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Aldron Internationale Credit Union (Open For Business)

A meeting place where national storefronts can tout their wares and discuss trade. [In character]
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Crystal Spires
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Aldron Internationale Credit Union (Open For Business)

Postby Crystal Spires » Sun Aug 26, 2012 1:34 pm



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What is a Spirean Credit Union?


A Spirean credit union is a non-profit, cooperative financial institution owned and operated by its members. Organized to serve and democratically controlled, credit unions provide their members with a safe place to save and borrow at reasonable rates. Credit unions differ from banks and other for-profit financial institutions in that members of a credit union are also owners. The board of directors are elected in a democratic one person-one vote system regardless of the amount of money invested in the credit union. Not for profit, not for charity, but for service is a Spirean union motto. Since profit is not a motivation, interest rates have been historically favorable for consumers at credit unions compared to banks.

Originating in Crystal Spires, the credit union history began there when the first credit union was formed in Anherc, Luminas in 1909. Today, over 9,000 credit unions with over $500 billion in assets serve the Spirean people in Mystria. More and more people join credit unions every year and they are pleased with the service given and the level of personal involvement. Credit unions have rated No. 1 in customer satisfaction at financial institutions for more than 10 years according to the Spirean Press's annual customer satisfaction survey. Aldron Internationale has a Subsidary Credit Union affilated only through legal ownership and potentially credit backing (ie the parent is the garanteur of the local credit union) and is best for retail consumers, small and medium enterprises, and startups.

Credit Union Membership


To join a credit union, you must be eligible for membership. Each institution decides who it will serve. Most credit unions are organized to serve people in a particular community, group or groups of employees, or members of an organization or association. If you are a relative of a credit union member, you are also eligible to join. Low-income designated credit unions are a unique form of credit union. They serve primarily low-income members in distressed and financially under-served areas. In the past few days Spires has emphasized the benefits these institutions provide to the many people who are often unserved by traditional banking institutions. Spires also manages a Revolving Loan Fund and provides technical assistance grants to low-income designated credit unions.Corporate credit unions are another form of credit union. While they don't serve people, they play a vital role in the system by acting as a credit union for credit unions. The 32 federally insured corporate credit unions across the country provide investment, liquidity, and payment services for their member credit unions. Credit Unions, in Crystal Spires, are usually closed on Federal Holidays. Check with your credit union to see if they are closed on any additional days.

Credit Union Rates Compared With Bank Interest Rates


Credit unions often offer competitive rates on everything from savings accounts, auto and home loans, and credit cards in part because they are non-profit agencies and have no taxes to pay and not publicly traded corporations. This way they can pay their members above-average rates on deposits and charge below-average rates on loans and credit cards. On average consumers find the best interest rates at credit unions compared to banks.

Are Credit Unions Insured?


Although credit unions generally pay higher rates on savings accounts and other types of investments than other financial institutions do, those higher rates don't translate into higher risk. That's because each account is insured for up to $250,000 by the National Credit Union Share Insurance Fund, the government's equivalent for credit unions of the FDIC. Some credit unions are insured by ASI. Check with your credit union to find out about your level of insurance protection.

The Best Credit Unions


People often ask what is the "best credit union" in my area. There is no single answer to what is the best credit union for every person. While trying to find the best credit union might seem like a good way to start, the better way to find a credit union in your local area to join is to find which credit union provides the services that you need, has Crystal Spires offers services and locations to those who request it near where one lives and works, and has lobby and drive-up hours that fit around your schedule - not to mention a credit union that you are eligible to join. Many credit unions are now community-based, so you may be able to walk into any credit union in your town and join, so ask yourself which one offers what you need.
Last edited by Crystal Spires on Sun Aug 26, 2012 6:52 pm, edited 3 times in total.
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Crystal Spires
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Postby Crystal Spires » Sun Aug 26, 2012 1:34 pm

Aldron Internationale Credit Union News


Stocks
Aldron 13,157.97 +100.51 +0.77%
Phoenix 3,069.79 +16.39 +0.54%

Yohannesische 1,411.13 -9.05 -0.65%

Bonds & Currencies
10 Year Yield 1.68% +0.01 --
1 NSD $1.2512 0.0000 0.0036


Commodities
Oil $97.17 +1.02 +1.06%
Gold $1,676.80 +3.90 +0.23%

08/26 9:03:30pm ET


Agricultural Businesses Need Credit Union Funding Now
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As the strikes continues to cause a good portion of Spires's produce to inflate in price,
farmers and agricultural businesses need funding and financial assistance now more than
ever.The afflicted farms have continued to uphold their stand so as to accrue government
support for stronger defenses against the predator in the red zones. As a result the High Council...See full article >



Gholgoth Bubble Popped
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As the embargo rages into full blown war, several businesses have gone belly up with the financial readjustment by the Yohannesische Bundesbank Investments and Securities Bubble. The Spirean First National Bank has offered to open financial cooperation while Yohannes is shutting down all of its businesses, stoking fears of a global recession. Many economies across the world are said to be directly or indirectly tied to Yohannes and their many institutions, most notably the Yohannesische Bundesbank and Spirean financial consultants are calling market fears "Overblown" .

