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Trust Federal Credit Union  
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Deposit Products

Share Drafts (Checking)

  No Frills
Golden Year’s Checking. For member’s 50
and over…
Minimum Balance Required $0 $750.00 $100.00
Courtesy Pay Available* Yes Yes Yes
Access your money at over 5,000 shared branch locations Yes Yes Yes
Free Visa Debit Card Yes Yes Yes
Free Internet Banking Yes Yes Yes
Free Billpay Yes Yes Yes
Free Mobile Banking Yes Yes Yes
Free E-Statements Yes Yes Yes
Free Internet Transfers Yes Yes Yes
Free Cashier’s Checks Yes Yes Yes
Free Notary Service Yes Yes Yes
Free ATM access at over 43,000 ATM locations** Yes Yes Yes
Free Standard Checks   Yes
Earns Interest   Yes Yes
Premium CD rates     Yes
Monthly Service Charge (only if balance falls below minimum) $0 $7.50 $5.00

* Courtesy Pay program provides an account holder up to $500 overdraft privilege on their checking account. The account holder will be assessed the normal NSF charge but the item(s) will be paid (up to the stated amount) by the credit union thereby saving costs charged by the merchants or other institutions.

** Free ATM access is available at any Trust FCU ATM or Allpoint network ATMs. Click here to find Allpoint ATM locations.

Products & Services

Regular Shares (Savings)

This is your membership account. You must maintain a $25 balance in this account to remain a member. The account pays dividends quarterly on average balances greater than $100. See Rates

Holiday Club Account

An account established primarily for the purpose of saving for the Christmas holiday season. Dividends are paid on a quarterly basis; funds are transferred over to regular shares account on November 1st. Withdrawals should not be made before November 1st, however if they are, a $10 fee will be charged for each withdrawal. See Rates

Money Market Account

This account pays a higher dividend rate than regular shares or checking but does not have a term commitment like a CD. There are two tiers of money market accounts, $2,500 minimum and $10,000 minimum. See Rates

Click Here for more information on IRA’s

Accumulative IRA

Both Traditional and Roth IRA’s are available through the credit union.

Traditional IRA

Traditional IRA’s make sense if you want a tax deduction now or if you think you will be in a lower tax bracket when you retire. Minimum balance required to open is $50, dividends are paid on balances of over $100. All IRA accounts are subject to federal guidelines and regulations. See Rates

Roth IRA

Roth IRA’s are a good fit if you don’t need the tax break now. A Roth IRA is more flexible because you can withdraw regular contributions at any time, tax-free and penalty free and you do not have to take mandatory distributions at age 70 ½. Minimum balance required to open is $50, dividends are paid on balances of over $100. All IRA accounts are subject to federal guidelines and regulations. See Rates

Term Share (CD’s) and IRA Certificates

CD's are offered in standard terms of 3, 6, 12, 24 or 36 months and will automatically rollover at maturity to a matched term CD without member instruction. CD specials do not automatically rollover. Proceeds from CD specials at maturity will be deposited into the member's share account. The minimum balance is $500. There are penalties for early withdrawal. See Rates

Business Accounts

Call for Details

NCUA Insured Federally Insured by the NCUA

NCUA Your savings federally insured to at least $250,000. National Credit Union Administration, a U.S. Government Agency.   EHL
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.


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