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Access to Services "Once a Member, Always a Member" St Francis FCU offers convenient access to our members 24 hours, 7 days a week through electronic access and our online services. Lobby, Drive-thru & Night Deposit service is available at our Sumner Street location downtown. Our Eastside office is located in Suite 130, 135 Commonwealth Drive and is open Monday, Wednesday, and Friday, 9:00 a.m. - 3:00 p.m. (closed for lunch from 12:00 p.m. - 12:30 p.m.). Deposit Services St Francis FCU strives to offer a variety of financial services that will help its members achieve their savings goals and obtain economic well-being. Listed below are the deposit services we have available. Regular Share (Savings) Account For as little as $7.00 you can open a regular share account ($2.00 membership fee and $5.00 deposit) and enjoy the membership privileges of the Credit Union. Balances in the regular share accounts of $200 or more will earn a dividend set by the Board of Directors at the end of each quarter. Dividends are paid quarterly based on the average daily balance. Special Share (Savings) Account Once you've established your regular share (savings) account, you can set up separate sub accounts for whatever purpose you need: vacation; insurance; taxes, etc. These accounts earn dividends just like your regular share account, but the funds are separated to help with your future needs and may be withdrawn as you need them. Share Draft (Checking) Account A checking account from St Francis FCU offers you the savings and convenience you want to manage your personal day-to-day finances. The Credit Union offers three types of account: "Free Checking"; "Premium Checking"; and "Golden Checking". You may also apply for Overdraft Protection to cover those occasional checkbook errors and prevent returned checks. Christmas Club Share (Savings) Accounts Open a Christmas Club share (savings) account to save for that special time of year. Funds in the Christmas Club account are transferred to your St Francis FCU savings account early in November. No minimum balance to open. An emergency withdrawal may be allowed during the year; however, the account must be closed and may not be reopened until after regular disbursement of funds in November. Dividends are based on the average daily balance and are determined by the Board of Directors at end of the Christmas Club year. Share Certificates St Francis FCU offers 3, 6 and 12 month Share Certificates with a minimum deposit of $500. We also offer a 12 month Jumbo Share Certificate with a minimum deposit of $5,000. Dividends are credited quarterly. A penalty of one month's dividends will be imposed on withdrawals prior to maturity. Loan Products St Francis FCU strives to offer a variety of loan products that will help its members obtain loans at reasonable rates and in most cases reward those members who fully utilize our products and services with even better rates. We seek to help as many members as possible while maintaining a quality loan portfolio. St Francis FCU offers the following loan products:
Other Services St Francis FCU offers a number of other services to assist our members: Free Internet Branching Access your account 24 hours a day, 7 days a week, through our internet branching system. It's a great way to stay in touch with your money. Internet Branching allows our members to do inquiries and transactions on their credit union accounts. This is a free service for our members, so contact the Credit Union today for more information. Free Electronic Bill Pay Electronic Bill Paying allows you to pay your bills online, no need to write checks or mail your payments. You can schedule one-time payments or recurring payments. Payments may be scheduled as far as 1 year in advance. Use the enrollment form on the E-Branch site or call the Credit Union to enroll in Electronic Bill Paying. Visa® CheckCard St Francis FCU's Visa® Check Cards are available with our share draft (checking) accounts and allow you to make cash withdrawals, transfer funds and make balance inquiries from your share or share draft (checking) account 24 hours a day, 7 days a week. These Visa® Check Cards can be used at any ATM but are "surcharge free", if used at ATMs with the Co-Op Network logo. You may go to www.co-opnetwork.org and check for locations within your zip code area. Direct Deposit Direct Deposit enables you to have all of your paycheck, Social Security check or other recurring government check automatically deposited at your credit union account on payday. This eliminates standing in line to deposit your check or worrying about your check being lost or stolen if you're out of town. Payroll Deduction Take a portion of your paycheck and have it automatically deposited to your share account. Most members find payroll deduction the most convenient method for saving and making loan payments. Notary Service A Notary Public is available in our office to notarize documents presented with proper identification. This service is available to members at no charge. Visa® Gift Cards When it comes to figuring out the "Perfect Gift"... gift cards are magical! Gift cards are safer that cash, easy to use, and can be used anywhere Visa® cards are accepted. Visa® Credit Cards Along with a competitive rate, our Visa® Credit Cards offer a variety of benefits that save you time and money, including credit lines up to $25,000, 25 day grace period on purchases, online account access and free $150,000 Travel Accident Insurance. Just complete and return an application, or apply online at www.myCUcard.com, or call 1-888-415-6454. Discount Ticket Programs We offer a variety of discount tickets for our members including movies, Biltmore House, Riverbanks Zoo, Dollywood, Six Flags, and Carowinds. Auto Value Guides With our auto value guides, we can help you get the best price for that new or used car and get the most value for your trade in. Liberty Checks Order your checks online direct with Liberty's check reorder service www.libertysite.com GAP Protection The Guaranteed Auto Protection ("GAP") Insurance pays, subject to terms of the policy, the difference between your insurance company's settlement in the event of a total loss from accident or theft, and your loan balance. Plus if a GAP claim is filed, you will receive a $1,000 toward the purchase of your next vehicle if you finance it at the Credit Union. Credit Life and/or Credit Disability Insurance This insurance is available to assist in paying off (in the case of Credit Life) or in making payments (in the case of Credit Disability) on your loan should you suffer a tragic occurrence. This insurance is offered through CUNA Mutual Insurance Society. Extended Warranties We have a variety of extended warranty plans available on both new and used autos through our partnership with Old Republic Insurance Company. Check with us before you purchase that extended warranty through the dealership because our plans can usually save you money. And always... "Service with a Smile"  |
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