Products and Services

Share Accounts (Savings)
This account is insured dollar for dollar up to $2,000.00 The amount depends on the balance at certain ages. Premiums are paid by the Credit Union. Valid on accounts established before May 1, 2003.
Share Draft Accounts (Checking)
This account does not require a minimum balance, no monthly or per check charge. New accounts receive the first box of checks free. Fees will be assessed for insufficient funds, returned checks, and stop payments (unless lost or stolen). No charge for a copy of a paid draft unless a large number of copies is requested. No charge for transfers from one account to another.
Special Savings Account (Tiered Rates)
Click here for current rates
Side Savings Accounts
are available in addition to your regular savings to save for something special (Christmas, Vacations, Taxes).
Share Certificates
Rates can change on a daily basis, based on the rates available to the Credit Union through Central Corporate Credit Union. Minimum balance of $1,000.00. (available in 6 month / 1 year / 2 year / 3 year)
IRA Accounts
IRA accounts, including Roth, Traditional and Educational. Certificates are also available for 1, 2, or 3 years.
U.S. Savings Bonds
U.S. Savings Bonds are available for purchase at both locations or fill out the on-line application and return it to either office. Bond redemption is also available at both locations.
24 Hour ATM
At both locations for cash withdrawals, loan payments by transfer, and inquiries.
24 Hour Night Deposit
At both locations, place cash and/or checks in envelope with instructions. Transactions will be posted the following business day.
VISA Classic
Applications are available at both locations. The fixed rate is 11.0% and applies to both purchases and cash advances. 25 day grace period, $25.00 late fee, $25.00 NSF fee. No Annual Fee. Payments can be made at both locations. Click here for Disclosure Information.
VISA Platinum
Applications are available at both locations. The fixed rate is 9.5% and applies to both purchases and cash advances. 25 day grace period, $25.00 late fee, $25.00 NSF fee. No Annual Fee. Payments can be made at both locations. Click here for Disclosure Information.
Master Money Debit Cards
Allows you to make purchases at any Master Card merchant without writing a check. Great for traveling. Also gives you 24 hour access to your accounts.
Automatic Bill Payment (ACH)
Utility bills and monthly payments may automatically be charged to your checking or savings account. Some of the participating companies are:

  • Alpena Power Company
  • Detroit Free Press
  • Media One
  • AT&T Broadband
  • Detroit News
  • MichCon
  • Auto-Owners Insurance Co.
  • Ford Motor Credit Co.
  • Michigan Gas Utilities
  • Chrysler Financial
  • GMAC Financial Serv.
  • Presque Isle Electric & Gas Co-op
  • Consumers Energy Company
Enrollment forms are available at both locations. There is no charge for this service.

Money Orders
Available for .50 each (Members only)
Home Banking
Use your PC from the convenience of your home to do on line banking. You can access your accounts to do Account Inquiries, Account Histories, Account Transfers. Click here to go to home banking site.
Loans
We have several types of loans available including signature, share and vehicle secured and also recreational and mobile home secured. Home mortgage loans include property and mobile homes. Currently our interest rates for in house mortgages are either for a 5 year balloon amortized over 25 years or 15 year fixed. We also offer a wide variety of mortgages through the secondary market. For home equity loans please see a loan officer for additional information. Several types of loan rate specials are offered during the year. We encourage you to contact a loan officer at our Rogers City office (989-734-4130 or loans@calcitecu.com) to answer any lending questions concerning rates and terms.