Direct Deposit. Automatically transfer all or some of your paycheck to your EFCU Accounts electronically. To set up Direct Deposit, contact us by phone at 850.862.0111 (option 4) or secure email or come into a branch. As the largest credit union in Louisiana Barksdale Federal Credit Union stewards over $2.24 Billion in assets and proudly serves over 155,000 loyal members. With over 510 dedicated individuals as of April 2024, Barksdale is committed to providing exceptional financial services to its members and the community. At Barksdale FCU in Leesville, members are empowered with the financial resources they need to achieve their goals. Explore the range of products and services designed to enhance your financial wellbeing. Customized Financial Planning and Analysis; Secure Online Banking and Mobile App Features; Exclusive Member Benefits and DiscountsIntroducing Barksdale Federal Credit Union's Free Mobile Banking Application for the iPhone, iPad, and iPod Touch - So banking is always convenient for you! Features: 1. Check account balances, view recent transactions, and transfer money between accounts. 2. Find the nearest Barksdale Federal cent…1$1,395 is the difference between the amount paid in interest between Healthcare Systems Federal Credit Union's rate at 2.99% APR compared to 4.71% APR for the Virginia market average over the life of a $25,000 auto loan over 60 months. Monthly payments are approximately $17.96 per $1,000 borrowed at 2.99% APR for 60 months. LPP is an optional benefit offered through BECU. Provides monthly auto loan payments in case of involuntary job loss, disability or loss of life. Monthly program cost is based on loan balance and package options. To apply, call us at 800-233-2328 and ask about getting LPP added to your loan. View the Consumer Loan Payment Protection Contract. Unlock the potential of your ideas with Barksdale engineers dedicated to working alongside your team. Shorten lead times and enhance quality with controls manufactured by Barksdale in the United States. Go to market faster, confident that Barksdale control solutions are right for your product or project — and your business objectives. ...At Barksdale Federal Credit Union, Jerome leverages his Defense experience in financial management, human resources, and government agency coordination. As a board member, he plays a vital role in decision-making, utilizing his military-honed strategic foresight and governance skills. Jerome holds a Management and Leadership Master's degree, an ...Barksdale FCU - 3500 Jackson Street, Alexandria, LA Map Alexandria Branch. Find Nearby Branches. Nearby Barksdale Federal Branches. Oakdale Branch. 300 East 7th Ave Oakdale, LA Open Today. 33.9 miles. Fort Johnson Branch. 7640 Colorado Ave, Building 751 Fort Polk, LA Open Today. 46.9 miles. Leesville Branch. 604 South Sixth StBarksdale FCU Branch Location at 363 Highway 165 N, Oakdale, LA 71463 - Hours of Operation, Phone Number, Services, Routing Numbers, Address, Directions and Reviews. ... Active military at Barksdale AFB 3. Active military at Fort Polk Army Post 4. Retired military living within a 100 mile radius of a BFCU center 5.Our Routing Number: 221379895. Search... Our Routing Number: 221379895; Savings and InvestmentsFor over 70 years, Barksdale FCU has been a trusted financial partner, boasting a network of 28 branches and 25 ATMs across the country. As the largest credit union in Louisiana Barksdale Federal Credit Union stewards over $2.2 Billion in assets and proudly serves over 155,000 loyal members.Online Banking. View account balances and transaction history, transfer funds between accounts, pay bills, make loan payments, deposit checks, manage credit and debit cards, locate surcharge-free ATMs, and more! The Hickam FCU Online Banking service has enhanced security features and better functionality. In addition to the standard online ...For over 70 years, Barksdale FCU has been a trusted financial partner, boasting a network of 28 branches and 25 ATMs across the country. As the largest credit union in Louisiana Barksdale Federal Credit Union stewards over $2.2 Billion in assets and proudly serves over 155,000 loyal members.Map of Barksdale Federal Credit Union Locations. Find your nearest Barksdale Federal Credit Union branch or ATM using our interactive search tools. Barksdale has 28 branches across 2 states, offering a wide range of financial services to … With over 510 dedicated individuals as of April 2024, Barksdale is committed to providing exceptional financial services to its members and the community. Access reviews, hours, contact details, financials, and additional member resources. Barksdale Federal Credit Union (Youree Drive Branch) is located at 8810 Youree Drive, Shreveport, LA 71115. East Alabama Community FCU - Contact Us. Contact Us. EAC Federal Credit Union is located at: 509 E. THOMASON CIRCLE OPELIKA, AL 36801 Our mailing address is: P.O. BOX 2588 OPELIKA, AL 36803-2588. Our phone numbers are: 334-364-2850 Fax 334-364-2855 Hours of Operation: LOBBY HOURS Monday, Tuesday, Thursday, Friday: 9am - 5pm.Select your bank or credit union's name. Follow the instructions provided on the page to enroll and receive your money. Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle using that email address or U.S. mobile phone number to ensure you receive your money. 5.Contact the credit union at (318) 549-8145. Checking Accounts (Share Draft) - Manage your daily finances with convenient checking accounts. According to the NCUA Barksdale Federal Credit Union has 79,992 checking accounts held by members. Free Share Drafts / Free Checking - Benefit from free share drafts with special checking … Barksdale Federal Credit Union. Online Banking makes it easier to manage your finances. With a pre-approved loan from Barksdale Federal, you have an edge when negotiating the final cost of your vehicle. May 12, 2020 · On February 2017, the Shanxi Transition and Comprehensive Reform Demonstration Zone was established based on integrating eight major enterprises, universities and research parks. The …Barksdale Federal Credit Union Address 2701 Village Ln, Bossier, LA 71112-3120 Phone 318-746-4773 Type Main Office Servicing FRB 111000038 Last Change 2014-03-07. Barksdale Federal Credit Union. Branch Locations ; Routing Numbers ; Community & Agricultural Banking Small Business Banking Bank Holidays Banking KnowledgebaseRouting number for Barksdale Credit Union is a 9 digit bank code used for various bank transactions such as direct deposits, electronic payments, wire transfers, check ordering and many more. Routing numbers are also known as bank routing numbers, routing transit numbers (RTNs), ABA numbers, ACH routing numbers.Barksdale FCU Branch Location at 3500 Jackson Street Ext, Alexandria, LA 71303 - Hours of Operation, Phone Number, Services, Routing Numbers, Address, Directions and Reviews. Find Branches Branch spot. ... A member of the immediate family of a current Barksdale Federal member 7. A member of the immediate family of any person eligible …Online Banking. View account balances and transaction history, transfer funds between accounts, pay bills, make loan payments, deposit checks, manage credit and debit cards, locate surcharge-free ATMs, and more! The Hickam FCU Online Banking service has enhanced security features and better functionality. In addition to the standard online ...We are actively working to increase accessibility and usability of our website for every visitor. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 607.936.2293 for assistance. Products and services available on this website are available at ServU branches. Barksdale Federal Credit Union. Online Banking makes it easier to manage your finances. With a pre-approved loan from Barksdale Federal, you have an edge when negotiating the final cost of your vehicle. Bill Pay. Enroll in Online Banking today by selecting "Enroll" on the sidebar of the Online Banking page or download our mobile app by searching for Barksdale Federal Credit Union in your app store. If you need assistance setting-up these digital services, please call 800-647-2328, option 4. The Steel Valley Federal Credit Union, a not for profit financial cooperative, is organized and managed to provide a safe, economical, and convenient financial institution for our membership. To promote thrift and thorough competitive dividends for savings, and provide economical loans with competitive interest rates and service through modern ...Introducing Barksdale Federal Credit Union's Free Mobile Banking Application for the iPhone, iPad, and iPod Touch - So banking is always convenient for you! Features: 1. Check account balances, view recent …For over 70 years, Barksdale FCU has been a trusted financial partner, boasting a network of 28 branches and 25 ATMs across the country. As the largest credit union in Louisiana Barksdale Federal Credit Union stewards over $2.2 Billion in assets and proudly serves over 155,000 loyal members.Barksdale Federal Rewards is simple, easy-to-use program that rewards