Serving Our Members

1. Get Vehicle Year, Make, and Model (ie: 1996 Chevy Blazer LS)
2. Record the miles of the vehicle
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.])

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.

This Credit Union “checking” account has all the features of the regular Share Draft account plus the following:

• One free box of checks annually
• No monthly service charge.

We value our senior members; be sure to check with one of our Customer Service Representatives if you have any questions on the Club 55 Share Draft Account.

Use our convenient drive-up window located on the south side of the building adjacent to the parking lot. The drive-up is open from 8:30 am to 5:00 pm on weekdays.

After hours you can place deposits in the night drop located in the drive-up area and it will be processed the next business day.

• No minimum balance. You don’t get penalized for going below any set level on your share draft account as one does with checking accounts at many banks.
• Low monthly fee. Your Credit Union share draft account costs you only $1.00 per month
  Unlimited checks. For that $1.00 per month, you have unlimited check-writing privileges.
• An important difference between our share drafts and the banks are we keep a record of all your checks at a central location where they can be accessed should you need them. You don’t have to keep an endless number of cancelled checks filling up a file at home!
• Monthly statements. Like a bank, you get a concise, accurate, easy-to-balance statement at the end of the month.
• On-line Access. You can access your statements and account information on-line when you sign up for the on-line services through the Credit Union.
• Multiple Accounts. For only $1.00 per month per account, you can have several share draft accounts to fit your needs.
• Overdraft Protection. We offer our members overdraft protection either by a transfer from their savings or by an overdraft loan should the need arise.

Benefits

• NO minimum balance
• Monthly Statements (paper/electronic)
• Visa Debit Card
• First 50 checks free
• Free electronic check copies

• Membership - It entitles the member to all the services (within Credit Union guidelines) of the Credit Union found on the Services/Clubs page. Membership includes a voting voice in the selection of Credit Union officers and committee members, an invitation to our annual meeting, and the opportunity to become a volunteer to serve on the committees.
• $25 minimum balance - Share accounts require the member to maintain at least a $25 minimum balance, which is collected when the account is opened. This $25 isn’t a fee and remains in your account; should you close your account, the $25 will be returned to you.
• Multiple Accounts - Each member can maintain several share accounts; often these accounts can be for vacation savings, children’s savings (see the special programs available for children’s accounts), and whatever you might feel a need to save for. Joint accounts with a spouse are perfectly OK.
• Dividends - Each share account is paid a dividend (as a shareholder, you get paid a dividend), which is the equivalent to interest paid at a bank.

A separate super share account is created with a deposit of $2,500+. This account then draws a premium interest rate based on rates in effect at the time. While it doesn’t pay at the levels of a CD, the money is available to you at any time (withdrawals are limited to six per month); as long as you maintain at least $2,500 in the account, the super share account will remain active. There is no time limit or renewal requirements for the account and an account statement is sent to you every quarter. Should you find you need to draw the account down below the $2,500 level, the remaining balance will be transferred to your regular share account and interest will accrue there at regular rates.

Starting a super share savings account is as simple as calling or visiting your Credit Union; it can be set up over-the-phone. One phone call can earn you a few extra bucks!

Credit to:
Fifth Third Bank
Cincinnati, Ohio
ABA # 042-000-314

Further Credit to:
Freedom Community Credit Union
Account # 99214657

Final Credit
Member’s Name
Member’s Address
Member’s Account Number

Outgoing:

• Domestic - $20.00/wire

Incoming:

• Domestic- $10.00/wire

Click Here for the current fee schedule.

With e-statements you no longer have to wait for a paper statement to be mailed to you. Click Here to access The Vault, click on “create a new account” on the right hand side. Once you have created your account you will receive an email to confirm the account was set up!

Take advantage of our FREE online Bill Pay. Enroll or login to Credit Union Connect and click on Bill Pay to set up your account.