MEMBERSHIP

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United Savers Trust Credit Union was organized in April 1952, to provide competitive savings and loan programs to employees of Crutcher Resources.

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Today membership is open to corporations, associations and organizations within ten mile radius of the Credit Union. Today we have members from all occupations stemming from our philosophy, "once a member, always a member." Family members of USTCU members may also join the Credit Union and take advantage of the many great services we offer.

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At USTCU, our primary goal is to anticipate and meet our members needs with the most complete line of financial services available. You will discover that membership in the Credit Union offers an array of unique advantages for both you and your family. Call us today at (713) 462-5552 or (800) 367-4992 for additional information. You will see why you can always count on us to be here with the most up-to-date financial services and professional assistance.

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Here are just a few benefits of belonging to USTCU:

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• We offer convenient new and used auto loans, and other types of loans at low interest rates. That means less stress and more savings for you.

• All loans can be paid through easy payroll deduction. No trips to the bank, no checks to write, no payment vouchers to mail, no deadlines to worry about, and no late charges.

• You can save through payroll deduction too. Tell us how much money you want deducted from your paycheck, and it automatically adds up in your Share, IRA, or Time Share account. earning dividends at rates competitive with other financial institutions. No more tug-of-war between saving and spending when you cash your paycheck.

• Each of your share accounts is insured up to $250,000 by the National Credit Union Administration, an independent agency under the executive branch of the federal government.

• Quick processing of loan applications and fast answers to your questions are just part of our streamlined, competitive services.

 

 

PRIVACY POLICY

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In the course of doing business with our members, we collect personal information that is necessary to provide our members with our services. We treat this information as confidential.

Protecting the information of our members is important to us. We restrict access to personal information to those employees, who provide our members with our services, and thus require those employees to protect and keep confidential all such information that they might learn. We maintain physical, electronic, and procedural safeguards that comply with Federal regulations to guard all nonpublic personal information.

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We do not disclose any nonpublic personal information about our members and former members to affiliates or non-affiliated third parties, except as permitted by law.

We will continue to provide any information that our members request of us, in writing, to any third party they should so designate.

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We will provide an annual notice al least once in any period of 12 consecutive months during the continuation of the member relationship. Any credit union member may receive a copy of this notice of privacy practices by contacting the credit union.

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Documents Available to Members: Upon request, a member is entitled to review or receive a copy of the most recent version of the following credit union documents:

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• balance sheet and income statement - the non-confidential pages of the latest call report may be given to meet this requirement

• a summary of the most recent annual audit completed in accordance with 91.516 of this chapter relating to Audits and Verifications

• written board policy regarding access to the articles of incorporation, bylaws, rules, guidelines, board policies, and copies thereof; and

• Internal Revenue Service Service Form