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Products & Services

Savings • Checking • Direct Deposit • Loans • Other Services  • AD&D • MARS


Deposit Accounts

CD'S

  • $500.00 minimum balance
  • Monthly dividends
  • 12 - 36 month terms
    		•


     Money Markets

  • $10,000.00 minimum balance
  • Monthly dividends

     

    		•    Savings
    • $5.00 minimum balance
    • Quarterly dividends

     

      Free Checking 

    • No minimum balance required
    • No monthly fees
    • Overdraft from savings
    • Overdraft line of credit (upon credit limit approval - no transfer fee)
    • CU Check Card
    • First box of checks are free for new checking accounts

    Accidental Death & Dismemberment Insurance for Free!

    Accidental Death and Dismemberment Insurance Protects you and your family in the event of a loss of life or dismemberment due to an accident. Coverage amounts start at $1,000.00 of “No Cost” to you, the member. First Area Credit Union provides this as way of thanking you for your continued membership. An additional $10,000 coverage can be purchased at the low cost of $1.00 per $10,000 of coverage for an individual or $1.50 per $10,000 of coverage to cover you and your family. You can purchase up to $250,000.There are no medical questions and the premium is conveniently deducted quarterly from your savings or checking account.

    If you have any questions, please contact Selman & Company. the Plan Administrator, toll-free at 1-877-665-7563 Monday thru Friday 9:00am and 5:00 pm.

     


    Direct Deposit

       
  • Easy and convenient !
  • Deposit your paycheck directly into your account
  • No trips to the credit union, no worrying about your check being lost or stolen
  • First Area Credit Union´s routing number is 272484535

    •  Loans

    • New & Used auto 
    • Home Equity
    • Home Improvements
    • Personal 
    • Computer
    • Recreational Vehicle
    • Secured
    • Pre-approved loans
    • Mortgage loans through Members 1st 

     Need Cash?

    Home Equity Loan Special!

    		  


    New Home Equity Loan
    Now is the Time to Finance!

    • 5.50%*
    • 80% Equity
    • 5-Year Draw
    • 30-Year Repayment
    * annual percentage rate

     

     


    		  

    Don't Hesitate to Contact Sue @ 781-1430 or Kathy @ 642-2500

    Other Services Available

     

    		  

    • Holiday Club Account - Save throughout the year for your holiday shopping.
    • Discounted Insurance Services- Ask your credit union representative for details.
    • Annual Scholarship Program - Helping students with their college expenses.
    • Youth Accounts - Your child can become "SuperSavers!"
    • Savings Bonds
    • Visa Gift Cards - The perfect gift for weddings, graduations, birthdays, holidays, or that hard to shop for person.  Available in any amounts from $10.00 - $500.00.

     

    		  


    MARS (Member Audio Respnse System)
    Telephone Banking System - Available 24 hours a day, 7 days a week

    We´re always here for you with MARS, our telephone banking system!  MARS gives you an easy, convenient way to access your credit union accounts 24 hours a day, 7 days a week!  If you don´t have time to come to the credit union, just pick up the phone and dial (989)781-1430.  If you are calling after hours, just press 5.

    This free service is a great way to conduct credit union transactions from the comfort of your home or office.  Call the credit union for your PIN and give it a try today.

    MARS lets you:
     
  • Transfer funds from within your account
  • Check your account balances
  • See if a check has cleared
  • Make a loan payment
  • And much more
    		•  

     

    Watch for more details on these great services, coming soon!

     

     


    First Area Credit Union
    193 Campbell Ln.
    Saginaw, Michigan 48609
    (989) 781-1430 / 888-356-4930
    Fax: (989) 781-5202
    memberservice@firstareacu.com