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Open a Castle & Minster Current Account: With our current account you get: A cash card or debit card; Instant access to your money You can: Draw cash from over 30,000 LINK cash machines nationwide Set up direct debits and standing orders Pay wages and benefits directly into your account. And: Your money is as safe with us as it would be with a bank or building society. Penalty charges? Absolutely not! Unlike the banks we will not ‘fine’ you if you make a mistake. We prefer to be honest and ‘upfront’ about the true cost of your account. We will charge £6 per month to cover the cost of operating your account (Standard charges will apply for special requests such as Bankers drafts). For full details please ask for our fact sheet by ringing 01484 226666. Saving with Castle & Minster Credit Union We aim to provide a fair and competitive dividend on savings. Last year we paid 1% on any balance, no matter how small, instant access and with no tie-in penalties AND to encourage the next generation of credit unionists we paid the ‘kids’ 2%! You can make payments in person or by post using cash or cheque at any of our branches listed on our Contact Us page or: At a collection point . By Standing Order. By payroll deduction for employees working for Kirklees Metropolitan Council, Calderdale & Kirklees Health Service Trust, Voluntary Action Kirklees, or certain employees of Jarvis previously employed by Kirklees Metropolitan Council. Benefits to saving with us • Instant access to your savings • Access to affordable loans • You don’t need a bank account to save with us • Manage your account online, by telephone or in person at one of our offices • Receive a share of our profits as an annual dividend • Free life insurance on your savings and loans
Borrowing with Castle & Minster Credit Union Loans may be applied for: - Either after three months regular savings but can be granted earlier subject to an income & expenditure statement being completed. Loan applications are completed either at the branches listed on our Contact Us page, or at a collection point. Members may also telephone or email requesting a loan form to be sent to their home address or by downloading the form. Once the loan form is completed you will be notified of the result of the application as soon as possible, however we are experiencing very high levels of demand and applications are currently taking up to 3 weeks. The directors have recruited more staff to help with the backlog and the staff are doing all they can to speed things up. The maximum loan currently allowed by law is £15,000 above your share holding (subject to Status) please contact us for full details. There are neither administrative costs with the credit union nor penalties for early repayment of your loan. Credit Decisions and the Prevention of Fraud and Money Laundering We may use credit reference and fraud prevention agencies to help us make decisions. A short guide to what we do and how both we and credit reference and fraud prevention agencies will use your information is detailed on the page called Using and Sharing Your Information. Savings Withdrawals You can withdraw from your savings in person at branches or at a collection point; by writing to us at the address above; or by emailing us at info@castleandminster.co.uk giving your name and address and member number if you have it, and how much you wish to withdraw. We will send a cheque to your home address by return. Alternatively you can download the share withdrawal form MortgagePlus+ Insurance Mortgage COVER+ is an affordable Mortgage Payment Protection Insurance Policy designed for credit union members (offered in partnership with CUNA Mutual). It can provide real peace of mind should you be out of work due to illness, an accident, or involuntary unemployment and you are a named borrower on the mortgage. The policy will pay you a monthly amount up to the value of £2,500 for up to 24 months (2 years). Mortgage COVER + offers protection if you work 16 hours or more per week and are aged over 18 years and under 65 years. You must have been in employment for at least 6 months (excluding seasonal or temporary employment). It’s simple, click here to arrange and obtain a quote online or call 0845 121 2416 to speak with a member of the team. The policy offers:
Family LIFE+ insurance Losing a loved one is difficult - and yet many life assurance policies take months or even years to settle claims, which can put you or your loved ones out-of-pocket for the costs, such as funeral expenses, arising from the bereavement of a family member. With FamilyLIFE+, you can insure yourself, your Spouse/Significant Other, your parents or the parents of your Spouse/Significant Other, plus your children (subject to a maximum of 12 insured persons). Children under age 18 are free, until their 18th Birthday. Family LIFE+ is a unique whole of life policy, with a fixed benefit designed for credit union members (in partnership with CUNA Mutual). It offers peace of mind for you and your family at an affordable price. You can choose a benefit of £2000, £3000, £4000 or £6000. The cover is guaranteed for as long as premiums continue to be paid to the Insurer and until the last of the insured persons die. Family LIFE+ offers protection if you are aged between 18 and 75 years, and live in the United Kingdom. It starts from as little as £2.00 per month. It’s simple, click here to arrange and obtain a quote online or call 0845 121 2416 to speak with a member of the team. Flexible Home Insurance · Choose from 3 types of cover – Contents only, Buildings only or Buildings and Contents Combined · Personalise the cover that suits you so you only pay for what you need · Accidental Damage to TV’s and home entertainment systems as standard with Contents cover · Optional cover for personal possessions away from the home, including bicycles. · Optional cover for money, credit cards and freezer contents. · Cover provided from a wide range of insurers – we search the market so you don’t have to · Up to £50,000 Legal Expenses cover included as standard · £1000 cover towards replacement locks and keys included with every policy TO RECEIVE A QUOTE FOR HOME INSURANCE ONLINE CLICK HERE
TO RECEIVE A QUOTE FOR CAR INSURANCE ONLINE CLICK HERE or call 0800 496 1437* Valuable protection for your home, car and holidays We are pleased to be working with CUNA Mutual Group & Key Connect, a specialist division of one of the It’s simple to arrange too, so you’ll always know what’s covered. Instant cover is available and everything can be completed in one call with no form filling. Key Benefits For more information or to receive a quote call 0800 496 1437
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Authorised & Regulated by the Financial Services
Authority. Registration No 213619.
©
2004 Castle & Minster Credit Union Ltd. All Rights Reserved
