Sample Comparison Table

	Freedom	Choice	Premium
Member Link Plus Digital Banking	✓	✓	✓
Visa Debit Card with Allpoint ATM Access	✓	✓	✓
First order of Standard checks is free	✓	✓	✓
Minimum Balance	None	$1,000 average daily balance	$5,000 combined average daily balance*
Dividend Bearing	No	Yes with at least a $10.00 balance. Click here for rates!	Yes with at least a $10.00 balance. Click here for rates!

Sid Saver
Age Requirement	Children under the age of 14 years
Minimum to Open	$0
Minimum to Earn Dividends	$1
Rate	Click here for current rates!
Electronic Services	EZ Access (history only), ACH transactions
Sid Saver Benefits
Child is able to deposit or withdraw Account converts to a Blue Star Teen Savings on child’s 14^th birthday

	Main Share Statement Savings	Regular Statement Savings	Premium Statement Savings
Minimum to Open	$5	$5	$1,000
Balance Required	$5	$0	$0
Minimum to Earn Dividends	$10	$10	$1,000
Dividend Rate	Click here for current rates!	Click here for current rates!	Our highest dividend savings account! Click here for current rates!
Member Link Plus	✓	✓	✓
~Main Share Savings establishes FRMCU membership. Names on the Main share determine names on all suffixes under that main share number. All signers on loans must match names on main share; a new main share will be required for loans with differing names.
Benefits of Savings Accounts
Statement savings are available to be accessed without a passbook, only an ID or ATM card needed Savings accounts are great for financial wellness, setting aside funds on a regular basis can help create an emergency fund or to achieve financial goals

	Blue Star Checking	Blue Star Savings
Minimum Age	16 years	14 years
Minimum to Open	$5	$0
Minimum to Earn Dividends	n/a	$1
Rate	n/a	Click here for current rates!
Member Link Plus	✓	✓
Blue Star Benefits
Teaches teens about saving and growing money without requiring large deposits Provides an ATM card (Limit $40.00 per day) Provides Visa Debit card (Minimum 16 years of age with parent/guardian consent) Blue Star Savings account converts to Main Share account on the teen’s 18^th birthday

Consumer and Equity Loans

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Your savings federally insured to at least $250,000.00 and backed by the full faith and credit of the United States Government. National Credit Union Administration. A U.S. Government Agency.