Division Credit Union
Eligibility and Overview
Western Division Credit Union is the largest credit union servicing western New York. It has over
300 participating groups in its membership and is open to individuals that live, worship, work, attend school or
volunteer in Chautauqua or Erie, New York. Membership eligibility extends to members families, for all generations.
They started in 1937 originally serving exclusively, National Grid employees. Western Division has a federal
charter now so is actually Western Division Federal Credit Union.
Home Banking, Checking Services
Western Division Credit Union offers a checking account that has no monthly service charge or per check fee and no
minimum balance required. They are part of the AllPoint ATM group with over 25,000 ATM's free for their customers
to withdraw from, and 850 of these are in Western New York. Their check card offers free cash back option when you
are buying products; you simply tell the cashier that you want some extra cash on top of the purchase, and they
process the transaction as a debit, and give you cash back. This is immediately debited from your account. They
also offer free Internet and telephone banking; online pay your bills and overdraft protection. You can link your
savings account with your checking account, so that if a transaction is going to put your checking account into
overdraft, the funds are automatically transferred from your savings account. Another option is to set up a line of
credit with an interest rate of 12%. The limits range from $200 to $2,000 and only the exact amount overdrawn is
taken from this.
Credit Cards and other services
Western Division Credit Union offers a Visa credit card, limit from $250, with a variable interest rate, currently
at an APR of 11.25%, based on Prime + 8%. Each month, credit card customers, get a 1% rebate on the value of their
retail purchases, which is probably a lot more attractive than point's schemes. There is no annual fee for this
card, and a 25 day grace period to pay off the balance, or make at least the minimum payment. Personal loans from
$500 are available, subject to credit checking, starting from 9.99% interest on loans up to 36 months and
increasing to 10.24% up to 48 months, and 10.49% up to 60 months. Western Division also offers vehicle loans from
as little as 2.99% and a range of home equity loans and mortgages. All offers are subject to a credit check, but
Western Division Credit Union has a very simple structure for offering credit and loans.
Source: Credit Cards For People With Bad Credit Rating
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