Deposit Products
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CHECKING PRODUCTS
No monthly fee by maintaining the Daily Minimum Balance in any of the following accounts.
Basic Checking
- No Minimum Balance
- No Monthly Fee
- Free 1st order of checks
- FREE ATM withdrawals at foreign (non-First Citizens'owned) ATM's *
- Unlimited Check Writing
- Free Monthly eStatement
- Receive 1/4% discount off Consumer Auto and Personal loan rates with Automatic Payment from a First Citizens' Checking with Direct Deposit.
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NOW Checking
- $500 Daily Minimum Balance
- Monthly Fee only $7.00 if Balance Falls Below Daily Minimum
- Free 1st order of checks
- FREE ATM withdrawals at foreign (non-First Citizens'owned) ATM's *
- Earn Monthly Dividend on Balances above Daily Minimum
- Unlimited Check Writing
- Free Monthly eStatements
- Receive 1/4% discount off Consumer Auto and Personal loan rates with Automatic Payment from a First Citizens' Checking with Direct Deposit.
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Select Checking
First Citizens' premier relationship account, allows our members to link their savings, CD's and IRA's (any deposit account) which gives them many exclusive benefits
- $5000.00 Combined daily minimum balance
- $10.00 per month if balance goes below the combined minimum
- Monthly dividend on balances above $500 (NOW account rate)
- FREE ATM withdrawals at foreign (non-First Citizens' owned) ATMs *
- FREE First Citizens' Selected Checks (and reorders too!!)
- Unlimited Check Writing
- Receive 1/4% discount off Consumer Auto and Personal loan rates with Automatic Payment from a First Citizens' Checking with Direct Deposit.
- No annual fee IRA Plan
- No annual fee overdraft line of credit
- FREE Traveler's checks
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Direct Bonus Checking
This account rewards a Bonus Dividend for your Direct Deposit into this Checking account. You can earn up to 1.00% Bonus Dividend* monthly on your Direct Deposit amount per cycle. To open this account, you must also have a Savings account with a daily balance of $1,000 to earn the Bonus. Calculate the total dividends and you could be earning yourself a high dividend!
- No Minimum Checking Balance
- No Monthly Fee
- Earn a Monthly Dividend on Balances over $500
- FREE ATM withdrawals at foreign (non-First Citizens' owned) ATM's *
- FREE First Citizens' Selected Checks
- Receive 1/4% discount off Consumer Auto and Personal loan rates with Automatic Payment from a First Citizens' Checking with Direct Deposit.
*Bonus Dividend amount is set at $10.00 maximum per month.
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Elite Checking Account
This account in combination with the Elite Money Market Statement Savings account allows you to earn higher dividends in the Money Market account depending on the balance in your account. (See rate sheet for current tiered rates.) To open this account, a direct deposit must be established into the Checking account and new funds (minimum $2,500) from another financial institution must be deposited into the Money Market Statement Savings account.
- No Minimum Checking Balance
- No Monthly Fee
- FREE ATM withdrawals at foreign (non-First Citizens') owned ATM's *
- FREE First Citizens' Selected Checks
- Receive 1/4% discount off Consumer Auto and Personal loan rates with Automatic Payment from a First Citizens' Checking with Direct Deposit.
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1st Place Checking
Our 1st Place Checking Account is now NEW and IMPROVED!! This account gives our members a higher yield and easy access to their money without locking into a term.
- Six Tiers - Depending on the Balance. The tiers are as follows:
Less than $2,500.00
$2,500.00 or more but less than $15,000.00
$15,000.00 or more but less than $25,000.00
$25,000.00 or more but less than $50,000.00
$50,000.00 or more but less than $75,000.00
Balances $75,000.00 or more
- Minimum Opening Balance of $15,000.00
- FREE ATM withdrawals at foreign (non-First Citizens'owned) ATM's*
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Hero Account
To thank our Veterans and those on active military duty.
The Hero Checking account
- Free ATM Transactions anywhere in the world!
- Earn Additional 1% Bonus Dividend with Direct Deposit*
- Free Checks and Re-Orders
- Discounts on Loans
- Higher Rates on Certificates and Savings accounts
Open a Hero account and we will donate $50 to your choice of a Veteran's Service Organization.
*with a $100 Hero Savings account
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Health Savings Accounts
A Health Savings Account (HSA) is a way for individuals and families with HSA qualified insurance also known as High-Deductible Health Plan (HDHP) to make tax deductible contributions into an account to pay for present, future and retiree medical expenses. It is an account that receives contributions (deposits) on a tax-favored basis on behalf of an eligible individual and allows tax-free distributions used to pay for qualified medical expenses.
