Regular Savings (Share) Accounts
This is the basic savings account you open to begin your membership in the Credit Union. The minimum balance required is $25.00, with a one-time $1.00 membership fee.
IRA Accounts (Traditional, Roth and Coverdell Education)
Certificates of Deposit (Term Shares)
TransFund ATM card
Checking (Share Draft) Accounts
Regular Checking
Plus Checking (money market)
Visa ATM/Check Card (Debit Card)
Loans (The rate is the same, whether new or used collateral)
New and used vehicles
New and used boats and jet skis
New and used recreational vehicles
Motorcycles
Travel trailers, horse trailers and more
Personal (secured only by your signature)
Household goods
Overdraft line of credit
Share(savings) secured
Debt consolidation
Credit Life and Disability Insurance
We offers our members Credit Life and Disability Insurance on any type of loan including our credit cards. Credit Life Insurance would payoff your loan in the event you or the co-maker passed away, so your family would not have to worry about taking care of the debt. Disability Insurance will make your loan payments for you (coverage for primary borrower only) if you were out of work due to health problems. Premiums are calculated monthly and decrease as the loan is paid down. We think this is a great way to protect yourself and your loved ones from potential loss. It is a known fact that Credit Unions offer these coverages at far less than other lenders.
Guaranteed Asset Protection(GAP)
Another form of protection offered for our members is Guaranteed Asset Protection or GAP. GAP protects your loan in case your vehicle is totaled or stolen. If you owe more than your insurance company's cash value determination for the totaled vehicle, GAP coverage pays off the potential deficiency balance left on the loan with The Florist Federal Credit Union, plus you will have $1000 to pay down towards a replacement vehicle that you finance with the Credit Union. Even if the insurance settlement covers the loan balance, you still get the $1000.00. This gives you the freedom to start looking for a new car without the worry of how to come up with enough money to payoff the leftover balance from the totaled car loan. GAP is offered on various secured loans from your vehicle, travel trailer, ATV and more with a low one-time fee of $300.00 to protect the life of the loan. The cost through a dealership or a bank is normally at least $500.00.
Visa Gift Cards - Gift Card Benefits
• Accepted anywhere Visa debit cards are welcomed
But cannot be used at an ATM, for a rental car, hotel, or pay-at-the-pump gas
• Safer than cash—if it is lost or stolen, unused portion can be replaced
• Can be used 24 hours after the card has been activated
• Can be ordered at the credit union by phone, 1-800-322-0811
• Purchase for $10 to $500
• Use it for yourself instead of travelers checks
• $3.50 cost per card
Visa Classic and Platinum credit cards
If you use your Visa check card or credit card to shop online, there's a new safety feature to help protect you from card fraud. Verified by Visa lets you add a confidential password to your existing card to confirm online purchases. We encourage our cardholders to use this special security service. It's FREE, convenient, and offers protection when you shop online. To create your password, begin by clicking on Verified by Visa shown above.
Click on the link below to make a payment to your Florist Federal Credit Union Visa card:
www.ezcardinfo.com
