Funds Availability Disclosure
1001 West B Street, Mailing Address: PO Box 385 McCook, NE 69001-0385 308-345-7040   Toll Free: 877-645-7040
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States government. National Credit Union Administration, a U.S. Government Agency
Federal Credit Union
YOUR ABILITY TO WITHDRAW FROM FUNDS Our policy is to make funds from your deposits available to you on the same business day your deposit is received.  Electronic direct deposits will also be available on the day the deposit is received.  Once they are available, you can withdraw the funds in cash or a check. For determining the availability of your deposits, a business day is Monday through Friday, except Federal holidays.  Deposits made before 4:00 P.M. on a business day are considered same day deposits.  If a deposit is made after 4:00 P.M. or on a non-business day, the deposit will be on the following business day. LONGER DELAYS MAY APPLY In some cases, the funds deposited by a check may not be available to you on the same business day of the deposit.  Depending on the type of check deposited, funds may not be available until the fifth business day after the day of your deposit.  However, the first $200 of your deposits will be available on the day of deposit. If the funds from your deposit are not available on the day of the deposit, we will notify you at that time.  We will also notify you when the funds are available.  If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the Credit Union, we will mail you the notice the next business day. If you will need the funds from a deposit immediately, please ask when the funds will be available. In addition, funds deposited by a check may be delayed longer under the following circumstances: 1.  We have reason to believe the deposited check will not be paid. 2.  Checks deposited total more than $5000 on any one day. 3.  You redeposit a check that has been returned unpaid. 4.  There is an emergency, such as a failure of communications or computer equipment. You will be notified if your ability to withdraw funds for any of these reasons is delayed and we will also notify you when the funds will be available.  Funds will generally be available no later than the eleventh business day after the day of deposit.