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malathyr
- Member
rated:
posted: Jul. 20, 2008 @ 10:06a 
they say dividend instead of interest. does this mean they will be taxed @ 15% instead of normal tax rate?. That would be a plus right? |
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uutxs
- Senior Member - 2K
rated:
posted: Jul. 20, 2008 @ 10:18a
malathyr said:they say dividend instead of interest. does this mean they will be taxed @ 15% instead of normal tax rate?. That would be a plus right?
CUs call it dividend; it has no bearing as far as taxes go. I believe this has to do with the fact that you are actually a "shareholder" in a CU. Also, the preferential tax rate applies to "qualified dividends" and not "ordinary dividend" distributed by any company. |
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vickh
- Senior Member - 1K
rated:
posted: Jul. 20, 2008 @ 4:00p
for the app. do we use Advantage Checking
or Freedom Checking |
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DavidScubadiver
- Frivolous Member
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posted: Jul. 21, 2008 @ 1:26p
someone must be looking out for me. I lost my SS card 9 years ago and never had it replaced. So I can't send a photocopy of it with my application. So I have to pass this one up or get a new ss card. Now that seems too much of a hassle. |
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zoop76
- Addicted Member
rated:
posted: Jul. 21, 2008 @ 1:34p
gwu1986 said:vickh said:for the app. do we use Advantage Checking
or Freedom CheckingNeither. Use the Reward Checking link
Do you know if you have to fill out the CU membership app first? |
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mh83
- Senior Member
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posted: Jul. 21, 2008 @ 2:18p
DavidScubadiver said:someone must be looking out for me. I lost my SS card 9 years ago and never had it replaced. So I can't send a photocopy of it with my application. So I have to pass this one up or get a new ss card. Now that seems too much of a hassle.
You can send a photocopy of your passport, or was that lost also? |
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gwu1986
- Senior Member - 1K
rated:
posted: Jul. 21, 2008 @ 3:22p
zoop76 said:gwu1986 said:vickh said:for the app. do we use Advantage Checking
or Freedom CheckingNeither. Use the Reward Checking link
Do you know if you have to fill out the CU membership app first?
No, I don't know. I have not joined the cu. |
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HBax
- Member
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posted: Jul. 21, 2008 @ 4:34p
Eh, I assume it is one account per person ? |
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glxpass
- Senior Member - 3K
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posted: Jul. 21, 2008 @ 6:09p
HBax said:Eh, I assume it is one account per person ?
Yes, one account per primary SSN. |
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TheTigger
- Senior Member
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posted: Jul. 24, 2008 @ 10:33p
OK - no FW effect so far and the rate is still 7.01%. But Paypoo is adding $1.06 as "shipping & handling" for online SPCA membership - what a piece of crock.
Any way to get around it (except for mailing a check)? TIA |
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glxpass
- Senior Member - 3K
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posted: Jul. 24, 2008 @ 10:35p
TheTigger said:OK - no FW effect so far and the rate is still 7.01%.
But Paypoo is adding $1.06 as "shipping & handling" for online SPCA membership - what a piece of crock.
Any way to get around it (except for mailing a check)?
TIA
Joining Allen County SPCA should be part of the membership application process. You don't have to join it on your own. |
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ThursdaysChild
- Grumpy Member
rated:
posted: Jul. 25, 2008 @ 12:12a
zoop76 said:gwu1986 said:vickh said:for the app. do we use Advantage Checking
or Freedom CheckingNeither. Use the Reward Checking link
Do you know if you have to fill out the CU membership app first?
Normally yes, in order to get a checking account (or CD or other account) you have to "join" or "become a member" of a credit union. |
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GroveStreetOG
- Senior Member
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posted: Jul. 25, 2008 @ 11:23a
MISURICK said:I hope their banking practices are better than their site  Washington Mutual's website looks great. |
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hkguyatus
- Member
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posted: Jul. 28, 2008 @ 8:28a
Did anyone open this account with the SPCA membership and not mind to post the timeline/process? Thanks |
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tim1
- Member
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posted: Jul. 28, 2008 @ 8:46p
I applied online filling out the online form for rewards checking. I received CU membership form with postage paid return envelope allong with the required disclosures (which must be notarized) in the mail within about 2 days. On the CU APPlication I wrote "member of ACSPCA" and separately made my membership for $26 through the ACSPCA website... it might not have been necessary to do it separately? not sure yet...hope to get account info back in the mail soon. I will update when process is complete. |
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LovesABargain
- Addicted Member
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posted: Aug. 4, 2008 @ 2:38p
Does an ACH transfer you do yourself count or does it have to be a direct deposit? |
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