Senior Members Are Really Terrific
An exclusive club for members age 50 and over!
what you'll get Absolutely FREE By joining the SMART Club!
Check Printing --
That's a savings of $9-$16 per check order (note: a postage and
handling fee may apply).
Members Prime Club --
One year in the National Associated of Retired Credit Union People
(a $25 value) offering several advantages:
Communication/Education (Prime Times issued 6 times per year)
Benefits (savings on prescription eye wear, mail order pharmacy,
vitamin & nutritional supplements discounts)
Benefits (50% hotel savings -- Quest, dining discounts, etc.)
& Investments (can purchase supplemental insurance, etc.)
Discounts -- (floral discounts; RV Motorhome rental) and more!
and Informational Seminars --
Investing, financial management, Social Security, and more.
Food and fun, with the opportunity to see old friends and make
Notary Public Service --
Avoid costly fees by using your Credit Union.
Signature Guarantee on Stocks --
All at no cost to you.
Club Newsletter --
For the latest on money saving and investing tips, contests and
additional SMART Club benefits.
Financial Planning Service -- Includes
investment assistance, budgeting assistance, insurance analysis,
tax reduction information and more through our Empire Associated
the SMART Club makes sense for you:
"Postage-Paid" Credit Union Pre-Addressed Envelopes
obtain your free envelopes, call and request from our marketing
Traveler's Cheques and "Cheques for Two" -- For ultimate
protection whether home or away.
24-Month Golden Certificates -- Earn
from .05% to .25% more than our regular 24-month certificates
(offered at different times throughout the year for SMART Club
Money Orders -- Save
$2 per Money Order.
Checks -- At
a 50% discount.
Loan Processing/Approval -- Two-hour
Beautiful calendar mailed to your home annually.
Co-Payable Checks -- We'll
waive the fee for our SMART Club members.
Nationwide Funds Transfer -- At
over 300 locations, using our ITCUA Telephone Credit Union Correspondent
Program we can transfer funds to you at any ITCUA location. (See
an "ITCUA Brochure", available at your credit union,
for locations.) Savings of $5.00.
easier than you think. To qualify for the SMART Club, you must be an Empire
FCU member at or over the age of 45, and have an Empire Checking Account
plus any three (3) of the following Credit Union Services:
Classic Credit Card -- No
annual fee, 13.9% APR, a 25-day grace period, and credit limits
from $300 to $2,000.
Gold Credit Card -- 12.9%
APR, credit limits from $2,000 to $15,000, 25-day grace period,
and an exclusive travel assistance package.
Debit Card --
No-cost VISA card that works like a plastic check, using your
checking account funds to pay for purchases.
Line-Of-Credit -- Easy
access, with quick approval, a great rate, and credit limits
available up to $25,000.
Mortgage or Home Equity Loan -- Take
advantage of our low rates, easy terms, and member-friendly home
Express ATM Card --
Get convenient, 24-hour international access to your accounts
with our ATM card. Safe, easy, convenient!
MOOLA Club -- Enroll
a family member in our youth savings club.
Of a recurring check to the Credit Union.