INSURANCE SERVICES
Accidental Death And Dismemberment Insurance
As a member of the credit union age 18 or over, you are eligible for $1,000 of Accidental Death and Dismemberment Insurance. Premiums for this Basic Coverage will be paid for you by DFECU, with no cost to you. In order to put your coverage in force, you must complete the enrollment form. At age 70, coverage is reduced to $500. As long as you remain a member of the credit union and the Master Policy remains in force, your coverage will be renewed. The Group Master Policy is renewable annually. For higher levels of protection, including family coverage, you will be responsible to pay the quarterly premiums.
AAA Auto & Home Insurance
These days, everyone's looking for ways to save money without sacrificing security and personal service. AAA Michigan, the state's leading insurer, provides affiliated group members with quality auto and homeowners insurance at special group rates. With one quick phone call or visit to your local AAA Michigan agent, you can take advantage of exclusive savings and benefits. Just a few of these include:
Auto Insurance
A wide selection of coverages to meet your specific needs and budget.
Convenient, automatic premium deductions for easy budgeting.
Annual policies eliminate the hassle of renewing every six months.
Additional discounts for:
safety and security device usage
multi-vehicle coverage
multi-products with AAA Michigan
Homeowners Insurance
A wide selection of policies to meet your specific needs and budget.
Convenient, automatic premium deductions.
Optional annual mortgage escrow billing
Additional discounts for:
security device usage
newer homes
senior citizens
multi-products with AAA Michigan
Both auto and homeowners policies feature our famous one-on-one Claim Service, giving you toll-free access to professional claim service 24 hours a day, seven days a week. These are just a few of the many benefits you'll enjoy when you purchase auto and homeowners insurance through AAA Michigan.
United Concordia Dental Insurance
United Concordia Dental Health Maintenance Organization benefits are provided to members and their families, including children under age 19 or full-time students up to 23 years of age. United Concordia DHMO is a program that emphasizes preventive care to help maintain dental health. We cover you for the kind of care that helps keep your teeth and gums healthy: exams, x-rays, cleanings, fluoride treatments. You're also covered for out-of-town emergency care and 24-hour emergency care close to home, plus more extensive work like crowns, root canals and bridges.
You'll really enjoy the convenience.
You simply choose a dentist from our extensive network of participation providers in your area, and that dentist provides care for you and your family. When you need care, just call the dental office you have selected for an appointment. United Concordia has over 6,000 participating dentists from coast to coast, including many for you to choose from in greater Detroit, throughout Michigan, and in Toledo. With United Concordia DHMO there are no claim forms or pre-existing condition limitations. There's no yearly maximum dollar limit, either, like many indemnity plans.
Current Rates
Current rates, with the 2002 enrollment, are shown below. Rates are subject to change annually as of September 1.
| Rates |
Option IC |
Option IIC |
| Single |
$12.94 |
$14.88 |
| Two-Party |
$25.17 |
$28.59 |
| Family |
$37.65 |
$41.34 |
QT TELEPHONE SYSTEM
QT is a free service. To use it all you need is your account number, access code, and a list of the service codes needed to obtain information. Check your account balances, see if a check has cleared, transfer money between accounts, check your loan balance, make loan payments from checking or savings, or request a check be mailed to you.
QT SERVICE CODES:
TYPE OF
TRANSACTION |
DESCRIPTION |
CODE |
| Complete Menu |
|
0# |
| Inquiries |
Most Recent Deposits to Specified Savings |
8# |
| |
Most Recent Withdrawals to Specified Savings |
9# |
| |
Share Savings Balance |
11# |
| |
Checking Balance |
12# |
| |
Balance of Specified Savings Account (1,2,3,4,7 or 9) |
15# |
| |
Balance of Specified Loan |
16# |
| |
Dividends Year-to-Date Specified Savings |
18# |
| Checking |
List of Most Recent Checks Paid |
13# |
| |
Determine if Specific Check(s) Paid |
14# |
| Loans |
Interest Paid Year-to-Date Specified Loan |
19# |
| |
Loan Payment Calculation Inquiry |
53# |
| |
24-Hour Loan Applications by Phone |
54# |
| Transfers |
Share Savings to Checking |
21# |
| |
Checking to Share Savings |
22# |
| |
Specified Savings to Specified Savings
(From 1,2,3,4 or 7; To 1,2,3,4,7 or 9) |
27# |
| |
Line-of-Credit Loan 142 (Min $50), or Home Equity Loan 144 (Min $300)
To Share Savings (1) |
25# |
| |
Line-of-Credit Loan 142 (Min $50), or Home Equity Loan 144 (Min $300)
To Specified Savings (1,2,3,4,7, or 9) |
28# |
| Payments |
Loan Payment from Share Savings (1) |
41# |
| |
Loan Payment from Checking (2) |
42# |
| |
Loan Payment from Cross Member Account |
29# |
| |
Loan Payment from Specified Account |
45# |
| Withdrawals |
Withdraw Check by Mail from Share Savings (1) |
31# |
| |
Withdraw Check by Mail from Specified Savings (1,2,3,4, or 7) |
34# |
| Other Commands |
Cross Member Transfers (Signatures of all owners required) |
29# |
| |
Savings Rates |
51# |
| |
Loan Rates |
52# |
| |
Change Access Code |
66# |
| |
Paid Checks or Drafts on Specified Account |
17# |
| |
Repeat Last Response |
80# |
| |
End Transaction at Any Point |
*# |
| |
End Call |
99# |
Do not use decimals for dollar amounts (for $100.00 enter 10000)
VISA CHECK CARDS
Visa Check Cards
DFECU offers Visa Check Cards to qualified members. The Visa Check Card
combines the features of a traditional Automated Teller Machine (ATM) card,
and also enables you to purchase goods or services at any merchant
displaying the Visa logo worldwide. You must have a DFECU checking account
to be approved for a Visa Check Card, which serves as a convenient
substitute for your checkbook. Sufficient funds must be on deposit at the
time you perform a transaction with your Visa Check Card, either in the
checking account or in your "first choice" for overdraft protection (your
regular share savings account or line-of-credit).
APPLY FOR YOUR VISA CHECK CARD THROUGH THE HOME TELLER SERVICE
OTHER SERVICES
Money Orders
Travelers Checks
Direct Deposit & Payroll Deduction
Notary Services
Vehicle Blue Book Information
Wire Services & Corporate Checks
Electronic Settlement
Electronic Tax Returns
 |
 |
Your savings are insured up to $100,000 by the National Credit Union Administration, a U.S. Government Agency.
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