ACH Direct Deposits and Originations: The Automated Clearing House (ACH) System of the Federal Reserve allows you to have your Social Security check or a designated portion from your payroll check deposited directly to your credit union account. We can also draft your bank account (bank originations) for deposits, loan payments, and/or MasterCard payments. CUNA Mutual: An insurance company “Committed to You” because they are owned by credit union members, the policy holders. CUNA Mutual offers many types of insurance to credit union members, including term and whole life insurance, mortgage insurance, accidental death & dismemberment protection, and supplemental health and hospitalization coverage. CUNA Mutual also offers a full line of auto coverage to meet the needs of our credit union members. Credit Bureau Reporting: : We report to the Credit Bureau monthly to build credit for the future of our members. Telecheck : To protect against losses, your credit union is a member of Telecheck. Wire Transfers: Money can be transferred between the credit union and any financial institution for a minimal fee. Features from Tax Reduction Act: Penalty-free IRA withdrawals for educational  expenses or to purchase a first-time home for you,  your spouse, your children or grandchildren. New Roth IRA – nondeductible IRA which allows   tax-free withdrawals. An increase in deductibility limits. Excess withdrawal taxes repealed.