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Deposit Rates
Money Market
/ APY
Checking
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Z-Share
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Quoted Rates, dividends, annual percentage yields (APY) and rates (APR) are subject to change daily at the discretion of the Board of Directors.

Zard Card

Are you in need of a card to make quick and easy transactions? The Zard Card is a Visa® Check or CashPoints® card for ATM withdrawals or purchases - a "must have" for a busy teen! Both types of debit cards may be used as an ATM card or for purchases. For Zard Members under 18, a parent or legal guardian must be a co-owner on accessed accounts.
  • Account access via ASK SECU and online Member Access
  • Accepted at CashPoints and PLUS® Network ATM locations
  • Tap to Pay for fast, easy, and secure checkout
  • No fee for purchases or for transactions performed at a CashPoints ATM
  • Photo may be added for additional security
CashPoints Cards Visa Check Cards
Checking account not required unless used for purchases Checking account required
Perform ATM transactions Perform ATM transactions
Make purchases at national Interlink or Maestro merchants Make purchases at worldwide Visa® merchants or online
Debits funds directly from your checking account Debits funds directly from your checking account
Requires PIN entry for all purchases Requires PIN entry for debit purchases or requires signature for credit purchases
$500 daily purchase limit1 $1000 daily purchase limit2
$200 maximum daily cash withdrawal limit $200 maximum daily cash withdrawal limit

Immediately report lost or stolen Credit Union debit/credit cards by calling (888) 732-8562 or (919) 857-2150.

When obtaining either debit card, a four-digit PIN number will be created. This number is needed at the ATM and to make transactions. This number is confidential and should not be given out to anyone except the Credit Union and your parent or legal guardian who is the co-owner on accessed accounts. If someone were to obtain your PIN, he or she could purchase items pretending to be you. If you think this is occurring, immediately contact the Credit Union.

Unauthorized ATM Transactions
  • If you believe your card and PIN have been lost or stolen and notify us within two business days, you will not have to pay more than $50.00 if someone uses your card and PIN without your permission.
  • If you do NOT tell us within two business days after you learn your card and PIN have been lost or stolen, and we can prove we could have stopped someone from using the card without your permission had you notified us, you may lose as much as $500.00.
Unauthorized Purchase Transactions
  • You do not pay for any unauthorized (fraudulent) signature based purchase transaction. This applies to all consumer card purchases, including those on the internet.
If your statement shows transactions that you did not make, notify us at once. If you do not tell us within 60 days after the statement was mailed, you may not receive the lost money if we can prove that we could have stopped someone from taking the money had you told us in time.

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1The daily purchase limit is $500, including a maximum cash withdrawal limit of $200 per day. However, if $200 cash is withdrawn, only $300 is available for purchases that day.
2The daily purchase limit is $1000, including a maximum cash withdrawal limit of $200 per day. However, if $200 cash is withdrawn, only $800 is available for purchases that day.