|Share Savings||Share Certificate of Deposit||Money Market Account|
|Best if you||Have extra funds and would like to earn interest on your account balance.||Would like to earn a higher fixed rate of interest for a set period of time.||Seek a flexible investment that can respond to the rate environment.|
|Minimum to Open||$5.00||$500||$100|
|Qualifications||Must be eligible for membership.||Must open personal share savings account.||Must open personal share savings account.|
|Earns Interest||Yes. Tiered Accounts||Yes. Tiered Accounts||Yes. On balances over $2,000|
|Monthly Service Charge||No||No||No|
|FCFCU ATM Card||Yes||N/A||N/A|
|Transactions||Limited to (6) free withdrawals per month. $5.00 per withdrawal if these limits are exceeded. Exception: ATM and in store withdrawals are unlimited.||6 free withdrawals per month. $5.00 per w/d if these limits are exceeded.|
|Extras||Free On-Line access, Free E-Statements||Tiered Accounts to meet your needs. Free On-Line access and E-Statements||Free On-Line access and E-Statements|
|The fine print||Click on Rate for current interest rate and Annual Percentage Yield. Rates are subject to change without notice. APY based on monthly compounding of interest. Fees may reduce earnings.||A penalty may be imposed for early withdrawal. Click on Rate for current interest rate and Annual Percentage Yield. Rates are fixed and guaranteed at the time the certificate is opened. APY based on monthly compounding of interest. Fees may reduce earnings.||Click on Rate for current interest rate and Annual Percentage Yield. Rates are subject to change without notice. APY based on monthly compounding of interest. Fees may reduce earnings.|
Your share savings account defines you as a member/owner of the Credit Union. This account can be opened as a single or joint membership. Your savings in this account, as well as all our savings vehicles, are insured to the legal limit by the NCUA (for a brochure on how your funds are insured please go here), an independent agency of the federal government. There is no maximum or minimum deposit amount.
This year-round savings program is designed to help you save for holiday expenses. In early November, your funds will be disbursed into your share account just in the “Nick” of time for holiday shopping sprees.
First Castle Kids Club
Castle Kids Club Account is a fun and educational way to teach your child about saving money. Click Here for more information on our Castle Kids Club Accounts!
Time Share Certificates of Deposit
Earn higher dividend yield by opening a First Castle FCU Share Certificate! Terms are available from 6 months to 5 years with a low minimum deposit of only $500.00.
Money Market Advantage Account (MMAA)
This is the perfect savings vehicle for members looking to earn higher dividend rates yet still have access to their funds. This account features a minimum withdrawal amount of $100 and begins earning interest on balances over $2,000.
Individual Retirement Accounts
If you’re not putting the tax laws to work for you for your retirement years, stop by the Credit Union to learn more about the benefits of our IRAs. It’s never too early to begin preparing your nest egg for the future. Currently, we offer both Traditional and Roth IRAs.