Maps Credit Union

Maps Credit union’s roots are in the establishment of the Marion -Polk Teachers Credit Union, and, as a result, they have a lifelong commitment to educational services.
 

   
Eligibility

Membership is open to anyone who lives or works in the Willamette Valley Basin which is defined as the contiguous counties of Linn, Benton, Polk, Marion, Yamhill, Clackamas, Washington, and Multnomah.

Locations

Maps Credit Union locations have steadily grown over the last 25 years, and they now have nine locations throughout the Willamette Valley; offering opening Mon to Fri 9.30 to 5.30 and Saturday 10am till 2pm and, additional three Education locations specifically for students in three high schools. They have ATM’s at each location and drive up ATM’s at 6 of these locations.

Services

Maps Credit Union offers a range of home banking services from their free Community Checking account, with full, free online services, telephone account access and text banking, with no monthly service charges, no minimum balance and free checks. The dividends earned by Maps Credit Union are paid into a Community Foundation. The next step up from this account is the Dividend Option checking account for those who keep a minimum balance of $750. They also have a special account for the over 55’s and a Presidents’ account for members with a $30,000 loan balance.

Credit Cards

Maps Credit Union offer two types of credit card, the Visa Platinum Points card, which has a reward program. An alternative is the standard Visa Platinum, which can be run as a secured credit card to help rebuild a credit profile. The APR is 9.90% to 17.9% dependent on credit rating, then fixed for the term. There are no annual fees, and a cash advance fee 3% or minimum $5. The best service that Maps offer for those with financial difficulties is their anonymous Debt in Focus program. This will assess the users’ debt levels and make suggestions as to action to be taken. At the end of this assessment, the user has the option to speak to a Maps Credit Union adviser. This is a great idea, because the adviser can then offer a tailored banking and credit option for the applicant, having already done an assessment of their ability to pay. The likelihood is that an applicant with poor credit will be offered a basic checking account and a secured credit card to try and re-establish their credit rating.


  

Source: Credit Cards For People With Bad Credit Rating


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