Our mission:

Route 31 Credit Union goes the extra mile to help members of our community achieve success through life’s financial twists and turns.

We are excited to announce some changes to our Diamond Club, Secure Checking Accounts, and Service Charge Schedule beginning September 3, 2024.

Diamond Club

Our Diamond Club offered a .25% Loan Rebate each month on your loans and a .25% Bonus on CD Balances. This was a popular benefit. To simplify our rewards program, we are eliminating the Diamond Club, but you can still receive the Loan Rebate and Bonus on CDs if you have either an Extra Mile Checking Account (formerly Secure Checking) or an Express Debit Account and Direct Deposit greater than $600 per month.

That's it! No more keeping track of points or trying to figure out how to reach Diamond Level.

Secure Checking

Our Secure Checking accounts will now have 2 options to choose from; Extra Mile Checking with 6% APY and Express Debit with 4% Cash Back. Both accounts will still have all of the benefits such as Identity Theft Protection & Resolution, Credit File Monitoring, Cell Phone Protection, etc. Plus, we've added Roadside Assistance, Telehealth, and Fuel Savings. Effective September 3, all current Secure Checking accounts will be called Extra Mile Checking accounts, which still offer the 6% APY. Members can choose to switch to the Express Debit Account, which offers 4% Cash Back on debit card purchases up to $10/month. The fee for each of these types of Secure Checking accounts will increase to $6.95/month. See details below.

Service Charge Schedule

As a not-for-profit credit union, Route 31 isn't looking to make a profit. Instead, we give back to our members in the form of lower service charges, competitive loan rates and better rates on our deposit accounts. Most services are offered as no-cost benefits to members. Select services do incur a service charge to cover the cost of providing the service. Many of these fees can be avoided.

Changes to our Service Charge Schedule will take effect September 1. Several service charges have been removed such as the check cashing fee, low balance fee, and phone transfer fee. Some were reduced such as stop payment and returned item fee. Other service charges were added or increased such as reopening membership within 1 year of closing, check cashing fee for nonmember, cash advance fee in the lobby, paper statement fee, cashiers checks, inactive account, IRA closing transfer fee, and skip-a-pay for loans. Click the link below for our new Service Charge Schedule.

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If you have any questions, please stop by or call 231.726.4871.