Products and Services

Share Accounts (Savings)
Membership Account. A minimum of $5 is required.
Share Draft Accounts (Checking)
This account does not require a minimum balance, no monthly or per check charge. Fees will be assessed for insufficient funds, returned checks, and stop payments. No charge for a copy of a paid draft unless a large number of copies is requested.
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 weekly basis. Minimum balance of $1,000. (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.
24 Hour ATM
At all locations for cash withdrawals, loan payments by transfer, and inquiries.
24 Hour Night Deposit
At all 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.
Download a VISA Application (pdf)
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
Download a VISA Application (pdf).
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 $0.75 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 Line of Credit loans, new and used vehicle loans, new and used recreational vehicle loans, etc. We offer a wide variety of mortgage options, (including primary residence, secondary homes, investment property, and vacant land), 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 in our Rogers City (989-734-4130) or Cheboygan (231-597-9660) offices or email loans@calcitecu.com for answers to any lending questions concerning rates and terms.