, such as Family Group Life and Auto Insurance.

PAYROLL DEDUCTION/DIRECT DEPOSIT
ELECTRONIC FUNDS TRANSFERS
Two of our most convenient programs are Payroll Deduction and Direct Deposit.

With Payroll Deduction, you can have all or a portion of your paycheck deposited to any of your accounts.

With Direct Deposit, you can have your entire Payroll, Social Security, or Pension check deposited directly to your Credit Union accounts.

Both of these programs provide you with a worry-free deposit every pay period.  They will eliminate waiting in lines or worrying about misplacing your check.

Pay off loans automatically with Payroll Deduction.  Make your loan payments automatically and worry-free.

Fund a special savings account with Payroll Deduction or Direct Deposit.  Your savings will add up quickly for special uses with no extra effort.

Call or see us for details on any of these valuable services.