On the stock market, plunge protection teams are standing by to inject cash into the market in order to temporarily keep it afloat should the need arise. It is also being reported that The General Social Republic of Questers and the Beastling States are preparing to buy up stocks in Yohannesian companies to bolster them against losses, and other nations are rumored to be preparing similar measures...See full article >
Last edited by Reploid Productions on Thu Sep 01, 2016 12:06 pm, edited 2 times in total.
Reason: Flagcounter spam removed
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Crystal Spires
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Postby Crystal Spires » Sun Aug 26, 2012 1:35 pm

Finding or Opening a Credit Union Near You


As is the Spirean policy of non-interference in other states' affairs, non-aggression, peaceful coexistence, equal respect and mutual benefit; Crystal Spires also adopts the foreign policy driven by the ideological concept of "harmony without uniformity", which encourages diplomatic relations between states despite ideological differences. This means that in each jurisdiction, opening a credit union will allow them to operate under a new, fully owned structure legally incorporated within that domain. This means that opening up a credit union requires one to fill out local forms to operate in a new jurisdiction. To be setup in a country requires all rules and regulatory forms of the nation regarding establishing a bank to be filled out, and local laws on retail and investment banking must be respected. There is also customs and securities in economically unstable countries by offering savings in commodities or foreign currency which hold their value. This allows for economic security of customers so purchased of Bullion in Gold and Silver are protected, but vary by the local laws in the branches requested.

Like other financial institutions, credit unions offer a complete range of financial products and services. Unlike the others, credit unions are not-for-profit and cooperative—owned by their “members” (customers). So when you join a credit union, you own a piece of it. You get a vote and a say in how it’s run. Because credit unions don’t exist to make a profit, their number one concern is not money. It’s people—the people who own them. Practically, that translates into great rates, low fees…and exceptional service. Credit union eligibility is determined through an established "common bond." That common bond could be where you live, work, worship or go to school, just to mention a few. Each credit union’s common bond is different.


Form For Opening a Local Branch
Code: Select all
[b]Acquired National Registration Forms(National Demonym):[/b]
[b]Location of Operation's Base and Branch[/b]
[b]Size of Operations Space and Head Quarters:[/b]
[b]Size of customer base:[/b]
[b]Local Base Interest Rate:[/b]
[b]Type of Services Provided:[/b]
[X]Main Share Savings (Required)
[ ]Basic Checking
[ ]Performance Checking* (* Requires Direct Deposit)
[ ]Money Market Savings  Club: Holiday [ ] Vacation [ ]
[ ]VISA and ATM Credit and Debit Card services  FOR:  Primary Members [ ] Joint Members [ ]
[b]Initial Captial Investiments:[/b]
[b]Do you want us to invest the money locally?[/b]
 Yes[ ] No[ ]

[b]It is legally permitted to invest in Bullion or Foreign Currencies in your branch?[/b]
 Yes[ ] No[ ]

[b]Local advertising firms:[/b]
[b]Possible competition:[/b]


Services Provided


Personal Checkings and Savings Accounts

Credit unions offer savings and checking accounts as well as individual retirement accounts and term-savings certificates. Interest-bearing accounts generally may have higher rates of return than those of similar accounts in other financial institutions. Many also offer no-surcharge automatic teller machines (ATMs). Deposits may be guaranteed up to $250,000 ($250,000 for retirement accounts) by the National Credit Union Share Insurance Fund or by private insurers.

Insurance and investment

While insurance and investments are not credit union products or services, nor are such products guaranteed by the credit union's deposit insurance, many credit unions have representatives of insurance and securities companies available to assist members in making purchases of insurance products and securities like stocks, bonds, and mutual funds.


Financial Counseling

For those who take the risk into investments, our credit unions offer free financial counseling services, including a complete analysis of your credit situation and advice on avoiding foreclosure, if necessary. Credit union counselors--or a free third-party counseling agency provided by the credit union--can help you understand your credit report, correct inaccurate information and advise you about various debt and money management strategies. Many credit unions also help people rebuild their credit by offering secured credit cards. Cash in your credit union deposit account is used as collateral, making credit approval much easier than on other credit cards.

Automotive Shopping

As lenders on automobile purchases, some credit unions offer broad online tools for shopping for cars. Car dealers participating in the program make their inventory available through the credit union's website, and nearly the entire process of purchasing the vehicle can be done online, including credit approval through the credit union. Other information is also available, including trade-in values and vehicle history checks.

Online Banking

Online banking is available from most credit unions. The service, which is usually free, allows credit union members to check balances, transfer money, apply for loans, check the status of a loan application and more.

Mortgage Loans
Some larger credit unions offer home equity loans and home mortgages and tout lower down payments than those required by conventional lenders.

Money Trading and Bullion Purchasing
Buying or selling rare currency or precious metals is a big decision. Whether you are buying or selling to us, our staff is here to answer any questions you might have. Our customers are the most important part of our business and we make every effort to ensure you are 100% satisfied with your experience.

Form For Purchasing Bullion
Code: Select all
[b]Official Demonym:[/b]
[b]Type of Bullion Purchased:[/b]
[b]Name of Company(or State):[/b]
[b]Amount of Ingots Desired:[/b]
[b]Will it be stored in our vaults?[/b]
[b]Total Cost:[/b]


Form For Purchasing Foreign Currency
Code: Select all
[b]Official Demonym:[/b]
[b]Type of Currency Purchased:[/b]
[b]Name of Company(or State):[/b]
[b]Amount of Currency Desired:[/b]
[b]Total Cost:[/b]


Form For Selling Foreign Currency
Code: Select all
[b]Official Demonym:[/b]
[b]Type of Currency:[/b]
[b]Nation State:[/b]
[b]Value in NSD (trackers):[/b]


Form For Opening a Personal Account
Code: Select all
[b]Official Name on Record:[/b]
[b]Official Country of Origin:[/b]
[b]Type of Account:[/b]
[ ] Savings Account
[ ] Checking account
[ ] Trust Fund
[ ] Retirement Fund
[ ]Money Market Deposit Accounts (MMDAs)
[ ] Certificates of Deposit (CDs)
[ ] Other: (Specify)
 
[b]Initial deposit:[/b]
[b]Is your Income regular?[/b]
[b]Where do you work and what type of work do you do?[/b]


