To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying objects.

FCCCU Offers A Wide Variety Of Savings Products.

The first account you open when joining First Coast is called a Savings (Share) Account because you become a part owner of our cooperative association. We also offer other high interest bearing accounts to satisfy your personal saving and investment plans.

• Savings Accounts
• Certificates Of Deposit
• Individual Retirement Accounts (IRAs)
• Clubs
• Dollar Dog Kids Club^SM
• cha-ching!^SM Teen Club
• the edge^SM
  

This is the first account every member must open to begin their membership with the credit union. Earn dividends and watch your money grow as you continue to save. You can also combine some of our other services with your Savings Account, such as Direct Deposit and Payroll Deduction. See the credit union for complete details.

• $25 minimum balance
  
• Competitive dividend rates
  
• Monthly payment of dividends
  

One of the best investments to consider is a credit union Certificate. They pay a high-yield, are federally insured and can provide you with a worry-free investment. You can get started with as little as $1,000 and enjoy terms ranging from 6 to 60 months. Dividends are compounded and credited monthly.

• $1,000 minimum balance on Certificates
  
• Terms 6 months to 5 years
  
• Competitive interest rates
  
• Monthly payment of dividends
  
• Use funds as collateral for Certificate Secured Loans
  
• Minimal early withdrawal penalties may apply which may reduce earnings.

Your credit union offers a full range of IRA options that allow you to save money to supplement your pension or Social Security benefits.

• Traditional IRA – Today’s IRAs offer higher contribution limits and the amount you can contribute will continue to increase. There is also a catch-up provision for members age 50 and over. You may be eligible to deduct up to a certain amount of your contribution on your tax return. Withdrawals are permitted at age 59 1/2, and are taxed as ordinary income.
  
• Roth IRA – Your maximum contribution is not tax-deductible, but all future withdrawals are tax-free and penalty-free if the account has been open for five years and you are 59 1/2 or older, or if you are buying your first house (up to $10,000) or paying for higher education. You can also convert all or part of a Roth IRA if your combined income is $100,000 or less in the year of conversion. The amount you convert is taxed as ordinary income. There are no conversion or penalty fees.
  
• Educational IRA – Parents, grandparents, relatives, friends, and even minors (with earned income) can set up an account for any designated beneficiary under age 18. In addition to using the money for eligible college and trade school expenses, public and private elementary and high schools are now included. You can contribute up to $2,000 each year. The contributions to this account do not count toward your IRA contributions, so you can save for a child’s education and maximize your own IRA every tax year.
  

Are you borrowing too much money during the vacation and holiday season? If so, consider a Club Account to help you save money on a regular basis so you can enjoy your vacation or have the holiday season you deserve. Payroll Deduction or automatic transfer to either of these accounts makes saving easy.

• No maintenance fees
  
• Competitive dividend rates
  
• Easy way to save
  
• Convenient payroll deduction or automatic transfer
  
• Convenient withdrawal/transfer options
  
• Contact Us Today!

Dollar Dog Kids Club^SM
Learning to save and manage money is important. Thanks to First Coast Community Credit Union's Dollar Dog Kids Club, it can be fun too. It's the perfect way to teach kids ages 12 and younger the value of saving money on a regular basis. Learn More

cha-ching!^SM Teen Club
First Coast Community Credit Union's cha-ching! Teen Club is the perfect way to educate teens about good spending and saving habits. They'll get solid money management tools that you can supervise, and have some fun on the cha-ching! website.

Sign Up The Teenager You Care About!
Imagine if you had started an IRA or began investing when you were a teenager! If your teen begins saving and managing money correctly, the long term results will be huge. Call us at (386) 328-5555 or stop by the credit union for more information. And be sure to check out cha-ching! online.

the edge^SM
You're on the edge. The edge of adulthood. The edge of life. That means you're managing your finances on your own. Now you have expenses, like food, clothes, a car, or maybe school. Managing all your expenses isn't easy. Especially since after expenses, you want a little money left over for fun.

To get started on the road to managing your finances, you need to open a Savings Account at the credit union. That takes just a $25 deposit. Call 386-328-5555 for more information! And be sure to check out the edge online.

FCCCU Deposits Insured for Up to $350,000

FCCCU members enjoy an additional $250,000 insurance coverage provided by ESI (Excess Share Insurance), a wholly owned subsidiary of American Insurance, the nation’s largest private credit union deposit insurer. When added to $100,000 in NCUA Federal deposit coverage, FCCCU members can save up to $350,000 with confidence at First Coast Community Credit Union!