Corporate Profile


Kelco Federal Credit Union was chartered in 1955 as the Credit Union for the Kelly Springfield Tire Company in Cumberland, Maryland. Although Kelly Springfield Tire Company has moved, Kelco Federal Credit Union continues to serve former Kelly Springfield employees in the Tri-State area and has also solicited SEG's-(Selected Employee Groups) as a means of increasing membership. These SEG groups are located primarily in the Tri-State area. Kelco Federal Credit Union is an open Credit Union.

To obtain more information on accounts, services and membership at Kelco Federal Credit Union, call us at 301-777-8100 or fax us at 301-777-2879. We can meet your financial needs today and tomorrow through tailoring products to fit your financial needs.



Kelco Federal Credit Union
321 Greene Street
Cumberland, MD 21502
301-777-8100
kelcoops@atlanticbbn.net
or
kelco@atlanticbbn.net

2014 Holidays - April thru November. Good Friday - April 18th, Memorial Day - May 26th, Independence Day - July 4th, Labor Day - September 1st, Columbus Day - October 13th, Veteran's Day - November 10th, Thanksgiving Day - November 27th.

 
Product ServicesProduct & Services
  • Savings Accounts and Certificates of Deposit
  • Personal Loans
  • Checking Accounts
  • Auto Loans
  • Mortgage Loans
  • Christmas Clubs
  • FHA Loans
  • IRA Accounts
  • Home Improvement Loans
  • Credit Cards
  • Hour Home Banking
  • MasterMoney Debit Cards
 
 
Black ArrowNews and Events
>In this Issue . . .
  • Important Information About Your Debit Card
  • Home Banking, New WEB Site, "E-Statements", Credit Cards, Checking Accounts, Privacy Notice, Night Deposit, New Products and Services - Courtesy Pay, Bill-Pay, Moble Banking. Holiday Loan Special, Christmas Skip-a-Payment.
  • Credit Card Information
  • Business Hours, Mailing Address, E-Mail Address

Home Banking "E-Statements", Credit Cards, Checking Accounts, Fees, Disposition of funds for Christmas Club Accounts, General Information

  • DEBIT CARD USE - Because of DEBIT CARD FRAUD, we can no longer provide our members with the capability of using Debit Cards outside of the United States. Additionally, if you are using your Debit Card to make purchases over the internet, please review your Checking Account Balance on a daily basis. By reviewing your Checking Account Balance on a daily basis, you can help find fraudulent transactions quicker because you know what you purchased and where from. This will also aid in the prevention of future fraudulent transactions.
  • Home Banking - THE HOME BANKING (internet banking) product is FREE to all our members who sign up at Kelco FCU for their use. Home Banking can not be accessed without signing up at Kelco FCU. There is a new WEB Site for Kelco FCU where news can be found without getting into Home Banking. The address for the new WEB Site is "www.kelcofcu.org". PLEASE REVIEW THE "NEWS" SECTION IN HOME BANKING TO GET THE LATEST INFORMATION AT KELCO FCU. RATES ARE FOUND ON THE RATE PAGE. ADDITIONALLY, KELCO FCU WILL NO LONGER BE PROVIDING QUARTERLY STATEMENTS TO MEMBERS HAVING HOME BANKING. THESE STATEMENTS ARE NOW BEING PROVIDED AS "E" STATEMENTS. TO OBTAIN YOUR STATEMENT, YOU MUST DOWNLOAD THEM OFF THE HOME BANKING SITE. THERE IS AN ICON ON THE HOME PAGE PROVIDING INSTRUCTIONS ON HOW TO OBTAIN YOUR "E" STATEMENT.
  • Are you neglecting to take advantage of one of our best services? Did you know that a Kelco FCU checking account requires "NO MINIMUM BALANCE"? Direct Deposit and Debit Cards are available. IF YOU LOSE YOUR DEBIT CARD OR IT IS STOLEN ON A WEEKEND, PLEASE CALL 800-523-4175. As a result of a change to federal law, you may not get a receipt every time you use your ATM/Debit card. Federal law generally requires a receipt to be made available for these electronic fund transfers. However, the law provides an exception for transactions of $15.00 or less. For transactions over $15.00, federal law continues to require that a receipt be made available. You can also have your loan payments automatically deducted from your checking account! If you are currently using another financial institution for your checking account, we are certain you will find the FEES AT KELCO FCU to be very competitive, if not SIGNIFICANTLY LESS than what you may be paying now. We keep our fees low because we do not consider fees as a means of credit union income. We charge only what we need to compensate for the service to our members. The next time you are at Kelco FCU, ask for a copy of our deposit related fees. You will find that these fees are very minimal! Kelco FCU also offers Checking Accounts and Savings Accounts with Debit Cards to young people under the age of eighteen years. There are stipulations such as a requirement to have at least one adult on the checking account due to legal and regulatory issues. For more information, speak to any Kelco FCU employee.
  • NOTICE OF YOUR RIGHT TO PRIVACY We, our, and us, when used in this notice, mean Kelco Federal Credit Union. This is our privacy notice for our members. When we use the words "you" and "your" we mean the following types of members: Our consumer members who have a continuing relationship by purchasing or holding financial products or services such as a: Share Account, Loan Account or Credit Card Account. We will tell you the sources of information we collect about you. We will tell you what measures we take to secure that information. We must first define some terms. Non-public personal information means information about you that we collect in connection with providing a financial product or service to you. Non-public personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean non-public personal information as defined in this section. An affiliate is a company we own or control. A non-affiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as non-affiliated third party, or simply, an "other party". We collect information about you from the following sources: Information you give us on applications or other forms, information about your transactions with us, information about your transactions with other parties and information from a consumer reporting agency. We do not disclose any information about you to anyone, except as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions. We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information. We do not disclose about former members, except as permitted by law.