Form For Insuring Assets
Code: Select all
[b]Official name of business:[/b]
[b]Business representative:[/b]
[b]Credit Score:[/b]
[b]International or domestic business:[/b]
[b]Specific description of asset to be insured:[/b]


Form For a Loan
Code: Select all
[b]Official name of business:[/b]
[b]Business representative:[/b]
[b]Credit Score:[/b]
[b]Type of Loan[/b]


Finding a Branch Near You


Main Local Branches:
Caltris, Crystal Spires
Ratilva, Cantalvia
Greater Muffington, Muffinvania
Flankfurt am Mane, Greater Pony Herd
Kurton,Kouralia
Manzanopolis Prime, YellowApple
Snowpoint City (Harmonia), Garmoniya (Ferranus), Empyrean (Amiciterra), Haybale Plateau (Timberland), and New Haven (Snow Plains) Lykosia
Las Canterlot, Legokiller
Intramuros/Manila, Metro Manila, Royale Philippines
Capital City of Kartolandia
Vinyatirion, Silharthad, Sirasgar, Silivren, Meriliaun, &c Menelmacar
Last edited by Crystal Spires on Wed Jan 16, 2013 4:20 am, edited 11 times in total.
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Crystal Spires
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Civil Rights Lovefest

Postby Crystal Spires » Sun Aug 26, 2012 1:35 pm

Calculators for your Finances


Whether you need a loan or are saving for the future, we have a financial calculator to assist you. Use Credit Unions Online financial calculators to see how much a mortgage payment might be, how much car you can afford, plan for retirement, or even find out how long it will take to payoff your credit card.

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Auto Loan Calculators

Auto Loan Calculators
- How much will my car payment be?

Auto Payoff Calculator
- How long until my auto loan is paid off?

Reverse Auto Loan Calculator
- How much can I afford to finance on my new car or truck?
Credit Card Calculators

Credit Card Payoff Calculator
- How long to payoff a balance on my credit card?
Mortgage Loan Calculators

Mortgage Loan Calculators
- How much will my mortgage payment be?

Mortgage Loan Refinance Calculator
- How much will my new mortgage payment be?

Mortgage Amortization Calculator
- How much of my mortgage payment is
going towards principal?




Other Loan Calculators

Loan Calculator
- A basic loan calculator for just about any type of loan.

Amortization Loan Calculator
- How much of my loan payment is going towards principal?

Savings Calculator
- How much will I have saved over time?

College Savings Calculator
- How much do I need to save to go to college?

Retirement Calculator
- How much do I need to save monthly to reach my retirement goal?

Share Certificate Calculator
- How much will my share certificate (CD) be worth over time?
Last edited by Crystal Spires on Sun Aug 26, 2012 6:41 pm, edited 1 time in total.
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Crystal Spires
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Postby Crystal Spires » Sun Aug 26, 2012 1:36 pm

Credit Union Rates


Coming Summer 2012!

Credit Unions Online is launching the Credit Union Rate Trend Index in Summer 2012 for credit unions of all sizes from all nationstates to include interest rates for Share Savings Accounts, Share Certificates, Credit Cards, Auto Loans, and Mortgage Interest Rates. There is no cost to credit unions to be included in Credit Union Rate Trend Index.

Caltris Credit Union Rate 3.2%
Last edited by Crystal Spires on Sun Aug 26, 2012 6:48 pm, edited 1 time in total.
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Crystal Spires
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Postby Crystal Spires » Sun Aug 26, 2012 1:36 pm

Jobs and Hiring for Aldron Internationale


If you’re interested in banking but would also like to serve your fellow citizens in the not-for-profit world of finance, a credit union career could be the perfect match for you. That’s because credit unions are member-owned cooperatives.

Credit union employment opportunities are available at all levels. Some common credit union job titles are tellers, who work with members making basic transactions, like deposits; member service representatives, who handle loans and other more in-depth services; and branch managers, who are responsible for supervising all employees at the credit union location. Jobs at credit unions are also available in corporate offices in marketing, collections and information technology. Here are some things you should know before you apply:

1. Employment at credit unions is not the same as work with publicly traded companies. If you're hoping to get a job that offers you stock options, it's best to search elsewhere.

2. Salaries for credit union job opportunities are good but not astronomic. This goes back to the not-for-profit aspect of credit unions.

3. The majority of credit unions are small. This can make for little room to advance in your credit union career, but can also provide a better work environment.
Last edited by Crystal Spires on Sun Aug 26, 2012 6:50 pm, edited 1 time in total.
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ViZion
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Postby ViZion » Sun Aug 26, 2012 2:40 pm

OOC: haha you beat me to the credit union idea, I was going to get mine up today. :-p
The Constitutional Federal Republic of ViZion

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Crystal Spires
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Postby Crystal Spires » Sun Aug 26, 2012 3:03 pm

ViZion wrote:OOC: haha you beat me to the credit union idea, I was going to get mine up today. :-p


Heh heh heh <3 I intend to have it working sometime today!
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Crystal Spires
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Postby Crystal Spires » Sun Aug 26, 2012 7:12 pm

Image


To Honored Nations Throughout the NS World,

Joy and Salutations to you. We of Aldron Internationale are reaching out to you in these difficult times in the interest of forming an economic partnership. Aware of the events surrounding Gholgoth forcing shutdown of international operations, we open the door to that which makes credit unions different from banks. We value our customers and our people first and foremost, rather than the love of money and we would like to work with you on providing a joint program accessible to current and potential customers overseas.The Spirean government is willing to open a program where we will help those ailing from market losses and in return we allow former customers of Yohannesische Bundesbank to open an account with Aldron Internationale Bank & Finance Cash Reserve networks during this tragedy and will guarantee $250,000 of secured investments. Should you accept to join us, we will allow our customers to be able to restore international market confidence to offset affects of the recession.


