Share Savings
Share Savings
Deposits with the Credit Union are called "shares." Shares are capital investments in the Credit Union and dividends are earned on the average daily balance of funds in the account from the date of deposit until the date of withdrawal and are paid and compounded quarterly. A share account is just like a savings account. Deposits and withdrawals can be made in our offices, by phone, by mail, in the night depository, via Payroll Deductions, or Direct deposit for eligible members. Share Accounts are variable rate accounts. The Board of Directors may change the rate(s) at their discretion.
Share Draft - "Checking"
Absolutely free share draft accounts has no monthly service charges, no minimum balance requirements, unlimited check writing, electronic statements, online bill payment, overdraft advance privileges, and Visa debit cards. Overdraft protection options are also available. Members 60 and older receive special FFCU checks at no charge.
VISA Debit Card
The VISA debit card offers access to your account 24 hours a day, 7 days a week. Make purchases without having to use cash or write a check. Get the balance of your account without having to call the credit union. The VISA debit card can be used at more than 800,000 locations worldwide.
IRA Certificates
Please contact FFCU for our current Share Certificate interest rates.
Individual Retirement Accounts - IRA
An IRA is a special tax sheltered account. An IRA allows you to save on taxes while you save for retirement. FFCU is constantly updated with the most recent laws regarding IRA deposits and withdrawals. We also handle the rollover or transfer of an IRA to FFCU to ensure that the proper requirements are met. We do all of the necessary reporting and paperwork by the IRS.
There is a minimum initial deposit of $100.00. Dividends on IRA deposits are earned on the average daily balance of the funds in the account from the date of deposit until the date of withdrawal and are paid and compounded quarterly.
The National Credit Union Administration, an agency of the U.S. Government, federally insures your IRA up to $250,000 in addition to the federal insurance that protects your other accounts at FFCU.
Kirby Kangaroo Savings
Club Children 12 and under are eligible to participate.
The Kirby Kangaroo Savings Club is a great way to start teaching your child about saving for the future.
Today's Youth, Tomorrow's Leaders
Youth ages 13-18 are eligible to participate. This program, also known as the TYTL Club offers a monthly prize each time a minimum of $50.00 is deposited into the account. In addition, each time a minimum deposit of $50.00 is made the club members’ name is entered into a quarterly drawing. Additional benefits for TYTL Club Members include:
- No Fee Checking Account (Restrictions Apply)
- First Check Order is FREE
- Free Debit Card (Restrictions Apply)
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