• Unlimited* amounts of withdrawals are allowed with no early withdrawal penalties.
• Stated Annual Percentage Yield (APY) is earned with only a $500 minimum balance.
• Dividends paid monthly.

Club Accounts

Christmas Club Account

• Your Christmas Club money is available on November 1st for the holiday shopping season.
• Can be opened anytime during the year.
• Dividends paid monthly.
• No minimum balance required.

Vacation Club Account

• Unlimited* amount of withdrawals without penalties.
• No minimum balance required.
• Dividends paid monthly.

Family Savings Programs

Spot Savers

• Youth Club Savings Passbook and Membership Card
• Life Insurance Policy (Certificate of Life Insurance with a maximum coverage of $5,000 paid for by NOFFCU).
• Bonus incentives for saving.
• Birthday greeting, Halloween and Easter Coloring Contest and Christmas Card Design contest
• Visit Spot's Page

Teen Smart

Our Teen Smart program is designed for our teenaged members who are 13 - 17 years of ages.

This special program offers:

• FREE Membership
• FREE checking accounts for members 16 and older with signed parental consent.
• One box of FREE checks per year.
• FREE ATM or Debit card (for those 16 and older with parental consent).
• A special quarterly newsletter.
• Access to a website designed especially for teens.
• Reaching New Heights Education Grant Program.
• Guides to Independence - Free Online course in financial matters
• Annual educational seminar.
• Visit Teen Smart page.
  

Stepping Stones*

Your Stepping Stones membership entitles you to:

• A FREE Checking Account
• FREE ATM or Debit Card
• Visa Credit Card with a $200 limit
• FREE Internet Home Banking
• FREE Internet Bill Payer
• One FREE box of checks

*In order to qualify for Stepping Stones, you must be:

• A member of NOFFCU
• A high school senior or college student with at least a 3.0 grade point average.
• At least 18 years of age

New Beginnings Club For Credit Union Members 60+

• FREE Regular Checking Account
• FREE Logo Checks (one order per year)
• FREE Stop Payments
• FREE Certified Checks
• FREE Internet Home Banking
• FREE Internet Bill Payer

*For Regular Shares, Variable Interest Plus (VIP), and Vacation Club Accounts, no more than six preauthorized, automatic, or telephone transfers may be made from these accounts to another account of yours or to a third party in any month, and no more than three of these six transfers may be made by check, draft, or debit card to a third party. If you exceed these limitations, your account may be subject to a fee or to be closed.

**No other discounts apply.