Services

Regular Share (Savings) Account

By depositing a minimum of $25 into a Share Savings account you become a member of First Trust Credit Union. Your membership entitles you to use all of the services and benefits offered by the Credit Union. Our Share Savings account has no monthly fee and earns dividends.

Share Draft (Checking) Account

• No Monthly Service Charge
• Access through the ATM, our Audio Response Teller (ART), or Home Banking
• Overdraft Protection
• Dividends paid on qualifying balances
• No per-check charges
• Direct Deposit/Payroll Deduction
• VISA Check Plus Card (No Monthly Fee)
• Courtesy Pay

Money Market Plu$

This attractive account features high money market rates, calculated on the daily balance. There is no monthly service charge. Your account can be opened with $2,500 and dividends are paid from dollar one, as long as this minimum is maintained. For your convenience, your six free withdrawals per month can be made by check or by transferring to another account.

Share Certificates

Our Share Certificates are designed to meet your savings needs with very competitive fixed dividend rates and terms from three months up to 60 months. You may open a Share Certificate with as little as $250. Call, check internet banking or stop in for most current rates.

IRA

Our Credit Union gives you a choice of two different IRA savings accounts. Our IRA Variable Account gives you the advantage of saving through Payroll Deduction. Our IRA Certificates earn high certificate dividend rates. Terms range from 12 months to 30 months. Our IRA accounts have no monthly or annual fees.

We are able to accept 401(k) and other IRA rollovers. Call Mary for more details at 800-276-6161 or 219-879-6161 and her extension is 431.

Loans

New and Used Auto Loans

Up to 100% Financing — FIXED Rates — Terms up to 72 months

Mortgage Loans

Great rates on mortgage loans — 15 year — 30 year

Home Equity

The term is up to 66 months and interest may be tax deductible!

Fixed Rate Home Equity

Use the equity in your home for bill consolidation, home improvements, and more. Borrow up to 80% of the appraised value at terms up to 15 years. There are no monthly fees or annual fees.

Home Equity Line of Credit

This convenient line of credit is tied to the equity in your home. Write a check for any amount, up to your pre-approved limit.

ART – Audio Teller Response
Do your banking on the phone!

1. Using your touch tone phone, call First Trust CU
2. Then press the 2 for ART.
3. Press 1 to select and account
4. You will be prompted to enter your member I.D. (This is your account number)
5. Next, you will be prompted to punch in your Personal Identification Number (PIN).
6. From this point on , the procedure will vary depending on the transactions you wish to complete. ART will guide you through each step.

MasterCard

First Trust offers MasterCard credit cards with low annual percentage rates!

Other Services

• Christmas and Vacation Clubs
• Drive-Thru
• Direct Deposits

• Traveler's Checks
• Cashier's Checks
• Safe Deposit Boxes at some locations
• VISA Gift Cards

Ask an employee for further information about fees and terms applicable to the advertised accounts.