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| Money Market Accounts |
| Earn higher dividends with this flexible account. Available as overdraft protection for your checking account. Tiered interest rates mean the more you save, the more you earn.
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| Certificate Accounts |
| Increase your earnings with as little as $500 or $1,000 with terms from 3 to 60 months. |
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| Business Checking Accounts |
| All checking account products offer free online banking, bill payment, automatic telephone banking and VISA Debit Cards. Overdraft protection available from many sources. Credit card processing available with any business Checking Account. Click here for more detailed information on all FCFCU Business Checking Account products. |
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Pays earnings credit at the Target Fed Funds rate. Lowest transaction fees. |
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Low fees and a low minimum balance. Dividends paid on balances over $1,000. |
- Express Business Checking
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No monthly service fee, no minimum balance requirement, and minimal transaction fees. |
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| VISA Debit Card |
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Drop Box Depository |
| Use wherever VISA Debit Cards are accepted. The funds come directly out of your checking account so you pay no interest. Doubles as an ATM card. |
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Available night or day.
Main Office: Daily pick-up 7 a.m. and after 2 p.m.
Kmart: Daily pick-up 9 a.m. and after 2 p.m.
Southlands: Daily pick-up 9 a.m. and after 2 p.m.
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| LOANS |
Whatever your business need, we can help:
- working capital
- financing your current or next location
- purchasing a vehicle or new equipment
- no request too large or too small
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| VISA Business Card |
| Our Business Card offers you two choices:
- Save money with our VISA Business Card, or
- Earn free trips with our VISA Business Travel Card.
Both cards offer you:
- Extended warranty coverage
- Travel insurance, car rental discounts & travel assistance
- Free year-end reports and combined statements
- Cardmember services available 24/7
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| CONVENIENCE SERVICES |
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| Electronic Funds Transfer (EFT) |
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Wire Transfers |
Transfer funds in and out of your account at no charge.
- Use for one-time or recurring payments
- Receive immediate credit; no holds on deposits
- Direct Deposit
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Business and Small Business Checking members save 50% on bank-to-bank wire transfers. A safe and secure way to more money fast. |
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| Online Banking |
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Bill Payment |
- Free to all members
- Free check and statement copies
- Accessible 24/7
- Set balance alerts to help with funds management
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Pay bills from the convenience of any PC. At FCFCU, there are no fees and no limit to the number of transactions. |
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| RETIREMENT PLANS |
- Roth, Traditional, and Coverdell (Education) IRAs All available with no fees and low minimums. Use automatic transfers or online access to set aside funds for your retirement.
- Investment Planning Center From SEPs to 401(k), choose from 150 retirement plans from over 60 providers. Contact Steve Van Sky for a free consultation at 303-226-8584.
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| CREDIT CARD PROCESSING |
- Elan VISA and the Nova Network Quality, cost effective merchant services including integrated credit and debit card payment processing services, related software application products, and value-added services for our merchant members.
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| EMPLOYEE BENEFITS |
| By partnering with other companies, FCFCU can help you expand your employee benefit package with little or no added work for you.
- Immediate credit for payroll deposits
- Complete line of consumer and mortgage loans
- 24/7 access by phone or internet
- Direct deposit and payroll services
- Wellness package
- Discounts on auto and homeowner's insurance
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| Visit any of our locations to open your account, or contact Judy Booth in Business Development at 303.226.8566 |
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