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Todays Rates

Loan Rates (APR)

New Auto - 1.39%*
Personal - 8.50%*
MasterCard - 8.90%*

APR = Annual Percentage Rate

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Disclosure of Information
for
Home Banking/Star Service

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DEFINITIONS
"YOU" and "YOUR" mean each person who has signed the Home Banking Agreement or who use the systems with your consent. "WE," "US," and "OUR" mean NY TEAM Federal Credit Union whom you applied to for this service. "ACCOUNT" means each and all of your accounts for which you may use the service. "PIN" means your Personal Identification Number. "TRANSACTION" means a withdrawal inquiry or transfer of money by use of this system. "SYSTEM" refers to Home Banking System.

GENERAL AGREEMENT
You agree that the transactions made through this system are subject to any other applicable rules or regulations and to any other agreements between us. We may add services or make other changes in this agreement by written notice mailed to you at the most recent address on our records for this account.

BUSINESS DAYS
The Credit Union's business days are defined as Monday through Friday. Holidays are excluded.

PERSONAL IDENTIFICATION NUMBER (PIN)
Please select The Credit Union System that you would like access to on your signed agreement and one will be mailed to you. Once you login to the Home Banking/Star System you may change the PIN number that was assigned to you by the Credit Union. In the event of a lost or forgotten PIN, you may call us to obtain a new activation code. To ensure the safety of your account, DO NOT record your pin in an area that an unauthorized person could have access to or divulge it to anyone. It is your responsibility to keep your PIN secure to prevent fraudulent transactions on your account.

HOW TO ACCESS OUR SYSTEMS
The Home Banking System resides at internet address http://www.nyteamfcu.org
The Audio Response System can be reached by dialing (516)
822-0190.

TRANSACTIONS
You may use the systems to access the following information:
-Listing of all accounts -current and available balance -history on all accounts up to 6 months -loan payment amount, balance, and next due date -check withdrawals with payments generated to yourself and mailed to your residence Stop payments on checks -transfers funds between accounts within the same member profile -cleared share drafts -change your password. We reserve the right to add, delete, and modify these services

WITHDRAWALS
You may make check withdrawals on the system up to limits established by the Credit Union providing your account balance has available funds. Check withdrawals are mailed the next business day, payable to the basic member and mailed to the address of record.

OVERDRAFTS
Unless you have a line of credit agreement to cover overdrafts on your Share Draft Account, you agree not to create an overdraft. If an overdraft does occur, you may be liable for court costs and attorney's fees, as allowed by law. We can offset any overdraft you create without your permission against any other deposit account you have with us.

TRANSFERS
Transfers made from Share Savings Accounts are subject to Regulation D restrictions. Regulation D restricts the number of electronic transfers made from each account.

TERMINATION
Use of the Systems may be terminated or restricted at any time without notice. You may terminate this agreement at any time by giving written notice to the Credit Union. We can shut down the Systems without advance notice to you.

 

 


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September 2014
March 2014

 


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We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Accounts Federally Insured to $250,000 by National Credit Union Administration an agency of the U.S. Government

The NCUA Insurance Call Center, at (800) 755-1030, ext. 1, operates from 8 a.m.-6:30 p.m. Eastern time, Monday through Friday. Experts are available to answer questions about NCUSIF coverage.
 

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