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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 £1 per week 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 2.5% 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’ 4%! 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.
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 within 7 working days of the Credit Union receiving the form and any necessary paperwork. 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 Life Saving Insurance Available to members free of charge is coverage of a members savings (coverage varies depending on age of the member when deposits are made). CUNA Mutual Insurance Group provides the international Credit Union movements insurance coverage and is owned by the credit union movement. (As with all such Insurance, pre-existing condition qualifications will apply). Did you know that the average funeral in the UK cost £4,500? Could you find this amount of money if the worst was to happen? Worse still, could your family lay their hands on this money of something were to happen to you? One of the greatest stresses a family can suffer is the loss of a loved one. As your credit union, we understand the financial hardship that can result from an unexpected loss of a loved one and that’s why we can offer you the Family Protection Plan to help ease the burden of a funeral. The Family Protection Plan has been designed exclusively for credit union members by CUNA Mutual Group, the main insurance provider for credit unions worldwide. As a credit union member, you can protect yourself and up to five members of your family under one policy. The cash benefit paid by the policy provides an immediate financial support when your family is most in need. The best part is that there are no restrictions on how you use the cash benefit! Four payment options are available starting from £9.60 per person so with just one low monthly payment up to six individuals will be covered on the plan. And the best part is that there are no medical questions or exams to enrol in the plan. The Plan’s major benefits include: · Cover for you and up to five individual members of your immediate family – your spouse or partner, any two parents (yours, your partners’ or any combination), and your children from 1 year to the 26 years (disabled children can be covered for life if enrolled before they are 26). Anyone can enrol up to the age of 70 years. · No medical questions asked or an examination required · Four levels of insurance cover available ranging from £2,000 to £6,000 per person · Affordable premiums · Multiple claims · Fast and efficient claim process – a cash lump sum is paid within two working days of a claim Contact our agents CUNA today on 0121 359 0221 for more information. CUNA Mutual Insurance Society is authorised and regulated by the Financial; Services Authority number: 202104. Registered address:
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Authorised & Regulated by the Financial Services
Authority. Registration No 213619.
©
2004 Castle & Minster Credit Union Ltd. All Rights Reserved
