Best of Iowa Community Credit Union

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Services

•	Back to the BICCU home page	•	Mechanical Breakdown Insurance
•	Loan Calculator is now available	•	GAP Auto Loan Protection
•	Youth Programs	•	Current BICCU Loan Rates
•	Savings	•	Current BICCU Savings Rates
•	Checking Accounts	•	About Us
•	Mortgage, Construction & Home Equity Loans	•	Prime Timers
•	Loans	•	Contact Us
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•	Mastercard For Balance Inquiries Call 1-800-820-8417 or visit www.GoToMyCard.com

Youth Programs
Best of Iowa Community Credit Union offers financial programs for children and teens.

KIRBY KANGAROO CLUB
Kirby Kangaroo Club is a financial program for children ages 0 to 12.

Benefits of membership:

•	Dividends paid from the first dollar deposited.	Hi boys and girls! Ask Mom and Dad if you can join my club. Saving money is fun!
•	Free Kirby tee shirt for all new members.
•	An invitation to Kirby's annual Halloween Party.
•	An opportunity to participate in Kirby's Creative Easter Egg Contest.
•	An opportunity to enter Kirby's Christmas Tree Contest.
•	Birthday card from Kirby on your special day.
•	Good Behavior Rewards. At the end of each school year, all school age members are eligible to enter their names in drawings for special good behavior rewards. Prizes ranging from $25 to $100 are awarded for each category each year.

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STATUS ONE
Status One is a financial program just for teens. It is designed exclusively for Best of Iowa's members 13 to 17 years old. Status One gives teens the services they need:

.	Special Savings Account
.	Higher rate of dividends
.	Dividends paid from the first dollar deposited
.	ATM & Checking Package Available at age 15 (parent cosigns) $50 ATM withdrawal limit, Daily monitoring if overdrafts occur
.	Special Certificate of Deposit $500 minimum balance, Six-month term--Interest rate slightly higher than average CD
•	Good Behavior Rewards At the end of each school year, all Status One members are eligible to enter their names in drawings for special good behavior rewards. Prizes ranging from $25 to $100 are awarded for each category each year.

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SAVINGS
Best of Iowa Community Credit Union helps you earn more on your savings.

We are insured by the NCUA.

Savings
To open a share savings account, you must deposit a minimum of $25.00. To earn dividends, you must maintain a minimum balance of $100.00.

U.S. Savings Bonds
Best of Iowa offers U.S. Savings Bonds in amounts of $25, $50, $100, $500 and $1,000. For current Savings Bond rates call 1-800-US BONDS.

Christmas Club Accounts
No matter what time of year it is, it's a good time to begin planning for Christmas. A $5.00 minimum deposit is all it takes to open your Christmas Club Account. Once the account is opened, you may deposit any amount to the account anytime you desire. For your convenience, you can deposit by payroll deduction or by mailing a check. Money placed in the Christmas Club Account will be available to you from November 1, through January 31. Dividends on your Christmas Club Account will be paid November 1st.

Certificates of Deposits
You must deposit a minimum of $1000 to purchase a BICCU certificate of deposit. The longer you invest your savings, the more interest you will earn. For current rates, click here.

IRA Accounts
Tax-deferred savings plans are available for the purpose of supplementing your retirement income. BICCU offers traditional IRAs, Roth IRAs and Coverdell Education Savings Accounts. Contact Best of Iowa Community Credit Union for your best options and rates. For current rates, click here.

Money Market Accounts
Best of Iowa Community Credit Union offers Money Market Accounts too. A Money Market Account is a higher dividend-earning savings account. Dividends are calculated on the actual daily balance in the account. To open a Money Market Account, you must have a minimum balance of $1000.00. If the account falls below $1000.00 on any one day, then no dividends will be calculated for that day only. Three withdrawals (in minimum amounts of $250.) are allowed per month. Dividends are paid monthly. For current rates, click here.

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Checking Accounts

Copies of Written Checks
Copies of checks that have cleared your account are available by clicking this link https://image.themembersgroup.com
You must sign up for this service by calling our Accounting Department at 319-395-7670.

