IBM Southeast Employees Federal Credit Union of Delray Beach, Florida has been serving its members for more than 45 years, currently from 15 locations. It is classified as a primarily manufacturing common bond.
Checking services include no cost share drafts, share certificates with low minimum balance requirements, bill pay services and overdraft protection. Debit cards, ATMs with no surcharges and prepaid debit cards are available.
For members needing to establish credit, the credit union offers share-secured credit cards and small dollar loans. Financial counseling, financial education and financial literacy workshops are available.
In addition to car loans and other types of credit, IBM Southeast Employees FCU can do real estate loans, has a first time homebuyer program and can grant interest only or payment option first mortgage loans. Conveniences include check cashing, international remittances, low-cost wire transfers and money orders. IBM Southeast Employees FCU members may also take advantage of bilingual services and loans based on expected tax refund.
Business and professional services include business share accounts, business loans, merchant processing services/payment processing, micro business loans, mortgage processing and the credit union is an approved mortgage seller. Individuals with other financial, savings, and investment needs will appreciate health savings accounts, individual development accounts and insurance/investment products that are offered.
The "virtual branch office" can be accessed via web based banking, automated telephone access and smartphone. From home, you can apply to join the credit union, apply for a loan, inquire into your account, order checks, open a new share account, pay your loan, view account history, make share account transfers, bill payments, download your account history, view statements and make deposits remotely.
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