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Effective March 20, 2014 the on-line banking has changed.
Call 937-865-2909 if you have questions.
 
 
Welcome to Monarch Federal Credit Union

Serving Avery Dennison employees
 
If you are an Avery Dennison employee in the United States, you and your immediate family
(parents, spouse, brothers, sisters and children) are eligible for membership. 
Click on the Documents tab for a membership application.
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          No-Questions-Asked Holiday Loan

available November 3, 2014 through January 30, 2015

Borrow up to $2,000.00 at 18.00% for 12 months

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UNSECURED LOAN RATES DECREASED BY

3.00% across the board
rates as low as 4.50% for a maximum 4 year term
salary and credit score determines maximum loan amount
 
call or stop in the credit union for details and to apply
Does not include Easy Access Line-of-Credit or No-Questions-Asked Loans
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ASK ABOUT OUR LEASE-LIKE LOAN
no down-payment requirements
more options than a traditional lease
NOW YOU HAVE A CHOICE!
 
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How much can YOU SAVE?
Since 2013, we have save our members over $205,667.00
 by refinancing their vehicle loans with the credit union and consolidating credit card debt.
In today's economy, every penny counts.
 
We have rates as low as 1.99%
 
    CALL OR STOP IN AND WE WILL GLADLY SEE HOW MUCH WE CAN SAVE YOU.
 
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LOGGING ON TO MONARCH FCU’S ON-LINE BANKING:

 Click on the login button in the upper right corner of the screen.

Your username is your base account number, without any suffixes, such as 1234 or 34567.  The first time you log in to the system, your temporary password will be emailed to you. 

You will be prompted to change your password.  The password must be at least eight characters, including at least one each of the following:

An uppercase letter, a lowercase letter, a number, and a special character such as *,$,# .

Ten security questions will be presented upon logging in the first time.  Five of the ten questions will need to be answered.  After the initial login, you will be asked one of the questions when logging in each time.

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ACCOUNT MAINTENANCE AND STATEMENT FEES
 
 Members who receive their statements electronically are not charged a fee for statement processing. For members that receive their statements through the mail, i.e. paper statements, there will be a $1.00 fee per statement. This fee can be avoided by signing up for electronic delivery of your statement. You can click on the Statement Tab on our website and opt-in or call or stop in the credit union office. We will code your account and you will receive an email when your statement is available. You can then go to our website, log in to on-line banking and retrieve your statement. You will have access to the last 12 statements generated after you enroll that you can review and print out if necessary.

The second fee is related to the use of the credit union services. The monthly account maintenance fee of $2.00 is charged for any account with a total combined balance of savings and the original loan amount of any active loan(s) less than $5,000.00 at the end of the statement period.

Members under the age of 18 and over the age of 65 will be exempt from these fees.

Your Board of Directors has instituted these fees reluctantly, as we have tried to avoid them by increasing our loans outstanding. Unfortunately, our loans outstanding have not increased significantly enough to generate the revenue needed to avoid these fees. We are continuing to act to increase our loans outstanding and perhaps be able to reduce or eliminate these fees in the future.

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On-line Banking Security Requirements

Loan Sale

Monarch FCU now offers mortgage loans and refinances through our mortgage partner MMS Mortgage.

We'll Pay You to Spread the Word!

Holiday Hours

 

 

We Now Offer Mobile Banking!

Just visit www.monarchfcu.org/m from your mobile device to get started!