Checking Accounts
All it takes to open your Checking Account is $50.00. BICCU offers two different Checking Accounts, non-dividend and dividend earning. Account features are listed below. No matter which type of account you select, you will take advantage of:

.	No fees
.	FREE use of On-Line Banking & Audio Response Teller (ART)
.	FREE first 50 checks
.	.25% rate reduction on new or used auto loans
.	You can begin writing checks the same day you open your account
.	Unlimited check writing
.	SHAZAMChek Debit Cards available
.	Over draft protection (see below).
Non-Dividend
.	No fees
.	No minimum balance
.	No dividends
.	Unlimited check writing
Dividend Earning:
.	No fees
.	In order to earn dividends, you must maintain a $500.00 minimum balance, if your balance falls below $500.00, there will be a $3.00 maintenance cost for that month.
.	Dividends paid from the first dollar deposited.
.	Unlimited check writing
Direct Deposit
.	Best of Iowa offers Direct Deposit, meaning you can have your paycheck or social security check deposited directly into your savings or checking account.
.	Direct Deposit makes your funds available more quickly and provides you with the security of knowing that your check will not be lost or stolen.
.	Overdraft Protection If you overdraw your Best of Iowa Checking Account, money from your savings account will automatically be transferred to your checking account, if funds are available over the $25.00 minimum balance.
.	A cost of $5.25 per transfer will be charged.
SHAZAMChek Debit Card
.	A debit card is the one card that combines the best aspects of an ATM card and a share draft (checking) account.
.	Like a credit card, the SHAZAMChek Debit Card is welcomed at more than 12 million locations worldwide - wherever MasterCard is accepted. You can also use it as a cash card to make purchases at those merchant locations.
.	All transactions are automatically deducted from your Best of Iowa checking account, but unlike a credit card, there are no finance charges.
.	Best of Iowa offers six FREE ATM transactions per month; a fee of $.75 will be charged for each additional transaction.
.	When you request a ShazamChek Debit Card you will be assigned a personal identification number (PIN). You will need both the card and your PIN to access your account at an ATM machine. In order to qualify for a SHAZAMChek Debit Card, you must be at least 18 years of age and have a Checking Account at Best of Iowa Community Credit Union. BICCU members can take advantage of all Privileged Status ATMs. These ATMs do not carry a surcharge for withdrawals. Click the Privileged Status logo to find Privileged Status ATMs nearest you! If your SHAZAMChek Debit Card is lost or stolen during normal credit union business hours, please call us immediately at (319) 395-7670 or (800) 747-1011. If you notice your card is missing after hours, or on the weekend, please call SHAZAM at (800) 383-8000.

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ART - Audio Response Teller

.	ART allows you to access your account 24/7 with a touch tone phone. You can check your balances, transfer money between accounts or make a loan payment.
.	Your Personal Identification Number (PIN) is a four-digit number known only to you.
.	Since you will want to use your PIN often, you may want to select a four-digit number representing an important date in your life. A series of numbers important to you will be easy to remember.
.	To activate your PIN for use with our Audio Response Teller (ART), you must complete a form provided by the credit union. Contact Sue Thompson at 319-395-7670 ext. 122 for more information, or e-mail Sue at sthompson@bestcomcu.org.

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Mortgage Loans
Are you looking for your first home? Maybe you want to re-finance and take advantage of our great mortgage loan rates. BICCU can help you achieve all of your financial goals! Short or long term, first time home buyer or seasoned homeowner, Best of Iowa's mortgage experts are ready to make your dreams come true! Contact Lynn at lbarrett@bestcomcu.org or Shawn at swest@bestcomcu.org for fast, friendly service!

You can apply for any Real Estate loan product directly from this web site! No need to make an appointment, or leave the comfort of your home, simply CLICK HERE to apply!

Vacation Homes and Second Homes
This loan is designed for members who wish to purchase a Vacation Home or Second Home to occupy on weekends, during various seasons of the year or even to live in after retirement. If you already own a second home, you could use this loan to refinance it if you wish.

Here are a few guidelines to remember:
    Property must be in the State of Iowa.
    Loan cannot exceed 80% of the appraised value or purchase price, whichever is less.
    Term available is a five-year balloon amortized over 30 years.

For current Mortgage Loan rates, please call Lynn at (319) 395-7670 ext. 134 or Shawn at ext. 146.

