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On this home page, we'll introduce our benefits and highlight important areas on our site. Look for this site to grow.

Membership is open to all employees of Carus Corporation and their spouse and children and Grandchildren (immediate family members). Once a member, always a member. If a member is no longer working for Carus Corp. they can remain a member of the credit union as long as they keep $5.00 in their account.
We are a small credit union. We offer payroll deduction, a share (savings) account, IRA accounts and Christmas Club accounts. After 6 months of membership, we can accept loan applications from members.
We pay dividend of 4% on Share Accounts. The dividends accrue daily and are added to accounts on June 30 and December 31. Christmas Clubs accrue dividends daily and dividends are added on October 31. The Christmas Club checks are issued early in November. If funds are withdrawn from a Christmas Club before October 31, the dividend on the amount withdrawn is not given.
We offer loans with a signature limit up to $3,000.00.  There is a $25,000.00 maximum amount that we can loan to any one member.  Anything over $3,000.00 would need to be secured with a co-maker or car-title.  (Loans with a co-maker can only be up to $6,000.00).  All loans are insured.  In event of death the loan is paid in full by the insurance company.  Also disability insurance is available, at a small fee.
When loans are applied for, a credit check is done for each applicant.  The applicant, along with any co-maker must be gainfully employed and must have the ability to repay.  No checks for loans will be given until all papers are signed.  We have a credit committee which reviews each loan.  They then decide whether to grant or deny the loan.
The credit union office is in my home at 1811 Sterling St., La Salle, IL 61301, and is open from 2:00pm until 6:00pm.  Because I do not strictly adhere to these hours members should feel free to call me after 6:00pm and on Saturdays and Sundays.  If I'm home, I'll do business.
When members need to make withdrawals from their accounts, they can call or write me and I will put a check in the mail.  A statement is mailed to each member after each quarter. (March, June, September and December).  If there are questions, please feel free to email or call me.
Ginny Kochanowski, Treasurer/Manager

Last Updated: Sunday September 09, 2001
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