You'll find all of the financial services you will need at Frederica Credit Union.

Checking accounts, savings accounts, certificates of deposit, credit cards, personal installment loans, equity lines and first mortgage loans. All at the best deals in town to save you in service charges, at the best loan rates to save you even more and at the best deposit rates to make you more. And, because Frederica Credit Union is a member of the Shared Service Center network, you can conduct your business at hundreds of locations across the country.

Free Checking - With Interest
Yes, at Frederica Credit Union, your checking account is really free. No minimum balance is required to avoid those nasty maintenance fees and per check charges regardless of the number of checks you write. And, when you maintain $1,000 in your checking account, you'll earn one of the highest checking account interest rates around. Plus, you'll receive your first order of checks free and your own debit card to withdraw cash anytime you like. A great deal that can't be beat.

Savings Account (Share Account)
Saving for that dream home, children's college education or just a rainy day? You can begin by opening a Frederica Credit Union savings account. It's the easiest way to save. Plus you'll earn interest on balances over $500. It's comforting to know that your money is always accessible and within easy reach with your debit card. To help you save, you may want to have a direct deposit set up with
your employer so you pay yourself first on payday. Statements are mailed each quarter so you can watch your money grow. And, to encourage the habit of saving at an early age, children's accounts earn interest on the full balance in the account.

Christmas and Vacation Club Accounts
Looking for a way to avoid the hassles of paying for the Christmas bills or that dream vacation? Frederica Credit Union offers Club Savings accounts for those annual expenses that take the fun out of shopping or traveling. Club Savings accounts are a disciplined way to set aside funds to meet these anticipated expenses. You'll earn the same rate of interest as the Savings Account. It's the
easy way to save.

Certificates of Deposit
Lock in higher rates of return with a Frederica Credit Union certificate of deposit. You can choose a maturity date from 90 days to 36 months. Whichever term you choose, the interest rate will be guaranteed for the entire term.

Individual Retirement Accounts
Will you be able to handle what the future brings for your retirment years? Is your retirement included in your budget today? If not, take the time to consider what a Frederica Credit Union retirement account can mean for your future. A personal retirement account today can build a retirement nest egg for tomorrow. An IRA allows wage earners to direct tax deductible contributions into an account that earns tax-deferred interest. As a result your money grows faster. Because your funds can be invested in IRA certificates of deposit you'll know exactly what your interest rate will be on your investment. And, your account is not subject to setup fees or annual charges. Ask your employer today how you can start your own retirement account by payroll deduction.

Deposit Insurance Protection
The shares in your credit union are insured by the National Credit Union Administration (NCUA), an independent agency of the United States Government. You'll enjoy peace of mind knowing that your investments are insured by the NCUA up to $250,000. We can even work with you to structure your accounts so you can receive additional deposit insurance coverage above the $250,000 NCUA protection.

Courtesy Pay
With all the things we have to pay for these days, it's easy to occasionally spend more than we have. Or we might forget to log in a transaction in our checking register, leading to an overdrawn account. But now you can say goodbye to the hassle and guilt of "insufficient funds." With Courtesy Pay overdraft protection, Frederica Credit Union honors the item when you overdraw on your account, up to a preset limit. You don't have to worry about returnedcheck charges or future payment restrictions from your favorite merchants. You just pay a fee for each overdraft item on your account.

Statements Online
Do you really want your personal financial data sitting out in your mailibox? With Statements Online, you have the option of accessing your checking and savings statements 24/7 on the Frederica Credit Union website. You can also view and save statements from the previous six months. Of course, your money and your financial information are always safe and secure.