you with points each time you use your credit and/or debit card. From groceries to fuel to utility bills, your everyday purchases will really pay off. Credit cardholders: Earn 1 point for every $1 spent on signature transactions. At Barksdale FCU, we care about your financial wellness. That's why we've partnered with industry-leading BALANCE to provide you with free access to expertly-crafted financial education and resources to help with your fiscal matters. If you are using a screen reader and are having problems using this website, please call 800-647-2328. | Routing # 311175093. Once you've entered your Barksdale Federal cards into your Google Pay app, you will be able to make purchases wherever Google Pay is accepted. How to activate: Install the Google Pay app from Google Play. Tap the plus sign. Tap, Add a credit or debit card. Follow the prompts to take a picture of your card or enter card details manually. How to use:Contact Barksdale FCU in Shreveport. Location: Eastbank Branch. Address: Barksdale FCU Eastbank Branch 1560 East 70th Street Shreveport, LA 71105 ( Map) Phone Number: (318) 629-8380. Toll-Free: (800) 647-2328.Online Banking. View account balances and transaction history, transfer funds between accounts, pay bills, make loan payments, deposit checks, manage credit and debit cards, locate surcharge-free ATMs, and more! The Hickam FCU Online Banking service has enhanced security features and better functionality. In addition to the standard online ...WELCOME TO ONLINE BANKING. REGISTER FOR ONLINE BANKING. TROUBLE LOGGING IN? CHECK YOUR BROWSER'S COMPATABILITY. Have a question? Read our online banking FAQs. LEARN MORE WITH FAQs & HOW TO's. Vehicles. CURRENT YEAR MODEL OR UP TO 3 YEARS OLDER - 3.69% APR* up to 78 Months. 4 YEARS AND OLDER YEAR MODEL - 4.9% APR* up to 60 Months. Rate not based on credit score. Place your offer here or call 800-647-2328 ext 8044. Please call or email [email protected] if you have questions. List is subject to change as vehicles are sold. Can’t Make Your Car Payments? You’ve Got Options. Having a car provides many conveniences. You do not have to worry about lugging groceries on the bus or waiting 45 minutes for the train.Located in Taiyuan's Xiaodian District, Mercure Taiyuan Qinxian is close to Changfeng Business Street and Shanxi Province Government. The hotel has 184 spacious, well-equipped rooms, a buffet restaurant offering a …Introducing Barksdale Federal Credit Union's Free Mobile Banking Application for the iPhone, iPad, and iPod Touch - So banking is always convenient for you! Features: 1. Check account balances, view recent transactions, and transfer money between accounts. 2. Find the nearest Barksdale Federal cent… Move your accounts with ease using our Account Switch Kit. It includes the forms you need to transfer your accounts and outlines the basic steps for switching direct deposits, automated payments and more. If you have any questions, please contact Member Services at 800-647-2328, option 4 or 318-549-8145. 1 For periods prior to 3/31/19, this includes Income from Trading. For 3/31/19 to 12/31/20, this includes Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities. Fee Income During Q2 2023 (Overdraft Fees, ATM Fees, Credit Card Fees, etc.)$6,974,548.Make the most out of your savings and grow your money with Barksdale Federal! Take advantage of our great rates on savings accounts, money markets, and more! Invest in your financial future today and reap the rewards! Option #1 - High Yield Savings Account: 4.00% APY* up to $10,000. Option #2 - Christmas Club Savings Account: 5.25% APY* up to ... Learn about the mission, history, achievements and contact information of Barksdale Federal Credit Union. Opt-in to receive important messages and access newsletters and annual reports. East Alabama Community FCU - Contact Us. Contact Us. EAC Federal Credit Union is located at: 509 E. THOMASON CIRCLE OPELIKA, AL 36801 Our mailing address is: P.O. BOX 2588 OPELIKA, AL 36803-2588. Our phone numbers are: 334-364-2850 Fax 334-364-2855 Hours of Operation: LOBBY HOURS Monday, Tuesday, Thursday, Friday: 9am - 5pm. Get clarity on your finances with our rates and loans calculators to easily estimate payments, savings, and loan affordability. Our Equipment Loans are perfect for business owners who want to finance their tractors, bulldozers, trailers, mowers & more. The adage, you have to spend money to make money couldn’t be more true when it comes to purchasing new equipment. Let Barksdale Federal help make your payments manageable with financing options up to 10 years. FedTrust FCU This site contains links to other sites on the internet. We, and your credit union, cannot be responsible for the content or privacy policies of these other sites.We know you’ll want to start using these convenient new features right away! Identity Theft - Your peace of mind is our priority! Watch on. Ouachita Valley Federal Credit Union. 