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Who is eligible to
join Clearstar Financial Credit Union?
All persons who live, work,
worship, volunteer or attend school in or
businesses and other legal entities located
in the 13 Northern Nevada counties are
eligible to take advantage of the benefits
of Clearstar Financial Credit Union.
The thirteen Northern Nevada counties
that we serve are: Washoe, Storey, Lyon,
Carson City, Elko, Pershing, Douglas,
Mineral, Humboldt, Eureka, Churchill, Lander
& White Pine.
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| Why should you
join Clearstar Financial Credit Union? |
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Membership with Clearstar Financial
Credit Union is an added benefit for you and your
family. Members of Clearstar Financial
Credit Union have the opportunity to take advantage
of the variety of convenient services and
competitive products we offer, including
competitive loans, savings and checking
accounts, home equity loans, nationwide ATM
access, and much more!
Benefits of Clearstar Financial Credit
Union:
- Credit Unions are owned by the
members, not stockholders like banks.
- Credit Unions are not-for-profit
institutions, so their “profit” is
directed back to members, who typically enjoy:
- Lower interest rates on loans
- Higher divided rates on your
savings accounts
- Lower fees for a variety of
financial services
- And let’s not forget the
friendly, knowledgeable staff
- And there’s another big benefit of
being a credit union member/owner. No
matter how small your loan or savings
amount, you have an equal voice in how
your credit union is run, and by whom.
Clearstar Financial Credit Union truly cares
about and responds to our members’
individual needs. We clearly recognize the
value of each member and always strive to
serve our members in a personal,
professional, and courteous manner.
Clearstar Financial Credit Union operates as a
financial cooperative that serves its
members by providing competitive, convenient
financial products. “Throughout our history,
our purpose and priorities have remained the
same,” says CEO Ritch Van Duzer.
“Satisfaction of our members’ needs is the
driving force. We now serve more than 20,000
individuals with an array of services our
founders never dreamed would exist.”
To join the credit union, a qualifying
individual must open and maintain a “share”
savings account and pay a one-time
membership fee. That basic account entitles
members to apply for checking accounts and
low-interest loans, purchase time
certificates and take advantage of other
financial services.
With few exceptions, a membership affords
individuals the same services available
through a traditional banking institution.
Unlike a bank, however, Clearstar Financial
Credit Union does not cultivate commercial
lending relationships, and all policy is
formulated by a volunteer board of directors
elected from the membership, rather than an
exclusive group of stockholders.
Additionally, all members become
stockholders/owners and share in the profits
as well as the expenses of the organization.
After the credit union meets annual
operating costs, profit is returned to
members in the form of dividends and
contributions to reserves that enable the
credit union to offer new products and
services.
Clearstar Financial Credit Union is looking
forward to serving the financial needs of
your entire family.
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