• Online access
• Direct deposits which make it convenient for members to receive their paychecks.
• Notary service
• Master Card cash advance
• Wire transfer
• Bill pay
• ATM
• ACH Origination
• MasterCard Gift Cards
• Checking accounts which facilitate free and unlimited check writing.
• A Golden Apple Checking account for members above the age of 55 years. No minimum daily balance is required and members are not charged any fee for having money that falls below the minimum balance required.
• Payroll deduction

• Regular Share Savings Accounts: These require a nominal amount to start the account. Members are offered competitive dividend rates. The dividends are figured on a day-to-day basis and paid quarterly.
• Share Certificates Of Deposits: The minimum amount of deposits required vary here. There are a variety of terms available for example minimum $1000 deposits and $6 month-$36 month terms. The Annual Percentage Yields are quoted on a weekly basis and interest is compounded quarterly.
• IRAs: These comprise of Variable Rate Traditional and Roth IRAs. The Individual Retirement Accounts have great tax advantages. Roth IRAs help members make tax-free withdrawals on retirement.
• Club Accounts: These consist of Christmas club and vacation Club accounts.

Buying a used car, demands even more knowledge and concern than buying a new car. It is a challenging task as details like the condition of the car, its usage and various other factors have to be kept in mind before purchasing it.

However, deciding on the purchase of a used car becomes a hassle free process when the buyer is smart enough to cover each and every aspect involved in the process of its purchase. Following are some points that must be kept in mind before buying a used car:

• Decide on the car to buy: You can list down the cars you prefer to buy beforehand, so that you can make a thorough comparison amongst them. Be aware of your needs and lifestyle, and then decide the car model that would suit your purpose.
• Look for a used car seller: You can consult the newspaper advertizements or even ask from your friends if they know a person who is willing to sell off his car.
• Check the details: After you are done with the searching of the used car sellers, it is now time to check for the history of the car. It includes the time of purchase, the cost at which it was purchased, the distance it has run etc.
• The condition: The condition of the used car plays an important role in the purchase process. Always remember that pre-owned car does not always mean a car is in a poor condition. You have to be smart enough to get a used car worth the amount you are paying. Hence, evaluate the condition thoroughly and do not hurry.
• Test drive: You must drive on all kinds of roads. Apart from a smooth drive, check for the sounds, vibrations and jerks also.
• Paperwork: Be very particular about the paperwork involved in the purchasing process. It includes the registration of the car, the legal policies, the change of ownership documents etc.
• Finalize the deal: Try to negotiate with the price as per your capacity and then finalize the deal.

However, do not search for the cheapest car, rather look for a car that is good in condition as well as has a reasonable price tag.

To avail cheap and secured car loans, for used car as well as the new ones, visit us at Greater Central Texas Federal Credit Union at 3305 E Elms Road, Killeen, TX 76542 or call at 254-690-2274.

Auto Loan in Killeen, Tx - Secured Auto Loan