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	First Credit Union offers a variety of savings and investment programs. Choose one or more that best fit your needs.

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Money Market

First Credit Union Money Market Accounts

A money market account is a type of savings account that offers a higher dividend rate than a regular savings account because a minimum balance is required. The funds can be liquidated at any time without risk of loss or penalty. The funds ARE NOT invested in the stock market. The funds ARE federally insured.

A $1,000 minimum balance earns higher dividend rates based on current market conditions. Money Market accounts:

•	Have a tiered dividend structure, so you'll earn more as your balance grows.
•	Pay monthly dividends, rates may be subject to change monthly.
•	Offer higher yields with liquidity.
•	Allows you to make an unlimited number of deposits.
•	Can provide overdraft protection to your checking account, however, there is a maximum of six withdrawals/transfers from your money market account per month.

NCUA Federally Insured
All funds deposited in the credit union are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration, an agency of the U.S. Government. In addition, IRA funds are insured separately to $250,000 by the NCUA.

How to Join

You may complete an online application or fill out a printed application and take or mail it to the nearest First Credit Union branch . With your application you must:

•	Include a minimum deposit of $5. Provide a copy of your driver's license and a secondary form of identification.
•	You may also open your account by arranging for a payroll deduction, net pay deposit, or a direct deposit through your payroll department.

Add an Account for Money Market

If you currently have a First Credit Union account and would like to add an additional account please do the following:

•	Complete an online application or a printed "New Account Request" application. Once you have completed your application, take or mail it to the nearest First Credit Union branch.
•	Include a minimum deposit of $5. Provide a copy of your driver's license and a secondary form of identification.