Share Accounts

$5.00 minimum deposit to open
Quarterly Statement
Dividend (interest) paid quarterly
Deposits insured up to $100,000 by NCUA

Share Certificates (Certificates of Deposit)

1 Year term and 6 month term available
Dividend (interest) paid at maturity
Rates reviewed for adjustment weekly
Deposits insured up to $100,000 by NCUA

Share Draft (Checking) Account

$5.00 minimum to open
No monthly fee
Monthly Statement
First 50 checks are free
Deposits insured up to $100,000 by NCUA

Bank Cards

ATM Card

Allows you to use ATM machines for cash withdrawals or account inquiry
There is no fee for cash withdrawals at ATM's owned by:

ESL Federal Credit Union
Summit Federal Credit Union
Pittsford Federal Credit Union
Family First Federal Credit Union

Deposits are made through mail-in, walk-in or direct deposit

Check Card (Debit Card)

Allows you to use ATM machines to access accounts
Can be used for purchases at stores and for online purchases
Share Draft account (Checking) and direct deposit required 

LOANS

First Mortgage

Fixed Rates and Variable Rates Available
Conventional and FHA
Free Pre-qualification
Many rates, terms available

Home Equity Loans

Line of Credit

Amortized over 15 years
Up to 90% of property value (less first mortgage amount)
$10,000 minimum line of credit amount
$500 minimum draws
Variable rate adjusted quarterly
Interest may qualify as a Federal income tax deduction
Rates based on prime
Available on owner occupied properties
Available on second residences if there is no first mortgage
Property must be located in Monroe, Livingston, Ontario, Orleans, or Wyoming County
Closing costs paid by WIT (certain limits apply)

Fixed Rate Home Equity Loan (Closed End)

Terms of 5 to 15 years
Up to 90% of property value (less first mortgage amount)
Rates based on credit history
Available on owner occupied properties
Available on second residences if there is no first mortgage
Property must be located in Monroe, Livingston, Ontario, Orleans, or  Wyoming County

Car & Truck Loans

New

Up to 100% of value plus, title, tax, Gap insurance, and extended warranty
Terms of up to 72 months
Rates based on credit history and length of term

Used

Terms of up to:

72 months - Current model year or a year older
60 months - 4-year-old model
48 months - 5 or more years old
Rates based on credit history and length of term

ATV, Snowmobile, or Off Street Vehicle

New

Up to 100% of value plus, title, and tax
Terms of up to 72 months
Rates based on credit history and length of term

Used

Up to 100% of NADA book value
Terms of up to:

72 months - Current model year or a year older
60 months - 4-year-old model
48 months - 5 or more years old
Rates based on credit history and length of term

Personal Loans

Terms of up to 5 years
Rates based on credit history

Share-Secured Loan

Term and amounts are only limited by member's shares and desired payback period

Education Loans

These loans are not payment deferred government backed loans