1420 Natchitoches Street. West Monroe, LA 71292. 318.387.4592. Routing Number: 311176021. Have any questions?Two Convenient Locations: Monument Square Branch. 10 Monument Square. Woonsocket, RI 02895. 401-767-1990. Lincoln Branch. 100 Old River Road. Lincoln, RI 02865. 401-333-0780.Mar 7, 2018 · The 311175093 ABA Check Routing Number is on the bottom left hand side of any check issued by BARKSDALE FEDERAL CREDIT UNION. In some cases, the order of the checking account number and check serial number is reversed. Save on international money transfer fees by using Wise, which is up to 8x cheaper than transfers with your bank. If you are using a screen reader and are having problems using this website, please call 800-647-2328. | Routing # 311175093. Mar 25, 2024 · Download the free app to access your accounts, transfer money, pay bills, deposit checks, and more. Read verified reviews and learn about data safety and privacy features of the app. Barksdale Federal Credit Union. Chartered in 1954, Barksdale Federal Credit Union has been providing financial services the Leesville, LA community for over 70 years. Leesville Branch. 604 South Sixth Street, Leesville, LA 71446 (337) 238-2413. Contact & Hours Online Banking Select your bank or credit union's name. Follow the instructions provided on the page to enroll and receive your money. Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle using that email address or U.S. mobile phone number to ensure you receive your money. 5.Sign in to your credit union account with It's Me 247, a secure and convenient online banking service.Barksdale Federal Credit Union / 09 Aug 2021. Barksdale Federal Credit Union. Categories: Banks and Credit Unions, Financial Services. 105 Richards Way Minden, LA 71055 USA. Get Directions. Website. 318-639-6093. Share Post: BUSINESS DIRECTORY SEARCH. Search. Search Term. Business CategoryMake the most out of your savings and grow your money with Barksdale Federal! Take advantage of our great rates on savings accounts, money markets, and more! Invest in your financial future today and reap the rewards! Option #1 - High Yield Savings Account: 4.00% APY* up to $10,000. Option #2 - Christmas Club Savings Account: 5.25% APY* up to ...8.89% to 17.90%. Savings Secured Loans. 12 to 120 Months. 2.25% (Share rate +2%) *Annual Percentage Rate. Membership eligibility required. Loan example, on a $2,000 signature loan at 11.9% APR you would make 24 monthly payments of $94.51. Some restrictions apply. Rates are subject to change at any time.Auto Loans as low as 4.54% APR. Certificates as high as 5.30% APY. Credit Cards as low as+ 11.24% APR. More Rates.Explore the comprehensive Financial Performance Report (FPR) for Barksdale Federal Credit Union.This in-depth financial statement offers a condensed overview of the credit union's financial position, based on data from the 4th Quarter of 2023 NCUA Call Report (NCUA 5300 Report). From assets and liabilities to income and expenses, our financial …Mar 25, 2024 · Download the free app to access your accounts, transfer money, pay bills, deposit checks, and more. Read verified reviews and learn about data safety and privacy features of the app. Overview Established in 1954, Barksdale Federal Credit Union is headquartered in Bossier City, Louisiana. Infrastructure: 28 branches and 25 ATMs.; Capital Strength: Stewards over $2.2 Billion in assets.; Secure Savings & Loans: The largest credit union in Louisiana; People We Serve: Proudly serves over 155,000 loyal members.; Employee … Download the Barksdale Federal Credit Union App: 1 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle. 2 Must have a bank account in the U.S. to use Zelle. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Join us for a special breakfast with our CEO! It's a wonderful opportunity to connect with our leadership, ask questions, and learn more about our exciting plans for the future. We look forward to seeing you there! Tuesday, April 30. 8:30 am - 10:00 am. Zeeland Street. 