We are proud to announce that First Community FCU has grown even stronger in its ability to serve our member-owners.  On August 31, 2010, with the support of the NCUA, First Community welcomed the members of First American CU - headquartered in Beloit, Wisconsin, into our family.

First American Credit Union (www.firstamericancu.com) serves the communities of the greater Beloit area with four (4) full-service branch locations within Wisconsin and Illinois.  Originally a credit union connected to the paper manufacturing industry, this partnership is even more exciting for First Community - also founded upon the paper mill industry.

We look forward to bringing you additional information regarding your ability to access your accounts when traveling regionally throughout the midwest.  As always, we thank you for your continued membership.  

September 22nd at the Parchment location

Drop in between 6PM and 8PM to get your questions answered by our panel of professionals - Financial Advisor, Social Security Representative, Estate Attorney, and CPA .

 RSVP by calling (269) 382-9845, ext. 1446

Don’t miss your chance to WIN

The sooner you enroll For e-Statements, the more chances you will have to WIN your very own Apple iPad! Now until December 31, 2010, FCFCU will be giving away an Apple iPad™ each month to members who enroll with e-Statements. There will be FIVE lucky winners in all! Follow the three simple steps below to enroll in e-Statements, and YOU could be one of the lucky winners!

Step One- Login to online banking

Step Two- Select Preferences

Step Three- Click on e-Statements and  select to receive electronic statements

Then sit back and enjoy going paperless! You will have up to twelve months of statements available at your finger tips that you can access with just a click of the mouse. Don’t have online banking? Stop in and ask a Member Solutions Representative to sign you up today!

No purchase necessary to win.  Member account must be in good standing to be eligible to win prize. Prize value may be recorded as income to the IRS.

Be a part of the challenge – save hundreds or even thousands of dollars with your transfer of vehicle loans, credit card balances or other personal loans from other financial institutions … plus, earn a bonus $100 cash with your combined loan transfer of $5,000 or more** … as part of our celebration of meeting the Great Rate Challenge of saving members over $1,000,000 in interest over the life of their transferred loans.  

Plus, one lucky winner will have their Great Rate Challenge Loan paid for one year, up to $400 per month … that’s nearly $5,000 in savings!†  

Save at least 2% off your transferred loans, as low as 3.99% APR*.  Click here to apply online right now … and tell your friends and family to do the same!  

Have you been helping us track our progress towards our $1,000,000 challenge?  For each member obtaining a Great Rate Challenge loan transfer, we calculate the amount of estimated interest savings over the life of their transferred loan. As of September 7th, we've calculated $1,011,954 in savings. That's an average savings of over $2,200 per participating member!
 
  *Loans subject to approval; rates based on credit worthiness of borrower(s) at time of application.  Offer excludes additional MAP incentives and not eligible for loans currently held at FCFCU or previously Education First CU, or transferred business, mortgage or home equity loans.  **Qualifying loans of $5,000 or more – when $1,000,000 in interest saved met, members with qualifying GRC loan to receive $100 cash bonus into account - on or around October 15, 2010.  †No purchase necessary; see official rules.  

Super Saver CD – July 1 – September 30, 2010 

Open a Youth Goal Setter (Super Saver) CD during this special promotional period and we’ll provide your initial $5 to open this special CD, available for anyone under age 18.  That’s all you need to get started in your “super saver” plan.

 You can make unlimited deposits throughout the life of your Goal Setter – Super Saver CD, with maximum term of 5 years.  We’ll pick a winner each month of $100 for all Super Saver CDs opened throughout promotional period – 3 winners in all … to be deposited into your CD and help you save even more!

 Maximum term equal to lesser of 5 years or years remaining until member reaches 18 years of age.  Limit to one Goal Setter Certificate per member. Upon maturity, certificate automatically renews into youth savings.  Minimum opening $5; Maximum on deposit $5,000.  Primary account holder must be under age 18 at time of CD opening.  Unlimited deposits; early withdrawal penalty equal to CD closure and forfeiture of any unpaid interest to date.  Deposits federally insured to at least $250,000 per depositor and backed by the full faith and credit of the United States Government – NCUA.  $100 winners will be notified by phone on or around the 15th of August, September and October, 2010. 

Choose to “Opt In” For Future Overdraft Protection

Click here to opt in today

From time to time, an ATM or Debit Card purchase may cause your account to overdraw the available balance.  A new regulation has gone into effect requiring you to “opt in” in to continue overdraft coverage on your account in the case of an ATM or Debit Card overdraft.  

