Additional Services

Auto Appraisal | BillPay | Christmas Club | Drive-Up Window | E-Statements | Night Depository | Free Notary Service | Free Traveler's Checks | Visa Credit Card | Voice-Response Account

Others*contact us for more info
  • • automatic payments
  • • credit disability insurance
  • • direct deposits & payroll deduction
Wire Transfers
  • • $5 incoming fee
  • • $12 outgoing fee
Auto & Recreational Vehicle Appraisal top

Ever wonder what your car's current value is? Do you have an RV you'd like to sell? Well, you can find the current value of your vehicle at your Credit Union. We maintain several current guides that can be consulted for this information. Call or visit the Credit Union. Helpful hint: Before you call or visit, here's some information you'll want to gather to get an accurate assessment:

  1. 1 Get Vehicle Year, Make, and Model (ie: 1996 Chevy Blazer LS).
  2. 2 Record the miles of the vehicle.
  3. 3 Note any special options (like CD player, leather interior, electric windows/door locks, special wheels, four-wheel-drive, load capacity [1/2 ton, 1 ton, etc.], engine size [5.7 liter V-8, 2.8 liter four cylinder, etc.], transmission [manual or automatic], any special option packages [ie: Eddie Bauer, 40th Anniversary Special, etc.])
BillPay

The first 3 months will be free and then $5.00 per month. This service will be accessible though the online account manager as "Pay Bills". To sign up for Bill Pay, please print and fill out the Bill Pay enrollment form and mail it to our office.

Christmas Club Accounts top

A Useful, Little-Known & Used Account

By opening a Christmas Club account, you can either make contributions through automatic transfers from your savings or checking, through payroll deduction, or by depositing money in it periodically.

Depending on your expected expenses during the Holiday Season, you might want to contribute regular amounts of $10, 20, or more monthly on each payday. Imagine just contributing $10 every two weeks out of your payroll check at the end of a year you'd have $280 (plus accumulated interest) to pay for gifts with. At $20, you'd be halfway to a thousand dollars when the bills arrive.

The Christmas Club account "empties" typically by providing you with a check during the peak of the holiday shopping season; the account also can be a ready reserve account for unexpected cash needs during the year.

Drive-Up Window top

Use our convenient drive-up window located on the south side of the building adjacent to the parking lot. It has the same hours of operation as the lobby, 9:00 am to 5:00 pm.

E-Statements

With e-statements you no longer have to wait for a paper statement to be mailed to you.
Sign up today!

Night Depository top

For our member's convenience, your Credit Union has an after-hours depository located next to the drive-up window on the east (right) side. Here you can drop in your deposits and be assured they'll be taken care of first thing the next business day. Before using the depository (or even if you mail your deposits), please be sure to fill out a deposit slip and include the amount you're depositing. The deposit slip not only shows us all the information we need to deposit the money to the proper account; if a deposit slip shows one amount and we come up with a different amount, then we'll notify you with a receipt by mail so you can adjust your records.

Free Notary Service top

Your Credit Union has two notaries on staff to help you with your documentation needs, and the service is FREE. Just bring your document and all those required to sign to the Credit Union to take advantage of this service; then simply sign the form(s) in the presence of the notary; it'll be notarized, stamped and the business is completed. It only takes a few minutes.

Free Traveler's Checks top

If you're heading out of town, it's a good idea to carry traveler's checks instead of large amounts of cash. Its also a good idea to get your traveler's checks at Freedom Community Credit Union because they're FREE.

As a service to our members, your Credit Union offers free American Express traveler's checks in any amount you desire. Many places charge $1.00 for every hundred, which means you can save five, ten, or more with just a short visit.

American Express travelers checks are recognized everywhere and, in the event they're lost or stolen, can be replaced at locations worldwide by reporting the loss to a toll-free (in the US) number.

As an added convenience, for a much-smaller-than-elsewhere fee ($.50/hundred), we offer traveler's checks that can be used by two individuals rather than one. These require both members to sign the documents when they are picked up.

So, next time you are leaving town, make a trip to your Credit Union and take advantage of this special member benefit.

Visa Credit Card top

Credit card applications come out of the mailbox by the handful. It's incredible how many companies are wanting you to take their offer for a credit card. But, those offers have a lot of small print hiding conditions to get those rates; woe to the person who doesn't read them and discovers those conditions by accident.

