Good Credit Habits Begin Early with Visions

The first thing you must do once you get money of your own is figure out what to do with it.Where's a safe place to stash it for weekly expenses? How am I going to buy a car? What about college? And some day, it might be nice to move into a place of my own.

Smart Start Checking /
VISA® Check Card

A Share Savings account establishes your membership with Visions and entitles you to our full range of products and services.

NO FEE CHECKING!
Smart Start Checking is available to students 13-22 years of age. No minimum balance required, no monthly fees, and the first order of 50 checks is free! Smart Start Checking is a no dividend account.

18 or older? Check out Visions “E” Checking!

• No minimum balance required
• No dividends
• FREE when you maintain a paperless E-relationship, to include enrollment in e-statements, and e-notices.
• Paper checks not permitted; electronic transactions only.
• Minimum of (6) check card transactions -OR- (3) bill payment transactions per month is required.
• $8.00 monthly service charge will apply if E-relationship requirements are not met.

YOUR OWN CHECK CARD!
Pay for purchases with VISA® Check Card** The check card is NOT a credit card; it can be used wherever VISA® cards are accepted, but the money is deducted from your checking account balance - like a check – only easier! **Minimum of one purchase per month is required to avoid $1 service charge. Minimum age to qualify for Visa® Check Card is 16.

CONVENIENT ATM ACCESS!
The VISA® Check Card doubles as an ATM card for qualified applicants age 16+, or an ENTRY card is available for ATM access only, beginning at age 13. Either one can be used to make deposits, withdrawals, cash checks, etc., at any Visions ATM or network ATMs nationwide.

Smart Start Loans - Your Credit Past Is Your Credit Future

Visions offers several lending options for young borrowers. We believe that offering a chance to build credit at an early age will help establish lifelong patterns of responsibility.

	AUTO LOAN A reliable vehicle is key to managing your busy schedule. Take advantage of no down payment and 100% financing for up to 48 months on new, late-model, or used autos. (A co-applicant may be required)
	NO FEE MASTERCARD® It’s our lowest rate credit card and the annual fee is waived for the first year! Apply for up to a $1,000 credit line. (A co-applicant may be required for ages 18-21)
	STUDENT VISA® Full time college or trade school students age 17+ can apply for a $1,000 credit line. Class schedule and student ID must be presented at time of application, and student must not have any history of negative credit. Students may be eligible for up to a $2,000 maximum credit limit. (a co-applicant may be required)

Student Loans - Visions Guides You Through Your Financing Options

Your credit union is here to see you through college with financing options to meet any need.

• Federal Stafford Loans (subsidized & unsubsidized)
• PLUS Loan (Parental Loan for Undergraduate Students)
• Credit Union Student Choice (private loans to fill the funding gaps that federal aid can leave behind.)

*Loan approvals subject to standard credit requirements.