Personal Checking
Get all the checking features and benefits you deserve and make the switch to UFCW Credit union. We are here to serve you – our members – not to nickel and dime you like some other financial institutions. Give us a call or stop by a branch to see how easy it is to transfer, or open, your new checking account at UFCW Credit Union!
Enjoy these features with a UFCW Credit Union Checking Account:
- No direct deposit or balance requirement
- No per check fees
- Direct access to funds with your MasterCard Debit Card (Purchase and ATM)
- Free 24-hour online and mobile account access
- Free EzPay, Statements and Check Images
Important Information About Your UFCW Membership
UFCW Credit Union members with checking accounts will be assessed $3.00 per month ($2.00 with e-Statements). To enroll in e-Statements and save $1.00 per month, please visit your Online Banking page and click the e-Statement link at the bottom of the left menu. Once there the system will lead you through the process of enrolling. If you are not currently using Online Banking, visit www.ufcwcu.org and click on the Online Banking menu item near the top. From there, simply sign up for Online Banking and then access the e-Statement link at the bottom of the left menu. Your $1.00 monthly reduction will begin the first business day of the month following the date you sign up for e-Statements.
MasterCard Debit Card
The UFCW Credit Union MasterCard Debit card is versatile and convenient. It serves as your ATM card, and can also be used to make purchases at millions of merchants worldwide, wherever MasterCard is accepted. It is faster and easier than writing checks and each transaction is deducted from your checking account and itemized on your statement. Best of all, you never pay a finance charge or annual fee.
If your card has been lost or stolen call the Rosie the Phone Teller number 562-803-0329. It will prompt you with the following:
After salutation:
- For Main Menu of services press 1
- To Activate a New Card press 2
- To report a card lost, stolen or not received press 3
- To block a specific card number press 1
- To block all cards on account press 2
- Then enter the card information.
If the Credit Union is open please contact a representative.
Personal Savings
Every UFCW Credit Union membership begins with a small membership fee and a savings account opened with a minimum of $25. Our personal savings accounts are a great way to put away some money for a rainy day, or save for something you want or need.
Our savings accounts feature the following:
- Account access through ATM, telephone, Online Banking or Mobile Banking
- Dividends (interest) paid on balances of $1,000 or higher
- Dividends paid monthly, with higher balances earning higher rates
- Federally-insured deposits up to $250,000 by the NCUA
Money Market Account
UFCW Credit Union Money Market Accounts allow our members to earn more than traditional savings accounts, without the limited access of share certificates. Money Market Accounts require a minimum balance of $2,500.00, and higher balances earn greater dividends. Dividends are paid monthly.
UFCW Credit Union’s Money Market Account offers these great features:
- The opportunity to make a limited number of withdrawals each month
- Free and no fee automatic transfers
- Free 24-hour online account access
- Deposits federally insured up to $250,000
Individual Retirement Accounts
IRAs are among the best ways to achieve financial security in retirement. Most of our members can deduct at least a portion of their annual contribution to a Traditional IRA from their taxes, and IRA earnings are tax-deferred until you begin withdrawing funds at retirement.* UFCW offers many IRA options to meet your needs, including Traditional, Roth and Coverdell Educational Savings Accounts (formerly called Education IRAs). Click here for a listing of our current rates and terms.
Roth Individual Retirement Account (IRA) – A Roth IRA is a retirement account that permits individuals to set aside money each year with earnings that may be tax-free upon withdrawal at age 59 ½ or later. Roth IRA contributions are generally not tax deductible. UFCW recommends speaking with a tax preparer and financial advisor to build a suitable retirement plan for you and your family. A Roth IRA is federally insured to at least $250,000. Click here for a fillable Roth IRA application.
Traditional Retirement Account (IRA) – A traditional IRA is a tax-deferred retirement account that permits individuals to set aside money each year with earnings tax-deferred until withdrawals begin at age 59 ½ or later. All or a portion of your Traditional IRA contribution may be tax deductible in the year it is made. UFCW recommends speaking with a tax preparer and financial advisor to build a suitable retirement plan for you and your family. A Traditional IRA is federally insured to at least $250,000. Click here for a fillable Traditional IRA application.
* Consult your tax advisor regarding IRS rules on tax deductibility and tax deferral.
Christmas Club Accounts
Take the financial stress out of the holidays by automatically saving a little money each month in a Christmas Club Account. Determine how much you’ll need to cover your holiday shopping and travel expenses, then set up an automatic monthly deposit to reach your savings goal. During the first week of November, we’ll send you a check or transfer your Christmas Club savings to your checking account! It really is that simple.
Download a fillable form to start your Christmas Club Account here.
Vacation Club Accounts
Want to get away without stressing about using credit cards to pay for your next vacation? Why not set up a Vacation Club account? Determine how much you’ll need to cover your travel expenses, then set up an automatic monthly deposit to reach your savings goal. During the first week of June, we’ll send you a check or transfer your Vacation Club savings to your checking account! Seem too simple? That is really all there is to it.
Won’t it be nice to truly relax on vacation without worrying about how you’ll pay for it?
Download a fillable form to open a Vacation Club Account here.