*The Dividend Rate and corresponding Annual Percentage Yield are subject to change without notice. Dividends are compounded and paid monthly.

For a single account, you must purchase and maintain a balance of at least one share ($5.00). For a joint account, you must purchase and maintain a balance of one share for each member (e.g. $10.00 for a husband and wife). The Credit Union also charges a one-time membership fee of 25 cents for each name on the account.

*The Dividend Rate and corresponding Annual Percentage Yield are subject to change without notice. Dividends are compounded and paid monthly.

*The Dividend Rate and corresponding Annual Percentage Yield are subject to change without notice. Dividends are compounded and paid monthly.

No fees are assessed on this account. No minimum balance is required to open the account. Periodic withdrawals are not permitted. Christmas Clubs mature annually during the month of October.

Money Market Accounts require a minimum average daily balance of $500 to earn the advertised APY.

*The Dividend Rate and corresponding Annual Percentage Yield are subject to change without notice. Dividends are compounded daily and paid monthly.

*The Dividend Rate and corresponding Annual Percentage Yield are subject to change without notice. Dividends are compounded and paid monthly.

There are no per transaction or minimum balance fees charged. Overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means are charged $20. The fee to stop payment on a draft is $10. Members purchase their own drafts. The Share Draft account earns dividends on balances over $100. If a balance of less than $100 is maintained, there is no penalty, but dividends are not paid on the account. Dividends will be calculated on the daily average balance in the account and credited monthly.

*The Dividend Rate and corresponding Annual Percentage Yield are subject to change without notice. Dividends are compounded and paid monthly.

A mimimum balance of $50 must be maintained. Periodic deposits and withdrawals are permitted up to the IRS limitations. The maximum deposit into an IRA account may be limited by law. Early Withdrawal Penalties may apply. Please contact our office for more information.

*The Dividend Rate and corresponding Annual Percentage Yield are subject to change without notice.

Early Withdrawal Penalty?The greater of 5 days dividends on the amount withdrawn, or all dividends earned not to exceed 90 days.

Minimum balance of $1,000.00 is required to open and maintain account. Once the account is opened, no additions can be made until maturity.

Dividends are compounded monthly and paid monthly or at maturity. The APYs assume that dividends are retained in the certificate.

The maximum deposit into an IRA Term Share Certificate may be limited by law.

* APR Annual Percentage Rate Maximum Loan Amount $15,000

*APR = Annual Percentage Rate, Other restrictions may apply. Maximum credit line $15,000.

There is no annual fee for this card.

*APR = Annual Percentage Rate

The amount financed is up to 80% of the value of your prperty. The maximum loan amount is $150,000.00. Minimum loan amount $5,000.Appraisal costs are the responsibility of the member. The Minimum Draw is $500.

*APR = Annual Percentage Rate

The Annual Percentage Rates (APR) may vary and applies to newly established lines of credit. The amount financed is up to 80% of the loan to value. Lines of credit are available up to $100,000. Minimum loan amount $10,000.Appraisal costs are the responsibility of the member. The Minimum Draw is $500. The Maximum APR is 15% APR.

**APR=Annual Percentage You may be eligible for a .50% discount with a direct deposit to a FCTCU account or payroll deduction. Other restrictions may apply. Rates are subject to change without notice.

^^ 72 month terms require a minimum share balance of $20,000.00