First United FCU - Products & Services

Savings Programs		Low-Cost Loans
	Regular Share Savings Christmas & Vacation Club Accounts Share Draft / Checking Shares Plus Account Direct Deposit/Payroll Deduction Overdraft Protection Individual Retirement Accounts - IRAs Term Share Certificates		New and Used Vehicles New and Used Recreational Vehicles Home Improvement Home Equity Mobile Homes VISA Credit Card Signature Loans Single PMT Notes

Conveniences		Other Special Services
	Automated Teller Machines (ATMs) Master Money Card/Check Card Service Centers Automatic Monthly Payments Audio Response Direct Payment Safety First		Notary Services Money Orders Travelers Checks New Car Pricing Service Discount Amusement Park Tickets NADA (Blue Book) Vehicle Price Info Consumer Information Credit Life & Disability Insurance Group Auto & Homeowners Insurance AAA Membership (Group Rates) Mortgage Services (Home Equity)

Savings Programs
At First United Federal Credit Union your savings account rates and services are convenient as well as competitive. Let us make your dollars and cents earn more than that piggy bank. We offer competitive earnings and convenience on your savings account with services like direct deposit and payroll deduction. Remember every dollar and cent counts.

Savings account
A Saving account is the “First” account you will open to be part of our Family. The only requirement is a deposit of $5.00 to establish membership. As long as you maintain this balance you will be eligible to take part in the many services we have to offer

Club Accounts (Christmas and Vacation) accounts
Save for that special time of the year with our Christmas and Vacation Club. No deposit or withdrawal restrictions. With Direct Deposit or Payroll Deduction it is fast, easy and convenient.

Share Draft/Checking account
In today’s hectic world, the convenience of a share draft/checking account is essential. But high fees are not a necessity. (A $25.00 deposit is required to open the account.)

No Minimum Balance Requirement
No Per Check Charge
Overdraft Protection
Master Money Card
Direct deposit/payroll deduction available
Reorder checks safely and conveniently online
Retirees: With Direct Deposit of Social Security or Pension receive two free orders per year. The service charge of $3.00 per month is waived.

Net Pay: We also will waive the $3.00 fee for any member that has direct deposit of their entire paycheck to their account.

Newlyweds: Upon presentation of a marriage license, you will receive a one year waiver of the Monthly Service Fee and one free order of checks.

Graduates: Upon presentation of a High School or College Diploma, you will receive a one year waiver of the Monthly Service Fee and one free order of checks.

Share Plus Savings account
Earn money market rates with none of the risks associated with most investments. Share Plus offers you a higher interest rate than our regular share account with a minimum balance requirement of $1,000.00 and limited 3 withdrawals a month. With Share Plus you receive great rates without tying up your money.

Direct Deposit/Payroll Deduction
Direct deposit or Payroll deduction is fast, easy, safe and convenient. A portion of your net pay or your full social security, pension, or recurring income can be deposited into your account(s) immediately and are available every pay period. It’s a great way to save and to make loan payment automatically.

Savings at First United Federal are federally insured up to $100,000 by the National Credit Union Administration, a U.S. Government agency.

Overdraft Protection/Line of Credit
You can write yourself a loan whenever you want with a First United Line of Credit. Once you’re approved, you can borrow up to your limit by simply drawing on your checking account in excess of your balance. Low minimum payments and interest rates make the Overdraft Protection easy on your budget. It also protects you from overdrawing your checking account.

IRAs

	TRADITIONAL IRA Earnings grow tax-deferred until withdrawn. Contributions may be fully, partially or non-tax deductible. Certain withdrawals may be penalty-free for qualifying reasons.

	ROTH IRA Contributions are made after tax dollars and can be withdrawn tax and penalty free at any time, for any reason. Earnings are tax and penalty free if the account has been open for five tax years and the withdrawal is for a qualified reason.

COVERDELL EDUCATION SAVINGS ACCOUNT
Anyone with qualifying income can make qualified contributions.
Withdrawals are tax and penalty free for qualified education expenses.
Contributions are not allowed once the designated beneficiary reaches age 18.

TERM SHARE CERTIFICATES (CD’S)
Short term and long term we can meet your needs. We offer competitive rates with a low minimum balance requirement of $500.00. This is a risk-free investment with guaranteed earnings.

ALL OF THE ABOVE ACCOUNTS CAN BE INVESTED IN A SHARE (SAVINGS) ACCOUNT OR TERM SHARE CERTIFICATES (CD).

MasterMoney Card/Check Card
Our MasterMoney ATM card works along with our First United Checking Account. You may also use your MasterMoney to pay for purchases at any VISA merchant such as any retail store, grocery stores, or other vendors. Your MasterMoney card will be run through a card reader (just like a credit card, but uses the available funds in your checking account). You’ll get a receipt at the time of purchase (to record in your check register) and the total amount of the transaction will be automatically deducted from your checking account.

For added convenience, your MasterMoney card can also act as an ATM card, providing you with a way to get cash, check account balances, and transfer funds- at ATMs around the block, across the nation, and all over the world, 24 hours a day, 365 days a year.