AM Community Credit Union Membership Requirements
Joining the credit union is easy! Any person who lives or works in Wisconsin’s Kenosha or Racine Counties, any Chrysler employee or any family member of an AM Community Credit Union (AMCCU) member is eligible for membership. A $5.00 savings deposit (one share in the credit union) establishes your membership. As a member-owned, not-for-profit financial cooperative, AMCCU exists to provide affordable and accessible financial products, services and resources to help our members achieve financial security. Dedicated to providing personal service for all our members regardless of account size, our member service representatives are ready at one of our convenient locations to help you with all of your account needs. Below is a brief description of the types of accounts, services, and account verification procedures.

Getting To Know You
Beginning October 1, 2003, AM Community Credit Union required certain information from you that helps us get to know you better during the new account process. Please accept our thanks for your understanding and cooperation in complying with the U.S.A. Patriot Act. Please click here to learn more about this new account verification procedure.

Values Checking Options
AMCCU’s VALUES checking includes six specialized checking accounts that are sure to meet your needs.

Every AMCCU checking account features:

• Unlimited check writing (except Link Checking)
• Free NetBranch online banking, bill pay, and E-statements
• Free personalized debit card and/or ATM card
• Surcharge-free ATM Networks
• Overdraft protection options:
  • Share account transfer
  • Overdraft Privilege
• Touch Tone Teller account access
• Monthly paper statements (except Link Checking)
• No monthly fees with qualifying services*

*Qualifying services to waive monthly fees may include: direct deposit, active line of credit, AMCCU credit card, and/or aggregate loan or deposit balances $5,000 and greater.

Simply click on the VALUES Checking account name to learn more about the account.

Venture Checking – Designed with the business owner in mind, this account has a low fee structure to help small-to-mid size businesses perform.

AM Checking – Our primary checking account exemplifies our promise of unsurpassed value offering members all the basics with this free account.

Link Checking – With just a click you’re linked to your account! Members can embrace technology and be kind to the environment with this paperless account.

University Checking – Students under the age of 25 will appreciate this account with extra flexibility for growing financial needs.

Equitable Checking – Members with high balances will earn dividends and avoid monthly fees with this interest earning account.

Status Checking – Enjoy all the perks with this account for members who are 59 ½ and better.

Savings Solutions
The perfect way to build toward a secure financial future, all AM Community Credit Union savings accounts are insured up to at least $250,000 by the National Credit Union Administration, a U.S. government agency.

• Regular Savings
• Life Savings (insured benefits for beneficiaries)
• Special Savings
• Super Kids, Super Savers
• Christmas Club Savings
• Money Market Accounts
• Individual Retirement Accounts (IRA)
• Share Certificates (CDs)

Individual Retirement Accounts (IRAs): AM Community Credit Union (AMCCU) offers three types of IRA options (Traditional, Roth, Educational or Coverdell) for members to choose from to meet personal and retirement objectives. All IRA funds on deposit at AMCCU are insured separately in aggregate up to $250,000.00 by NCUA (National Credit Union Adminstration) apart from other deposit accounts.

Below are some details about each IRA type to help you plan for retirement needs. For tax and or eligibility- related questions, please consult IRS publication 590 or speak with a certified tax or financial advisor.

Traditional IRA

• Earnings are Tax-deferred
• Contributions may be tax-deductible
• 2009 Contribution limit of $5,000/year and $6,000/year (ages 50+)
• No Contributions may be made after age 70

Roth IRA

• Earnings may be tax-free
• Contributions are not tax-deductible
• No age limit for contributions
• 2009 Contributions limit of $5,000/year and $6,000/year (ages 50+)

Educational IRA (Coverdell)

• Contributions are not tax-deductible
• Contributions are limited to $2,000 per year
• Child (beneficiary) must be 18 or younger for eligible contributions
• Withdrawals for qualified educational expenses are tax-free

AMCCU members have two options available for investing IRA funds:

*Individuals must meet eligibility requirements. Members must maintain a savings account with one share ($5.00) on deposit before opening an IRA deposit or IRA Share Certificate account.

AM Community Credit Union offers many other services, all designed with your convenience and easy access in mind.

Touch Tone Teller
24-hours a day, 365 days a year, Touch Tone Teller gives members a wealth of information from the convenience of their touch-tone phone. Check balances and check clearings, review history, transfer funds and more. From Kenosha County, dial 262-697-3737. Outside of Kenosha, dial 800-261-0233.

Debit/ATM Cards
AMCCU’s check card offers a convenient alternative to writing checks and carrying cash. Members have ample access to cash from two surcharge-free ATM networks in addition to AMCCU machines at:

• 6715 Green Bay Rd., Kenosha
• 2707 30th Ave., Kenosha

For other ATM locations near where live, work, shop or travel, click here.

Direct Deposit and Payroll Deduction
AM Community makes it easy to conduct transactions electronically saving you the time and need to visit our branches each payday.

Credit Cards
AMCCU’s VISA card offers a wide variety of programs and rewards to fit your lifestyle and credit needs whether you’re planning a dream vacation, managing the household finances or just beginning to build a credit history.

Competitive Interest Rates
Build your nest egg with a wide choice of options. Shop around and you’ll find that AMCCU rates are some of the very best! Click here for current savings rates.

Convenient Locations
Located where you live, work and play, our locations put us within easy reach. We always have time for you. Open when you need us, our drive-thru lanes provide early morning and evening access. Click here for a complete listing of locations and hours of operation.

NetBranch (AMCCU’s online banking and bill pay solution)
Available 24 hours, 7 days a week. Gain access to your accounts from your computer, no matter where you are – home, work, or on vacation! Look up balances, pay bills, transfer between accounts and more. To learn more about NetBranch, its security features and how you can enroll, click this link.

NetBranch Mobile
AM Community Credit Union members already enrolled for NetBranch can use any cell phone or PDA with web browser capabilities to access their account information. Simple, convenient, easy-to-use, NetBranch Mobile is ready to go anywhere you take your cell phone. NetBranch Mobile uses the same log in information and multi-factor authentication as Online Banking so members won’t have to remember a new log in or password. To use NetBranch Mobile, enter this destination into your cell phone or PDA, www.amccumobile.org.

Credit Union Shared Service Centers (Shared Branching)
The ultimate in convenience, AMCCU is a part of a national network of cooperative credit unions called shared branching. Shared branching allows AMCCU members to use thousands of locations nationwide to transact their AM Community Credit Union transactions. Simply choose the participating credit union or service center location nearest you to conduct your financial transactions just as if you were at AMCCU! To find a service center location near where you are or want to be, visit: www.cuservicecenters.com or look for the swirl.

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