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):
Christmas Club Account:
Draft (Checking) Account:
Direct Deposit:
On-Line Banking:
Loan Services:
- 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 40 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:
ATM/Debit Cards:
Sybil (Bank by Phone):
VISA Classic:
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.
- $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:
- Notary Service
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.
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
Phone: 260.724.1338 or 877.392.5977 | Fax: 260.724.1325
Hours: Monday - Friday - 8:00am - 5:00pm