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Family Security Credit Union :: Alabama

Personal Products & Services

Family Security Credit Union offers a wide variety of personal products and services that are second to none.

Simply click on the  > in the list below for more information. To take advantage of any of these products and services, call or visit your most convenient branch location.

Share Accounts

A $25.00 minimum balance in this account is required to become a member of Family
Security Credit Union. This account is the cornerstone of membership and provides member voting rights. Dividends are paid on a monthly basis and free life savings insurance is included for eligible members.

Checking Accounts

Our checking account features no minimum balance, no monthly service charges, no per check fees. Overdraft protection is available to prevent the return of checks due to insufficient funds. Visa Check Cards are also available with no monthly fee.

Give Me A Break Checking

This account is designed to help members with prior checking account problems re-establish their checking account history.  No minimum balance is required.  Members will be provided a budgeting and financial management packet at account opening along with a free consultation with our financial counselor.  A $10 per month service fee will be charged.  Other standard checking account fees will apply (NSF, Stop Payment, etc).  Extended holds will be placed on all check deposits (excluding Government issued checks and recognizable payroll checks).  Members with a Give Me a Break Checking Account can apply for a free checking account after 12 months in good standing (no NSF’s or negative balances).

Senior Class Accounts

In addition to all the features of our regular checking account, this account for members age 50 and older includes free checks, notary service, Travelers Cheques, copy machine service, and invitations to special seminars and events.

Club Accounts

Our club account is a great way to save money for that vacation you've been wanting to take or to have cash for the holidays. Deposits can be made anytime you choose and you can withdraw your money anytime you're ready with no penalties.

Blissful Beginnings Accounts

This account is designed especially for the engaged couple and provides a unique addition to Bridal Registries and allows family and friends to contribute monetary gifts for the couple.  Family Security provides announcement cards for shower or bridal invitations. Family Security will contribute a $50.00 gift to the Blissful Beginnings account once a copy of a valid marriage license is presented.

Youth Savings Accounts

Youth savings accounts are available for children and teens 18 years of age and younger. These accounts are designed to reward them for learning to save for the future.

Daily Action Accounts

This account allows you to earn higher rates of interest without tying up your money. A minimum balance of $2,000 earns date-of-deposit to date-of-withdrawal interest each month with no penalties. Up to six preauthorized or check withdrawals per month are allowed with no more than three of these by check.

Certificates of Deposit

Our certificate of deposit account has a minimum balance of $1,000 and is offered for a variety of terms to meet your needs. Interest is compounded monthly on these high yielding accounts.

GREAT Rates!

IRA's

Both IRA share accounts and certificates of deposit are available. Deposits are accepted up to the maximum allowed by law each year.

Financial Counseling

Family Security is proud to offer a financial counseling program that strives to help members regain control over financial hardships. Members can also turn to Family Security Credit Union for assistance with personal and family budgeting, setting and achieving financial goals, learning to reduce debt, understanding credit reports and balancing your checkbook. This service is available to our members at no cost.

Insurance

You trust Family Security Credit Union to provide you and your family with quality products and services to meet your financial needs. We've joined with a dedicated team of insurance professionals to bring you the MEMBERS® Auto and Homeowners Insurance Program.

Loans

Look to Family Security Credit Union for all your loan needs. We have loans available for automobiles, recreational vehicles, farm equipment, educational expenses, vacations, and almost anything else you can imagine. We also offer a variety of both first and second mortgage products.

VISA Credit Cards

Our credit cards feature low interest rates, no annual fees, and a 25-day grace period on purchases. Our cards also feature 24/7 telephone support and online account access.

Visa Platinum - lowest interest rate card

Visa Platinum Plus Rewards - low rate, merchandise and travel rewards

Visa Signature Cash Rewards - low rate, 1% cash back on all purchases, Visa Signature Rewards

Student VISA Card

The Student Visa Card is designed to help the recent high school graduate start building their credit.  Each applicant is counseled on the credit process and the importance of responsible use.  With credit limits up to $300.00.

Payroll Deduction

Payroll deductions are available from select employers and are easy to begin. This is a great way to help you save both time and money. You can choose to have your deduction posted to as many accounts as you wish.

Direct Deposit

Don’t wait in line to deposit your pay check. Direct deposit is the safe, convenient way to deposit your check on payday and is available from most employers.

And More...

  • eStatements
  • Internet Access to Account Information
  • FREE Internet Bill Pay
  • Notary Public
  • Medallion Stamp Signature Guarantee
  • Traveler’s Cheques
  • Money Orders
  • Cashier’s Checks
  • Wire Transfer Service 
  • VIGO International Remittance
  • U.S. Savings Bond Redemption
  • Safe Deposit Boxes (at some branch locations)

Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members.  CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty states of the United States of America. Other insurance products are offered by Family Security Services Inc., a wholly-owned subsidiary of Family Security Credit Union and are not obligations of or guaranteed by Family Security Credit Union.



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Retirement Road Test
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Online Check Images

Members can view images of their cleared checks online via FSCU@HOME at no charge! With this feature, you can just click on a cleared check number in your Share Draft account history and view a scanned image of your actual check! You will also be able to save the image to your computer or print out a copy for your personal files. Click Here for an example.

 

 

Family Security Credit Union

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This credit union is federally insured by the National Credit Union Administration.   Equal Housing Lender

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