Member Advantage Program - First Community Federal Credit Union

Welcome to the Member Advantage Program, we invite you to read all about this exciting program! Use the links on the right to view your relationship rewards.

Introducing Your FCFCU Member Advantage Program

As a member, you directly contribute to your own savings and loan rate enhancements by having more of your financial service needs met by First Community Federal Credit Union. As a not-for-profit financial services provider, our mission is to help members achieve their financial goals by offering low cost services and competitive rates. Our ability to do that relies on having members who consider us their financial partner – working with us for their borrowing needs, savings and daily transactions like checking and online banking.

This Member Advantage Program is designed to offer you the rewards you deserve by having your financial relationships with First Community FCU. You’ll benefit with better interest rates, lower fees and special incentives just by doing what you’re already doing … Putting Yourself First!

How The Program Works

Your Member Advantage Program is based on a combination of savings and loan balances you maintain with First Community FCU as well as your level of Account Relationship.

Every month (last day in the month) your account will be reviewed to determine your relationship reward level.

Your relationship rewards will be in place for the next month. Your current relationship reward level will be printed on your account statements and will be available from any FCFCU staff member.

Determining Your Relationship Reward Level

Step 1
Account Relationship
Your rewards criteria will initially look at the relationships you choose to have with First Community FCU.

Advantage Plus Checking: Advantage Checking plus home banking usage at least 4 times each month and 5 or more MasterCard Check Card buying transactions each month

Advantage Checking: An active checking plus direct deposit of at least $400 into your account each month

e-Checking: Earn the same rewards as our Advantage Checking levels with an active checking plus consistent MasterCard Check Card usage of 15 or more purchases each month, enrollment for e-statements, and home banking visits of 4 or more each month

Growth Checking: An active checking account with FCFCU

Non Checking: Basic membership with no checking account

Step 2
Investor Level
Your rewards continue to be enhanced by the combination of all savings and checking balances plus loan and line of credit balances tied to your primary account on the last day of the month.

Level 4: Combined total savings, checking and loan balance of $25,000.00 and greater

Level 3: Combined total savings, checking and loan balance of $5,000.00 to $24,999.99

Level 2: Combined total savings, checking and loan balance of $500.00 to $4,999.99

Level 1: Combined total savings, checking and loan balance of $5.00 to $499.99

Exceptions to the Member Advantage Plan

Youth Members
Members under age 25 will be minimally placed in a rewards level similar to the Level 4 Investor with Growth Checking. Upon the first day of a new eligibility month following your 25th birthday, you will be automatically placed into your Member Advantage Program natural rewards level.

Senior Members
Members age 60 and greater will be minimally placed in a rewards level similar to the Level 4 Investor with Growth Checking. If you would naturally fall into a higher rewards level, you will be placed in that higher level.

Other Reasons For Exceptions
If your account falls into one of the following scenarios at time of eligibility, you may fall outside the parameters of the Member Advantage Program until corrected and eligibility is re-established:

Your cumulative balance falls below $5.00
Your account has moved into a “dormant” status due to inactivity
You have a loan with a delinquent payment of over 60 days

Additional reasons may also disqualify members from our Member Advantage Program, and we encourage you to talk with a member service representative if you have any questions about your rewards level.

New Member Rewards

New members are placed into the 90 day pre-enrollment grace level, enjoying these
New Member Rewards while taking time to establish their new account relationship.

Free Check Printing
Free Unlimited ATM Transactions
Free Money Orders
Free Account History
Free Traveler’s Cheques
Free Medallion Signature Service
ATM Deposit Hold (extended)
Check Deposit Hold (extended)

Advantage Plus Checking members will also enjoy additional rewards during the 90 day enrollment grace period.

Free Card Replacement
Free CU Staff Transfer/Inq.
Free Check Copy
$3.00 Visa Gift Cards (in branch)

Upon the first day of the new eligibility month following your minimum 90 days of new membership you will be automatically placed into your new Member Advantage Program rewards level.

Multiple Accounts

The Member Advantage Program rewards are based on your relationships within your primary account. We encourage you to consolidate your accounts into one primary relationship whenever possible to achieve higher rewards. If you have questions or concerns about your relationship rewards please contact a member service representative to discuss how you can reach a higher level.

Interest Rate Rewards

Investor Levels 3 and 4 with eChecking, Advantage or Advantage Plus Checking are eligible for special pricing on Money Fund Accounts, Certificates of Deposits as well as certain loan rate discounts. If you are an Advantage Plus Checking account holder, you’re also eligible for special bonus dividend pricing on your checking account!

Loan Interest Discounts
Eligible on new installment loans established after the introduction of our program. Excludes mortgages, home equity, business loans, credit cards and lines of credit. Not in combination with other advertised specials.

Certificate & IRA CD Interest Rate Bonus
Eligible on new CDs opened after introduction of our program.

Money Fund Dividend Bonus
Eligible on all balances within your existing or new Money Fund Account. ($2,000 minimum balance required)

Checking Account Bonus Dividends
Eligible for Advantage Plus Checking accounts with Investor Level 2 or higher.

Valuable No Fee Services

First Community FCU offers a number of free products and services to members at all reward levels.

No-Fee Mortgage Application
Free Online Banking
Free Online Bill Payment
Free E-Statements
Free TAMRA 24 Hour Phone Teller
ATM/MasterCard Check Card Access
Free Direct Deposit
Free Notary Service
Christmas & Vacation Clubs
Toll Free Calling (1-866-99FCFCU)
US Savings Bond Purchase & Redemption
ACH Deposits and Payment
NCUA Deposit Insurance (With extended coverage on IRA’s)