2301 Perkins Road, Baton Rouge 70808. RSVP is encouraged, but not required.Share in the adventure on our social media channels. Bank with Adventure Credit Union at any of our Grand Rapids or Lansing, Michigan area locations, or from anywhere around the world with online & mobile banking services and our Contact Center . Bank with Adventure Credit Union in MI and enjoy great personal account and loan banking solutions.Barksdale Federal Credit Union. Online Banking makes it easier to manage your finances. FOR THE LATEST FRAUD NEWS - to fill out a lobby appointment form. Routing # …If you are using a screen reader and are having problems using this website, please call 800-647-2328. | Routing # 311175093.For over 70 years, Barksdale FCU has been a trusted financial partner, boasting a network of 28 branches and 25 ATMs across the country. As the largest credit union in Louisiana Barksdale Federal Credit Union stewards over $2.2 Billion in assets and proudly serves over 155,000 loyal members.Select your bank or credit union's name. Follow the instructions provided on the page to enroll and receive your money. Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle using that email address or U.S. mobile phone number to ensure you receive your money. 5.Barksdale Federal's participation in the CO-OP Shared Branch network means convenience when, where and how you want it. As our member, you can visit any of the more than 5,500 locations where you see the CO-OP Shared Branch logo, and conduct transactions just like you were at your home branch. Get person to person assistance with your accounts ... If you are using a screen reader and are having problems using this website, please call 800-647-2328. | Routing # 311175093. If you are using a screen reader and are having problems using this website, please call 800-647-2328. | Routing # 311175093. Location: Mansfield Road Branch. Address: Barksdale FCU Mansfield Road Branch 9134 Mansfield Road Shreveport, LA 71118 ( Map) Phone Number: (318) 686-4317. Toll-Free: (800) 647-2328. Fax:BARKSDALE FOOD MART BOSSIER CITY 3226 BARKSDALE BLVD Bossier City, LA 71112. 0.16 mi. TNT 3218 BARKSDALE BLVD Bossier City, LA 71112. 0.25 mi. BARKSDALE FEDERAL CREDIT UNION 200 CURTIS RD., BLDG. 4265 None 71110. 0.25 mi. Top 100 Banks & Credit Unions. Top 100 Banks; Top 100 Credit Unions;For over 70 years, Barksdale FCU has been a trusted financial partner, boasting a network of 28 branches and 25 ATMs across the country. As the largest credit union in Louisiana Barksdale Federal Credit Union stewards over $2.2 Billion in assets and proudly serves over 155,000 loyal members.Barksdale Federal Credit Union Contact Information. Branch address, phone number, and hours of operation for Barksdale Federal Credit Union at South 1st Street, Hodge LA. Name Barksdale Federal Credit Union Address 1026 South 1st Street Hodge, Louisiana, 71247 Phone 318-259-6634 Introducing Barksdale Federal Credit Union's Free Mobile Banking Application for the iPhone, iPad, and iPod Touch - So banking is always convenient for you! Features: 1. Check account balances, view recent transactions, and transfer money between accounts. 2. Find the nearest Barksdale Federal cent… The Iron-Mountain Kingsford Community Federal Credit Union has been serving the Iron Mountain-Kingsford area for over 65 years. We are member-owned and a not-for-profit financial institution located in Kingsford, MI.1 For periods prior to 3/31/19, this includes Income from Trading. For 3/31/19 to 12/31/20, this includes Unrealized Gain (Loss) due to change in fair value of Equity and Trading Debt Securities. Fee Income During Q2 2023 (Overdraft Fees, ATM Fees, Credit Card Fees, etc.)$6,974,548. If you are using a screen reader and are having problems using this website, please call 800-647-2328. | Routing # 311175093. East Alabama Community FCU - Contact Us. Contact Us. EAC Federal Credit Union is located at: 509 E. THOMASON CIRCLE OPELIKA, AL 36801 Our mailing address is: P.O. BOX 2588 OPELIKA, AL 36803-2588. Our phone numbers are: 334-364-2850 Fax 334-364-2855 Hours of Operation: LOBBY HOURS Monday, Tuesday, Thursday, Friday: 9am - 5pm.Loan Ratesas Low as5.25%APR*. View All Loan Rates. Lost or Stolen ATM Card or Debit Card? Call 1-800-754-4128.Sign in to your credit union account with It's Me 247, a secure and convenient online banking service.
Once you have downloaded the Barksdale Federal app, sign-up for Remote Deposit to deposit checks using your mobile device. How to sign up for remote deposit: Download the mobile app; Login to the app; Tap Check Deposit; Read and accept the disclosure; You'll receive an email notifying you of approval or denial of this service within 1 business day. . Rome to sardinia