Thank you for your time and consideration, may the wind bring you fair weather.

Image

Chief Executive Officer, Aldron Internationale Bank & Finances
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Cantalvia
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Founded: Aug 15, 2011
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Postby Cantalvia » Mon Aug 27, 2012 2:21 pm

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The Mostly Sublime Republic of Cantalvia


TO: Mr. Vane Morrison, Minister of Economic Affairs
Encryption: MEDIUM

Acquired National Registration Forms(National Demonym): Cantalviani
Location of Operation's Base and Branch Ratilva, Cantalvia
Size of Operations Space and Head Quarters: Large office building
Size of customer base:7 million
Local Base Interest Rate: 3.1%
Type of Services Provided:
[X]Main Share Savings (Required)
[X ]Basic Checking
[X]Performance Checking* (* Requires Direct Deposit)
[ ]Money Market Savings Club: Holiday [ ] Vacation [ ]
[X ]VISA and ATM Credit and Debit Card services FOR: Primary Members [X] Joint Members [ ]
Initial Captial Investiments: H$4 Billion
Do you want us to invest the money locally?
Yes[x] No[ ]

It is legally permitted to invest in Bullion or Foreign Currencies in your branch?
Yes[X ] No[ ]

Local advertising firms: VanIsac Productions, Hammerstone Group
Possible competition: First Cantalvia Savings and Loan, Olderburg Trust

Please find enclosed one(1) application to opening a branch of Aldron Internationale.

Image
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Muffinvania
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Posts: 1873
Founded: Oct 07, 2011
Ex-Nation

Postby Muffinvania » Mon Aug 27, 2012 2:32 pm

Image

The Eternal Grand Duchy of Muffinvania


Acquired National Registration Forms(National Demonym):Muffinvanian
Location of Operation's Base and Branch: Greater Muffington, Muffinvania
Size of Operations Space and Head Quarters:Large office building
Size of customer base: 35 Million
Local Base Interest Rate:3.2%
Type of Services Provided:
[X]Main Share Savings (Required)
[X ]Basic Checking
[X ]Performance Checking* (* Requires Direct Deposit)
[ X]Money Market Savings Club: Holiday [ ] Vacation [X ]
[X ]VISA and ATM Credit and Debit Card services FOR: Primary Members [X ] Joint Members [ ]
Initial Captial Investiments: $NSD10.5 Billion
Do you want us to invest the money locally?
Yes[X ] No[ ]

It is legally permitted to invest in Bullion or Foreign Currencies in your branch?
Yes[X ] No[ ]

Local advertising firms: StarryEyed Media, PresentationPLUS ltd.
Possible competition:The Royal Bank of Muffinvania, Muffinvania Mutual, First Muffin Bank of Muffinvania

To Mr. Morrison please find the application for a Muffinvanian branch of your fine bank, I look forward to doing more business with you in the future.

Love and Kisses <3,

Image


Image
Last edited by Muffinvania on Mon Aug 27, 2012 2:32 pm, edited 1 time in total.
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Urmanian
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Posts: 8899
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Ex-Nation

Postby Urmanian » Wed Aug 29, 2012 4:34 am

Image
Image
To: Aldron Internationale Credit Union
From: Rolling Dough, the Minister of Finance of the G.P.H.
Topic: Local branch opening request


Acquired National Registration Forms(National Demonym): Herdite
Location of Operation's Base and Branch Flankfurt am Mane, GPH
Size of Operations Space and Head Quarters: A considerable office space in a 100-story business center
Size of customer base: 8 million
Local Base Interest Rate: 1.5%
Type of Services Provided:
[X]Main Share Savings (Required)
[X]Basic Checking
[X]Performance Checking
[X]Money Market Savings Club: Holiday [X] Vacation [X]
[X]VISA and ATM Credit and Debit Card services FOR: Primary Members [X] Joint Members [X]
Initial Captial Investiments: 10 billion Interbits/20 billion NSD
Do you want us to invest the money locally?
Yes[ ] No[ ] We can't regulate that [X]

It is legally permitted to invest in Bullion or Foreign Currencies in your branch?
Yes[X] No[ ]

Local advertising firms: AdVent Group, Rainbow Communications, (other...)
Possible competition: Phoenix Financial, Globus Banking, (other...)



Signed,
Rolling Dough,
Image

the Minister of Finance of the G.P.H.
Last edited by Urmanian on Wed Aug 29, 2012 4:40 am, edited 5 times in total.

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Kouralia
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Posts: 15063
Founded: Oct 30, 2011
Democratic Socialists

Postby Kouralia » Wed Aug 29, 2012 5:02 am

Image
An official Communique of the Foreign Ministry of the Royal Union of Kouralia.
To copy this without the express permission of the Kouralian Government is to commit a class three Treason.


Acquired National Registration Forms(National Demonym): Kouralian
Location of Operation's Base and Branch Kurton
Size of Operations Space and Head Quarters: 500sqft?
Size of customer base: Unknown at this current time.
Local Base Interest Rate: 0.6%
Type of Services Provided:
[X]Main Share Savings (Required)
[X]Basic Checking
[X]Performance Checking* (* Requires Direct Deposit)
[X]Money Market Savings Club: Holiday [X] Vacation [ ]
[X]VISA and ATM Credit and Debit Card services FOR: Primary Members [X] Joint Members [X]
Initial Captial Investiments: $5,000,000
Do you want us to invest the money locally?
Yes[X] No[ ]

It is legally permitted to invest in Bullion or Foreign Currencies in your branch?
Yes[X] No[ ]

