Millstream Area Credit Union

Overdraft Services

Overdraft Line of Credit

This revolving line of credit is hooked to your checking account and allows you to write a maximum of $500 over your balance.
Checking account advance if your balance falls below zero.
Monthly payment of $35 until the amount advanced is paid off.
Interest rate is 18% APR*
No payment due or interest accumulated if balance is zero.

Overdraft Account

Members can set this account up and have it hooked to their checking account, to keep their funds separate from their savings account.

This account is used for automatic transfers directly to the checking account.
If any checks come in and there are insufficient funds in the checking, the money will automatically transfer and clear the check
If money transfers there is only a $1.00 charge instead of a $33.00 NSF fee.
This account saves the embarrassment of a bounced check.
This account earns interest on an average daily balance of $100.00.
Dividends compounded quarterly

* APY (Annual Percentage Yield)
° APR (Annual Percentage Rates)

Dividends are earned on the average daily balance. Paid quarterly.
Credit approval required. Terms & Conditions apply

Overdraft Services

Find a Surcharge FREE ATM