• Express
• Concorde
• Premiere50

• Johnny Appleseed Jr. Ecology and Savings Club
• Advantage Circle
• Advantage Circle Plus

• Free foreign ATM and POS transactions (A fee may be imposed by the owner of the ATM)
• Multiple checking accounts (On the Move and Convenience) plus dividends.
• Pre-approved VISA credit card with no annual fee* (upon request)
• Free Online Bill Payment service
• No maintenance fee on Individual Retirement (IRA) accounts.

Fees may reduce earnings

Account disclosure

Apply for an Express Account.

Any month your combined deposit balance falls below the required $1,000 minimum, you pay a modest $7 maintenance fee for Express Account benefits.

*Based on credit worthiness. Some members may be approved for our secured VISA card.


Concorde Account

Concorde Accounts earn a higher level of free and reduced-cost service benefits each month. You simply maintain combined savings and/or loan balances of $10,000. All savings, club, checking, Money Market, certificate, and IRA balances, as well as all consumer and mortgage loan balances (except Visa credit card) qualify toward the $10,000 minimum.

You'll save money all year long as a Concorde member with these additional benefits. You automatically receive all Express benefits, plus the following:

• 350 free TFCU design checks per year.
• Free Automated Teller Machine (ATM) or Point-of-Sale (POS) transactions (A fee may be imposed by the owner of the ATM).
• Pre-approved $500 overdraft protection *(upon your request).
• Pre-approved VISA credit card with no annual fee* (upon request).
• No maintenance fee on Individual Retirement (IRA) accounts.
• Two free official checks per month.
• Two free certified checks per month.
• Free Online Bill Payment service.
• Five free money orders per month.
• Free Traveler's Cheques—single signature only.
• Multiple checking accounts (On the Move and Convenience) plus dividends.
• Reduced APR -- 0.25% off regular rates on future personal and vehicle loans.

Fees may reduce earnings

Account disclosure

Apply for a Concorde Account.

Any month your combined savings and/or loan balances drop below the required $10,000 minimum, you pay a modest $10 maintenance fee for Concorde Account benefits.

*Based on credit worthiness. Some members may be approved for our secured VISA card.


Premiere50 Account

This account is exclusively for members age 50 and over. You have two options to qualify for Premiere50 benefits: either maintain combined savings and/or loan balances of $20,000 (except Visa credit card) or use direct deposit and maintain combined savings and/or loan balances of $15,000. Premiere50 provides Express and Concorde level benefits, plus even more savings.

• Free TFCU design checks
• Free ATM/POS and Visa CHECKCARD transactions (A fee maybe imposed by the owner of the ATM)
• Pre-approved $1,000 overdraft protection* (upon request)
• No annual fee Visa credit card* (upon request)
• Multiple checking accounts (“On the Move” and Convenience) plus dividends
• Reduced APR -- 0.5% off regular rates on future personal and vehicle loans
• Free Online Bill Payment services
• Free Traveler's Cheques for two
• Free AARP one year membership
• Free Cashier’s Checks

Fees may reduce earnings

Account disclosure

Apply for Premiere50 Account.

Any month your combined deposit balance falls below the required $15,000 with direct deposit or $20,000 stand-alone minimum, you will pay a modest $15 maintenance fee for Premiere50 Account benefits.

*Based on credit worthiness. Some members may be approved for our secured VISA card.


Johnny Appleseed Jr. Ecology and Savings Club

This special club is only for members under age 13. Each year, Johnny sponsors a calendar-coloring contest where your creativity can lead you to win prizes. Members of our Johnny Appleseed Club automatically convert to Advantage Circle benefits at age 13.

Join to receive the following benefits:

• Free enrollment gift
• ID card
• Membership kit
• A gift every other month for saving
• Access to the Johnny Appleseed Web Site designed specially for club members

Account disclosure

E-mail us for a Johnny Appleseed application.


Advantage Circle and Advantage Circle Plus

Membership in either of these two clubs is limited to members age 13 through 21. Transition to Advantage Circle membership is automatic for all Johnny Appleseed club members at age 13.

Select the level of Advantage Circle benefits that meet your unique needs. You'll get a free educational enrollment gift just for joining either group.


Advantage Circle

• $5 minimum balance required in Share Savings Account
• Learn how to use a checking account with a Basic Checking account
• Easy account access with ATM card or VISA CHECKCARD *
• Buy mom and dad an anniversary gift with a VISA credit card *
• Buy a bicycle or stereo with a personal loan *
• Purchase your first car with a vehicle loan *

Account disclosure

E-mail us for an Advantage Circle application.


Advantage Circle Plus

A combined deposit balance of $150 is required for this upgraded level of services that includes all Advantage Circle account benefits plus the following:

• Save money with two free foreign ATM and three POS transactions monthly (a fee may be imposed by the owner of the ATM)
• Receive 175 "On the Move" checks free annually
• Save money with no annual-fee VISA credit card *

Account disclosure

E-mail us for an Advantage Circle Plus application.

Any month your combined deposit balance falls below the $150 minimum, you will pay a modest $3 maintenance fee.

**Some parent/cosigner restrictions apply, based on creditworthiness of applicant and/or co-applicant. Call or e-mail us for complete details.