Services and Accounts:

Checking accounts (share drafts): No monthly service charges with direct deposit, with no minimum balance requirements and unlimited check writing.

Overdraft Protection: We offer automatic transfer from an existing account or an approved line of credit (maximum $1,000.00 with approved credit [w.a.c.]) to give you that extra sense of security and flexibility.

Debit Card/ATM Card: No annual fee with maximum of $1,000.00 per day w.a.c. Must have checking account to qualify for debit card.
Savings: Share savings is your membership account in the credit union. A minimum of $25.25 to open your account and dividends are paid quarterly on the entire balance. Dividends are determined at the end of each quarter by the Board of Directors. Call for current savings rates.

Certificates of Deposit: A $500.00 minimum investment at FCI Federal Credit Union provides you with higher interest rates. You'll find a wide variety of terms available to suit your specific needs, from six months to two years. Interest is compounded daily and paid quarterly. Call for current CD rates.

Individual Retirement Accounts (IRAs): Deferring taxes on part of your income until age 59 or older, when your tax rate will probably be lower, makes a lot of sense. It is one of the best and wisest financial choices you can make. You may rollover or transfer IRA investments or qualified retirement plans from another institution without income tax penalties. Minimum deposits are $25.00 and dividends are paid quarterly on certificates or IRA share accounts.

Traditional IRA's can be tax deductible if you qualify with yearly contributions up to $5,000.00. Withdrawals may be considered as taxable income at the time of withdrawal.

Roth IRA's for those who qualify can make yearly contributions up to $5,000.00 with tax-free interest on earnings.

Call for current IRA rates.

Direct Deposit and Automatic Payments: We can help arrange for your payroll, social security or other checks to be deposited directly into your credit union checking or savings account. Savvy members are using ACH (automated clearing house) bill paying and deposit services. We can help you automate many of your regular monthly payments, from loan, insurance and mortgage payments to utility, telephone or credit card payments.

VISA Credit Card: Fixed rate of 11.9% A.P.R. with no annual fee. Cash advance rate is same as purchase rate.

Free notary service for members.