Terms and Conditions
1 Fixed Rate Share Certificates and IRA Certificates: The dividend rate and APY are determined weekly, and the dividends are credited and compounded according to the certificates and IRA certificates listed. Rates, terms and conditions are subject to change without notice. After your fixed rate certificate is opened, the dividend rate is fixed for the term. A penalty may be imposed for early withdrawals. Fees could reduce earnings.
84-month Certificate Products: 2 Allowed a one-time dividend rate upgrade request during the original term. At the time of request, the dividend rate will be increased to the dividend rate offered at that time for the same product and term and will be fixed until the original certificate maturity date.
3 To qualify, you must have a checking account opened at least six (6) months with a minimum of ten (10) member-initiated transactions within the past sixty (60) days and must already have one of the following FFCU products: a credit card, loan, certificate or IRA.
4 When qualifications are met3, you may use the one-time upgrade request to convert your 84-month certificate product into an 84-month Loyalty certificate product, which will follow the same upgrade terms listed above.
5 Loyalty Advantage Certificate: Must be 18 Years or older. Limit one certificate per member. Contributions can be made at any time during the term of the certificate. Business and Organization accounts excluded. Maximum certificate contribution amount is $3,000. Contributions above the maximum amount of $3,000 will be transferred to the savings account. Must have an active checking account with a monthly aggregate direct deposit of at least $300 established within 90 days of certificate opening. If the terms and conditions are not satisfied, dividend rate will be reduced to the prevailing dividend rate of the standard 12 months certificate for the remainder of the term.
6 Variable Rate IRA: Dividend rates may change after the account is opened. Fees could reduce earnings.
7 Loyalty Select: Deposits can only be made by FFCU through qualifying or enrolling in a Loyalty Account Program, and members may receive a 1099-MISC for qualifying Loyalty Select deposits.
8 Money Market Plus: This account is not considered a transaction account. Federal regulations limit automatic transfers, checks and drafts to six each month. There is no limit to the number of over the counter or ATM transactions you can make on this account.
Founders Fee Schedule: Click here to view our Fee Schedule.