If you choose to not opt in for this continued coverage, we will not be able to authorize to pay overdrafts on your behalf for every day ATM or Debit Card transactions.  Checks you write or other pre-authorized ongoing automatic bill payments that you have withdrawn from your account will continue to be covered, at our discretion, when Courtesy Pay is eligible on your account or when any one of our other overdraft protection options is available on your account.   

What fees will I be charged if First Community FCU pays my overdraft?

Under our standard overdraft practices:

Smart Line*: The current interest rate is 15.00% APR, and begins to accrue from the date the transaction is covered. Available lines of credit range from $300 to $1,500

First Reserve Line of Credit*: The current interest rate is as low as 6.49% APR, and begins to accrue from the date the transaction is covered. Available lines of credit range from $1,500 to $25,000

Available Balance in Savings: When balances are available from your Share Savings Account, a $2 transfer fee is charged, and the amount needed to cover the overdraft is automatically transferred to cover the purchase

Courtesy Pay Privilege: When your account is eligible for this coverage, we will charge you a fee of $25 each time we pay an overdraft.

Opt In For Future Protection
If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, click here to enroll online or call (269) 382-9845 or toll-free (866) 993-2328.

Make the right choice – to put yourself FIRST with a Visa® Platinum Credit Card from First Community FCU – designed with your best interest.  Pick the Card that’s Right for You … Fixed or Variable Rate, or Variable with Rewards.  In addition to a special low introductory offer as low as 3.99% APR on purchases and balance transfers*, enjoy added peace of mind in having your credit card with someone you know and trust is working for you …

No Annual Fee
Same Low Rate on Purchases, Cash Advances & Transfers
Travel, Merchandise, Event & Gift Card Rewards**
24 Hour Online Account Information & Payment Options
Zero Balance Transfer Fees, Annual Fee or Cash Advance Fees
Built In Bonus Benefits
  Member Advantage Program rewards
  Free Auto Rental Collision
  Free Roadside Dispatch Protection
  Free Member Identity Theft Coverage, up to $1,000
  Free Fraud Monitoring Protection

Just Point & Click …
Click here to begin the easy application process
Click here  to learn about our Platinum Advantage Points Rewards program (select “browse only” within the site)
Click here to link to 24 hour Visa Account Information 
Click here for Verified by Visa added online purchase protection

*Introductory Low Rate Offers - For the introductory six (6) months of card ownership, special lower rate pricing on purchases. Visa® Platinum – 3.99% APR, Visa® Platinum Fixed or Variable with Advantage Points – 4.99% APR;  **Limited to Visa Platinum with Advantage Points program. See application and program disclosure for complete details.  All loans subject to approval.  Rates may vary based on credit worthiness of borrower(s).  Variable rate programs tied to Prime Rate as stated in the Wall Street Journal and subject to change quarterly.  

What Is Save To Win?

It’s a special savings account that helps you to build your savings while also giving you chances to win a grand prize of $100,000, plus monthly cash prizes! Each $25 deposit into this 12-month certificate helps you build your savings and gets you another chance to win-up to 10 chances every month. Plus, all the money you deposit into your Save To Win account is still yours, plus interest. It’s a win-win situation!

We are also offering a “Scratch To Win” scratch off card when you come into any one of our 10 branches and deposit at least $25 into your Save To Win account. You can win cash prizes that vary from $2-$25, as well as a variety of FCFCU specialty items. It has never been more fun to save!

When we say we are here for you, we’re not just talking about branch locations or hours of service … we mean that we are your financial partner and want to help you sort through events that happen related to your finances.  You’re not alone - If you have had a recent life change related to income that affect how you can pay your bills or loans; if you feel it’s time to learn more about budgeting and building healthy credit; if you think you may have recently been a victim of identity theft … and so many other related topics – talk to us FIRST.  We’ll work with you personally, or get you in touch with the informational resources you need.

Over time, visit our new “Talk to us FIRST” section of the web for additional topics to be added.  We’re also here for you via phone (269) 382-9845, ask for our Credit Solutions Department - for confidential discussions related to your concerns. 

Today, we’re introducing our initial topic, related to financial scam awareness and prevention.  Click here to download this article. Adobe Acrobat Reader required.  Please let us know if you have additional questions related to this topic as well as others you’d like added to our site. 

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