• Share Savings Accounts
    Your regular Share Savings Account is your basic credit union account. They are called shares because this is what makes you part owner of the credit union. This account pays dividends from the date of deposit to the date of withdrawal. A minimum deposit of $5.00 is required to open and you may add or withdraw from your account at any time. A Share Savings Account must be opened for you to enjoy the benefits of other services.
  • Super Saver Tiered Account
    This account pays higher dividends based on the amount that you have on deposit. This account also pays dividends from the date of deposit to the date of withdrawal. This account is designed for larger dollar amounts that you don't want to tie up for long periods of time. You can deposit or withdraw from your Super Saver Account at any time.
  • Share Certificates
    We offer 6 and 12 month Certificates.  These certificates earn a specified rate for the entire term. The minimum balance to open a Share Certificate is $1,000.00.
  • Christmas Club and Vacation Club Accounts
    These club accounts are a good choice to save for a special season. Unlike many club accounts elsewhere, we give you flexibility. There are no minimum deposits or scheduled payments required. You decide when and how much to deposit. Payroll deduction or transfer from other direct deposits is a convenient way to build these accounts. The Vacation club money is transferred to the members savings account on June 1st and the Christmas club money is transferred to the member's savings on October 1st.
  • Individual Retirement Accounts
    Opening an IRA can mean financial security during your retirement plus it will allow you to reduce your tax dollars. Government limitations are set regarding annual contributions. We have traditional IRA's, Roth IRA's, and SEP IRA's available. You will need to contact your Tax advisor to see which one will fit your needs.

    Accounts are insured up to $250,000 per individual depositor by NCUA (National Credit Union Administration) an agency of the U.S. Government. You can visit to better understand the protection offered on your accounts. 
  • Share Draft Checking Account
    Our checking account is a convenient way to access your account. Every month you will receive a detailed statement showing all transactions on your account. You can choose to receive this via email with our e-statements (free) or receive a paper statement. There is no monthly service charge for this account. In the event of an overdraft, we will allow you 3 free transfers, per month, from your savings account.

    You may qualify for a debit card which allows purchases to come out directly from your share draft account. The debit card can also be used for instant withdrawal of cash from an ATM machine.
  • MEMBER'S CHOICE® Credit Life and Credit Disability Insurance

    If you have a balance on your loan and are totally disabled due to injury, illness, or in the event of an unexpected death, Credit Life and Credit Disability Insurance can help.

    It will help pay your loan until you’re fully recovered, or in the event of an unexpected death, it will pay off the loan. Your premium for this voluntary insurance is included in your monthly payment so you won’t receive extra bills or statements.

    Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Group Policy for a full explanation of the terms.

  • Payroll Deduction and Direct Deposit
    Payroll deduction and direct deposits can be utilized to take care of many of your credit union transactions and save you time. Payroll deduction helps you save systematically and is deducted from your paycheck and sent to your credit union account regularly. Loan payments may also be handled in this manner. This service is available for many members, however, we advise you to see if payroll deduction is available through your employer. With Direct Deposit you can have your entire paycheck, Social Security, pension, retirement or any other recurring payment sent automatically to your savings or checking account. This provides an instant and safe deposit of your funds and can save you time, postage and trips to the credit union office.
  • Consumer Loans
    We offer loans for just about anything you can buy. We offer auto loans, motorcycle loans, boat loans, camper loans, ATV loans, snowmobile loans, as well as many other types of loans at very competitive rates. If you are purchasing something and a dealer says they will shop and get you the best rate, be sure to check with us before signing anything to see if we have a better rate available.
  • Share Secured Loans

    These loans let your money grow for you. We secure the loans with the money on deposit at FCCU and give you an interest rate that is lower than if we held a title for security. The money stays in your account and continues to draw dividends but is pledged against your current loan balance.

  • Mortgage Loans
    Family Community Credit Union can help with your home purchase or refinance, at a competitive rate.
  • Signature Loans
    These are unsecured loans that are available for any purpose. These loans have a maximum amount of $10,000.00.
  • Home Equity Loans
    FCCU now offers our members Home Equity Loans. We have exceptionally competitive rates and very low closing costs. Use the equity in your home to update your home or make repairs, consolidate your bills, buy a car or take that much needed vacation!
  • MasterCard®

    It's easy to understand why more and more members are using the Family Community Credit Union Platinum Rewards MasterCard.

    • Earn points on every purchase - after account opening!
    • Rack up unlimited points to use however you want
    • Redeem reward points for cash, gift cards, merchandise, travel and more!
    • Enjoy a low, members-only interest rate
    • Manage your account, view transactions and make payments 24/7 online
    • Get your questions answered anytime with 24/7 Cardmember Service
    • Protect your card from unauthorized use with Zero Liability and fraud protection

  • Reloadable Prepaid VISA Cards Atira MasterCard®
    This card offers you the flexibility of cash, and the security of a debit card. This card is ideal if you're looking for a safe alternative to carrying cash, a set amount for spending, for traveling, or for teaching your teen about managing their money. Use this card to make purchases, shop online, get gas, pay bills and more. It's accepted everywhere Visa debit cards are accepted. The cards can be reloaded 15 times per 30 day cycle. The card can be reloaded by a simple phone call to us.



ATM/Debit Card
Automatic transfers from Accounts
Boat Loans
Camper Loans
Certificates of Deposits
Christmas Club
Computer Statements
Credit Builder Loan
Direct Deposit
Drive-Up Window
E-Statements (FREE)
Extended Warranties
Family Membership
First Mortgage Loans
Free Notary Service
GAP Insurance
Individual Retirement Accounts

Lifetime Membership
MasterCard & the perks of the MasterCard
N.A.D.A. Car pricing
NCUA Insurance to $250,000
Net Payroll Deposits
Night Depository
Online Banking
Outback Kids Club
Payroll Deduction
Prepaid Cards
Regular Share (Savings) Account
Safe Deposit Boxes (Charles City location only)
Secured Loans
Share Draft Checking Account
Vacation Club
Wire Transfers



Products & Services Survey

New Members: What products and services would attract YOU to become a member of Family Community Credit Union? Existing Members: What products and services would you like to see Family Community Credit Union implement in the future?

  • Mobile Banking - Mobile App & Remote Deposit
  • ATM
  • Open on Saturday
  • Open Later on Friday Evenings
  • No Changes
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