First, the credit card business is one of the most profitable returns available to a banker. Hidden among the rates are penalties and fees that haunt the cardholder, should they miss a step in making a payment on time. Not only do many credit cards charge you a late fee (typically around $25-30), but they also raise the interest rate.

Also, should you exceed your maximum credit limit on at least one major card, a heavy over-limit fee ($29/month in some instances) will be assessed on your account. Another place you get hit on many credit cards is when you take a cash advance through an ATM or other means. The rates are higher when you need to get cash as opposed to making purchase with the cards.

Freedom Community Credit Union's VISA card has some important differences you should know about when considering a credit card:

  1. 1 No annual fee. Your Credit Union VISA card is absolutely free. It's free now and will be free in the future.
  2. 2 No late fee. If you are late getting a payment to us, you aren't assessed a late fee, though we discourage the practice.
  3. 3 No special cash advance rates. Freedom Community Credit Union doesn't penalize you for taking out a cash advance. Cash advance interest is assessed the day you get the advance (as opposed to the 25-day grace period on interest for purchases).
  4. 4 Low over-limit fee. If you exceed your credit limit, our over-limit fee is 1/3 what many other cards charge.
  5. 5 ScoreCard™ Program. With the ScoreCard™ program, you can earn airline miles and bonus points. For every dollar you spend, 1 point is earned toward an airline ticket or prize of your choice. For more information go to www.scorecardrewards.com.

Your credit limit at Freedom Community Credit Union isn't geared to how much your house is worth, where you want your frequent-flyer miles applied, or how much you have in your savings account. It is simply a ready-to-use signature loan approved up to a level suited to your circumstance.

Since it is a signature loan, the card's credit limit will be no more than $10,000. As with other signature loans, this "pre-approved" loan counts towards the $10,000 limit (ie: if you have a $2500 credit limit on your VISA card, then you could only apply for no more than $7500 on a signature loan for another purpose).

If you'd like to apply for a Freedom Community Credit Union VISA card, its as simple as filling out an application. If you have any questions about the Freedom Commnity Credit Union VISA card, feel free to contact one of our helpful staff members.

To activate your VISA in the Verified by VISA Security Program, visit http://usa.visa.com/personal/security/visa_security_program/vbv/faq.html.
When using your enrolled VISA for online purchases, be sure to look for the "Verified by VISA" logo.
Verified by VISA

Voice Response Account Access top

With voice response you have access to Freedom Community Credit Union on a 24-hour-a-day solution to taking care of business and the only tool you need is a touch-tone telephone. You can check current account balances, transfer money between accounts and even make loan payments through account transfers from your share draft (checking) or share (savings) accounts.

Using voice response is easy. Just dial the toll-free number (1-888-297-6129) and listen to the instructions that follow. You'll find the system is easy-to-use by responding to the various questions and options offered as you progress into the system. If you have a question for the Credit Union, you can even leave a message to have them contact you.

Coupled with our internet banking, voice response ensures the member has ready access to his/her account anytime, anywhere. If you have any questions, please contact the Credit Union.

Today's Rates*:

*subject to change 

Conv. Conforming 30YR Fixed
rate points
6.375 0.000
6.250 0.625
6.125 1.125
Conv. Conforming 15YR Fixed
rate points
6.000 0.000
5.875 0.375
5.750 0.750
5.625 1.125
VA 30YR Fixed
rate points
6.375 -0.125
6.250 0.500
6.125 1.375
6.000 2.375
2nd Mortgages
7.00% - 10 year fixed with low closing costs
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Auto Loans
type rate
New/Used As low as 6.75%
Auto Financing Options
type rate
2007 100% retail for 72 mo.
2005-06 100% retail for 60 mo.
2004 & older 85% retail for 48 mo.
Signature Loans
as low as 9.50%
Tiered Share Rates
amount rate apy
$0-2,499.99 0.50%
$2,500-9,999.99 1.00%
$10,000+ 1.00%
Share Certificate Rates
amount rate apy
$5000-9,999.99 4.75%
$10,000-49,999.99 5.00%
$50,000+ 5.25%
6 month rates .50% lower
Others
type rate apy
Pee-Wee Shares 3.53%
Super Shares 3.82%
IRA 3.82%
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