Services

Regular Share (Savings) Account
By depositing a minimum of $25 into a Share Savings account you become a member of First Trust Credit Union. Your membership entitles you to use all of the services and benefits offered by the Credit Union. Our Share Savings account has no monthly fee and earns dividends.
Share Draft (Checking) Account
  • No Monthly Service Charge*
  • Premier Checking
  • Access through the ATM, CU*Talk, or It's Me 247 Online Banking
  • Overdraft Protection
  • Dividends paid on qualifying balances
  • No per-check charges
  • Direct Deposit/Payroll Deduction
  • VISA Check Plus Card (No Monthly Fee)
  • Courtesy Pay
*A $1 monthly service fee will apply if the total of all deposit accounts per membership base is less than $100 on the last day of the month. Fee WILL NOT APPLY for ages 22 and under or if you receive e-statements)
Business Essential Checking

A low cost checking account for business owners with limited transaction needs. $100 minimum deposit, thereafter no minimum balance required.

Minimum to Open $100
Daily Balance to Avoid Fees N/A
Monthly Fee N/A
Activity Charge* $0.20 per check over 200
Monthly Dividend N/A
Special Features FREE Online Access

*Items include checks deposited to checking accounts

For a complete fee schedule, contact a Member Service Representative at your favorite office.

What do I need to open a First Trust Credit Union business checking account?

Business PLU$ Checking

This account is designed for companies with higher balances and transaction activities. For accounts maintaining a $10,000 daily balance, dividends are paid monthly.

Minimum to Open $10,000
Daily Balance to Avoid Fees $10,000
Monthly Fee $25**
Activity Charge* $0.20 per check over 400
Monthly Dividend YES***
Special Features FREE Online Access

*Items include checks deposited to checking accounts
**Fee only charged if balance falls below $10,000 anytime during the month
***If balance falls below $10,000 anytime during the month, dividends will be forfeited

For a complete fee schedule, contact a Member Service Representative at your favorite office.

What do I need to open a First Trust Credit Union business checking account?

Simplify with Online Bill Pay
With CU*Easy Pay you can receive and pay your bills online from your credit union checking account with just a click of a mouse.
Money Market Plu$
This attractive account features high money market rates, calculated on the daily balance. Your account can be opened with $2,500 and dividends are paid from dollar one, as long as this minimum is maintained.* For your convenience, your six free withdrawals per month can be made by check or by transferring to another account.

*A $10 monthly service fee will apply if account is below the $2,500 minimum balance on the last day of the month

Share Certificates
Our Share Certificates are designed to meet your savings needs with very competitive fixed dividend rates and terms from three months up to 60 months. You may open a Share Certificate with as little as $250. Call, check internet banking or stop in for most current rates.
IRA
Our Credit Union gives you a choice of two different IRA savings accounts. Our IRA Variable Account gives you the advantage of saving through Payroll Deduction. Our IRA Certificates earn high certificate dividend rates. Terms range from 12 months to 30 months. Our IRA accounts have no monthly or annual fees.
We are able to accept 401(k) and other IRA rollovers. Contact a member service representative at 800-276-6161 for more information.
Loans
New and Used Auto Loans
Up to 100% Financing — FIXED Rates — Terms up to 72 months
Mortgage Loans
Great rates on mortgage loans — 15 year — 30 year
FHA Mortgage Loans
  • Down Payment Only 3.5% of Sales Price
  • Credit Criteria Not As Strict
Home Equity
The term is up to 66 months and interest may be tax deductible!
Fixed Rate Home Equity
Use the equity in your home for bill consolidation, home improvements, and more. Borrow up to 80% of the appraised value at terms up to 15 years. There are no monthly fees or annual fees.
Home Equity Line of Credit
This convenient line of credit is tied to the equity in your home. Write a check for any amount, up to your pre-approved limit.
CU*Talk
Do your banking on the phone!
  1. Using your touch tone phone, call CU*Talk at 877-251-7281
  2. You will be prompted to enter your member I.D. (This is your account number)
  3. Next, you will be prompted to punch in your Personal Identification Number (PIN).
  4. From this point on , the procedure will vary depending on the transactions you wish to complete. CU*Talk will guide you through each step.
VISA Credit Cards
First Trust offers VISA credit cards with low annual percentage rates!
Other Services
  • Christmas and Vacation Clubs
  • Drive-Thru
  • Direct Deposits
  • Traveler's Checks
  • Cashier's Checks
  • Safe Deposit Boxes at some locations
  • VISA Gift Cards

Ask an employee for further information about fees and terms applicable to the advertised accounts.