Deposit
Accounts

FCFFCU offers six different interest bearing accounts to serve your varied savings and checking needs. Our share draft checking account does not earn dividends.

Share Account
This is an all-purpose savings account. We ask that you maintain a minimum balance of $5.

Draft Account
This checking account has no monthly fees or per-check charges. Overdraft protection is also available which means you'll never have to worry about overdrawing your account.


Christmas Club
Make saving for the holidays easier with regular deposits into your club account. On October 1st your club account balance transferred into your share account.

Vacation Club
Put aside a regular amount each payday, and make your dream vacation a reality.

IRA Account
Save on taxes while you build a no-fee Individual Retirement Account. It's a great way to supplement your pension and Social Security.

Certificate Of deposits (CD's)
You can invest in certificates with terms from 6 months to 3 years. All CDs require a minimum balance of $500 and earn a competitive rate. Rates are subject to change weekly.

Early withdrawal penalties - (a penalty may be imposed for withdrawals before maturity) -

  • If your account has an original maturity of less than 1 year:
    The penalty we may impose will equal 30 days dividends on the amount withdrawn subject to penalty.
  • If your account has an original maturity of one year or more:
    The penalty we may impose will equal 90 days dividends on the amount withdrawn subject to penalty.
Money Market Savings Account
Watch your interest rate rise as your deposits grow in this tiered savings account with no minimum balance.

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions obtain, verify, and record information that identifies each person who opens an account.

What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.

We may also ask to see your driver's license or other identifying documents.