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Central Soya Federal Credit Union

Save or Borrow, Today or Tomorrow

Guide to Member Services


The following is a list of all the services we offer to our members.
Savings (Share Account):
  • Dividends are calculated DAILY and paid quarterly
  • Minimum balance of $5.00 required to maintain membership
  • Special Savings account available

Christmas Club Account:
  • Begins the 2nd week in October
  • Last payment made the end of September
  • Checks mailed early in October
  • Very competitive dividend rate
  • $15.00 early withdraw penalty

Draft (Checking) Account:
  • First 50 checks free
  • No Monthly service charges
  • No minimum balance requirement
  • Automatic overdraft protection available upon request
  • Dividends paid on $400 (or higher) daily balance
  • Minimum opening deposit of $25.00

Direct Deposit:
  • A portion, or all, of your paycheck can be automatically deposited to your account or various accounts
  • Convenient and safe way to automatically pay loans and make deposits

On-Line Banking:
  • Convenience of banking from home
  • Transfer money, pay loans, get statements, and account history
  • Mobile App for Android and Apple users

Loan Services:
  • Personal Loans
  • New auto loans with 100% financing available
  • Used auto loans with 100% financing available
  • Camper, Motorcycle, Snowmobile, Boat, Personal Watercraft loans
  • Share Secured loans
  • Convenience of payroll deduction to pay back loan
  • * Call the office for current rates
Share Certificates:
  • $500 minimum deposit
  • Competitive rates
  • 6 month, 1 year, 2 year and 3 year terms available

ATM/Debit Cards:
  • Accepted worldwide as a Visa® credit card, but purchases are automatically deducted from your Share Draft (checking) account
  • Can be used in place of a check
  • Saves you the cost of check orders
  • Accepted in more than 140,000 ATMs

Sybil (Bank by Phone):
  • 24-hour access by phone. You can obtain histories and balances within your account
  • Also, transfer funds to another account, make payments or balance your checkbook
  • Confidential, safe, convenient, easy and free

VISA Classic:
  • Low fixed APR Visa Classic Credit Card
  • No annual fee
  • 25-day interest-free grace period
  • Cash advances at Main office and ATMs
  • World-wide acceptance
  • $250,000 Travel and Accident Insurance

Other Special Services and Benefits:

Credit Union Forms, Membership Fees:

All Credit Union forms, including loan applications, membership cards, etc., are available from the Credit Union office.

There is a 25 cent fee per person to join (50 cents if a joint account). To maintain an account there must remain at least a $5.00 balance in your regular savings.
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Central Soya Federal Credit Union | 1200 N 2nd Street • Decatur, IN 46733

Phone: 260.724.1338 or 877.392.5977 | Fax: 260.724.1325
Hours: Monday - Friday - 8:00am - 5:00pm