Services and Accounts
Checking Accounts (share drafts):
No monthly service charges with direct deposit, with no minimum balance requirements and unlimited check writing.
We offer automatic transfer from an existing account or an approved line of credit (maximum $1,000.00 with approved credit [w.a.c.]) to give you that extra sense of security and flexibility.
Debit Card/ATM Card:
All Debit Cards will have to reissued on Friday, July 1, 2022. Must have checking account to qualify for debit card.
Savings: Share savings is your membership account in the credit union. A minimum of $25.00 to open your account and dividends are paid quarterly on the entire balance. Dividends are determined at the end of each quarter by the Board of Directors. Call for current savings rates.
VISA Credit Card:
ALL credit cards will be reissued by Foothills Credit Union on Friday, July 1, 2022 at a Fixed rate of 10.99% A.P.R. with no annual fee.
Free notary service for members.
Individual Retirement Accounts (IRAs):
Deferring taxes on part of your income until age 59 or older, when your tax rate will probably be lower, makes a lot of sense. It is one of the best and wisest financial choices you can make. You may rollover or transfer IRA investments or qualified retirement plans from another institution without income tax penalties. Minimum deposits are $25.00 and dividends are paid quarterly on certificates or IRA share accounts.
Traditional IRA's can be tax deductible if you qualify with yearly contributions up to $5,000.00 ($6,000.00 if you are age 50 or older). Withdrawals may be considered as taxable income at the time of withdrawal.
Roth IRA's for those who qualify can make yearly contributions up to $5,000.00 with tax-free interest on earnings.
Call for current IRA rates.
Direct Deposit and Automatic Payments:
We can help arrange for your payroll, social security or other checks to be deposited directly into your credit union checking or savings account. Savvy members are using ACH (automated clearing house) bill paying and deposit services. We can help you automate many of your regular monthly payments, from loan, insurance and mortgage payments to utility, telephone or credit card payments.