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February 2023 eNews

Offer Ends Soon!

REFINANCE YOUR AUTO LOAN FROM ANOTHER LENDER AND ENJOY

NO Payments for 90 days,

$100 cash, and

rates as low as 4.99% APR!*

Have questions?

Chat with a loan officer.

You'll love CREDIT UNIONING with us!

Apply Online

*Annual Percentage Rate. APR for auto loans is a fixed rate and will not increase during the loan term. All loans subject to approval. Terms of repayment. Example: $10,000 auto loan with a term of 60 months at 4.99% APR would have a monthly payment of $188.67. Federally insured by the NCUA. Equal Housing Opportunity. Qualified refinanced loans include auto, motorcycle, campers/trailers, and recreational vehicles. Current loans with FCCCU do not qualify for the refinance promotion of $100 cash or up to 90 days no payments. Loans approved under the First Class Acceptance program will not be eligible for 90 days no payments. All loans subject to approval.

Our Checking Accounts Offer So Much, You Would Probably Pay Monthly Fees Elsewhere...

But at FCCCU, they're still free.

Often times, things that are "free" aren't all that great...but as a member of First Class Credit Union, you have some of the best FREE checking options at your fingertips! Plus, we make it easy to open your First Class checking account - simply complete & submit this secure form.

FREE Checking

Ages 13-18

Free financial education courses available & encouraged
No minimum balance
No maintenance fees
No annual fee debit card* with no min. or max. usage requirements (age 16+)
VISA Reloadable cards for ages 13-16
No fees for direct deposit regardless of frequency

More details

FREE Checking

Age 18+

No minimum balance
No maintenance fees
No annual fee debit card* with no min. or max. usage requirements
No fees for direct deposit
Courtesy Pay overdraft protection available

Learn more

Plus, Enjoy These FREE Services with Our Checking!

*These services may require approval. Members age 16-18 must complete the Checking Account Management course.

Understanding Your Debit & Credit Card Expiration Dates

All debit and credit cards have a month/year expiration date, but did you know those expiration dates refer to the end of the month rather than the beginning?

For instance, if you have a debit or credit card with an expiration date of 02/23, you can use your card through the last day of February. Your new card will arrive in the mail around two weeks prior to the end of the month the card is expiring. So, in the example above, a member whose card is expiring on 02/23 will receive their new card mid-February.

Things to know about your new card:

It will arrive in a plain white envelope.
You can follow the instructions to activate & begin using your new card as soon as you receive it. You do not have to wait until your current card expires.
The mailing will contain information about changing your card PIN, if desired.
Shred and safely dispose of your expired card.

The Process to Make Loan Payments Via an Auto Transfer Has Changed

If you have a loan with FCCCU and make your payments via an auto transfer from your savings or checking account, it's important to make sure funds are available prior to your payment due date.

In the past, if funds were not available on the due date, multiple attempts to pull funds over multiple days after would occur. However, the process has changed and there will only be one attempt to pull funds, on the due date. If funds are not available on the due date, you may receive a late payment notice.

If you anticipate funds will not be available on your loan payment due date, please contact us at least one business day prior to make other arrangements or make your payment manually.