Member Services Member Services Member Services Electronic Services . 24-hour night deposit at both locations ATM (automated teller machine) services with worldwide access through Cirrus Nationwide Network American Express Travelers Checks and Money Orders Direct Deposit of payroll, social security, and retirement checks Drive-up facility Free Notary Public Service Internet Branch Access Loans Low interest loans for all worthwhile borrowing needs, including: Automobiles - New and Used Boats Home Improvments Motorcycles Vacation and much more! Payroll deduction (when available through employer) "SYBIL" - 24-hour automated telephone inquiry and transaction system Shares Regular Share Accounts Christmas Club Accounts Vacation Club Accounts Share Certificate Accounts Checking Account Share Drafts Checking with no monthly fees, no minimum balance requirements Visa® Credit Cards MasterCard® Debit Cards Savings insured up to $100,000 by the National Credit Union Administration, and agency of the U.S. Government .