Deposits/Mobile Deposits FAQs

FAQs/Transactions/Deposits/Mobile Deposits

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Common Deposits/Mobile Deposits Questions:

What can we help you with today?

To open a Certificate of Deposit (CD) please call our Member Service Center at 800 .498.8930 for more information or visit one of our six locations to open your account today.

ACH stands for Automated Clearing House, a U.S. financial network used for electronic payments and money transfers. Also known as “direct payments,” ACH payments are a way to transfer money from one bank account to another without using paper checks, credit card networks, wire transfers, or cash.

Compare Cards	People's CU Savings Secured	Local Bank One	Local Credit Union	Local Credit Union Two	National Bank One
Promotional APR for Purchases and Balance Transfers	0.00%	0.00%	0.00%	0.00%	0.00%
Lowest APR for Purchases	10.24%	29.24%	29.24%	20.15%	25.99%
Lowest APR for Balance Transfers	10.24%	29.24%	29.24%	20.15%	25.99%
Annual Fee	None	$25.00	None	$99.00	$12.00
	Apply Today

*Disclosures and Details:
APR (Annual Percentage Rate) for purchases, balance transfers, and cash advances- A fixed introductory rate of 0.00% will apply through your account's first twelve billing cycles. After that, your variable APR will be 9.99% (as of 8.15.2023). This APR will vary with the market based on Wall Street Prime & creditworthiness.

Compare Cards	People's CU Rewards	Local Bank One	Local Credit Union	Local Credit Union Two	National Bank One
Promotional APR for Purchases and Balance Transfers	0.00%	0.00%	0.00%	0.00%	0.00%
Lowest APR for Purchases	17.74%	19.49%-29.49%%	19.74%-29.74%%	13.15%-21.00%	15.99%-25.99%
Lowest APR for Balance Transfers	17.74%	19.49%-29.49%%	19.74%-29.74%%	13.15%-21.00%	15.99%-25.99%
Annual Fee	None	None	None	None	None
	Apply Today

*Disclosures and Details:
APR (Annual Percentage Rate) for purchases, balance transfers, and cash advances- A fixed introductory rate of 0.00% will apply through your account's first twelve billing cycles. After that, your variable APR will be 17.49% - 18.00% (as of 8.15.2023). This APR will vary with the market based on Wall Street Prime & credit worthiness.

Compare Cards	People's CU Low-Rate	Local Bank One	Local Credit Union	Local Credit Union Two	National Bank One
Promotional APR for Purchases and Balance Transfers	0.00%	0.00%	0.00%	0.00%	0.00%
Lowest APR for Purchases	14.24%	19.24%-29.24%	19.24%-29.24%	19.24%-29.24%	15.99%-25.99%
Lowest APR for Balance Transfers	14.24%	19.24%-29.24%	19.24%-29.24%	19.24%-29.24%	15.99%-25.99%
Annual Fee	None	None	None	None	None
	Apply Today

*Disclosures and Details:
APR (Annual Percentage Rate) for purchases, balance transfers, and cash advances- A fixed introductory rate of 0.00% will apply through your account's first twelve billing cycles. After that, your variable APR will be 13.99 - 18.00% (as of 8.15.2023). This APR will vary with the market based on Wall Street Prime & credit worthiness.

How Can We Help?

Common Deposits/Mobile Deposits Questions:

How do I open a Certificate of Deposit (CD)?

What is an ACH payment?