Local advertising firms: Hermes Advertising
Possible competition: Kurton National Bank, Temple Society and Foundation Stone.
Last edited by Kouralia on Wed Aug 29, 2012 5:03 am, edited 1 time in total.
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Lykosia
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Posts: 2760
Founded: Jul 06, 2010
Liberal Democratic Socialists

Postby Lykosia » Wed Aug 29, 2012 5:17 am

Image

OFFICIAL COMMUNIQUE
HARMONIOUS REPUBLIC OF LYKOSIA
MINISTRY OF ECONOMY & FINANCE
DIRECTORATE-GENERAL FOR NATIONAL COOPERATIVES

"Nagara Dana Rakça"


From: Top Dollar, Minister of Economy & Finance
To: Aldron Internationale Credit Union
Carbon Copy: -
Attachments: -
Subject: Application for local branch
Encryption: NONE

Acquired National Registration Forms(National Demonym): Lykosian
Location of Operation's Base and Branch: Snowpoint City (Harmonia), Garmoniya (Ferranus), Empyrean (Amiciterra), Haybale Plateau (Timberland), New Haven (Snow Plains)
Size of Operations Space and Head Quarters: Up to 20-story office, depending on the needs.
Size of customer base: 10.5 million
Local Base Interest Rate: 3.8%
Type of Services Provided:
[x]Main Share Savings (Required)
[x]Basic Checking
[x]Performance Checking* (* Requires Direct Deposit)
[x]Money Market Savings Club: Holiday [ ] Vacation [x]
[x]VISA and ATM Credit and Debit Card services FOR: Primary Members [x] Joint Members [x]
Initial Captial Investiments: NSD 23 billion
Do you want us to invest the money locally?
Yes[x] No[ ]

It is legally permitted to invest in Bullion or Foreign Currencies in your branch?
Yes[x] No[ ]

Local advertising firms: StarMint Creative Studio, CV Go!Advert
Possible competition: State Bank of Lykosia, National Communal Financial, Central Banking, etc.


Signed,
Image
Top Dollar
Ministry of Economy & Finance
Last edited by Lykosia on Wed Oct 10, 2012 10:54 pm, edited 8 times in total.
Everything before 2019 have been retconned.

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YellowApple
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Posts: 13821
Founded: Apr 08, 2011
Ex-Nation

Postby YellowApple » Sun Sep 02, 2012 3:29 pm

Formatted Text Transmission
Acquired National Registration Forms(National Demonym): YellowApple, Inc. (YellowApplan)
Location of Operation's Base and Branch Any YellowApplan city (Manzanopolis Prime and Del Tangerino are excellent locations for banking businesses entering YellowApplan markets for the first time)
Size of Operations Space and Head Quarters: Dependent upon budget. Most YellowApplan commercial spaces range between 64 and 2048 cubic meters.
Size of customer base: Dependent on city/settlement/fleet population; Manzanopolis Prime has a population of 500 million, Del Tangerino 250 million
Local Base Interest Rate: None enforced; most existing bankers range from 0.1% to 10% depending on service and customer's credit score.
Type of Services Provided:
[X]Main Share Savings (Required)
[X]Basic Checking
[X]Performance Checking* (* Requires Direct Deposit)
[X]Money Market Savings Club: Holiday [X] Vacation [X]
[X]VISA and ATM Credit and Debit Card services FOR: Primary Members [X] Joint Members [X]
Initial Captial Investiments: Subject to negotiation and dependent on provider; YellowApple, Inc. can provide N$500,000 for each customer predicted (more depending on services offered)
Do you want us to invest the money locally?
Yes[X] No[ ]

It is legally permitted to invest in Bullion or Foreign Currencies in your branch?
Yes[X] No[ ]

Local advertising firms: YellowApple, Inc. (Advertising and Revenue Services Division), various local companies
Possible competition: YellowApple, Inc. (Financial Services Division), Yohannesische Bundesbank, various local companies

Mallorea and Riva should resign
Member of the One True Faith and Church. Join The Church of Derpy today!

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Legokiller
Minister
 
Posts: 3328
Founded: Jan 21, 2011
Civil Rights Lovefest

Postby Legokiller » Wed Oct 10, 2012 1:22 pm

Image
Official Communique


To: Aldron Internationale Credit Union
From: Economic Minister Diamond Minette of the United Pony States
Encryption:Nope

Acquired National Registration Forms(National Demonym):Legokilleran
Location of Operation's Base and Branch Las Canterlot
Size of Operations Space and Head Quarters: Complex office space in a 70-story business center
Size of customer base: 14 million
Local Base Interest Rate:4%
Type of Services Provided:
[X]Main Share Savings (Required)
[x]Basic Checking
[x]Performance Checking* (* Requires Direct Deposit)
[x]Money Market Savings Club: Holiday [x] Vacation [x]
[x]VISA and ATM Credit and Debit Card services FOR: Primary Members [x] Joint Members [ ]
Initial Capital Investments:$6 Billion Legokilleran Dollars
Do you want us to invest the money locally?
Yes[x] No[ ]

It is legally permitted to invest in Bullion or Foreign Currencies in your branch?
Yes[x] No[ ]

Local advertising firms:Filly Advert Co., Flightless Bird Communications Inc., etc
Possible competition: Bank of Legokiller, Penguin Financials Inc, Pinkie's Central Bank, etc



Yours truly
Economic Minister Diamond Minette
Last edited by Legokiller on Wed Oct 10, 2012 1:24 pm, edited 1 time in total.
Silverdale's Factbook! Poi! Silverdale News Thread
<Maven>Legokiller's an original "G" with mirrors and changelings before it was cool <AnimeQuote> Taiga Aisaka is Gandhi.

