ACCOUNTS AND VISA PRODUCTS

 

 Share Accounts (Savings) - Members who join the credit union can open their first share (savings) account with a minimum deposit of $25.00 or $5.00 for ages 21 and under. Dividends are paid on a quarterly basis for amounts $25.00 and over.

 

 Share Draft Accounts (Checking) - These accounts have a no minimum balance requirement, there are no monthly fees associated either. Statements are mailed on a monthly basis or online statements are available.

 

 Term Certificates - There are various lengths of time for our share certificate accounts ranging from 6 months to 36 months. Dividends can be posted directly to the share certificate, withdrawn on a monthly basis or transferred to your regular share account.

 

 Individual Retirement Accounts (IRA) - We offer Traditional, Roth and Coverdell (Educational) IRAs. These accounts can be established as a regular IRA share account or as an IRA Share Certificate account.

 

 IRA Share Certificates

 

 Christmas Clubs - The 2011 Club account started October 1, 2010. You can still open a Christmas Club anytime throughout the year. Deposits can be made in person, by mail or by direct deposit. Funds in the account will transfer to your share account on October 1, 2011.

 

 Vacation Clubs - Club accounts run from January 1st through December 31st. Two withdrawals per calendar year are permitted without penalty. Deposits can be made in person, by mail, online or by direct deposit.

 

 VISA (Debit) Check, Credit, and Gift Cards

 

LOANS

 

 Auto & Motorcycle Loans

 Personal Loans

 Share Secured Loans

 Home Equity Loans

 Mortgage Loans

 Recreational Vehicles

 Visa Credit Cards

 

SERVICES

 

 24-Hour ATMs (both offices)

 Night Deposit (both offices)

 Voice Response Unit

 Online Banking

 US Savings Bonds

 Money Orders

 Visa Debit Cards

 Notary service

 Payroll deduction

 Direct Deposit

 Visa Gift Cards

 Wire Transfer

Franklin Johnstown Federal Credit Union

Member Helping Member

Products and Services

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310 Bloomfield St 544 Vine Street

Johnstown, PA 15904 Johnstown, PA 15901

814-262-9117 814-539-5697

Federally insured by the NCUA