Our HSA Checking account features include:
- Rate is tiered based on balance
- Free Checks
- No Maintenance Fees
- No Minimum Balance
- Free HSA Debit Card
- No Administration Costs
Click here for Consumer HSABrochure
Click here for Business HSA Brochure
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18/59 Checking
If you are 18 or younger or over 59 years of age you are entitled to a free Checking Account.
- No Daily Minimum Balance
- No Monthly Fee
- FREE First Citizens' Selected Checks
- Monthly Statement with Checks Imaged
- FREE ATM withdrawals at foreign (non-First Citizens') owned ATM's *
All First Citizens' Checking Accounts Enjoy the Following Benefits:
- FREE ATM withdrawals at foreign (non-First Citizens'owned) ATM's*
- FREE Online Banking
- FREE Bill Pay
- FREE eStatements
- Free Visa Checkcard
- Eligibility to our Cash Back Rewards Program
- MEMBER of the surcharge free SUM ATM Network.
- FREE Direct Access Telephone Center
- FREE Notary Public Service
* When using a non-First Citizens' owned ATM, the owner of that ATM may charge a surcharge unless the machine is within the SUM network.
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SAVINGS PRODUCTS*
Helping You Plan
Savings accounts provide a safety net, a place where your money can earn dividends, and still be "liquid"; meaning you can get it quickly. It is where you might keep your vacation money, your three-to-six month savings for emergencies, or your next tuition payment.
What is the benefit? Convenience. You use a savings account for the quick access it provides you to your money.
Not all savings accounts are created equal. Dividend rates, service fees, and transaction limitations differ from one institution to another. First Citizens' does not charge monthly maintenance fees on savings accounts.
A regular savings program should be an important part of your monthly budget. First Citizens' savings accounts are designed to deliver a highly competitive return and are insured by the National Credit Union Administration (NCUA), an agency of the federal government.
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Regular Savings
You can open your account with as little as $1.00. And, by maintaining a $100.00 daily balance, you will earn a dividend. Dividends are compounded and paid to you monthly. When choosing a Statement Savings Account, you can have a portion of your paycheck directly deposited into your account each pay period; or arrange to automatically transfer from your First Citizens' Checking weekly.
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Money Market Accounts
With a $2,500.00 minimum balance, you earn a higher dividend rate, which is compounded and paid to you monthly.
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1st Place Money Market
Our 1st Place Money Market Account gives our members a higher yield and easy access to their money without locking into term. Choose a Statement or Passbook Account with a maximum of 6 pre-authorized transactions per month.
- Six Tiers - Depending on the Balance. The tiers are as follows:
Less than $2,500.00
$2500.00 or more but less than $15,000.00
$15,000.00 or more but less than $25,000.00
$25,000.00 or more but less than $50,000.00
$50,000.00 or more but less than $75,000.00
Balances $75,000.00 or more
- Minimum Opening Balance of $15,000.00
- ATM transactions - FREE (does not include surcharges at ATM's not owned or operated by us)
- FREE Fine Line Checks
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Elite Money Market Statement Savings Account:
Tiered Rates: (See rate sheet for current rates)
Balances more than $75,000.00
$50,000.00 or more but less than $75,000.00
$25,000.00 or more but less than $50,000.00
$10,000.00 or more but less than $25,000.00
$2,500.00 or more but less than $10,000.00
Balances less than $2,500.00
You must have a Checking Account with Direct Deposit to earn the higher rates. If Direct Deposit is not established within 60 days, First Citizens' may remove the guarantee and reduce your dividend rate and APY. $2,500 minimum deposit is required to open this Elite Money Market Savings Account. This offer is limited to new accounts with new funds from another financial institution.
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Hero Savings Account
Available for U.S. Veterans and those currently serving on active Military duty
Tiered Rate (Annual Percentage Yield):
| 1.00% |
$100.00 or more but less than $1,000.00 |
| 2.00% |
$1,000.00 or more but less than $3,000.00 |
| 2.50% |
Balances more than $3,000.00 |
** must have a Hero Checking to be eligible for a Hero Savings Account
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Club Accounts
Plan ahead with Christmas and Vacation Statement Clubs. Have your weekly deposit directly deposited into your account each pay period. Open a club account with $5.00 and make additional deposits in any amount you choose. Dividends are paid on your club account annually. Receive your Christmas Club Direct Deposited to your Checking account in October and Vacation Club in June.
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TERM CERTIFICATE, RETIREMENT PRODUCTS
Term Certificates
A Term Certificate pays a higher dividend rate for investing your money for a locked period of time. We have several terms you may choose from - Three Months to Five Years with a $500.00 minimum balance. Dividends are compounded and paid to your account monthly. You may elect to have your dividends transferred to another account at the credit union; or we can send you a dividend check monthly.
