DEPOSIT PRODUCTS & SERVICES
Your membership account is great for saving for that special "toy"
you've been wanting, for taxes, Christmas gifts or a rainy day! E-mail
and telephone withdrawals are accepted and Direct Deposit and
Electronic Transfers are available.
Virtual Branch Online Banking and eStatements
Click on the Virtual Branch
follow the simple instructions for enrollment and enjoy 24/7/365 access to your ORLEX accounts. While logged in to
your Virtual Branch, click on the tabs: Self Service/Additional Services/eStatements and sign up for eStatements by
agreeing to the Terms and Conditions. You will receive email notifications when your eStatement becomes available.
Call us with any questions or to assist in setting up your Virtual Branch.
For even more member convenience, we have an on-site ATM machine! This ATM is on the
Falcon Network and is surcharge free for Falcon participants. It is a cash dispensing,
deposit accepting machine and has secure access 24/7. Keep us in mind for your "fast cash" needs!
Click here to see the locations
of all Falcon Network ATM's.
The ORLEX Credit Union is part of the CO-OP Network, the largest credit union-owned ATM
network in the United States. CO-OP Network ATMs are located in credit union branches,
supermarkets, 7-Eleven and Cumberland Farms stores, as well as a multitude of freestanding locations.
And CO-OP Network ATMs are always surcharge-free for ORLEX Credit Union members! Find a surcharge-free
CO-OP Network ATM by visiting www.co-opnetwork.org.
Certificates of Deposit
A great investment vehicle at competitive rates. Six and Twelve Month Terms
available with a minimum deposit of $500 required. A very popular item
here at the ORLEX Credit Union.
Money Market Accounts
A nice investment product for your funds that need to be more accessible than those in a CD. With $2500.00
minimum deposit, you have access to your funds by way of six withdrawals per month, three of which can be by check,
and we provide the first unit of 50 checks at no cost to you. Contact us for more details!
Why do you pay fees on your checking account, when a Share Draft account at ORLEX is free? We offer no minimum
balance requirements, no statement fees and no "per check fees". The only thing you pay for is your check order.
We offer monthly statements, electronic transfer/ACH transactions and auto transfer for your ORLEX loan payments,
along with Overdraft Protection options. Simply open the account with $25.00 and choose your style of checks from a
wide variety in our portfolio of checks. (Your check order will be debited from your account a few weeks later).
And for your further convenience, we can open a share draft account by mail. Contact us and we will mail you all the necessary documents.
One of our most popular products, the debit card is a great convenience to our members. It offers access to checking and
savings and is part of the Falcon Network, which means surcharge-free transactions at Falcon ATM machines, and
it can be used at merchants worldwide for Point of Sale (POS) transactions. Our debit card is a must-have!
Credit Cards are available. Please visit our Credit Card page
for more information.
Open your Club account with $5.00, make deposits at any time in any
amount up to September 30th, and we will transfer the funds into your
savings account on October 1st of each year. Please see our Rates
page for the dividend rate being paid on these new accounts.
Save a stamp! Have your ORLEX payments automatically withdrawn
from your savings or checking.
We accept ACH (Automated Clearing House) debits and credits from all sectors. You can have set amounts called
allotments, or your entire paycheck direct deposited to your accounts at ORLEX. You can pay your bills, insurance
premiums, etc. through your deposit accounts by using Electronic Transfer.
Please contact us for more information on how to set up these transactions.
LOAN PRODUCTS & SERVICES
New or used, purchase or refinance from another creditor, we have the right
auto loan for you. We will finance up to 100% of the purchase price, just
provide us with the Purchase & Sale Agreement. As an extra convenience to
you, contact us before you go car shopping for a pre approval! You'll have
an easier time at the dealership knowing that you have your financing
already in place. If you're interested in refinancing your auto loan to
ORLEX to lower your payment, we will refinance the entire balance, just
provide us with the name, address and payoff information. We'll take care
of the rest. Please visit our Rates
page for all
of our rates and terms.
The same goes for any recreational vehicle as our auto loans. We finance
boats, ATV's, motorcycles, snowmachines, campers, etc., up to 100% of the
purchase price, or we will refinance your R.V. loan from another creditor.
Please add two percent to the auto loan rates found on our Rates page for
any new or used Rec vehicle.
One of our most popular loan products, our signature loan is available for up to $7,500.00, unsecured, for any reason.
Contact us for more info!.
Share Secured Loans
Don't drain your savings! Use it as collateral for a loan for any purpose, at a rate that is 2.0% over the
rate being paid into your deposit account. For example, if your CD rate is 5.0% and you use it for collateral for
a loan, that loan rate will be 7.0%. See our rates page for current rates and more details on this type of loan.
Elect overdraft protection for your share draft account by using your
savings account or an overdraft line of credit. Avoid those
embarrassing bounced checks!
We offer credit cards to our members through a
partnership with the Illinois Credit Union League, a relationship made
available to us by our own Vermont Credit Union League.
Here are the details:
Members can apply by calling our toll free line
1-888-415-6154, by completing a paper application or by going online
to our secure website at https://www.MyCUCard.com
. Applications will
be decided within four hours of receipt during the business
day. Members will be notified by one of our loan officers, and can
expect to receive their card with 8-10 business days.
Members who wish to obtain their balance, account
history, payment and purchase information can go to another secure
website at www.ezcardinfo.com
We offer mortgages and refinances through our partnership with Owner's Choice Mortgage.
Please stop in for a visit or contact us by phone or email for more information.
Loan requests must meet all requirements to qualify
Member Referral Program
Here's how the Member Referral Program works: Each existing member who refers an eligible individual to our
credit union for membership will receive a one quarter percent (.25%) discount on their next loan. Each
referral must become a member for you to receive the discount, and the maximum discount is one percent per loan.
Please see our Membership page for eligibility requirements.
Loan with Checking Discount
You will receive one quarter percent (.25%) off the advertised APR on all of your loans when you
have a Share Draft/Checking account.