NuMark Credit Union
Where You Are Family

Frequently Asked Questions

What is a credit union?
A credit union is a member-owned financial cooperative. As a not-for-profit cooperative institution, a credit union use excess earnings to offer members more affordable loans, a higher return on savings, lower fees or new products and services. A credit union is operated entirely by and for their members. Once you deposit money in a credit union, you become a member since your deposit represents your ownership share in the credit union.

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Is a credit union like a bank?
In some ways, yes. That is, a credit union offers a wide variety of financial services comparable to a commercial bank. However, unlike other financial institutions, a credit union is owned and operated by its members who save and borrow there. There are no outside stockholders. Our board of directors is made up of unpaid volunteers who are elected from and by our membership. As a not-for-profit financial cooperative, earnings are returned to members in the form of rebates, dividends, lower loan rates, higher interest rates on deposits, and fewer fees.

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Do credit unions pay taxes?
Credit unions do pay taxes - payroll, sales, and property taxes. However, Congress exempts credit unions from federal income taxes. Credit unions are unique and different from other financial institutions, and we are a vital financial choice for over 91 million Americans and 186 million members worldwide.

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Who is eligible to join NuMark Credit Union?
NuMark Credit Union membership is open to people who live or work in a defined geographic area approved by our regulator which includes Will, Kendall , Grundy and parts of Cook, Kane, DuPage and Kankakee Counties. NuMark membership is also open to employees of our 260 Select Employee Groups and to family members of our current members. See Map

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How do I join NuMark Credit Union?
To join the credit union, you must complete a membership application and make a deposit of at least $5, which must remain in your account as long as you are a member. This deposit represents your "share" of ownership in the credit union and provides access to all of our products and services.

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How can my company become affiliated with NuMark Credit Union?
Having your company become a Select Employee Group is easy! Just call us at (815) 729-3211 and we’ll put you in touch with one of our branch managers.

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Once I become a member, can family members join, too?
Yes! Membership is open to all family members, including your spouse, children, parents, siblings and grandparents. Your family members can join us even if they live out of our geographic area.

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Is my money safe?
Yes -- your money is safe! Credit Unions are strictly regulated financial institutions. Here at NuMark Credit Union your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration, a U.S. Government Agency. NuMark Credit Union is the largest federally insured credit union in Will County.

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How do I make deposits into my accounts?
You can make deposits in person, by mail, at an ATM, through an electronic ACH transaction, or automatically through direct deposit/payroll deduction. Each office location has a "Night Drop" box which allows you to drop off your deposit after-hours.

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What are Direct Deposit and Payroll Deduction?
If you work for a company that offers Payroll Deduction, you can have part of your check deposited automatically into your accounts. Some employers allow Direct Deposit, which deposits your entire paycheck directly into your NuMark Account on payday. In addition, Social Security, pension or any other recurring federal payments can be deposited directly into your account.

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How do I sign up for Direct Deposit or Payroll Deduction?
In most cases, you can contact your employer's Payroll/Human Resources Department to sign up for either of these services. You will need your NuMark Account Number and NuMark's Routing # 271985213. If they are unable to help you, please call us at 815-729-3211.

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What is NuMark's Routing/Transit Number?
Our routing number is 271985213.

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How long must I be a member before I can apply for a loan?
You are welcome to apply for a loan at any time.

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Do you offer mortgage loans?
Yes! Our in-house mortgage department offers a variety of mortgage loan options all designed to fit your needs. We have options for those looking for their first mortgage loan to those considering a reverse mortgage. Our experts will take the time to listen to your needs and answer all your questions. See More.

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What is NuMark Online and Online Bill Pay?
Our FREE online banking service, NuMark Online, is a secure, easy way to access your NuMark accounts 24 hours a day, 7 days a week. You can view account balances, check transaction history, make transfers & loan payments, view cleared checks, withdraw funds by check, and much more.

Our Free Online Bill Pay allows you to pay all of your bills directly from your NuMark checking account without having to write and mail checks. View your payment history and make payments all on one screen. Same day and overnight payments are also available for a minimal fee.

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What is Audio Response?
Audio Response is another FREE service that gives you fast access to your accounts using a touch-tone telephone. Transfer money, check balances, request a check withdrawal, make loan payment calculations,
and more.

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What is NuMark's Visa Check Card?
NuMark's FREE Visa Check Card is available to qualified members. It's an ATM card and a checkbook rolled into one. Use it at an ATM machine to make cash withdrawals or purchases wherever Visa Debit Cards are accepted. Select credit and your payment will be automatically deducted from your checking account. Select debit and enter your PIN to get cash back and avoid the ATM all together. More info.

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Are there any fees associated with the Visa Check Card?
All ATM transactions at our office locations are FREE, as well as at many other machines displaying the STAR or CO-OP Network logos. Use the ATM Locator to find an ATM near you. At all other ATM machines, you can enjoy 4 FREE withdrawals per month before there is a $1.50 fee per withdrawal. There is no charge when you use your Visa Check Card for purchases or to get cash back.

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Do I have to close my credit union account if I leave my job or move out of the area?
No -- when you join NuMark Credit Union, your membership is good for life, no matter where you live or work, as long as you maintain your accounts in good standing. With NuMark Internet Banking, Online Bill Pay, Visa Check Card, Direct Deposit and Audio Response, it is easy to access your account even if you move far away!

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What is the holiday schedule?

HOLIDAYS
New Year's Day Columbus Day
Martin Luther King Day Veteran's Day
President's Day Thanksgiving
Memorial Day Christmas Eve (open until noon)
Independence Day Christmas Day
Labor Day New Year's Eve (open until noon)
Locations
Joliet
1654 Terry Drive, Route 6
P.O. Box 2729
Joliet, IL 60434-2729
Phone: (815) 729-3211
FAX: (815) 729-3228
View Joliet map and directions
Crest Hill
2380 Caton Farm Road
Crest Hill, IL 60403
Phone: (815) 729-3211
FAX: (815) 729-0877
View Crest Hill map and directions
Countryside
9809 W. 55th Street
Countryside, IL 60525
Phone: (708) 429-8590
FAX: (708) 354-6290
View Countryside map and directions
Countryside
8001 W. 159th Street
Tinley Park, IL 60477
Phone: (708) 429-8590
FAX: (708) 429-9303
View Countryside map and directions
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