FCFFCU offers a variety of interest-bearing accounts to serve your savings needs.
This is an all-purpose savings account. We ask that you maintain a minimum balance of $5.00.
Share Draft Account
This non-interest-bearing checking account has no monthly fees or per check charges. Overdraft protection is also available which means you’ll never have to worry about overdrawing your account.
Make saving for the holidays easier with regular deposits into your club account. We transfer the balance October 1st to your share account.
Special Share Account
Put aside a regular amount each payday, to save for something outside of your normal realm of savings.
Save on taxes while you build a no-fee Individual Retirement Account. It’s a great way to supplement your pension and Social Security.
Share Certificate Accounts*
You can invest in certificates with terms from 6 months to 5 years. All certificates require a minimum balance of $500.00 and earn a competitive rate.
*Early withdrawal penalties apply.
Money Market Savings Account
Watch your interest rate rise as your deposits grow in this tiered savings account with no minimum balance
FCFFCU loans are offered at reasonable interest rates and are available to help you meet most major expenses. In addition, we offer 24-hour approval in most cases.
New Auto/Used Auto
Loans are available for purchasing new/used autos, motorcycles, trucks, boats and campers. Various loan terms to choose from.
Loans are available for, ATV/UTV’s, Four Wheelers, Jet Skis and snowmobiles.
Personal Line of Credit
Borrow what you need when you need it. Apply for a line of credit for maximum flexibility.
Variable Rate Share Secured
Funds in your regular share or certificate accounts may be used as collateral for loans at a lower rate than most other loans.
FCFFCU has loan options to get you into the house of your dreams in NYS. Apply on-line through the Mortgage Web Center anywhere, any time.
Use your home’s equity to free up funds for whatever you'd like: college tuition, vacation, home improvements, and more.
Apply for a loan that’s backed by your signature alone, no security necessary and finance it for up to five years.
Visa Credit Cards
Apply for a VISA Platinum Credit Card with rewards, Visa Classic Credit Card or a Share Secured Visa Credit Card.
ALL with NO ANNUAL FEES
Hassle-free overdraft protection with no overdraft fees.