Savings Accounts

1st Community Federal Credit Union offers savings, checking, club accounts, term share certificates, money markets and investment products to provide solutions for your commercial needs

  • 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.
  • May be used as FREE Limited Savings Overdraft Protection (see Reg D limitations) for your 1CFCU Checking account
  • 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.
  • 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

  • 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

Save for that special occasion – Education, Vacation, Christmas, whatever you want!
  • No minimum balance;
  • No monthly service fee
  • 6 FREE withdrawals or transfers per month subject to Reg D limitations (see Reg D limitations)
  • 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

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

The “Arnie Dillo” Youth Club Account is for ages birth thru 12 to teach them to start saving early!

All the Great Features of other 1CFCU Checking accounts PLUS the benefits below for $7.95 per month or reduce your fee by $4.00 by receiving eStatements and/or reduce your fee $3.95 for having a minimum 15 1CFCU debit card transactions clear your account during the month. Combine the two above and eliminate your monthly fee completely and qualify for dividends on balances up to $25,000.
  • All the basics – no minimum balance, unlimited transactions, FREE Debit/ATM card, Internet banking, Bill Pay, Mobile Banking, Text Banking and optional Mobile Deposit
  • FREE Limited Savings Overdraft Protection (see Reg D limitations)
  • No Fee 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

for members 55+
  • No minimum balance
  • Unlimited transactions
  • FREE Debit/ATM card
  • FREE Internet banking, Bill Pay, Mobile Banking w/optional Remote Deposit Capture
  • Audio Response
  • FREE Limited Savings Overdraft Protection (see Reg D limitations)
  • No Fee Loan Overdraft Protection w/approved loan application
  • & more

for members thru age 21.
  • No Monthly Fee
  • FREE Internet Banking & Bill Pay, Check/Debit/ATM card
  • FREE Limited Savings Overdraft Protection (see Reg D limitations)
  • 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

  • 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

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

 

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 Hilltop Securities Independent Network, Inc. Member FINRA/SIPC. 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@hilltopnetwork.com
Located inside: 1st Community FCU, 3505 Wildewood Drive, San Angelo, TX 76904