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Did you Know

  • Your family members are eligible for membership at Kelco Federal Credit Union. As a member of Kelco Federal Credit Union, you can pass on the benefits of membership to anyone in your family.

    Check with your relatives today. If they are paying high fees for their accounts and services at other financial institutions, tell them about the benefits you enjoy as a member of our Credit Union.


Credit Card Information

  • If you plan on using your CREDIT CARD IN A FOREIGN COUNTRY, please NOTIFY KELCO FCU several weeks in advance so that Kelco FCU can make the appropriate changes allowing you to use your credit card in that particular foreign country. ADDITIONALLY, RETAILERS CAN NOW CHARGE A "CHECK-OUT" FEE for any purchases made with any credit card. It is the responsibility of the retailer to disclose this fee. Remember, YOU CAN PAY YOUR MONTHLY CREDIT CARD INVOICE AT KELCO FCU. Any Kelco FCU Teller will accept your credit card payment. If you lose your credit card or your credit card is stolen, please call 1-800-523-7728 immediately.

Save Time

  • WE ALSO HAVE A NIGHT DEPOSITORY AVAILABLE TO YOU AT ANY TIME AND IT IS BURGLAR PROOF! THE NIGHT DEPOSITORY DROP ENTRY IS LOCATED ON THE OUTSIDE WALL TO THE RIGHT OF THE FRONT DOOR AND IS "MARKED" NIGHT DEPOSITORY. ALL CONTENTS ARE PROCESSED EACH BUSINESS DAY!

    • NEW PRODUCTS AND SERVICES - COURTESY PAY is a financial product that works for you and is a benefit to you. Kelco FCU mailed information to all our members regarding Courtesy Pay October 2013. If you did not receive this information, please let us know and we will mail the "Opt-In/Opt Out form to you. Please return the form to Kelco FCU as soon as possible. You can enroll your Debit Card in this program also but you must come to Kelco FCU and complete the "Opt-In" form. Let us know if you have any questions regarding this financial product. If you obtain your monthly statement through "E" Statement on the Home Banking site, please call Kelco FCU and advise us so that you do not receive a mailed monthly statement. Kelco FCU now has a "PUBLIC" Web Page which provides information regarding Kelco FCU and financial products offered by Kelco FCU. The WEB address is www.kelcofcu.org. Additionally, Kelco FCU now offers Mobile Banking. You can down loan the Phone App thru yur I-Phone or by using your "home computer". Remember, you must be signed up for Home Banking and using the Home Banking product in order to use the Mobile Banking product. AND, your phone must be able to access the internet. Kelco FCU has a listing of the phone models that can be used in conjunction with Mobile Banking. Please call us with any questions you may have regarding your phone in conjunction with Home Banking. Bill-Pay is also available to all members having the Home Banking product. Let us know if you are interested and we can set up this financial product for you as well. On-Line Loan applications will be available in the near future. Kelco FCU continues to add new financial products which will benefit our members.

    • Christmas Club information - Christmas Club account funds will be transferred to Saving Account effective October 1, 2013. Additionally, Kelco FCU will once again be offering the Christmas Skip-A-Payment for 2013. The forms were mailed October 22, 2013. Please follow the instructions when completing the form. Kelco FCU is also offering a Holiday Loan Special with an APR of 3.50%, 18 Month maximum repayment term, and loan amounts from $500.00 to $2,000.00.

    • If there are any Kelco FCU members who are having financial difficulties, please feel free to contact Kevin, John or Bill before contemplating bankruptcy. We maybe able to help you save your credit.

    • Dispostion of Christmas Club Funds - Christmas Club Accounts are payable in October. Members having Christmas Club Accounts will have their Christmas Club funds deposited directly into their Share Account (Savings Account). There will no longer be checks mailed.

    • Daily hours are Monday through Friday - 9:00 to 4:30. All open hours include lobby and drive thru.





 
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