Relationship Pricing Program


Royal Rewards Relationship Program* is our way of rewarding you, our loyal members/owners for allowing us to be your primary financial institution.  The more you use our products and services, the more rewards you receive.  And that's because we value your loyalty and continuing relationship!  



Members earn points for services and/or balances.  Points add up to better rates and free services including:

• .25% Rate Increase on all New Share Certificates with terms of 12 Months & Over
• .50% Annual Percentage rate Decrease on New Consumer Loans*
• FREE Unlimited ATM Withdrawals**
• Two FREE Money Orders or Cashier's Checks per Month

With only four (4) points, you qualify as a "Royal Rewards Member" & begin to earn your just rewards!!!

Services and Points:

E-Statements	1 Point
Mortgage Loan	1 Point
Active Checking Account	1 Point
Active Debit Card	1 Point
Direct Deposit/Payroll Deduction	1 Point
Automobile Loan	1 Point
Boat Loan	1 Point

Balances and Points:

$25,000.00 to $49,999.99	1 Point
$50,000.00 to $74,999.99	2 Points
$75,000.00 to $99,999.99	3 Points
$100,000.00 and over	4 Points

Points are awarded for Regular Savings, CD's, IRA's or Money Market Account balances independently. Accounts cannot be combined to achieve higher balances to earn points. Balances are calculated by average monthly balance.

*Must be a member in good standing and 18 years of age or older to participate. May not combine accounts. Rate decreases will occur only on new loans excluding mortgage loans, loans secured by shares, and seasonal and/or special promotions. Existing FCFCU loans may not be refinanced to reflect a rate decrease.
**Free Unlimited ATM withdrawals apply to waiver of FCFCU fees on all ATM's as well as Capital One fees on selected Capital One ABBY ATM's.

Royal Rewards - Because we value your relationship.