Packaged
Accounts for Relationships with TFCU
We designed our packaged service accounts to fit your lifestyle
and to reward your relationship with the Credit Union. Adult members
receive loan discounts and price breaks based on their relationship
with the Credit Union. We offer children and young adults special
packaged accounts to help them learn to save and develop a strong
financial foundation. For more information, please click on the
headings below.
Premium Service Accounts
Youth
Accounts
Express
Account
Any combined share savings deposit
of $1,000 qualifies you to receive this long list of free and
reduced-cost services. All savings, club, checking, Money Market,
certificate, and IRA account balances qualify.
You can avoid many service charges for normal financial transactions
as an Express Account user. In fact, you'll save money every month
you're enrolled as an Express member.
• 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
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. |