Savings

Deposit accounts must maintain a $2,500.00 balance to receive a monthly dividend.  Assessed fees could affect annual yield.  Up to 90 day penalty for early withdrawal on certificate of deposit accounts.

+The CFCU Debit VISA Debit Card has been blocked from being used at gas pumps due to a spike in card fraud that has been correctly identified as originating from gas pumps. The CFCU VISA Debit Card may be used inside with the cashier.

++ An overdraft transfer fee of $4.00 will apply after March 1, 2013. Overdrawn accounts are assessed a fee of $35.00 for each non sufficient funds occurrence.

• A service fee of $25.00 monthly will be charged to any account overdrawn more than 30 days.

Cashier's check = $2.00

AUTOMATED RESPONSE BANKING, TOLL FREE & EASY TO USE: 855-632-0398

EFFECTIVE OCTOBER 3, 2008: Your individual deposits are federally insured to at least $250,000.00 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Section 343 of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, provided temporary unlimited share/deposit insurance coverage on all non-interest bearing transaction accounts in federally insured credit unions and banks. As of January 1, 2013, this coverage reverts back to the permanent level of $250,000.00.

IRAs insured to at least $250,000.00 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

APY = Annual Percentage Yield

Individual Retirement Accounts

A tax shelter retirement plan.

Advantages to Credit Union IRA's

• Insured up to $250,000.00 by the full faith and credit of the United States Government
• No loading fees
• No annual fees for maintaining the account
• No hidden penalties for early withdrawal (other than those by IRS)
• Deposits can be made through the convenience of payroll deduction
• Earnings paid and compounded quarterly