User avatar
Kartolandia
Chargé d'Affaires
 
Posts: 368
Founded: Oct 15, 2012
Ex-Nation

Account

Postby Kartolandia » Mon Jan 07, 2013 8:23 am

Crystal Spires wrote:
Finding or Opening a Credit Union Near You


As is the Spirean policy of non-interference in other states' affairs, non-aggression, peaceful coexistence, equal respect and mutual benefit; Crystal Spires also adopts the foreign policy driven by the ideological concept of "harmony without uniformity", which encourages diplomatic relations between states despite ideological differences. This means that in each jurisdiction, opening a credit union will allow them to operate under a new, fully owned structure legally incorporated within that domain. This means that opening up a credit union requires one to fill out local forms to operate in a new jurisdiction. To be setup in a country requires all rules and regulatory forms of the nation regarding establishing a bank to be filled out, and local laws on retail and investment banking must be respected. There is also customs and securities in economically unstable countries by offering savings in commodities or foreign currency which hold their value. This allows for economic security of customers so purchased of Bullion in Gold and Silver are protected, but vary by the local laws in the branches requested.

Like other financial institutions, credit unions offer a complete range of financial products and services. Unlike the others, credit unions are not-for-profit and cooperative—owned by their “members” (customers). So when you join a credit union, you own a piece of it. You get a vote and a say in how it’s run. Because credit unions don’t exist to make a profit, their number one concern is not money. It’s people—the people who own them. Practically, that translates into great rates, low fees…and exceptional service. Credit union eligibility is determined through an established "common bond." That common bond could be where you live, work, worship or go to school, just to mention a few. Each credit union’s common bond is different.


Form For Opening a Local Branch
Code: Select all
[b]Acquired National Registration Forms(National Demonym):[/b]
[b]Location of Operation's Base and Branch[/b]
[b]Size of Operations Space and Head Quarters:[/b]
[b]Size of customer base:[/b]
[b]Local Base Interest Rate:[/b]
[b]Type of Services Provided:[/b]
[X]Main Share Savings (Required)
[ ]Basic Checking
[ ]Performance Checking* (* Requires Direct Deposit)
[ ]Money Market Savings  Club: Holiday [ ] Vacation [ ]
[ ]VISA and ATM Credit and Debit Card services  FOR:  Primary Members [ ] Joint Members [ ]
[b]Initial Captial Investiments:[/b]
[b]Do you want us to invest the money locally?[/b]
 Yes[ ] No[ ]

[b]It is legally permitted to invest in Bullion or Foreign Currencies in your branch?[/b]
 Yes[ ] No[ ]

[b]Local advertising firms:[/b]
[b]Possible competition:[/b]


Services Provided


Personal Checkings and Savings Accounts

Credit unions offer savings and checking accounts as well as individual retirement accounts and term-savings certificates. Interest-bearing accounts generally may have higher rates of return than those of similar accounts in other financial institutions. Many also offer no-surcharge automatic teller machines (ATMs). Deposits may be guaranteed up to $250,000 ($250,000 for retirement accounts) by the National Credit Union Share Insurance Fund or by private insurers.

Insurance and investment

While insurance and investments are not credit union products or services, nor are such products guaranteed by the credit union's deposit insurance, many credit unions have representatives of insurance and securities companies available to assist members in making purchases of insurance products and securities like stocks, bonds, and mutual funds.


Financial Counseling

For those who take the risk into investments, our credit unions offer free financial counseling services, including a complete analysis of your credit situation and advice on avoiding foreclosure, if necessary. Credit union counselors--or a free third-party counseling agency provided by the credit union--can help you understand your credit report, correct inaccurate information and advise you about various debt and money management strategies. Many credit unions also help people rebuild their credit by offering secured credit cards. Cash in your credit union deposit account is used as collateral, making credit approval much easier than on other credit cards.

Automotive Shopping

As lenders on automobile purchases, some credit unions offer broad online tools for shopping for cars. Car dealers participating in the program make their inventory available through the credit union's website, and nearly the entire process of purchasing the vehicle can be done online, including credit approval through the credit union. Other information is also available, including trade-in values and vehicle history checks.

Online Banking

Online banking is available from most credit unions. The service, which is usually free, allows credit union members to check balances, transfer money, apply for loans, check the status of a loan application and more.

Mortgage Loans
Some larger credit unions offer home equity loans and home mortgages and tout lower down payments than those required by conventional lenders.

Money Trading and Bullion Purchasing
Buying or selling rare currency or precious metals is a big decision. Whether you are buying or selling to us, our staff is here to answer any questions you might have. Our customers are the most important part of our business and we make every effort to ensure you are 100% satisfied with your experience.

Form For Purchasing Bullion
Code: Select all
[b]Official Demonym:[/b]
[b]Type of Bullion Purchased:[/b]
[b]Name of Company(or State):[/b]
[b]Amount of Ingots Desired:[/b]
[b]Will it be stored in our vaults?[/b]
[b]Total Cost:[/b]


Form For Purchasing Foreign Currency
Code: Select all
[b]Official Demonym:[/b]
[b]Type of Currency Purchased:[/b]
[b]Name of Company(or State):[/b]
[b]Amount of Currency Desired:[/b]
[b]Total Cost:[/b]


Form For Selling Foreign Currency
Code: Select all
[b]Official Demonym:[/b]
[b]Type of Currency:[/b]
[b]Nation State:[/b]
[b]Value in NSD (trackers):[/b]


Form For Opening a Personal Account
Code: Select all
[b]Official Name on Record:[/b]
[b]Official Country of Origin:[/b]
[b]Type of Account:[/b]
[ ] Savings Account
[ ] Checking account
[ ] Trust Fund
[ ] Retirement Fund
[ ]Money Market Deposit Accounts (MMDAs)
[ ] Certificates of Deposit (CDs)
[ ] Other: (Specify)
 
[b]Initial deposit:[/b]
[b]Is your Income regular?[/b]
[b]Where do you work and what type of work do you do?[/b]


