SharePoint Credit Union

EasyVest allows you to open a brokerage account with a joint owner. During enrollment, you can enter the email address of the joint user and an email will be sent to invite the user to enroll. The joint owner must also be a member of SharePoint Credit Union.

Your investment account is not protected against loss by any insurances. Accounts at DriveWealth, LLC, are insured by the Securities Investor Protection Coporation, which protects investment accounts should DriveWealth experience financial difficulty. However, SIPC insurance does not protect your account against loss caused by market decline.

DriveWealth, which provides brokerage services through EasyVest to SharePoint CU members, is an SEC-registered broker-dealer and a member of FINRA/SIPC, a regulator for all securities firms doing business in the United States.

We have a fairly quick turnaround time. Average time from application to closing can be as little as 2 weeks. This will depend on how responsive the borrower is, and whether an appraisal is required. If an appraisal is required, the time to closing may be longer due to scheduling. We will preapprove your request prior to moving forward with any services that would incur a cost.

A knowledgeable SharePoint CU Financial Services Representative can help you determine the right loan product based on your needs.

The biggest benefit is the rate. Loans secured by a primary residence tend to be significantly lower than any other loan product, such as a credit card or personal loan.

Yes, you can use SharePoint as little or as much as you’d like.

To avoid paying mortgage insurance on a con­ventional loan, a 20% down payment is required.

VA loan – no down payment requirement Conventional – 3% for first-time home buyers, if you have owned a home in the past 3 years then 5% is the minimum down payment requirement. FHA – 3.5% down payment requirement

SharePoint is a local, not-for-profit member owned financial cooperative that is easy to do business with. Our knowledge­able mortgage team will provide choice, conve­nience, and flexibility while we work to give you the best value to reach your goals. You will receive exceptional service during your loan process, as well as any future needs you may have.

Yes, you can set up an automatically recurring transfer. Our maximum recurring transfer amount is $5,000. Funding frequency options for recurring transfer are: The second Monday of a month 15th of every month First day of a month Daily (every business day) At the beginning of each calendar quarter

Please contact us at InvestSupport@AccessSoftek.com for assistance.

Inside the EasyVest product, you will find a Chatbot that is available throughout the product, whether you have an investment or not. The Chatbot can answer most investor questions and is frequently updated to support any new questions that it was previously unable to handle. In addition, Access Softek's team of client service specialists are available via email at InvestSupport@AccessSoftek.com. General requests are typically answered within one business day, but some requests require significant research that may delay the response to you.

Currently, EasyVest only supports a single investment account for each membership.

As with any investment, there is a risk that you may lose your investment. Should the market value of your account decline, your account may lose value. However, portfolios managed within an EasyVest account are rebalanced monthly to maintain the level of risk that aligns with your goals.

The minimum initial deposit required is $200. Once you open your account, you must maintain a balance of at least $200.

Rebalancing is the practice of moving funds between exchange traded funds (ETFs) over time to align the overall investment strategy with a member's financial goals. Each EFT is a diversified investment that changes over time. As EFTs change, they may become more or less aligned with an investor's financial desire. When that happens, money is moved around to ensure it is being invested most appropriately. Rebalancing is done monthly.

If, at any point, you would like to close your EasyVest account, please contact the team by email at InvestSupport@AccessSoftek.com. You will be charged for any remaining fees if your account is closed before the billing cycle ends. All recurring and/or scheduled deposits and withdrawals will be cancelled. Processing may be delayed up to one full business day to accommodate possible ACH transfers. The final balance from your closed account will be transferred back to your SharePoint CU account by ACH deposit, which may take up to 3-5 business days. You may not close your account until it has been open for at least 30 days.

Automated investment management is a data-driven, algorithmic approach to investing. By understanding hings about an investor, like their financial goals and risk tolerance, the automated system is able to process and analyze significant amounts of data in real time to make frequent enhancements to an investor's portfolio. This helps ensure that all money invested in the portfolio is being put to the best possible use according to the investor's profile.

With our HELOC’s we will finance up to 90% loan to value. We will finance up to 100% loan to value on a Fixed Equity loan.

We offer both a variable rate Home Equity Line of Credit (HELOC) and Fixed rate term Home Equity loan. The Home Equity Line of Credit (HELOC) is a revolving line of credit secured by your primary residence or cabins/vacation homes. The HELOC offers a 7-year draw period, and then a 10-year repayment period. Our Fixed Home Equity Loan is a one-time advance that is then repaid over a fixed term at a fixed rate. We offer terms up to 15 years.

You can set up a Challenge Question in Internet Banking. In Internet Banking, click on Settings > Additional Services > Challenge Questions Each Login Toggle to green to enable this feature Click on Save changes *Only available for Internet Banking logins, does not work on the Mobile App.

