Savings Accounts

1st Community Federal Credit Union offers Savings/Share, Club, Checking, Money Market, Mega Money Market, Term Share Certificates, and IRAs. This credit union is federally insured by NCUA (National Credit Union Administration). Additional insurance coverage through ESI (Excess Share Insurance Corporation), a private insurance company. View Deposit Rates

Savings/Share Account

  • Minimum $25 deposit and a one-time $5 non-refundable joining fee makes you a “member” of 1st Community
  • Day-in/day-out dividends paid/compounded quarterly
  • May be pledged on a Shares Secured loan for a reduced interest rate
  • FREE $2000 Accidental Death & Dismemberment Insurance for each new member 18+ who completes and submits the insurance application; additional low-cost insurance for member and family also available; premiums deducted monthly from Savings or Checking Account. Coverage decreases beginning at age 70
  • FREE $1000 Term Life Insurance for 12 months for each new member 18+ who completes and submits the insurance application; additional low-cost insurance for member and family also available; premiums deducted monthly from Savings or Checking Account. Coverage decreases beginning at age 70

Club Accounts

Save for that special occasion – Education, Vacation, Christmas, whatever you want…
  • No minimum balance
  • No monthly service fee
  • Day-in/day-out dividends compounded/paid quarterly (except for Christmas Club where dividends are compounded and credited monthly)
  • Dividend rate same as earned on Savings/Share Account

Christmas Club Account

Start saving NOW for the holiday season
  • No minimum balance or monthly service fee
  • Day-in/day-out dividends compounded/paid monthly
  • Dividend rate same as earned on Savings/Share Account
  • Available for withdrawal during November and December of each year
  • Account closed if any early withdrawal
  • Surprise Christmas gift in November of each year; automatically renewed annually

“Arnie Dillo” Youth Club Account

The “Arnie Dillo” Youth Club Account is for ages birth thru 12 to teach them to start saving early!
  • Day-in/day-out dividends paid/compounded quarterly
  • Dividend rate same as earned on Savings/Share Account
  • Child earns “Dillo Dollars” when making deposits giving the child a positive savings experience. Although deposits are not limited, only the first $100 per month will earn Dillo Dollars in order to allow the Credit Union to share the fun with all our Arnie members.
  • Dillo Dollars are redeemable for prizes in the Arnie Stores at all 1st Community lobby locations
  • Special parties and activities like lobby drawings for prizes add to the fun
  • Special Christmas Gift – each Active Arnie Dillo member will receive an invitation to come by their nearest 1CFCU office to pick up their Christmas gift bag containing: a 40 Dillo Dollar gift certificate, a Christmas craft, a toy and other fun Christmas items.  We buy extra great toys for the Arnie stores during Christmas to give the kids opportunities to make purchases with all the Dillo Dollars they have saved.

ePlus Checking Account

All the following GREAT benefits for $7.95 per month.  However, fees are waived for the following: 1) Sign up for eStatements and monthly fee is reduced by $4.00; 2) Use your 1CFCU debit card 15 times per month and monthly fee is reduced by $3.95; or 3) combine the two above and you will eliminate your Monthly Fee completely PLUS qualify to earn dividends on balances up to $25,000.
  • All the basics – no minimum balance, unlimited transactions, FREE Debit/ATM card, Online Banking, Bill Pay, Mobile Banking w/ optional Remote Deposit Capture
  • Savings Overdraft Protection and Loan Overdraft Protection w/approved loan application
  • 1/4% Discount on qualifying loans
  • $10,000 Accidental Death & Dismemberment Insurance
  • IDProtect w/credit file monitoring and a host of other protection
  • Cellular telephone protection & more

Seniors Checking Account

for members 55+
  • No minimum balance
  • Unlimited transactions
  • FREE Debit/ATM card
  • FREE Online Banking, Bill Pay, Mobile Banking w/optional Remote Deposit Capture
  • Audio Response
  • Savings Overdraft Protection and Loan Overdraft Protection w/approved loan application & more

1st Checking Account

for members thru age 21.
  • No Monthly Fee
  • FREE Online Banking & Bill Pay, Check/Debit/ATM card
  • Savings Overdraft Protection
  • FREE Mobile Banking
  • Loans available with eligible co-signer
  • NEW – Reloadable debit card now available to help teach budgeting with less risk
  • FREE educational seminars

Term Share Certificates

  • Minimum $1000 deposit
  • Available for 6-months, 1, 2 or 3 year terms
  • Day-in/day-out dividends paid monthly back into the certificate or to other CU deposit account or mailed for your convenience
  • Automatic renewal or single purchase available
  • May be pledged against a loan for a reduced interest rate

IRAs (Individual Retirement Accounts)

Certificates
  • Minimum $25 to open
  • 1 year, 2 year or 3 year IRA Term Share Certificates available
  • Day-in/day-out dividends paid/compounded monthly
  • Automatically renewed unless otherwise instructed

Money Market Account

  • Minimum $2500 to open & maintain to avoid $15 monthly service fee charged the next month
  • 6 FREE withdrawals per month – $5 each thereafter
  • First 40 checks FREE
  • Day-in/day-out dividends paid/compounded monthly
  • Rates quoted monthly

Mega Money Market Account

  • Minimum $25,000 to open & maintain to avoid $15 monthly service fee charged the next month
  • 6 FREE withdrawals per month – $5 each thereafter
  • First 40 checks FREE
  • Day-in/day-out dividends paid/compounded monthly
  • Rates quoted monthly

Other and Investment Choices

1st Community FCU has partnered with Greg Stephens, President of the Stephens Investment Group, to offer you a full range of investment, insurance and financial services. Greg is a financial advisor offering services thru Momentum Independent Network, Inc. Member FINRA/SIPC. 717 Harwood Street, Suite 3400, Dallas, TX 75201 214/859-1800.  Greg has earned the accreditations of CRPC® and ADPA® and has many years’ experience in the financial services industry. Greg has access to and provides a broad array of products, services and advice to his clients. Greg Stephens, CRPC® ADPA® President – Financial Advisor 325-224-3639 GStephens@momentumin.com Located inside: 1st Community FCU, 3505 Wildewood Drive, San Angelo, TX 76904

Offering general securities thru Momentum Independent Network, Inc., MEMBER: FINRA/SIPC, 717 Harwood St., Suite 3400, Dallas, TX 75201, 214/859-1800. *Not FDIC Insured *No Bank Guarantee *May Lose Value 1st Community Federal Credit Union is not an affiliate or subsidiary of Momentum Independent Network, Inc.