Savings
The Credit Union welcomes your deposits and will protect every dollar you save. Our membership in the National Credit Union Administration means that the savings of every member will be insured to at least $250,000 by NCUA, a U.S. Government Agency.
We offer several different types of savings programs:
- Regular Share Savings
Pays a dividend if you have an average daily balance of $200.00 or more each quarter. You always have to maintain a $25 balance.
- Certificate Accounts
Minimum opening deposit of $1000; dividends compounded and credited quarterly; 90 day penalty for early withdrawal; rates are set each Tuesday.
- Christmas Club Accounts
Members say this is one of our best accounts. Make deposits each week through payroll deduction or cash and then after November 1 of each year, come by and withdraw your funds to go Christmas shopping. We like to call it our Stress-Free Account.
Deposits & Withdrawals
Deposits may be made into your savings or checking accounts by payroll deduction, direct deposit, ACH, mail, or in person. Withdrawals can be handled by phone, mail, in person, or online banking.
ACH – Direct Deposits
Direct Deposit Information
We offer ACH and Direct Deposits. Please call for the information you will need for this service. You can have Direct Deposit from any employer or other credit union or bank sent to any of your T-I FCU savings or checking accounts. *You can also have your Temple-Inland payroll check sent by direct deposit to a special direct deposit account that must be withdrawn each week.
Share Draft Checking Accounts
We offer three “Free Checking Accounts.” We have Student, Regular , and Senior Checking. All checking accounts are free with unlimited check writing and no minimum balance or monthly service charge. See our checking account brochure for more details.
ATM/Debit Cards
You may also apply for an ATM Card for your Savings Account or a Debit Card for your Checking Account. You may use your Debit Card to make point-of-sale transactions, as well as withdraw funds and check the balances of your savings and checking accounts. You may use your ATM Card to withdraw funds and check the balance of your savings account.
Loans
Many different types of loans are available to members; including mortgage loans. You may apply in person, by phone, by mail, or online. Call 1-877-829-1616 and talk with one of our loan officers to find out more details and see what loan type is best for your needs and credit requirements. You may also go online to www.templeinlandcreditunion.com under the loan tab to print, complete, and fax the application back to 936-829-1122.
IRA Accounts
We offer the Traditional IRA, the Roth IRA and the Education IRA Accounts. Dividends are paid quarterly. IRA insurance protection is separate from insurance coverage on other credit union accounts. This means that your IRA is federally insured up to $250,000 by NCUA.
Money Orders
We have Travelers Money Orders. Money orders may be purchased with cash or withdrawn from your account.
Vacation Theme Park Tickets
Call for prices on tickets for Six Flags Over Texas, Hurricane Harbor, Sea World, Fiesta Texas, Schlitterbahn and Splash Town Water Parks. All tickets must be paid for with cash or taken out of your account.
View Ticket Prices by
clicking here
On-Line Banking
We now offer On-Line Banking. Just complete and return the On-Line Authorization to get signed up. With this privilege, you may check your account from your home or office.
| Lobby Hours |
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| Monday – Friday |
8:30 a.m. – 4:30 p.m. |
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| Drive-Thru Hours |
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| Monday – Thursday |
8:30 a.m. – 4:30 p.m. |
| Friday |
7:30 a.m. – 4:30 p.m. |
FEES
| Share Savings Accounts: |
Withdrawal Fee
(After 3 withdrawals per quarter) |
$2 |
| Money Orders |
$1 |
| Stop Payment |
$25 |
| Outgoing Wire Transfer Fee |
$20 per transfer |
| ACH Return Items |
$25 per transfer |
| Account Reconciliation / Research Fee |
$10 per hour |
| Statement Copy Fee |
$2 per copy |
| Returned Check Fee |
$10 |
| Return Mail Fee |
$5 after second
returned piece |
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| Share Checking Accounts: |
| NSF Charge |
$25 per item |
| Overdraft Protection/Transfer Fee |
$3 per day |
| Stop Payment |
$20 per check |
| Statement Copies |
$2 per copy |
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| ATM/Debit Card Fees: |
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| See ATM/Debit Card Application |
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