Share (Savings):
Depositing a set amount regularly into your share (savings) account will provide you with a feeling of security when emergencies arise. Deposits can be made in person, in the night depository, through the drive-thru, or by mail (please don't send travelers cheques or cash by mail). Savings in TAP FCU can also be used a security for a loan at a more attractive rate (this is called a share loan). Dividends are paid quarterly on balances over $100.00.

Share Draft (Checking):
Personal and Business checking accounts are available. Dividends are paid monthly on the first day of each month. The minimum daily average balance to earn a dividend is $500. A $10 monthly service charge is incurred when the daily balance falls below $500. The first check order (150 checks on personal account are provided free).

Share Certificates:
Certificates are available for terms of three months to four years. The minimum certificate amount is $500 and dividends compound monthly.

Traditional IRA and Roth IRA:
Accounts can be opened with a minimum deposit of $50. IRA and Roth IRA Certificates area available for a one-year term. The minimum IRA - Roth IRA certificate amount is $1,000. The credit union also has available IRA's under the SEP (Simplified Employee Pension) Plan available.

Escrow:
This is an operational account for the purpose of providing members a separate account to deposit escrow funds, security deposits, etc. so as not to commingle those funds with other types of deposits. Escrow Checking is also available. Funds in these accounts are not paid a dividend. Call the credit union office for more information on these accounts.

Cashier's Checks or Teller Checks:
Cashier's or Teller checks are available free of charge for withdrawals from escrow accounts. There is a $1 charge for Cashier's Check or Teller check withdrawals if it is not made payable to the member.

Travelers' Cheques:
We offer Gift Cheques, Express Packs, and Cheques for Two.

Save Time and Money with Direct Deposit:
The credit union is set up to receive direct deposits and automatic debits electronically free of charge.

Dividend Computation:
The system determines the average daily balance in the account for the period. The average balance is multiplied by the daily dividend factor and the number of days in the period.

Average Balance X Dividend Factor* X Number of Days in the Period

*Dividend rate divided by 365. (days in a year)

Low Loan Rates:
Loans at your credit union are low cost. Don't take our word for it--shop before you borrow! TAP FCU has no prepayment penalties, hidden costs or add-on charges of any kind to the contract. Interest is charged on a daily basis between payments and is computed on the unpaid balance.

Consumer Lending:
Numerous types of loans are available to include: Secured such as auto, boat, motor home, and business equipment; and Unsecured such as vacation, bill consolidation, Mastercard, and line of credit.

Real Estate Lending:
We specialize in interim construction lending. The credit union also offers great programs for investment property, land loans and home improvements. Review the Real Estate Loans page in this Web site, then call or come by the credit union to get more information on our programs.

MasterCard:
Regular, Gold, or Secured MasterCard's are available at TAPFCU. No annual fee is assessed and no interest is charged on purchases when the complete bill is paid by the due date. Use our on-line credit card application to apply today. Your application will come to our staff in a confidential, secure e-mail on a secure Internet server. If your computer's firewall prevents you from seeing secure pages on the Internet, simply come by the credit union, or call 210.593.1200 and request to have a Credit Card Application form fax'd or mailed to you.

Insurance Coverage:
Optional Loan Protection (Credit Life and Credit Disability) insurance is available. Contact the credit union for details on these valuable insurance plans.

$100,000 Federally Insured Accounts:
Share accounts are insured to $100,000 by the National Credit Union Administration, a U.S. government agency. In addition, TAPFCU is protected by a blanket surety bond covering all officials and employees against fraud, embezzlement, theft, robbery, forgery or any dishonest act involving credit union assets.

TAP Line:
Our 24-hour Voice Response System is available 24 hours a day, 365 days a year for your convnenience. Check balances, make transfers and more. Call 210.614.4255 or toll free 1.800.865.6325. See the TAP Line page under Services for detailed instructions on how to use Tap Line.

Home Banking:
Online banking is now available! You can log on from any computer at any time of the day. Account history, printable statements, the ability to view cleared checks, transfers, withdrawals and more options are available. You can even give us feedback so that we can make our site everything our members want it to be. Call a credit union representative today to sign up!

Your security in mind . . .
In an effort to protect members from identity theft, your credit union will no longer print a social security or tax identification number on account statements.