Federal Employees Credit Union

Click on any product or service in the list below
to learn more about its features & benefits.


Your Funds Are Federally Insured By The NCUA The National Credit Union Share Insurance Fund (NCUSIF) is the federal fund created by Congress in 1970 to insure member’s deposits in credit unions up to the $250,000 federal limit. Administered by the National Credit Union Administration, the NCUSIF is backed by the “full faith and credit” of the U.S. Government.

Savings & Investments


Card Services

Overdraft Protection Options


Online Services

Discount Life/Auto Insurance & Investments

Partnership Discounts

Payroll Allotment/Direct Deposit

Additional Services


Savings & Investments

Watch this short video series to learn more about the unique benefits of a credit union.

Primary Share (Savings)

When you deposit funds in to a Primary Share account, you’re actually purchasing a share of the credit union, making you part-owner and member of FECU. This account also makes you eligible for all credit union services.


Second Share Accounts

The Second Share account may be opened if you would like to save money aside for a special purpose such as a vacation or anything else you would like.

Holiday Share Account

The Holiday account is a perfect way to save for the holidays.

IRA Share Account

The IRA Share account can be used as an account to accumulate money until you have the $500.00 minimum deposit required to open an IRA Time Share Account.

Electronic Debit Share Account

The Electronic Debit Share account is for those members who want an account that can be automatically debited on a regular basis but do not want a share draft (checking) account. This account is perfect for paying those recurring bills such as utilities, credit cards, or loan payments or investing monthly in a mutual fund. You must contact the company that you want to automatically debit your account to set up automatic payments with them.


Time Share Accounts

Individual Retirement Accounts

The credit union offers Traditional, Roth, and Education IRA Time Share accounts. You can choose from 12, 24, 36, 48, and 60-month terms.




Basic Share Draft Account

Our Basic Share Draft account is great for members who prefer a no frills account.

Standard Share Draft Account

Our Standard Share Draft account is for members who can keep a small minimum balance and want some extra benefits.

Interest Plus Share Draft Account

The Interest Plus Share Draft account is for members who keep a higher balance and would like to earn dividends on their deposits.

Premier 55 Share Draft Account

The Premier 55 Share Draft account is available to any member 55 years of age or older. It has all the advantages of the Interest Plus Share Draft account. This account does not, however, earn dividends.



Card Services

ATM Card

Together with your PIN (Personal Identification Number), these cards allow you to withdraw cash, transfer funds and inquire about your account balances at thousands of Automated Transfer Machines (ATM’s) conveniently located around the world. Cards are issued to members with a FECU share draft account. Eligibility is based on the member having a good standing with their account. These cards are available at any FECU office.

FECU has joined the Privileged Status Network to offer ATM and VISA Check Cardholders access to thousands of surcharge-free ATMs. This network includes more than 500 financial institutions with over 1,300 ATMs covering 29 states. So any time you’re in need of an ATM, look for the Privileged Status Logo and be guaranteed that you will not have to pay an ATM surcharge.

Debit Card

When you use your Visa Check Card, funds are withdrawn directly from your checking account. This card provides you with instant account access whenever and wherever you need it.

Login toto manage your FECU credit card online, make payments and more!


Credit Card (Visa Classic & Gold)

Get worldwide buying power and convenience with a Federal Employees Credit Union VISA Classic or Gold Credit Card. With no annual fee, a very low annual percentage rate, a 25 day grace period and credit limits to meet your needs, these credit cards have all the features you look for in a credit card.

For your convenience, credit card payments may be made at any credit union office, or via our FREE online service, MyCardInfo. Any and all questions and problems can be handled at any credit union office by someone you know and trust.

To report a lost or stolen credit or debit card, call 1-800-234-5354 24 hours a day 7 days a week.

Apply for your card today!


Prepaid Cards

Prepaid gift cards and reloadable cards are available from the credit union for a small per card fee, and make a great gift for any occasion. Both cards can be used anywhere Visa is accepted, and additional funds can be added to reloadable cards as often as needed. Email us for details, or call or stop in at your convenience.


Overdraft Protection Options

Overdraft Protections Loans

This loan protects your share draft account. If the your checking account is ever overdrawn, advances automatically occur to ensure that all of your share drafts are paid. You write your own loan with a share draft. How easy is that?


Privilege Pay

Privilege Pay Advance is an overdraft protection program for Federal Employees Credit Union members ages 18 years and older with a personal share draft account open for at least 30 days.*

Privilege Pay Advance provides a cushion that permits you to overdraw your account up to a specified limit. By paying your overdraft in this way, you eliminate the extra expense and potential embarrassment of having a share draft returned.

