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Personal Banking


Freedom


Choice


Premium

Member Link Plus
Digital Banking

Visa Debit Card
with Allpoint ATM
Access

First order of
Standard checks

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!

*Combined balance includes checking and savings suffixes under the same main share account. Club accounts, escrow, utility, business, DBA, Sid Saver, certificates of deposit, and IRA account balances are not included. Please refer to our Schedule of Fees for a current list of charges that may apply to these accounts. Must maintain minimum monthly balance and enroll into E-Statements to avoid monthly service fees.


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 14th 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 18th birthday