Share Savings:
Deposits can be made in person, through an automatic payroll deduction, wire transfer, or through the mail. Withdrawals may be made in person, a mailed cashiers check, or via a wire transfer. A minimum of $5.00 (membership share) is required for each member in the base share savings account. A member may have up to 10 “sub” savings account. A “sub” share account requires no minimum balance. Interest is computed on a daily basis and paid quarterly.

Share Draft (Checking)
Personal and business accounts are available. Dividends are paid on a monthly basis and there are no service charges regardless of balance. Overdraft lines of credit are available with a FCEFCU checking account.

Share Certificates
The minimum deposit to purchase a share certificate is $500. Interest is paid at maturity for 3, 6, and 12 month certificates. Certificates of 18, 24, 30, or 36 months pay dividends and compound on a quarterly basis.

Traditional IRA
Accounts can be opened with a minimum of a $500 deposit. There are no service fees to maintain an IRA account. Transfers, rollovers, and new accounts are all welcome. IRA certificates are available for terms in 6 month increments between 6 months and 36 months.

College Savings
A higher paying savings account set up in a child’s name with the parent as the joint owner. The parent retains full control of the account until the child turns 18. No withdrawal limitation but we encourage parents to use this account as a long term savings plan for their kids. This is an excellent account to use for an automatic payroll deposit. Money saved in the college savings account can also be rolled in to share certificates with a minimum of $500 to earn an even higher return.

Wire Transfers
Click Here for Instructions on Outgoing Wire Transfers
Click Here for Instructions on Incoming Wire Transfers

Cashiers checks
Cashiers checks are available free of charge for checks made payable to the member. For cashiers checks payable to a 3rd party a charge of $2.50 per check after 3 free of this type.

Direct Deposit
The Credit Union is set up to receive direct deposits and automatic debits electronically free of charge.

MasterCard Debit Cards
Access your money 24 hours a day from anywhere in the world with a FCEFCU MasterCard debit card. A debit card is like using a plastic check and will be accepted anywhere that accepts MasterCard. Limits can be adjusted for each individual member as needed.A debit card can be used for purchases at merchants everywhere and the funds are directly withdrawn from your FCEFCU checking account with no fees or costs. When using the debit card for purchases simply either click on “credit transaction” or request a signature transaction from the merchant. Debit cards may also be used for cash withdrawals from any ATM machine. Please note that cash withdrawals are subject to a $1.00 transaction fee from FCEFCU and the individual ATM machine may also make an additional charge. Contact the Credit union if you would like to order a FCEFCU debit card.

Low Loan Rates
FCEFCU does numerous types of consumer lending all at no cost to the member. There are no prepayment penalties, hidden costs or add-on charges of any kind in our loan agreements. Both secured and unsecured consumer loans are available to members. Click Here to apply for a loan online.

Home Banking
Online banking is now available. You can log on from any computer at any time of the day. Account history, printable statements, the ability to view cleared checks, transfers, withdrawals and more options are available. There is no charge to the member for online banking. Call or email if you wish to sign up for online banking.

$100,000 NCUA Account Insurance
Share accounts are insured to $100,000 by the National Credit Union Administration, a U.S. government agency. In addition FCEFCU is covered by a blanket surety bond covering all officials and employees against fraud, embezzlement, theft, robbery, forgery, or any dishonest act involving Credit Union assets.