Form For Insuring Assets
Code: Select all
[b]Official name of business:[/b]
[b]Business representative:[/b]
[b]Credit Score:[/b]
[b]International or domestic business:[/b]
[b]Specific description of asset to be insured:[/b]


Form For a Loan
Code: Select all
[b]Official name of business:[/b]
[b]Business representative:[/b]
[b]Credit Score:[/b]
[b]Type of Loan[/b]


Finding a Branch Near You


Main Local Branches:
Caltris, Crystal Spires
Ratilva, Cantalvia
Greater Muffington, Muffinvania
Flankfurt am Mane, Greater Pony Herd
Kurton,Kouralia
Manzanopolis Prime, YellowApple
Snowpoint City (Harmonia), Garmoniya (Ferranus), Empyrean (Amiciterra), Haybale Plateau (Timberland), and New Haven (Snow Plains) Lykosia
Las Canterlot, Legokiller


Official Name on Record:The United Kingdom of Kartolandia
Official Country of Origin:The United Kingdom of Kartolandia
Type of Account:
[ ] Savings Account
[ ] Checking account
[ ] Trust Fund
[ ] Retirement Fund
[ ]Money Market Deposit Accounts (MMDAs)
[ ] Certificates of Deposit (CDs)
[ ] Other: (Specify) Bullion,silver

Initial deposit:200.000.000 us
Is your Income regular?No
Where do you work and what type of work do you do? Sovereign Country account

User avatar
Kartolandia
Chargé d'Affaires
 
Posts: 368
Founded: Oct 15, 2012
Ex-Nation

Postby Kartolandia » Mon Jan 07, 2013 8:43 am

Kartolandia wrote:
Crystal Spires wrote:
Finding or Opening a Credit Union Near You


As is the Spirean policy of non-interference in other states' affairs, non-aggression, peaceful coexistence, equal respect and mutual benefit; Crystal Spires also adopts the foreign policy driven by the ideological concept of "harmony without uniformity", which encourages diplomatic relations between states despite ideological differences. This means that in each jurisdiction, opening a credit union will allow them to operate under a new, fully owned structure legally incorporated within that domain. This means that opening up a credit union requires one to fill out local forms to operate in a new jurisdiction. To be setup in a country requires all rules and regulatory forms of the nation regarding establishing a bank to be filled out, and local laws on retail and investment banking must be respected. There is also customs and securities in economically unstable countries by offering savings in commodities or foreign currency which hold their value. This allows for economic security of customers so purchased of Bullion in Gold and Silver are protected, but vary by the local laws in the branches requested.

Like other financial institutions, credit unions offer a complete range of financial products and services. Unlike the others, credit unions are not-for-profit and cooperative—owned by their “members” (customers). So when you join a credit union, you own a piece of it. You get a vote and a say in how it’s run. Because credit unions don’t exist to make a profit, their number one concern is not money. It’s people—the people who own them. Practically, that translates into great rates, low fees…and exceptional service. Credit union eligibility is determined through an established "common bond." That common bond could be where you live, work, worship or go to school, just to mention a few. Each credit union’s common bond is different.


Form For Opening a Local Branch
Code: Select all
[b]Acquired National Registration Forms(National Demonym):[/b]
[b]Location of Operation's Base and Branch[/b]
[b]Size of Operations Space and Head Quarters:[/b]
[b]Size of customer base:[/b]
[b]Local Base Interest Rate:[/b]
[b]Type of Services Provided:[/b]
[X]Main Share Savings (Required)
[ ]Basic Checking
[ ]Performance Checking* (* Requires Direct Deposit)
[ ]Money Market Savings  Club: Holiday [ ] Vacation [ ]
[ ]VISA and ATM Credit and Debit Card services  FOR:  Primary Members [ ] Joint Members [ ]
[b]Initial Captial Investiments:[/b]
[b]Do you want us to invest the money locally?[/b]
 Yes[ ] No[ ]

[b]It is legally permitted to invest in Bullion or Foreign Currencies in your branch?[/b]
 Yes[ ] No[ ]

[b]Local advertising firms:[/b]
[b]Possible competition:[/b]


Services Provided


Personal Checkings and Savings Accounts

Credit unions offer savings and checking accounts as well as individual retirement accounts and term-savings certificates. Interest-bearing accounts generally may have higher rates of return than those of similar accounts in other financial institutions. Many also offer no-surcharge automatic teller machines (ATMs). Deposits may be guaranteed up to $250,000 ($250,000 for retirement accounts) by the National Credit Union Share Insurance Fund or by private insurers.

Insurance and investment

While insurance and investments are not credit union products or services, nor are such products guaranteed by the credit union's deposit insurance, many credit unions have representatives of insurance and securities companies available to assist members in making purchases of insurance products and securities like stocks, bonds, and mutual funds.


Financial Counseling

For those who take the risk into investments, our credit unions offer free financial counseling services, including a complete analysis of your credit situation and advice on avoiding foreclosure, if necessary. Credit union counselors--or a free third-party counseling agency provided by the credit union--can help you understand your credit report, correct inaccurate information and advise you about various debt and money management strategies. Many credit unions also help people rebuild their credit by offering secured credit cards. Cash in your credit union deposit account is used as collateral, making credit approval much easier than on other credit cards.

Automotive Shopping

As lenders on automobile purchases, some credit unions offer broad online tools for shopping for cars. Car dealers participating in the program make their inventory available through the credit union's website, and nearly the entire process of purchasing the vehicle can be done online, including credit approval through the credit union. Other information is also available, including trade-in values and vehicle history checks.

Online Banking

Online banking is available from most credit unions. The service, which is usually free, allows credit union members to check balances, transfer money, apply for loans, check the status of a loan application and more.

