Savings Account: Our Savings account is the cornerstone of your membership here at our credit union. This account can be opened with as little as $5.00, and this minimum must be maintained at all times. Four Seasons FCU makes saving money a breeze with account services such as FREE Payroll Deduction, FREE Direct Deposit, and FREE Automatic Transfers between accounts.
Secondary Savings: With our Secondary Savings Account, you can easily save for that next vacation, that new big-ticket item, or simply just have another account to store your money for organizational purposes. This account offers the same great benefits as our Savings account.
Premium Savings: Our Premium Savings account is similar to a money market savings account. While this account does have a $2,500.00 minimum balance requirement, it earns a higher dividend rate than our Savings account.
RETIREMENT (IRA):
IRA Savings: With our IRA (Individual Retirement Account) Savings Account, you can easily save for retirement while receiving market-competitive rates on your account. IRA Savings Accounts could allow you income tax advantages while you grow your retirement nest egg. Our IRA Savings Accounts can be setup as either a Traditional or a Roth account, and we can also accept your direct transfers or rollovers from other qualified retirement plans.
IRA Certificate: Four Seasons FCU offers Traditional and Roth IRA Certificates for your long-term savings needs. Just like our IRA Savings Accounts, our IRA Certificates could also allow you income tax advantages. Whether you are making a rollover or direct transfer from another financial institution or qualified retirement plan, or whether you would like to set up a brand new IRA, Four Seasons FCU is here to accommodate your needs and give you the expertise you can count on. For individuals who need a more flexible certificate, try our Easy Access IRA Certificate Account that lets you make up to one withdrawal per month without penalties! Ask for more details!
CHECKING ACCOUNTS:
Choice Checking: Are you looking for a no-frills checking account?
We offer this account with NO monthly fee and NO per-check fee! While this account does not have an initial minimum balance requirement, you can earn monthly dividends (earnings) on your account should you keep a balance of $100.00 or more! Your checking account shouldn’t be complicated, and with this straight-forward and simple account, you shouldn’t go wrong.
Senior Choice Checking: This account is offered to members age 62 and older. While this account has no minimum balance requirement, monthly dividends are earned when the daily average balance exceeds $100. Dividends are applied to the account at the close of the last day of the month. This account offers discounts, which include: one FREE box of basic-style checks per year; $1 fee per Money Order purchase; and $2.50 fee per Cashier’s Check purchase.
Select Checking: Do you have an organization, church, non-profit entity, reunion, or club that is in need of a checking account? Our Select Checking Account offers some of the same great benefits as our Choice Checking account.
Premium Checking: Our Premium Checking is similar to a money market checking account. While this account does have a higher minimum balance requirement, it earns a higher dividend rate, which gives you a better return on your money.
New Leaf Checking: For people who have had a prior tarnished financial history, this account offers you a chance to turn over a new leaf. The account has a monthly fee, but if you maintain the account for at least 12 consecutive months without a negative balance, you may request us to review your account for eligibility to be upgraded to another checking account type that has no monthly fee.
OTHER ACCOUNTS:
Certificate Accounts: Four Seasons FCU offers Step-up, Regular, and Jumbo Certificate Accounts for your savings needs. Our Certificates have terms as short as 6 months and as long as 5 years. Enjoy great market-competitive rates and the peace of mind knowing that your money is secure. Ask us for more details!
Christmas Club: A special account that allows our members to prepare for the holiday season. Deposits can be made over the counter, by payroll deduction, or with our in-house automatic transfer system. Dividends are compounded and credited annually on October 31st of each calendar year.
