Thursday, September 02, 2010  












Free Student Checking Account

Features include:

    • Designed for younger members and students age 16 - 24
    • No Monthly Service Charge
    • No per check fees
    • 1st box of CFCU custom checks FREE
    • FREE CU OnLine & Starline services
    • 5 FREE counter withdrawals per month; $1 thereafter
    • 1 FREE ATM/Check Card
    • Unlimited FREE transactions at all CFCU or ATM Zone ATMs
    • 5 FREE foreign transactions per month
    • FREE E-Statements; paper statements $1 per month
    • Unlimited CU OnLine Bill Pay transactions available for $3.95 per month

To open a Free Student account, a member must have at least $5 in a regular share account. A minimum deposit of $25 is required, but there is no ensuing minimum balance. A parent or guardian must be a joint owner if the account holder is under age 18.

+Plus Checking Account

Features include:

    • No minimum balance
    • Unlimited check writing
    • Low $4 monthly service charge; waived with $500 per month direct deposit or if $750 is maintained on deposit in a CFCU Savings, Share Certificate or Share Draft/Checking account
    • 1st box of CFCU custom checks FREE
    • FREE CU OnLine & Starline services
    • FREE CU OnLine Bill Pay upon request
    • Unlimited FREE counter withdrawals
    • 2 FREE ATM/Check Cards
    • Unlimited FREE transactions at all CFCU or ATM Zone ATMs
    • 5 FREE foreign transactions per month
    • FREE E-Statements
    • Dividends compounded and paid monthly on the daily balance when it exceeds $750
    • Honor Pay Overdraft Protection available with $500 per month direct deposit*

To open a +Plus account, a member must have at least $5 in a regular share account. A minimum deposit of $25 is required, but there is no ensuing minimum balance.

Premier Checking Account

Features include:

    • Rewards members based on their credit union relationship
    • No minimum balance
    • Unlimited check writing
    • Low $7 monthly service charge; waived with $1,500 per month direct deposit or if member has $15,000 in combined loan balances or if $5,000 is maintained in a  CFCU Savings, Share Certificate or Share Draft/Checking account
    • FREE CFCU custom checks (up to 3 boxes per year)
    • FREE CU OnLine & Starline services
    • FREE CU OnLine Bill Pay upon request
    • Unlimited FREE counter withdrawals
    • 2 FREE ATM/Check Cards
    • Unlimited FREE transactions at all CFCU or ATM Zone ATMs
    • 10 FREE foreign transactions per month
    • FREE E-Statements
    • 1 year FREE safe deposit box rental (3x5 size; credit given for larger boxes) limited to location and availability
    • Dividends compounded and paid monthly on the daily balance when it exceeds $750
    • Honor Pay Overdraft Protection available with $500 per month direct deposit*

To open a Premier account, a member must have at least $5 in a regular share account. A minimum deposit of $25 is required, but there is no ensuing minimum balance.

Platinum Checking Account

Features include:

    • Designed for those who maintain a higher checking balance and want the most from their credit union relationship
    • No minimum balance
    • Unlimited check writing
    • $10 monthly service charge; waived if $1,000 is maintained in the account at all times or if primary member is over age 60
    • FREE CFCU custom checks (up to 4 boxes per year)
    • FREE CU OnLine & Starline services
    • FREE CU OnLine Bill Pay upon request
    • Unlimited FREE counter withdrawals
    • 2 FREE ATM/Check Cards
    • Unlimited FREE transactions at all CFCU or ATM Zone ATMs
    • 10 FREE foreign transactions per month
    • FREE E-Statements
    • 5 FREE Cashier's Checks per month
    • 1 year FREE safe deposit box rental and 25% discount on yearly box rental (3x5 size; credit given for larger boxes) limited to location and availability
    • A Bonus Rate on certificates and loans
    • No origination fees on first mortgages
    • Dividends compounded and paid monthly on the daily balance when it exceeds $750
    • Honor Pay Overdraft Protection available with $500 per month direct deposit*

To open a Platinum account, a member must have at least $5 in a regular share account. A minimum deposit of $1,000 is required, but there is no ensuing minimum balance. However, if a balance of $1,000 is not maintained in the account or the primary member is not over age 60, the standard monthly service charge of $10 will apply.

Free Performance Checking Account

Features include:

    • Earns Reward Rate of 4.00% APY* when qualifications are met each cycle
    • Up to $25 in foreign ATM fee refunds each cycle**
    • No monthly service charge
    • No minimum balance; only $25 to open
    • Unlimited check writing
    • FREE first box of CFCU custom checks
    • FREE CU OnLine & Starline services
    • FREE CU OnLine Bill Pay
    • Unlimited FREE counter withdrawals
    • FREE VISA Check Card
    • Unlimited FREE transactions at all CFCU or ATM Zone ATMs
    • No CFCU charges for foreign ATM use
    • FREE E-Statements

Reward Rate qualifications each cycle:

    • 12 signature-based Check Card transactions (posted during qualification cycle)
    • Direct Deposit of $500 and one ACH Auto Debit or Bill Pay (posted during qualification cycle)
    • Enroll in and receive Electronic Statements

**ATM fee refunds up to $25 per cycle if qualifications are met. *Reward Rate of 4.00% Annual Percentage Yield (APY) paid on balances between $0.01 and $30,000, and 1.00% APY paid on balances above $30,000 each cycle when the minimum qualifications are met. If these qualifications are not met per cycle, the account will still function as a free checking account earning the Base Rate of 0.25% APY; however, ATM fees will not be refunded for that time period. No minimum balance required; however a minimum deposit of $25 is required to open this account. Free Online Bill Pay and Overdraft Protection included. Rates effective as of August 1, 2010. The interest rate and APY may change at any time.

Electronic Transfer Account

Features include:

    • Designed for those who prefer to conduct business electronically or to help those who may not qualify for a traditional checking package
    • Low $4 monthly service charge
    • Requires Direct Deposit
    • FREE CU OnLine Starline services
    • No checks issued with this account
    • Counter withdrawals are $1 each
    • 5 FREE foreign transactions per month
    • 1 FREE VISA ATM/Check Card
    • Unlimited FREE transactions at all CFCU or ATM Zone ATMs
    • Dividends are not paid on this account
    • FREE E-Statements; paper statements $1 per month
    • Unlimited CU OnLine Bill Pay transactions available for $3.95 per month

To open an Electronic Transfer Account, a member must have at least $5 in a regular share account. A minimum deposit of $25 is required, but there is no ensuing minimum balance. Check holds of at least two business days will be placed on all check deposits other than payroll checks.

*Honor Pay Overdraft Protection

    • Saves returned check fees from merchants
    • All other means of overdraft protection will be attempted prior to use of Honor Pay
    • When an overdraft occurs, your account will be taken negative by the dollar amount of the overdraft, plus the service charge
    • Allows you to overdraw your account a maximum of $500 at any one time
    • A service charge of $25 will be assessed for each overdraft item. There are no additional fees or monthly service charges for Honor Pay
    • You must have direct deposit of at least $500 per month and the account must be in good standing to qualify for Honor Pay
    • The account must be open a minimum of two months to qualify for Honor Pay

Additional Features on All Checking Accounts

    • Free CU OnLine & Starline Services
    • Free CU OnLine Account Alerts
    • "Alert Me" Fraud Protection for $4.25 per month

*Not Available on Electronic Transfer or Free Student Accounts
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APR=Annual Percentage Rate
APY=Annual Percentage Yield
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