Services

Savings/Investment Program

Share Savings Accounts
Your regular Share Savings Account is your basic credit union account. They are called shares because they make you a 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 Accounts
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.

Certificates of Deposit
We offer several certificates. You may start a CD with a $1,000.00 deposit and pick a term that is suitable for you.

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. Dividends are paid from the date of deposit to the date of withdrawal and checks are mailed once a year.

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 us to determine which one fits your needs.

All savings accounts are federally insured by the NCUA (National Credit Union Administration) an agency of the U.S. Government. Accounts are insured to $250,000.00.

Share Draft Checking Account
This checking account is a convenient way to access your account. Every time you write a check you make a copy. Every month you will receive a detailed statement showing all transactions on your account. There are no transaction fees on the account and no monthly fee if you maintain a daily balance of $200.00. If you fall below $200.00 there is a monthly fee of $3.21. Overdraft protection is available for eligible members. In the event of an overdraft, we will transfer from your savings account.

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
You can use payroll deduction and direct deposits 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 saving 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.

Loan Products

Consumer Loans
We offer loans for just about anything you can buy. We offer auto loans, truck loans, motorcycle loans, boat loans, camper loans, ATV loans, snowmobile loans, jet ski loans, computer loans at very competitive rates. If you are purchasing something and a dealer says he 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 work 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 frozen against your loan balance.

First Mortgage Loans
These real estate loans are done with a mortgage broker to provide housing loans at a competitive rate. These loans are available for a property located anywhere in the state of Iowa.

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!

Platinum ELAN Credit MasterCard®

Family Community Credit Union has partnered with ELAN Credit to offer a first-class credit card program for members. Click here to learn more about our credit card program and the many benefits of having a Family Community Credit Union credit card.

Family Community Credit Union ELAN Credit Platinum Rewards 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 - 2X rewards for the first 60 days 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
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.