Privilege Pay Advance services will automatically be activated if there are insufficient funds available from your other accounts. Most transactions, including checks, ACH items and ATM withdrawals, will be covered up to the specified limit. We will apply an insufficient funds fee for each transaction that we honor and will notify you each time your Privilege Pay Advance service is activated. This coverage will be extended to you as long as your account remains in good standing.

Once your Privilege Pay Advance service has been activated, you have up to 30 days to bring the account back to a positive balance, either through a direct deposit, transfer of funds, or a deposit at our office. After 30 days, our normal collection process begins.

Call or stop into our office for more information on this service, including a full disclosure. Or, if you wish to deny this service, please complete and submit an Option to Waive form.

*Not all members will be eligible for Privilege Pay Advance. Ask a Member Representative for full eligibility restrictions.



About FECU’s Loan Pricing: FECU offers Risk-Based Lending for all non-real estate loans. Risked Based Lending is a loan pricing model that gives the credit union more flexibility in setting loan rates. In the traditional pricing model, a loan type would be priced with a specific annual percentage rate, and a member would either qualify to receive that rate, or be turned-down for the loan. With Risk-Based Lending, the credit union establishes a range of loan rates for each loan type, and members will receive a rate within that range based on the anticipated risk of the loan. This enables the credit union to offer lower rates to members who have a stronger credit rating and history, and a slightly higher interest rate to members considered to be a slightly higher risk.

First Mortgage Loans

Federal Employees Credit Union offers conventional loans, ARMs, FHA, VA and more. In fact, the options are nearly endless. You can apply securely online now and a lender will reply shortly, or simply email Tim Wells, our Mortgage Lending Professional at timw@premierla.org, for more information.

We also offer a 7-year Mortgage Loan with a low fixed rate and less than $500 in closing costs. Contact us for details!

Federal Employees Credit Union members know that we’re not just about great rates, we’re about great service. We have the same great rates and financing options you can get at most large financial institutions, with that personalized FECU service they can’t begin to offer. At FECU, you can expect:

Whether you want to purchase, refinance, or get pre-approved, contact us today!

Auto Loans

Your Federal Employees Credit Union offers new and used car loans. Our rates and terms are designed with you in mind. New cars can be financed without a down payment for as long as 5 years. Of course rates are lower for shorter loan periods and new cars purchased with a down payment or trade-in.

Get .25% Off Your Loan Rate when you make automatic payments!
*Annual Percentage Rate. Not valid on real estate loans. Some restrictions apply. See credit union for full details.

Used autos can be financed up to 5 years depending on the year of the vehicle. Other terms and conditions also depend on the year of the vehicle. Our loan officers have

the flexibility to design a car loan that fits your budget and needs.

The best way to shop for a vehicle is with financing already approved. Our pre-approval loan program gives our members the upper hand when negotiating the purchase of a vehicle.

If you have been offered financing elsewhere, talk to our loan officers about meeting or beating the loan terms. Many times we can offer you a loan that will save you hundreds of dollars. All we ask is that you give us a chance!

Home Equity Loans

Your home is probably the most important asset that you own. We have two Home Equity Loan Programs to help you use that asset for your special needs. And you could possibly qualify for the tax advantages of this type of loan.


Signature Home Equity Loans

This loan program is for those members who qualify for a signature loan but would like to get the tax savings of a home equity loan.

Personal Loans

How many times have you needed a small loan for home or car repairs, or to purchase that special piece of furniture you’ve been looking for and finally found. Whatever the reason, our Personal Loan Program fits the need. And at rates and terms you won’t believe!

Personal Loans can be granted at rates as low as 7.9% A7R. Rates are based on each member’s credit history. In other words, the rate charged for Personal Loans is determined just for you! How much more personal can you get?

And the uses for Personal Loans are almost endless. Members have borrowed for medical & dental bills, school clothes, vacations, Christmas, purchase TV’s or air conditioners, repaint the car, adoption expenses, eye glasses, stereos, etc. Do you have something we can help you with?

Share Secured Loans

Have you ever had the need for funds, but really didn’t want to spend your savings? After all it can take a long time to build up your savings account balance to a level that makes you feel comfortable. Then use your savings as security for a loan instead of spending it. And at a rate that you won’t believe. Give us a call to find out what we can do for you!

Signature Line-of-Credit Loans

Signature loans without the hassle. Complete one loan application every two years and set up a line-of-credit loan that is there when you need it. Advances can be done in a matter of minutes. How much more convenient can you get?

Debt Consolidation Loans

This loan program is offered to those members who wish to reduce their monthly payments and/or combine their overall debt. Members must be in good standing with the Credit Union to be eligible and are subject to credit qualifications.

