Products and Services

At Team First Federal Credit Union, we recognize that you have a million things to do each day. We want to do our part to help you simplify your life. As a result, we offer a wide variety of convenience services that can be utilized by our members. Listed below, you will find details about all the convenience services we offer. And the best part is that these services are either completely free to our members or offered at a discounted rate!


FIRST MORTGAGE

Whether you’re looking to purchase your first home, or want to refinance your existing mortgage, Team First Federal Credit Union has an extensive selection of services and products designed to meet your budget needs. We offer competitive rates, low fees and a variety of terms!


HOME EQUITY LOANS


  • Borrow up to 80% of the value of your home minus the balance of your current mortgage

PERSONAL LOANS


  • Personal signature loans available up to $9,000

CO-MAKER OR SHARE SECURED LOANS


  • Loans available to help establish or rebuild credit history

AUTOMOBILE LOANS


  • Financing available for purchase of a new vehicle up to MSRP or a used vehicle 7 years old or newer up to NADA value.
  • Credit Committee review and approval required for financing on the purchase of a used vehicle 8 to 10 years old
  • Refinancing available for automobile loans from other financial institutions

MOTORCYCLE LOANS


  • 100% financing available for purchase of a new motorcycle or a used motorcycle up to 7 years old

RV/CAMPER LOANS


  • 100% financing available for purchase of a new RV/camper or a used RV/camper up to 7 years old

CREDIT LIFE INSURANCE


  • Optional insurance available to our members for an additional fee
  • Covers up to $30,000 loan balance per member in the event of death

CREDIT DISABILITY INSURANCE


  • Optional insurance available to our members for an additional fee
  • Covers up to $600 per month

FLEXIBLE PAYMENT OPTIONS


  • Payments can be attached to your direct deposit/payroll deductions
  • Set up automatic payments or make payments at either of our two office locations
  • Use online banking to transfer payments from your share/savings or share draft/checking account

In addition to our wide variety of traditional banking services, Team First Federal Credit Union offers a range of savings and investment services to meet your needs. All accounts are insured by the National Credit Union Association up to $250,000.


SHARE/SAVINGS


  • Deposit of $5.00 gives you membership
  • All accounts earn dividends
  • Deposits can be made in person or by mail or through direct deposit or payroll deduction
  • Withdrawals can be made at either office location, through online banking check request, or you may call the office and request a check

EDUCATION SAVINGS ACCOUNT (ESA)


  • Secure way to save for your child's education
  • Open an account with $5.00 deposit
  • All accounts earn dividends
  • Can be used for ANY education expense
  • NO FEES

HOLIDAY / VACATION CLUB


  • Perfect way to save for the holidays or a vacation or special event
  • No minimum or maximum deposit amount each week
  • Deposit at any time, in any amount
  • Make a withdrawal at any time with no penalty
  • Earn dividends with $5.00 minimum balance
  • Withdrawals can be made at either office location, through online banking check request, or you may call the office and request a check
  • Contribute to account in person or by mail or through direct deposit or payroll deduction
Holiday Club
  • Funds are automatically transferred to your share or share draft account on the second Monday in November
Vacation Club
  • Funds remain in account until you choose to withdraw them

CERTIFICATE OF DEPOSIT


  • Choose the term you want
  • Earn a higher dividend rate than with share accounts
  • CD automatically renews at current dividend rate at time of maturity
  • Penalty charged for early withdrawal

IRA - TRADITIONAL AND ROTH


  • Secure way to save for your retirement
  • Earn dividends with $5.00 minimum deposit to open the account
  • No fees charged if account is maintained until age 59 1/2 (closure fee of $10 charged if account is closed prior to age 59 1/2)
  • Deposited funds may be tax deductible
  • Withdrawals may be tax-deferred

Safe, convenient, personalized investment choices for you and your family. Team First Federal Credit Union has all the options you need. Contact us today!

Free Home Banking


  • Verify your balances with real time information available 24 hours a day/7 days a week
  • Transfer funds between accounts
  • View copies of cleared share draft/checks up to three months old
  • Order new checks
  • View monthly statements faster and more securely than with paper statements by logging on to our website to view up to six months of statements online (available second business day of each month)

SHARE DRAFT/CHECKING ACCOUNT


  • FREE to members
  • No minimum balance required
  • Unlimited share draft/check transactions
  • Free MasterCard Debit Card with unlimited transactions at ATMs or merchants
  • Overdraft protection with automatic transfers from savings account to cover clearing share draft/checks
  • Receive your first box of checks FREE
  • Deposits insured up to $250,000

Visa Credit Card


  • Credit Card Agreement
  • Special low interest rate for members
  • Convenient way to make purchases all month long and then make just one payment

NOTARY PUBLIC SERVICE


  • FREE to members - no appointment necessary

DIRECT DEPOSIT/PAYROLL DEDUCTION


  • Funds are deposited in your account first thing in the morning, so there is no need to drive to the credit union
  • Automatic transfers for loan payments or savings account deposits available free

WIRE TRANSFERS
(DOMESTIC)


  • Funds sent the same day
  • Safe, secure way to send large amount of funds to another financial institution

CERTIFIED CHECKS/CASHIERS CHECKS


  • FREE if issued payable to the account owner
  • Available payable to third party for small fee

WESTERN UNION QUICK CASH


  • Send funds for pickup at any Western Union office in the United States for a small fee

From new and used automobile loans to home equity loans to personal loans and more, Team First Federal Credit Union can help you with all your loan needs. Applications can be completed on our website, over the phone or at either of our two convenient Lancaster office locations. Loan rates change daily, so please contact us to find out our current available rates.