Maple FCU provides a variety of
financial services with amenities that
provide convenient access to your accounts. Click
on the links below for additional information or
scroll down for the full service listing.
Share (Savings) Account- You must maintain a $5.00 minimum balance in your share account to be eligible for all of Maple FCU’s products and services. This account earns and is paid dividends quarterly. Twelve (12) withdrawals are allowed from this account per year before you are assessed an excessive withdrawal fee of $5.00 per withdrawal. You can avoid this fee by having a Maple FCU share draft (checking) account. Your share account can be used as collateral for a loan (you annual percentage rate will be 2% above what your share account is earning at the time the loan is closed).
Share Draft (Checking) Account- No monthly service charges, No minimum balance required, unlimited check writing, and no charge electronic access available…what could be better. Access your share draft account by check or use our Qwik Cash Visa Debit card. Share draft accounts may be covered by overdraft protection transfers from share accounts or from an approved overdraft protection line of credit.
Christmas Club Account- Christmas Club accounts begin on October 1st and pay on September 30th of each calendar year. Christmas Club funds are deposited to the adjoining share account automatically. No minimum opening deposit is required and deposits are accepted over the counter or through ACH (automated clearing house/electronic) and payroll deduction. This account earns and is paid dividends quarterly. Club accounts are for a set maturity, therefore if you wish to close your account prior to the maturity date you will be assessed a $35 early withdrawal fee and the account will be closed until the next Club account cycle begins.
Share Certificates (CD’s/Certificates of Deposit)- Maple FCU offers six (6), twelve (12) and twenty four (24) month certificates. A $1,000 minimum opening deposit is required unless otherwise stated on special offerings. Dividends are compounded and paid quarterly. Early withdrawal penalties are based on the term of the account as follows: Term of one (1) year or less = penalty of 30 days’ dividends. Term of more than one (1) year = penalty of 90 days' dividends. Certificates will automatically rollover to the paying rate at the certificates’ maturity unless otherwise specified prior to its maturity. Maturity notices will be sent at least ten (10) days prior to the certificates maturity. Share Certificates may be pledged as collateral on a Maple FCU loan and will have an annual percentage rate of 2.0% above the paying rate of the certificate.
We now offer Jumbo CD’s (minimum $100,000 opening deposit) and Mini-Jumbo CD’s (minimum $50,000 opening deposit)! Depending on the type and term you could earn up to .75% higher than regular CD rates!
ACH/Direct Deposit- We accept electronic deposits and withdrawals through ACH (automated clearing house). Maple FCU also participates with payroll deduction with most of our select employee groups. Payroll deduction is a great way to save and pay your loans.
Audio Response- Your account information is available around the clock by calling our audio account information number at 337-233-6299. Inquire regarding your account history and perform transactions such as transfers, loan payments and check withdrawals at your own pace. Just one more free service offered by Maple FCU.
Qwik Cash ATM/Debit Card- Access to your share draft and share accounts are available with our Qwik Cash card. You must have a share draft account to have a Qwik Cash card. We recommend usage as a “credit” purchase anytime you use your Qwik Cash card. By choosing credit you get the advantage of the “VISA” backing of your transaction, plus you are also helping Maple because we pay less for the transaction than by choosing Debit. Choose “debit” only when the merchant does not accept “VISA” or if you are withdrawing cash at an ATM (automated teller machine). Remember that even though this card has the “VISA” logo it is not a line of credit, but accesses the funds available in your share draft account. Treat this transaction just as you would a check by itemizing it in your check register. Transactions using your Qwik Cash card generally clear your account within two (2) business days of usage.
ATM- Maple FCU has an onsite ATM at our location 105 Toledo Drive in Lafayette. For your convenience we are part of the SELECT ATM network along with many of our Credit Union counterparts in the area. By belonging to this network you pay no service charges at SELECT ATM outlets. Look for the black and green SELECT ATM logo for surcharge free ATM usage (SELECT ATM locator at https://www.pulse-eft.com/public/group/consumer/atmlocator.html). Local outlets are:
Notary Service- Maple FCU has not one, but two Notary Public’s on staff to service our members’ needs. Notary service is by appointment only.
New 09/2007—Instant Maple Online Banking! With Instant Maple you can see a “real time” view of your account history, initiate transactions, view check images, and MORE!!! It is a great tool to keeping your account on the right track. Sign up for Instant Maple by dropping by the office or call us for more details.
New 09/2007—E-Delivery (E-Statements and E-Notices)—Instant Maple is fantastic, but tack on E-Delivery and you’ve got FABULOUS service right at your fingertips. You must use Instant Maple to participate in E-Delivery. Get your statement notification and/or notices via email the day they occur.
New 09/2007—IRA Savings (Individual Retirement Account)—An IRA savings is a simple retirement investment earning an above average rate. It works just like a regular savings, except for the deposit and withdrawal limitations set forth by federal regulations. Perfect for members just beginning retirement planning; an IRA could be just what you need. Contact Tara for more details!
New 09/2007—ACH origination—If you have wanted us to auto debit your checking account elsewhere for your Maple loan payment…wait no more. ACH origination allows us to do 1 time or recurring transactions on your behalf. We can even send money FROM your Maple account to other financial institutions at your request. This is already a big hit.