In Internet Banking, select Settings > Contact Information on the left menu Review and update any outdated contact information Locate the Mobile/Text Messaging phone number Click on “Use this number for Text Messaging” Retrieve the code sent via text message Return to the website and enter the Verification Code Click on Submit Confirmation of a successful enrollment will be sent via text On the Mobile App, select Contact Information on the left menu Review and update any outdated contact information Locate and select the Mobile/Text Messaging phone number On the next screen, select “Use this number for Text Messaging” Retrieve the code sent via text message Return to the App, enter the Verification Code, and hit Submit Confirmation of a successful enrollment will be sent via text

Yes. When you enter your SharePoint member number as your sign-on ID and PIN (Personal Identification Number) to login to your online banking account and then click on the “Submit” button, your personal information is encrypted before it is sent to our Internet Banking site.

In Internet Banking, click on Messages & Alerts > Manage Alerts on the left menu > General Alerts to turn on important alerts. Secure Message Alert Change in Contact Info Alert Login Credential Change Alert Login Alert Password Reset Request Alert On the Mobile App, click Manage Alerts on the left menu > General Alerts to turn on important alerts, such as: Secure Message Alert Change in Contact Info Alert Login Credential Change Alert Login Alert Password Reset Request Alert

Yes, we are able to assist you with your mort­gage in all 50 states.

A pre-approval is valid for four months. After four months, the credit report expires and a new credit report must be pulled.

The first step would be for you to complete a personal budget to determine how much you can afford to spend on a home. Once you com­plete a budget, you will want to start the pre-ap­proval process to determine how much you will qualify for.

VA loan – A loan that is available for eligible veterans. VA loans typically do not require a down payment, will be more lenient on credit history, and have a lower interest rate. If you are a veteran or active-duty military, SharePoint can help you determine if you are eligible for a VA loan. Conventional – Conventional loans are your best option if you have good credit and are able to contribute 3%-5% (depending on if you are a first-time homebuyer) or more as a down payment. When you have less than a 20% down payment mortgage insurance will be required on a Conventional loan, but will drop off when your loan balance gets paid down to 78% of the initial purchase value of the property. FHA - FHA loans are insured by the Federal Housing Admin­istration. FHA loans provide a low-down payment option at 3.5% and are more lenient on credit issues. However, there are more fees asso­ciated with an FHA loan and mortgage insurance does not drop off on an FHA loan.

If you are looking to purchase a home, we rec­ommend getting pre-approved as soon as possi­ble. Even if you aren’t looking to buy immediately, getting pre-approved will give you time to correct anything on your credit report and time to in­crease your credit score to ensure you get the best interest rate.

Yes, we offer a variety of solutions, depending on your personal situation. Visit our Financial Toolkit at www.sharepointcu.com/toolkit or contact a SharePoint CU Representative to find the right solution for you.

Yes, please visit our Financial Toolkit page to see how we can help. https://www.sharepointcu.com/toolkit

When using EasyVest, you create an investment account that invests in securities. Your account is not a SharePoint Credit Union share. The investment account is held at DriveWealth, LLC, a securities brokerage firm that is not associated with SharePoint CU. The account is managed by Access Softek Advisory Services, LLC, which is also not affiliated with SharePoint CU.

Contactless cards are debit or credit cards equipped with near-field communication (NFC) technology. This allows you to make secure payments by simply tapping your card on a contactless reader instead of swiping it or inserting it into a terminal.

When you tap your contactless card on a reader, a secure radio signal transmits your encrypted payment information to the terminal. The transaction is then authorized without you needing to enter your PIN for small purchases (amount limits may vary).

Yes, contactless payments are considered a secure way to pay. The data transmitted during a contactless transaction is encrypted, making it difficult to intercept by fraudsters. Additionally, contactless cards typically have spending limits for transactions that don't require a PIN.

Convenience: Pay for purchases quickly and easily with a simple tap. Speed: Transactions are processed faster than swiping or inserting your card. Security: Encrypted data transmission minimizes the risk of fraud.

Look for the contactless symbol (four wavy lines) displayed at checkout terminals in stores, restaurants, gas stations, and other merchants. Many public transportation systems also accept contactless payments.

Many newer SharePoint Credit Union cards already come equipped with contactless technology. If you have an older card, you may be eligible for a free replacement with contactless functionality. Contact SharePoint Credit Union to inquire about your specific card.

Yes! Many popular digital wallet apps (like Apple Pay or Google Pay) allow you to add your SharePoint Credit Union card for secure and convenient contactless payments using your smartphone or other mobile device.

If your contactless card is lost, stolen, or malfunctioning, contact SharePoint Credit Union immediately to report the issue and request a replacement card.

You will likely get a better rate going directly through your credit union. Dealer’s may mark up the rate when using their financing to increase the income they earn on the deal.

No, there is no prepayment on RV Loans!

Our goal is to preapprove loan requests within 4 hours, assuming we have the information required.

Boats due tend to hold their value better than an automobile. That being said, I think you should look at a payment that is comfortable for your budget rather than just the term. Rates tend to increase once your term extends more than 10 years.

We offer 100% financing of the value of the boat. Nevertheless, if you are able to put money down towards the purchase that is always a good idea.