A credit union is a member-owned financial cooperative that provides traditional banking services. Unlike banks, credit unions are not-for-profit organizations that exist to serve their members rather than maximize corporate profits.

Credit unions offer savings accounts, checking accounts, loans, credit cards, and other financial services. Members pool their funds to provide loans and other financial services to each other at competitive rates.

ACCSU differs from traditional banks in several key ways. As a credit union, we are member-owned rather than shareholder-owned. This means our profits are returned to members in the form of lower fees, better rates, and improved services.

We focus on personalized service and financial education rather than maximizing profits. Our decision-making is local and responsive to member needs. Additionally, credit unions like ACU typically offer higher interest rates on savings accounts and lower interest rates on loans compared to banks.

Membership at ACCSU is open to individuals who meet our field of membership requirements. This typically includes people who live, work, worship, or attend school in our service area, as well as their family members. Some employer groups and organizations may also qualify for membership.

Applying for a loan at ACCSU is a straightforward process. You can start your application online through our secure portal, visit one of our branches, or call our loan specialists for assistance.

You'll need to provide:

• Proof of income (pay stubs, tax returns)
• Identification documents
• Information about your employment
• Details about the loan purpose

Our loan officers will review your application and typically provide a decision within 1-2 business days. We offer competitive rates and flexible terms for various loan types including personal loans, auto loans, and home equity loans.

ACCSU provides a range of investment options to help our members grow their wealth and plan for the future. Our offerings include:

• Certificates of Deposit (CDs) with competitive rates
• Individual Retirement Accounts (IRAs)
• Money market accounts
• Financial planning services

Our financial advisors can help you create a personalized investment strategy based on your goals, risk tolerance, and time horizon. We focus on low-cost, long-term investment approaches that maximize returns while minimizing risk.

ACCSU offers comprehensive digital banking services to make managing your finances convenient and secure. Our digital platform includes:

• Mobile banking app with check deposit
• Online bill pay and money transfers
• Account alerts and notifications
• Budgeting tools and financial management features
• Secure messaging with customer service

Opening an account with ACCSU is simple and can be done in several ways:

1. Online through our secure application portal
2. By visiting one of our local branches
3. By phone with one of our member service representatives

You'll need to provide personal identification, proof of address, and your social security number. Most accounts can be opened with a minimal initial deposit, and you'll gain immediate access to our full range of financial services.

If your ACU debit card is lost or stolen, take these steps immediately:

1. Log in to your online banking or mobile app to report the card lost/stolen
2. Call our 24/7 card services line at 1-800-555-1234
3. Monitor your account for any unauthorized transactions

We will cancel your current card and issue a replacement, typically arriving within 5-7 business days. You may be able to get emergency cash at a branch if needed.

At ACCSU, we take the security of your personal and financial information seriously. Our multi-layered security measures include:

• Advanced encryption for all online transactions
• Multi-factor authentication for account access
• Continuous monitoring for suspicious activity
• Regular security audits and updates
• Employee training on privacy protection

We never share your information with third parties for marketing purposes without your consent. You can review our complete privacy policy on our website for more details.

If you notice any suspicious activity on your ACU account, take these steps immediately:

1. Contact our fraud department at 1-800-555-6789 (available 24/7)
2. Change your online banking password and security questions
3. Review recent transactions and report any unauthorized activity
4. Consider placing a fraud alert on your credit reports

We have zero-liability protection for unauthorized transactions when reported promptly, and our team will work with you to secure your accounts and investigate any fraudulent activity.

As an ACCSU member, you enjoy numerous benefits not typically available at traditional banks:

• Higher interest rates on savings accounts
• Lower loan rates and fees
• Free checking accounts with no minimum balance requirements
• Access to financial education resources
• Voting rights in credit union governance
• Personalized service from financial professionals

Members also receive exclusive discounts on various services and access to a nationwide network of shared branches and ATMs.

As a not-for-profit financial cooperative, ACU returns profits to members in several ways:

• Higher interest rates on deposit accounts
• Lower fees for services
• Better loan rates
• Periodic patronage dividends when declared by the board

Unlike banks that pay dividends to shareholders, our earnings benefit all members equally based on their relationship with the credit union.

ACCSU offers multiple ways to get assistance:

• Phone: +1-703-701-9964 (Monday-Friday 8am-6pm, Saturday 9am-2pm)
• Email: info@accsu.ca
• In-person at our branch: 7559 Garfield St. Bois-Francs-Nord, QC J0G 5L0
• Secure messaging through online banking

Our member service representatives are available to help with any questions about your accounts, services, or general financial inquiries.

Yes, ACCSU provides free financial counseling and education to all members. Our services include:

• Budgeting and debt management advice
• Credit report reviews
• Homebuyer education
• Retirement planning consultations
• Student financial literacy programs

These services are available by appointment at our branch or through virtual meetings. We also offer regular financial education workshops on various topics.