Understanding Your Individual Retirement Account (IRA/SEP) *
The Roth IRA vs. The Traditional IRA
Which one is the better investment choice for you? At First Citizens', we help our members to understand the difference and are here to answer any questions you may have.
What's the Difference?
Traditional IRA - The Traditional IRA is an account which allows you to defer taxes on your earnings until they are withdrawn. Also, certain contributions are tax deductible in the year they are made.
Roth IRA - The Roth IRA is a nondeductible account that features tax-free withdrawals for certain distribution reasons after a five-year holding period. Since Roth IRA contributions are nondeductible and taxed in the year they are earned, people who expect to be in a higher tax bracket when they retire may benefit more from these accounts than from a Traditional IRA.
It is as Individual as you are.
Here we'll offer more information to help you decide if the Roth IRA is right for you. Let us look at its characteristics:
As with the Traditional IRA, you can contribute the lesser of $5,000, $6,000 if over 50 or 100% of your earned compensation a year into a Roth IRA. But unlike the Traditional IRA, Roth IRA contributions are not tax-deductible. But also, unlike the Traditional IRA, you will pay no taxes on the money you eventually withdraw if you have held the Roth IRA at least five years and also, unlike the Traditional IRA, you will pay no taxes on the money you eventually withdraw if you have held the Roth IRA at least five years and
1.) you are at least age 591/2 or
2.) you use the funds for a first-time home purchase
3.) you become disabled, or
4.) you die and leave the money to beneficiaries.
Example: The $5,000 annual contribution limit covers all your IRA options. You could put $4,500 in a Roth and $500 in a Traditional IRA, for example, or $5,000 in one or the other, but not in both.
Eligibility
Clearly, the Roth IRA opens up possibilities not available with the Traditional IRA. With the Traditional IRA you could not withdraw funds before age 59 1/2 without paying penalties. But, for example, if you are young and looking to buy your first home five years from now, the Roth IRA offers an excellent way to save at least part of a down payment, tax-deferred.
Still not everyone qualifies completely for a Roth IRA. If you are single, your annual modified adjusted gross income (line 31 on your 1040) must be less than $101,000 for you to be eligible for the full annual contribution.
Contributions phase out as modified adjusted gross income climbs to $116,000, above which you cannot make Roth IRA contributions.
Similarly, for married couples filing jointly, the income limits span from $159,000 to $169,000. Married people filing separately cannot contribute to a Roth IRA if they earn more than $10,000.
Discover the Benefits of an Education IRA
The Coverdell Education Savings Account IRA is a nondeductible account that features tax-free withdrawals for a very specific purpose - a child's higher education expense.
At first glance, the Coverdell Education Savings Account IRA looks similar to the Traditional and Roth IRA's. After all, higher education distributions are permitted from these accounts as well. The crucial difference is that while qualified higher education distributions from a Traditional or Roth IRA are penalty free, the same distributions from a Coverdell Education Savings Account IRA are penalty free and tax free.
How do I find out more about which IRA is right for me?
For help in assessing your best IRA investments, talk to a member service representative or any of the professionals at First Citizens'.
NOTE: All information contained herein is intended to act as a guide. Contact your tax advisor for further information.
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Understanding Direct Deposit
Direct Deposit allows a payer to send your check directly to First Citizens' Federal Credit Union such as your salary, pension, Social Security benefits or other regular income; and it is electronically deposited into your Checking or Statement Savings account. Instead of an actual check, you will receive a pay stub or notice showing the amount deposited into your account and your money will be immediately available at First Citizens', according to the authorized date.
Enjoy these benefits
1. Convenience
Convenience. Your check will be deposited bright and early on payday morning, no matter if you are at home, at work or on the other side of the globe. You will not have to worry if your schedule is too busy to deposit your check anymore!
2. Safety
Since your pay is sent electronically, there is no paper check to get lost or stolen.
3. Insurance
Direct Deposit funds are insured by NCUA under the same terms as your other deposits with us.
4. Your Company
To find out if Direct Deposit service is available through your employer, contact your Human Resources or Payroll department. If your place of employment offers this service, give the following information to your employer:
First Citizens' Routing Number 2113 8458 6
and your Account Number
* TRUTH IN SAVINGS Initial earnings based on dividend rate and frequency of compounding, and helps you do an apples-to-apples rate comparison.
NOTE: Terms, minimum balance, products and programs, are subject to revision/discontinuance without prior notice.
NOTE: Terms, minimum balance, products and programs, are subject to revision/discontinuance without prior notice.
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