--> What you can find on this page:
PRODUCTS AND SERVICES
LOANS
- Home repairs
- Vacation
- Back-to-School
- Holiday
- Refinancing
- Debt Consolidation
- Taxes
- Computer
- Emergency loans
- Auto loans
- "Plastic Payoff" Loans
SHARE/SHARE DRAFT ACCOUNTS
Share (Savings) Accounts: Our share savings account offers Direct Deposit/Payroll deduction through your employer or retirement to meet your financial needs. Stop by the credit union to open a membership acount (photo ID required)
- Regular savings
- Youth Savings Program (Up to 12 years)
- Young Adult Savers (13 - 17 years)
- Vacation Club Accounts
- Christmas Club Accounts
- Spring into Savings
Share Draft(Checking) Accounts
- First 50 checks free!
- No minimum balance requirement
- Free overdraft protection (from share account)
- Unlimited check writing privileges
- No monthly fee with $1,000 minimum balance
- Direct deposit of paychecks available
SPECIAL SERVICES
- Direct Deposit of Federal payments (routing #: 236084816)
- ETA accounts -
(Electronic Transfer Accounts gives you a low-cost, convenient way to receive your Federal benefit or payments)
- Money Orders
- Septa Tokens
- Credit life and disability insurance available on loans
FINANCIAL EMPOWERMENT THROUGH EDUCATION
- Credit counseling
- Financial seminars
- Quarterly newsletters
WHAT'S SO SPECIAL ABOUT CREDIT UNIONS?
- Unlike other financial institutions, Credit Unions are owned and run by
its members.
- Members make up the Board of Directors who manage and elect officers to
handle the business and operation of the Credit Union.
- Members make up the Credit Committee which make the decision on approving
loan applications
- Members make up the Supervisory Committee which ensures compliance to established guidelines for the Credit Union operation.
YOUR CREDIT UNION HAS THREE MAIN FUNCTIONS:
- Help you save regularly
- Loan money at fair interest rates
- Advise you on how to use money wisely
YOUTH SAVINGS CLUB
What is the Youth Savings Club about?
The Youth Savings Club is a fun way to save money and be rewarded for making
deposits. You have to be no older than 12 years old to join.
Here's how it Works!
Every time you make a deposit of $1.00 or more you'll receive stickers. The
number of stickers you receive depends on how much money you deposit.
| Deposit Amount |
# of stickers |
| $0.25- $5.00 |
1 |
| $5.01- $15.00 |
2 |
| $15.01- $30.00 |
3 |
| $30.00 + |
4 |
Simply collect your stickers then trade them in for a prize of your choice.
There's more...
Youth Savings Club and Young Adult Savers members will be given identification (I.D.) cards which will allow them to participate in exciting events hosted by the Credit Union:
- Skating parties
- Bowling parties
- Gift certificates
- Special event programs
- Zoo trips
- Workshops
- Quarterly drawings
YOUNG ADULT SAVERS(ages 13-17 years)
A SPECIAL offer for Young Adult Savers ONLY!
- Monthly drawings for gift certificates from Blockbuster, McDonalds, Tower Records, etc.
- For your senior year in high school, your Credit Union will contribute 10%
to your deposits (up to $100) based on you maintaining a consistent deposit history over the course of your high school years
- First order of checks free when you open a share draft account for college
Here's how you can join
Just fill out a membership sign-up form and open a savings account with a $6.00 deposit. If you already have an account, ask a Member Service Representative to convert your account.
TBFCU SAVINGS RATES
| ACCOUNT TYPE |
APR* |
APY |
Minimum Deposit |
| Regular share |
.25% |
.25% |
$25.00 |
| Regular share (youth) |
.25% |
.25% |
$5.00 |
| Club Accounts |
BOD determined |
BOD determined |
$5.00 |
*Rates are subject to change as determined by the TBFCU Board of Directors. Minimum balance of $100.00 required to earn APY on regular share accounts and fees may reduce earning on the account.
TBFCU FEE SCHEDULE
| ACCOUNT TYPE |
FEE
|
| SHARE ACCOUNTS(Savings) |
(see fees below)
|
| Initial deposit |
$30.00 (includes $5.00 joining fee)
|
| Initial deposit (Youth) |
$6.00 (includes $1.00 joining fee)
|
| Dormant account fee (Annually) |
$5.00
|
| Dormant account fee(2nd year, Annually etc) |
$25.00
|
| Reconciliation fee (per hour) |
$25.00
|
| Address trace fee (due to return mail) |
$10.00
|
| Early withdrawal of Club account |
$25.00
|
| LOANS |
(see fees below)
|
| Loan application fee |
$20.00
|
| Late loan payment (10 days late) |
$10.00
|
| MONEY ORDERS |
(see fees below)
|
| Money Order fee |
$0.75
|
| Stop payment of money order |
$5.00
|
| Copy of money order |
$2.00
|
| Fax of money order |
$4.00
|
| Information retrieval |
$2.00
|
| SHARE DRAFT ACCOUNTS(Checking) |
(see fees below)
|
| Initial deposit |
$25.00
|
| Monthly service charge |
$7.00
(No fee with a minimum balance of $1,000)
|
| Stop payment of check |
$25.00
|
| Draft copy |
$4.00
|
| Return item |
$20.00
|
| Return deposit item |
$20.00
|
| Overdraft protection from savings |
FREE!
|
| Overdraft fee |
$5.00
|
| Insufficient funds |
$20.00
|
| SEPTA TOKENS |
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