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What are your hours?
Monday, Tuesday, Thursday, Friday
8:00 a.m. - 4:30 p.m.
Wednesday
9:00 a.m. thru 4:30 p.m.

What is the SUM Network, does my credit union participate?
The SUM network is a service which your credit union pays for which allows you to use your CTLABORDEPTFCU debit/atm card free of charge at any locators listed at:
ATM locator:
www.sum-atm.com

Does the credit union offer 2nd mortgages and Lines of Credit?
The Credit Union may refinance your first mortgage. The Credit Union offers 2nd mortgages. Call the credit union for rates and terms.

When I retire am I still a member of the Credit Union?
Yes, once a member always a member, just keep your account active.

Does the credit union have bonds?
No but bond information is available on line at:
www.savingsbonds.gov

How can I reorder checks?
It may be done through our office, or through the mail.

Can you look up the book value on my used vehicle?
Yes, call our office or NADA car values can be found online at:
www.nadaguides.com

Does the credit union know my password for my ATM CARD?
No for security purposes the credit union has no knowledge of any members pin#

Is my money insured?
Yes by the NCUA , a government agency.
www.ncua.gov

Does the credit union offer Traveler Cheques?
No the credit union does not offer Traveler Cheques.

Does the credit offer legal advice?
Not personally but you may contact Legal Service Plan at
www.legalserviceplansinc.com

What is Regulation D and how does it effect me?

Federal Regulation D, stipulates that financial institutions limit the number of transfers and/or withdrawals an individual is allowed to make from a money market or regular savings account to 6, and no more than 3 by check, per month. This regulation limits transfers made by Audio Response, Automated Clearing House (ACH), and overdrafts from savings to checking accounts.

To comply, we must limit the number of transfer you make from any savings or money market account to 6 per month and no more than 3 by check. This limitation affects the following transfers:

  • Audio Response or Internet Banking
  • Requests by Telephone
  • Overdraft Transfers from your savings account to your checking account
  • Pre-authorized ACH Transfers

The following transfers are not affected by Regulation D:

Transfer from checking accounts

  • Transfer from you Overdraft Protection Line of Credit Loan to your checking account
  • Payroll Deductions or allocations
  • ATM Transactions

How to Avoid Regulation D

  • Have your Paycheck deposited directly into your checking account with Direct Deposit
  • Use Tellers or ATMs for your Savings Account withdrawals