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Shares and Rates

Share Rates

We offer a variety of savings plans to suit your individual needs. As a shareholder, you earn competitive dividends on these accounts:
  • Share Accounts
  • Vacation and Christmas Club Accounts
  • Money MarketAccounts
  • Term Share (Certificate) Accounts
  • Individual Retirement Term Share Accounts
  • Individual Retirement Share Accounts
  • Youth Share and Term Share Accounts

Contact us for details on any of our accounts and we will help you find the best savings vehicle to meet your goals.


Share Draft Account
Compare the features of our share draft account with those of your current financial institution:

  • $2.00 monthly maintenance fee
  • No per check charges
  • Overdraft protection available from share account or overdraft line of credit
  • Free account access through:

    • TARA-Telephone Audio Response Anytime
    • PC Branch Home Banking

  • Ultra check debit card with overdraft line of credit protection
  • Access to PC Branch Bill Pay

Add direct deposit and we will waive:
  • $2.00 monthly maintenance fee
  • Check printing charges on basic check style

For a list of fee information, contact a member service representative.


Share Accounts

  • Primary Share Account:
    To become a member of the credit union, an individual must open a primary share account and maintain a $5.00 par share to retain membership.
  • Other Share Accounts
    • Christmas Club
    • Vacation Club


Money Market Account
Designed for the investor who does not wish to commit funds to long term certificate accounts, the money market pays higher dividends than the share account and is compounded monthly, compared with the quarterly compounded share account.


Term Share (Certificate) Accounts
Ranging in term from 13 weeks to 60 months, these time deposit accounts offer an excellent way to invest. Accounts with terms of 6 months or more offer quarterly compounding, while the 13 week term account pays dividends at maturity. Monthly transfer of dividends to a share account is available for investment vehicles with terms of 12 months or more.


Individual Retirement Accounts
Will your finances allow you to retire when you are ready? The credit union offers two investment programs for IRA accounts:

  • IRA Term Share (Certificate)Accounts
    Like the regular term share accounts, these time deposit accounts offer quarterly compounding. Deposits are allowed only at account opening and renewal.
  • IRA Share Accounts
    Open the account for as little as $250.00 and deposit any amount as often as you please, a great way to begin saving for the "good old days" to come.


Youth Accounts
In conjunction with our School Programs, the credit union offers special accounts for our members 18 years old or younger.
  • Super Saver Share Account
    There are no minimum balance requirements to earn dividends with this account. It is an excellent first investment vehicle for kids.
  • Super Saver Term Share Account
    With a 12 month term, this term share account can be opened with as little as $50.00. Unlimited deposits of $25.00 or more are allowed anytime during the term of the account.


First Catholic Federal Credit Union
9300 Cooper
Taylor, Michigan 48180
313.291.7060
Fax: 313.291.7816
info@firstcatholic.org