With Sperry Marine Federal Credit Union's Online Banking you can access your accounts 24 hours a day, 7 days a week, 365 days a year.

	FREE Online Banking	Login   |  Enroll Now  |  Login Instructions
	FREE Statement eDelivery	Login   |  Enroll Now  |  More Information
	FREE Online Bill Pay	Login

Our savings options are designed to match your savings goals.  All share accounts are federally insured by the National Credit Union Administration (NCUA), a federal agency, up to $100,000.
Learn more about Share Insurance

	Main Share - Quarterly Dividends for all savings accounts
	IRAs - Individual Retirement Accounts
	CDs - Certificate of Deposit (Several terms available)
	Christmas Club
	Vacation Clubs...and more!

Members are amazed at the superb checking services we offer with features that cost you little or nothing at all!  Here are some of the features you will get with SMFCU:

	No minimum balance requirement
	No per check charges
	Earn interest with a low minimum balance of $100.
	No monthly service or statement fees
	Overdraft protection available
	24 hour ATM access to your account
	VISA Debit Cards
	First order of checks FREE
	FREE Online Banking

Unbeatable values are what you get with our VISA's cost effective features.

	11.90% APR on purchases and cash advances
	No annual fee
	25-day grace period
	Transfer balance options
	Make payments at our office locations or by mail
	Worldwide acceptance
	Loss / Theft Protection

Put our electronic services to work for you!  With Direct Deposit, regular payroll, Social Security, or retirement checks are automatically deposited to your account-safely and dependably.  Payroll deduction allows a portion of your check to be deposited to your savings or loan payments.  Avoid waiting in long lines and unnecessary paperwork by taking advantage of these great services!

Our ATM Service is a combination of easy account access and convenience.  This is a service you'll definitely want to take advantage of.

	FREE access to many local and nationwide ATMs with CuHere Logo
	Available 24 hours a day, 7 days a week

Use your touch-tone telephone to access account information.  This can be done from the convenience of your own home any time of the day any day of the week.  Simply dial the Credit Union Connection number (434) 974-7191 and choose from the several options including:

	Balance Inquiries
	Transfer of funds between accounts
	Savings withdrawals (by credit union check)
	Loan Payments
	Check (number) verifications
	Account histories including deposits

Most of our services are offered with few or no fees.

	American Express Traveler's Cheques
	Notary Public Service
	Money Orders
	Wire Transfers
	NADA Used Car Books

Visit the Mortgage WebCenter today to find more information about the mortgage services we offer.