Deposits

Christmas Club Accounts

Tired of using your credit cards to buy Christmas presents only to take all year to pay them off and then start all over again?  Open a Christmas Club Account with direct deposit payroll and get off the Holiday spending treadmill . . .  

Read more: Christmas Club Accounts

Health Savings Accounts

We now offer Health Savings Accounts - designed to give you more flexibility and control over your health care costs.  Empower yourself to make your own health care decisions.   

 

 

 

Read more: Health Savings Accounts

Checking Accounts - Checks and Balances

Fremont Federal Credit Union offers convenient and flexible checking accounts that are catered to your specific needs.

Read more: Checking Accounts - Checks and Balances

Checking Accounts - Checks and Balances

Fremont Federal Credit Union offers convenient and flexible checking accounts that are catered to your specific needs and are low or no cost to you!

Read more: Checking Accounts - Checks and Balances

Overdraft Privilege Pay - Hassle free peace of mind for our members

It's A Privilege For Our Checking Account Members
Unanticipated expenses or mathematical errors can leave your checking account short in cash. In addition, having a check returned due to insufficient funds is tremendously embarrassing. We have created Overdraft Privilege Pay specifically for Fremont Federal Credit Union checking account members whose accounts are in good standing. There is absolutely no charge for this service unless you use it.

Read more: Overdraft Privilege Pay - Hassle free peace of mind for our members

Direct Deposit - How much is your time worth?

As much as we love seeing our members and catching up on old times each week at our teller windows, we really can't understand why you don't take advantage of direct deposit and save some valuable time!

Read more: Direct Deposit - How much is your time worth?

Savings Accounts - You work hard for your money

A primary savings account is your lifetime ticket to remaining an FFCU member and will improve your financial health by tucking money away for a rainy day.  Savings accounts can be used for anything . . . a down-payment on a house, achieving a retirement goal or just mad cash.   You name it, you save for it!

Read more: Savings Accounts - You work hard for your money

IRA Accounts - Retirement dreams start here

Retirement may seem like a long way off, but at FFCU we can make it easy to work towards your dream.   

Read more: IRA Accounts - Retirement dreams start here

Share Certificates - Smart savings accounts

Want safety and better dividends than a savings account ?  Try a Share Certificate from FFCU.

Read more: Share Certificates - Smart savings accounts

Interest Rates

Revised Rates as of November 9, 2009. All dividends are calculated on the actual daily balance.  Rates are subject to change. Fees may reduce earnings.  Contact our Member Service Department at (419) 334-4434 in Fremont or (419) 849-2570 in Woodville for more information.  

Share Certificates

Term of Certificate	Type of Certificate	Nominal Rate	Annual Percentage Yield	Min Daily Bal to Earn Dividends	Dividends Compounded
6 Month	Regular/ IRA	.7.50.50%%.50%	.50%	$1000.00	Daily
12 Month	Regular/ IRA	.75%	.75%	$1000.00	Daily
18 Month	Regular/ IRA	1.00%	1.00%	$1000.00	Daily
24 Month	Regular/ IRA	1.50%	1.51%	$1000.00	Daily
30 Month	Regular/ IRA	1.75%	1.77%	$1000.00	Daily
36 Month	Regular/ IRA	1.85%	1.87%	$1000.00	Daily
36 Month Freedom	Regular/IRA	2.25%	2.28%	$5000.00	Daily
48 Month	Regular/ IRA	2.50%	2.53%	$1000.00	Daily
60 Month	Regular/ IRA	2.75%	2.79%	$1000.00	Daily

• Jumbo Rates- $100,000.00 or more in one certificate- earn an added .15 basis points to the rate for the certificate maturity.
• Features of the 36 Month Freedom Share Certificate include a one-time additional deposit and a one-time rate bump during the term.

*IRA Certificates available in terms of 6 Months or longer.  Share Certificate Specials are offered for IRAs at our discretion.  

Share Certificate Penalties - we may impose a penalty if you withdraw any of the prinicipal before the maturity date.  For all accounts, the amount of the early withdrawal penalty is based on the term of your account.  The penalty schedule is as follows:  terms of 1 year or less = 90 dividend penalty;  terms of more than 1 year = 180 dividend penalty.

Exceptions to Share Certificate Penalties - at our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:  when an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction;  where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment, or where the account is an IRA or Keogh and the owner attains age 59 1/2 or becomes disabled.

 

 

Share Accounts

Type of Account		Nominal Rate	Annual Percentage Yield From To	Min Daily Bal to Earn Dividends	Min Amnt to Open Account	Dividends Compound and Paid
Share Account	S1/S2	.25%	.25%	$100.00	$25.00	Quarterly
Dollar Dog Kids Club Savings	S1	.25%	.25%	All Balances	$25.00	Quarterly
Cha-Ching Teen Savings	S1	.25%	.25%	All Balances	$25.00	Quarterly
Club Accounts	S3/S4	.25%	.25%	All Balances		Quarterly
Regular Checking	S8	.05%	.05%	$1000.00	$50.00	Monthly
Premier Checking	S50	.05%	.05%	All Balances	$50.00	Monthly
IRA Savings HSA Savings	S7/S17 S57	.25% .50%	.25% .50%	$.01-999.99 $1,000 and higher	$25.00	Quarterly
Money Market Savings Account	S9	0.00% 0.00% $0 - 999.99 0.25%       0.25% $1,000 - 4,999 0.35% 0.35% $5,000 - 24,999 0.50% 0.50% $25,000 - 99,000  0.75% 0.75% $100,000 and higher			1000.00	Monthly

 

Dividend Information - dividends are paid on all share accounts and share certificate accounts are subject to Credit Union earnings and determined from the previous accounting period.  Rates stated here are for previous periods or anticipated.