Our Equipment Loans are perfect for business owners who want to finance their tractors, bulldozers, trailers, mowers & more. The adage, you have to spend money to make money couldn’t be more true when it comes to purchasing new equipment. Let Barksdale Federal help make your payments manageable with financing options up to 10 years. Map of Barksdale Federal Credit Union Locations. Find your nearest Barksdale Federal Credit Union branch or ATM using our interactive search tools. Barksdale has 28 branches across 2 states, offering a wide range of financial services to …We are actively working to increase accessibility and usability of our website for every visitor. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 607.936.2293 for assistance. Products and services available on this website are available at ServU branches.For over 70 years, Barksdale FCU has been a trusted financial partner, boasting a network of 28 branches and 25 ATMs across the country. As the largest credit union in Louisiana Barksdale Federal Credit Union stewards over $2.2 Billion in assets and proudly serves over 155,000 loyal members.At Barksdale FCU in Leesville, members are empowered with the financial resources they need to achieve their goals. Explore the range of products and services designed to enhance your financial wellbeing. Customized Financial Planning and Analysis; Secure Online Banking and Mobile App Features; Exclusive Member Benefits and DiscountsLocated in Taiyuan's Xiaodian District, Mercure Taiyuan Qinxian is close to Changfeng Business Street and Shanxi Province Government. The hotel has 184 spacious, well-equipped rooms, a buffet restaurant offering a …Fax: (318) 752-1642. Report Phone Problem. Address: Barksdale Federal Credit Union Airline Branch 2321 Airline Drive Bossier City, LA 71111. Website: Visit Website. Online Banking:For over 70 years, Barksdale FCU has been a trusted financial partner, boasting a network of 28 branches and 25 ATMs across the country. As the largest credit union in Louisiana Barksdale Federal Credit Union stewards over $2.24 Billion in assets and proudly serves over 155,000 loyal members.There are 156 credit unions in Louisiana that serve members from all across the state and beyond, with many credit unions in the largest ten cities including New Orleans, Baton Rouge, Shreveport, Metairie, Lafayette, Lake Charles, Kenner, Bossier City, Monroe, and Alexandria. Learn more about credit unions in Louisiana, and find a credit union ...The benefits of a Redstone membership extend far beyond convenient banking solutions, competitive rates, and sound financial advice. For more than 70 years, Redstone Federal Credit Union has focused on the unique needs of our members. We strongly believe in improving our members’ lives and supporting them as they reach their goals.© 2024 Education First FCU • (409) 898-3770 • Privacy policy • Federally Insured by NCUA • Equal Housing LenderAs always if you have any questions or concerns please contact us at 412-221-6660 or [email protected]. Your Dream Home Starts Here. Visionary Federal Credit Union has the home loan options you need! Whether you're planning a new purchase or refinance, our member-friendly solutions can help make it happen.For over 70 years, Barksdale FCU has been a trusted financial partner, boasting a network of 28 branches and 25 ATMs across the country. As the largest credit union in Louisiana Barksdale Federal Credit Union stewards over $2.24 Billion in assets and proudly serves over 155,000 loyal members. Our Prime Savings is perfect for individuals opening their first account with Barksdale Federal. This account establishes you as a member of the credit union. Although you can deposit as much as you like, new members can open this account with as little as $5 ($5 savings deposit.) You can now enjoy the convenience of depositing checks from the comfort of your home at any time of the day. Please contact us at either branch location if you need any assistance, and we will be more than happy to help. Franklin Johnstown Federal Credit Union. Welcome to the new online home of Franklin Johnstown Federal Credit Union.8.89% to 17.90%. Savings Secured Loans. 12 to 120 Months. 2.25% (Share rate +2%) *Annual Percentage Rate. Membership eligibility required. Loan example, on a $2,000 signature loan at 11.9% APR you would make 24 monthly payments of $94.51. Some restrictions apply. Rates are subject to change at any time..