Multi-Purpose Loans

Your Federal Employees Credit Union offers loans for many purposes. We have loan programs to finance motorcycles, boats, recreational vehicles, classic cars, motor homes, airplanes, all-terrain vehicles, personal watercrafts, etc. You name it; we’ll try to finance it. Give us a call with your need and let us try to help!


Loan Insurance & Protection

This insurance protects you in the event you become disabled by a covered sickness or accident. After the policy waiting period has passed, your loan payments will be made relieving you of financial security worries.

This insurance protects your family in the event of your death. The insured balance of your loan will be paid so your family will not have to concern themselves with the covered debt.

Provides insurance coverage on repairs of most car parts as well as labor. Available for new or used vehicles at the time of purchase.

Vehicle values decline rapidly. That’s why your insurance settlement, in the event of an accident, may not cover your entire loan balance. Unless, of course, you have Guaranteed Asset Protection Insurance (GAP).

GAP is designed to eliminate your unpaid auto loan balance in the event your vehicle is stolen or damaged beyond repair (totaled). GAP supplements your primary auto insurance coverage.

For a one-time cost of $450.00:

  • GAP pays up to $500 per loss (limit of two losses per year) when claim is filed and paid with primary insurance carrier. (Loss means an event for which the auto insurance company has approved & paid a claim which exceeds the Covered Auto Deductible for a collision or comprehensive claim.)
  • May cover additional vehicles in your household.
  • Coverage is effective upon date of enrollment and will continue for three (3) years.
  • In the event of a total loss, GAP will even pay an additional $1,000 toward the purchase of a replacement vehicle when financed at FECU.

GAP can be purchased from us whether or not you financed your loan with us, and we may be able to add GAP coverage to your existing vehicle loan. Email us with questions or call any FECU office to discuss your options.

Used Car Price Guide

If you are either shopping for or selling a used car, be sure to look at our NADA Used Car Price Guide which are available at each office. Or if you prefer to do your research online, go to www2.nadaguides.com.

Loan Coupon Books

These coupon books provide the member with a convenient monthly billing reminder that can used to make loan payments. These coupons can either be brought in person or mailed to any of our offices.


Online Services

FREE Online Banking

Access your credit union accounts 24 hours a day 7 days a week from your computer with our FREE Online Banking service, YourCU@Home.


Get .25% Off Your Loan Rate when you use Electronic Statements! Annual Percentage Rate. Not valid on real estate loans. Some restrictions apply. See credit union for full details.

FREE Electronic Statements

Monthly statements are sent to members with qualifying transactions on their accounts. We can also generate statements based on the needs of the member whether it’s balancing their checkbook or verifying a deposit or a withdrawal. You can easily sign-up to receive Electronic Statements by logging in to YourCU@Home.



Discount Insurance & Investments

TruStage: Insurance the credit union way.

Insurance protection is part of a solid financial plan. From getting a good rate on coverage for your car to making sure your life insurance is adequate, dependable insurance coverage ensures financial relief when you need it. And along the way, you’ll take comfort in knowing you’re protected.

Click on any product below
to learn more:

TruStage insurance products and programs help members protect what matters most. Backed by nearly 80 years of working in partnership with credit unions and their members, you’ll find products for life, car, AD&D, long-term care, home and more. TruStage offers straightforward information, real value and assurance. And it’s only for credit union members like you.

To learn more, get quotes or just explore, visit trustage.com.

© CUNA Mutual Group, 2012 All Rights Reserved
TruStage™ is a marketing brand used to identify products offered through CMFG Life Insurance Company and programs offered through CMFG Life insurance agencies to credit

union members.





Partnership Discounts

A variety of offers, including Sprint Wireless discounts, GMC Preferred Pricing and Shop America online retailer discounts are available to FECU members. Click on any image below to access your discounts today!

Turbo Tax Discounts

Sprint Wireless Discounts

Sprint IIA Talk About Savings

GM Discounts

GM Credit Union Discount

Discounts at more than 1,200 retailers!

Shop America Program

Dell Computer Discounts



Payroll Allotment/Direct Deposit

Why wait in line to make your deposits? Or have a check get lost in the mail? If you receive a regular recurring payment like a paycheck, Social Security check, retirement payment, etc., chances are you can sign up for direct deposit and your check will be deposited automatically. With direct deposit you know that your check will be in your account hassle free.

Want a convenient way to make regular deposits to a share savings account or loan payment? Then payroll allotment/deduction is for you. You make the decision on how to handle your deposits and we can make it happen conveniently and simply. Talk to any credit union office for assistance.


Additional Services