Loans Skip-A-Pay 2024

SKIP A MONTHLY LOAN PAYMENT - Available Monday June 24, 2024

You may SKIP A MONTHLY LOAN PAYMENT once during the months of July, August, or September 2024. If you have more than one qualifying loan you may request to SKIP-A-PAY on each loan. To skip your payment:

· Complete the SKIP-A-PAY agreement (contact us to receive the Esign agreement or stop by the credit union to fill out the form). Both the primary member and co-signer must sign the form (if applicable).

· There is a processing fee of $30.00 for each monthly loan payment you choose to skip.

· All requests must be received at least 15 days before your payment is due. All loans must be current and at least 3 months’ worth of on time payments.

· On qualifying loans, interest will continue to accrue during the waived payment period which will result in the term of the loan being extended. 

Which loans do not qualify?

· Accounts with a delinquent loan or negative deposit account balances.

· Loans open less than 3 months

· Any loans that have been modified or have had extensions

· Home Equity

· Share secured loans or CD secured loans

. Loans with a Skip-A-Pay less than one year.

If you are not approved for a SKIP-A-PAY, you will be notified in writing.

Call us at 718-206-8216, email us at Info@MedisysEFCU.org, or stop by our office on the 2nd floor of the Axel Bldg at JHMC for more information or to request the agreement.

VACATION LOAN

 

VACATION LOAN 

  

Taking a vacay or a staycay?

Our Vacation Loan Special will be available from June 3rd to August 2nd, 2024, ONLY.

Loan details:

·              Amount applied for can be any amount between $2,500 and $5,000.

·              6 to 24 months repayment (or max 52 bi-weekly payments)

·              Members can have this loan in addition to an existing loan and/or Quick Loan (if qualified).

·              Flat interest rate is 12% APR* (some members may qualify for a lower interest rate).

·              All other lending policies apply (including credit report check and length of Employment and/or Membership).

 

FAIR AND ACCURATE CREDIT REPORTING: Please be advised that Medisys EFCU reports information about your loan account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your report. (This is also true for your cosigner, if you have one).

* Annual Percentage Rate

Contact us at 718-206-8216 or at info@medisysefcu.org for additional information.

Your savings are federally insured to at least $250,000 and back by the full faith and credit of the Unted States Government Agency National credit Union Administration.

MEFCU is an equal Opportunity Lender.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government Agency
National Credit Union Administration, a U.S. Government Agency

New products and services!

Great News!

Effective Monday February 5, 2024, the Credit Union will be open on Mondays from 7:30 AM to 4:30 PM.

From Tuesday to Friday, the opening hours remain the same from 9:00 AM to 4:30 PM

____________________________________________________________________________

Now offering Money Market Accounts!

Do you want to earn higher interest rates than from your savings accounts while still maintaining liquidity?

A Money Market account could be right for you.

Beginning February 1st, 2024, your credit union will offer Money Market Accounts.

 

See our "rates" page for more information.

 

3/14/23: Mobile Card Management is here!!

Great News!!

Medisys EFCU members using our Visa Debit Card are just a few taps away from the new Mobile Card Management and Spend Tracking features now available in our mobile app!

Set transaction limits, view spending insights, receive fraud alerts, and more!

Add your card to the Apple Wallet, Google Wallet, or Samsung Wallet and make purchases directly from your mobile device!

From within the Medisys EFCU mobile app, simply tap on Cards to get started.

Have questions?  Need a debit card? Please email us at Info@MedisysEFCU.org or call us at 718-206-8216.

Please note: Members must be enrolled in Virtual Branch in order to use the Medisys EFCU mobile app.  Members must have a Share Draft (checking) account in order to use our Visa Debit Card. The app can be downloaded to your mobile device from the Apple App Store and Google Play.

Medisys EFCU has joined the CO-OP Network!

What does this mean for our members?

You can now connect with 30,000 CO-OP ATMs across the country - all surcharge-free!

*Locations available in convenient retail locations and in all 50 states.

Just look for the red CO-OP logo:

Find ATMs near you in these convenient ways:

* Visit CO-OPatm.org

* Download the CO-OP mobile app

* Text your current address to 91989

* Call 1-888-748-3266

 

 

New PIN selection process and phone number

Great news!  We now have a new telephone number for debit card holders to use to be able to change their PIN.  Members can use 1-800-992-3808 to call Card Self Service 24 hours a day, 7 days a week.

New card holders will use this number to both activate their new card and select a PIN.

Existing card holders will use this number to change their PIN number. 

We will no longer be sending PIN mailers or using reference numbers to change the PIN.

 

Visa Purchase Alerts

Medisys EFCU Visa Debit Card holders can now enroll their card in Visa Purchase Alerts in order to closely monitor their transaction activity.  When you sign up to receive Purchase Alerts, you will set up parameters and then receive an email and/or a text message when a qualifying transaction takes place. Purchase Alerts help you keep better track of your money and identify fraudulent transactions more quickly.  Triggers can include: dollar amount, international transactions, or card-absent transactions.  Sign up at Visa.com/PurchaseAlerts and start receiving alerts today!