Mortgage Loans
Some larger credit unions offer home equity loans and home mortgages and tout lower down payments than those required by conventional lenders.

Money Trading and Bullion Purchasing
Buying or selling rare currency or precious metals is a big decision. Whether you are buying or selling to us, our staff is here to answer any questions you might have. Our customers are the most important part of our business and we make every effort to ensure you are 100% satisfied with your experience.

Form For Purchasing Bullion
Code: Select all
[b]Official Demonym:[/b]
[b]Type of Bullion Purchased:[/b]
[b]Name of Company(or State):[/b]
[b]Amount of Ingots Desired:[/b]
[b]Will it be stored in our vaults?[/b]
[b]Total Cost:[/b]


Form For Purchasing Foreign Currency
Code: Select all
[b]Official Demonym:[/b]
[b]Type of Currency Purchased:[/b]
[b]Name of Company(or State):[/b]
[b]Amount of Currency Desired:[/b]
[b]Total Cost:[/b]


Form For Selling Foreign Currency
Code: Select all
[b]Official Demonym:[/b]
[b]Type of Currency:[/b]
[b]Nation State:[/b]
[b]Value in NSD (trackers):[/b]


Form For Opening a Personal Account
Code: Select all
[b]Official Name on Record:[/b]
[b]Official Country of Origin:[/b]
[b]Type of Account:[/b]
[ ] Savings Account
[ ] Checking account
[ ] Trust Fund
[ ] Retirement Fund
[ ]Money Market Deposit Accounts (MMDAs)
[ ] Certificates of Deposit (CDs)
[ ] Other: (Specify)
 
[b]Initial deposit:[/b]
[b]Is your Income regular?[/b]
[b]Where do you work and what type of work do you do?[/b]


Form For Insuring Assets
Code: Select all
[b]Official name of business:[/b]
[b]Business representative:[/b]
[b]Credit Score:[/b]
[b]International or domestic business:[/b]
[b]Specific description of asset to be insured:[/b]


Form For a Loan
Code: Select all
[b]Official name of business:[/b]
[b]Business representative:[/b]
[b]Credit Score:[/b]
[b]Type of Loan[/b]


Finding a Branch Near You


Main Local Branches:
Caltris, Crystal Spires
Ratilva, Cantalvia
Greater Muffington, Muffinvania
Flankfurt am Mane, Greater Pony Herd
Kurton,Kouralia
Manzanopolis Prime, YellowApple
Snowpoint City (Harmonia), Garmoniya (Ferranus), Empyrean (Amiciterra), Haybale Plateau (Timberland), and New Haven (Snow Plains) Lykosia
Las Canterlot, Legokiller


Official Name on Record:The United Kingdom of Kartolandia
Official Country of Origin:The United Kingdom of Kartolandia
Type of Account:
[ ] Savings Account
[ ] Checking account
[ ] Trust Fund
[ ] Retirement Fund
[ ]Money Market Deposit Accounts (MMDAs)
[ ] Certificates of Deposit (CDs)
[ ] Other: (Specify) Bullion,silver

Initial deposit:200.000.000 us
Is your Income regular?No
Where do you work and what type of work do you do? Sovereign Country account


I can correct that situation, please tell me how to find a branch, the amount is well within the stats Trecker and I can create an institution say a Foundation to act between the Gov and the Bank


Kindly

Joao Rendeiro

User avatar
Kartolandia
Chargé d'Affaires
 
Posts: 368
Founded: Oct 15, 2012
Ex-Nation

Postby Kartolandia » Tue Jan 08, 2013 5:32 am

Finding a Branch Near You


Main Local Branches:
Caltris, Crystal Spires
Ratilva, Cantalvia
Greater Muffington, Muffinvania
Flankfurt am Mane, Greater Pony Herd
Kurton,Kouralia
Manzanopolis Prime, YellowApple
Snowpoint City (Harmonia), Garmoniya (Ferranus), Empyrean (Amiciterra), Haybale Plateau (Timberland), and New Haven (Snow Plains) Lykosia
Las Canterlot, Legokiller


Official Name on Record:Banco da Kartolandia
Official Country of Origin:The United Kingdom of Kartolandia
Type of Account:
[ ] Savings Account
[ ] Checking account
[ ] Trust Fund
[ ] Retirement Fund
[ ]Money Market Deposit Accounts (MMDAs)
[ ] Certificates of Deposit (CDs)
[x ] Other: (Specify) Bullion,silver

Initial deposit:200.000.000 us
Is your Income regular?No
Where do you work and what type of work do you do? Sovereign Country account

User avatar
Royale Philippines
Ambassador
 
Posts: 1057
Founded: Dec 12, 2012
Ex-Nation

"The Crown lets you to and wants.."

Postby Royale Philippines » Fri Jan 11, 2013 5:42 pm

Acquired National Registration Forms(National Demonym):Filipino
Location of Operation's Base and BranchIntramuros/Manila, Metro Manila
Size of Operations Space and Head Quarters:Large
Size of customer base:Medium
Local Base Interest Rate:5%
Type of Services Provided:
[X]Main Share Savings (Required)
[X]Basic Checking
[X]Performance Checking* (* Requires Direct Deposit)
[X]Money Market Savings Club: Holiday [X] Vacation [X]
[X]VISA and ATM Credit and Debit Card services FOR: Primary Members [X] Joint Members [X]
Initial Captial Investiments:
Do you want us to invest the money locally?
Yes[X] No[ ]

It is legally permitted to invest in Bullion or Foreign Currencies in your branch?
Yes[X] No[ ]

Local advertising firms:
Possible competition:[*]
The Republic of the Philippines
President: Herbet Mata Castellanos
Vice President: Camil Saavedra Ceja


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