Construction Loans
Have you ever thought about building a brand new home? Its not as difficult as you may think. With the expertise of our mortgage loan department you can build your dream home. Our construction loans are originally set up on a six month term, however, if you run a little behind schedule your loan can be extended up to one year. Stop in today and visit with Lynn or Shawn and experience the best service in town! For our most recent Construction Loan rates, click here!

Home Equity Loans
Best of Iowa Community Credit Union can help you with that Home Equity Loan you've been thinking about. Remodel your kitchen, consolidate some bills, take a long relaxing vacation or even purchase a new car! And remember this, Home Equity Loans may be tax deductible! BICCU can usually complete the entire transaction in 7 to 10 business days. So what are you waiting for? Click here for current rates.

There are two types of Home Equity Loans available.

.	Open-end, variable rate Home Equity Loans are so convenient. You can make cash advances ($500.00 minimum) at any time without additional paperwork. You call BICCU, request your cash advance and we deposit the money into your account the same day, its that simple!
.	Fixed rate Home Equity Loans are offered in five, seven, and ten year terms. Rest assured, your interest rate will not change throughout the term, and we will NEVER sell your loan.

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Loans
Best of Iowa Community Credit Union offers loans with competitive rates and excellent service.

Do you need extra money? It's easy as 1, 2, 3 to get a loan at BICCU!
1. Apply on line or call and we will mail or fax the application to you.
2. Complete the application and return it to BICCU.
3. We call you to finalize the paperwork.
Apply on line for any BICCU loan by clicking on applications; you'll have an answer in a matter of seconds!

New and Used Auto Loans
Let Best of Iowa Community Credit Union help you with the "best" car loan in town. Whether you are looking for a luxury car, a pickup truck or a minivan to haul the kids around, take advantage of the "best" loan rates in town. Loan Rates

.	Low new and used car loan rates.
.	Up to 72 months to pay.
.	No down payment with qualified credit.

New and Used Recreational Vehicles

.	Low new and used loan rates.
.	100% financing on all motorcycles plus tax and title expenses
.	15% down is required on all other recreational vehicles

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Mechanical Breakdown Insurance
Protect yourself against breakdowns on the road!

Mechanical Breakdown Insurance (MBI) is an insurance policy underwritten by the New Hampshire Insurance Company (NHIC) that will pay for mechanical repairs to your car much like collision insurance pays for body damage. Best of Iowa Community Credit Union is offering this extra benefit of MBI to our members. The policy eliminates the need to purchase an expensive manufacturer's extended warranty contract, yet gives the same level or better coverage at a lower cost. It can cover repairs for new cars and cars up to nine years old with up to 100,000 miles.

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GAP Protection
Protect yourself incase your automobile is stolen, totaled or damaged beyond repair!

Have you ever been in a situation where you total your car, the insurance company only pays you what your vehicle was worth, and you end up paying the loan balance out of pocket? Not a good situation to be in. Well, we have the solution to this problem! BICCU is now offering GAP Protection. For just a few dollars a month, you can protect yourself against this kind of unexpected expense. The benefits may include:

.	Protection for the term of your loan up to 84 months.
.	Coverage for vehicles valued up to $100,000. at time of purchase.
.	Payment of benefits up to $50,000.
.	Coverage deductibles up to $1,000.00.
.	Benefits for new or used vehicles, including cars, light trucks, motorcycles and some other motorized vehicles.
.	GAP Plus protection includes a $1000 down payment credit toward a replacement vehicle.

It is so easy to get. You can elect MEMBERS CHOICE GAP protection at the same time you apply for your vehicle loan. There's no underwriting and no hassles. It's that easy.

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Mastercard

Currently an introductory rate of 2.99% A.P.R. is being offered for the first six months that you have your card. After that the rate will be a variable A.P.R. Mastercard has a 25-day grace period and no annual fee. Stop paying high interest rates on your old cards; open a new Mastercard today!
* The purchase rate and balance transfer rate is determined monthly by adding 1.99% to the Prime Rate. The cash advance rate is determined monthly by adding 11.00% to the Prime Rate.

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405 S. Blairsferry Crossing • Hiawatha, IA 52233 • (319) 395-7670 • (800) 747-1011 Fax (319) 393-8721 • Loan Department Fax (319) 832-1298

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