Frequently Asked Questions  
Services FAQ's
 
Here you can find answers to common questions related to our services.

  1. What services do you offer? [+]
    Our services include: Regular Savings Accounts, Fixed Deposits, KickStart Junior Savings Accounts, Christmas Club and Chequing Accounts. We also offer loans for a wide range of purposes including but not limited to: Mortgage, Land, Education, Business, Vehicle and Personal. Other services include: Loan Protection, Family Indemnity Plan, Group Health Insurance, Medical Air Service, Standing Orders, Safety Deposit (documents), Payroll Processing and Financial Counselling.
  2. Do you have intentions to install an ATM machine? [+]
    Yes. We know how convenient this would be for our members and have intentions to make this service available once we have completed upgrading of our Management Information System which is already underway.
  3. What are the benefits of utilizing the Credit Union’s services rather than those of a bank? [+]
    • Credit Unions are owned by members and surplus derived from the business belongs to the members. We are by the member, for the member. By utilizing our services you are securing your own financial future rather than the future of a few select shareholders.
    • There are no charges or penalties for a low minimum balance. $10.00 is all that is required to maintain your account, although a minimum balance of $100.00 is required to earn interest.
    • Easier terms, lower fees and competitive interest rates on services such as chequing accounts, loans and savings facilities.
    • As a member you have a say in the operations of the Credit Union and are entitled to vote on Credit Union business decisions.
    • By supporting the Credit Union you also support your community as we are not only a financial movement but also a social movement. One of our founding principles is 'concern for community'.
    • However minimal your income, you can open a Savings account with our low initial deposit requirement of $125.00.

Similar items that might also be of interest:

  • General FAQ's
    Here you can find answers to common questions related to SJCCU history, operations and structure.
  • Credit FAQ's
    Here you can find answers to common questions related to our credit facilities.
  • Membership FAQ's
    Here you can find answers to common questions related to membership.
  • Insurance FAQ's
    Here you can find answers to common questions related to our insurance services.