We pride ourselves on building longstanding relationships with our members. Each member is assigned a relationship level on the last day of every month. With our relationship program, you can receive special incentives and discounts just for maintaining minimum balances and active accounts.
Each relationship level is outlined below. You can find more information in the Relationship FAQ.
Student Relationship Level
- Requirements: Member under the age of 24
- Loan Discount: None
- Certificate Bonus: None
- Mortgage Closing Bonus: None
- Paper Statement Fee: $2.00 per statement*
- Relationship Fee: Free
- Coin Processing: Free
- Check Cashing Fee: Free
- Cashier's Check: $5.00
*Paper statement fee waived with eStatements
Basic Relationship Level
- Requirements: Member over the age of 24 and Does not meet the Classic or Premier criteria
- Loan Discount: None
- Certificate Bonus: None
- Mortgage Closing Bonus: None
- Paper Statement Fee: $2.00 per statement*
- Relationship Fee: $2.00 per month
- Coin Processing: 10%
- Check Cashing Fee: $3.00 per item
- Cashier's Check: $5.00
*Paper statement fee waived with eStatements
Classic Relationship Level
- Requirements: Minimum balance of $500 or Open FFCU loan or Active FFCU credit card
- Loan Discount: None
- Certificate Bonus: None
- Mortgage Closing Bonus: $100.00
- Paper Statement Fee: $1.00 per statement*
- Relationship Fee: Free
- Coin Processing: Free
- Check Cashing Fee: Free
- Cashier's Check: $3.00
*Paper statement fee waived with eStatements
Access Relationship Level
- Requirements: Access Checking account
- Loan Discount: None
- Certificate Bonus: None
- Mortgage Closing Bonus: $100.00
- Paper Statement Fee: Free*
- Relationship Fee: Free
- Coin Processing: Free
- Check Cashing Fee: Free
- Cashier's Check: $3.00
*Access Checking accounts are charged a $5.95 monthly service fee if members are not enrolled in eStatements, do 10 or more debit card transactions and have at least $500 in direct deposits
Premier Relationship Level
- Requirements: Minimum deposit balances of $10,000 or Minimum loan balances of $10,000 and Must have an active FFCU Checking account and Must have a direct deposit of at least $250 within the last 30 days
- Loan Discount: -0.25% APR*
- Certificate Bonus: 0.25% APY**
- Mortgage Closing Bonus: $250.00
- Paper Statement Fee: Free
- Relationship Fee: Free
- Coin Processing: Free
- Check Cashing Fee: Free
- Cashier's Check: Free
*Annual Percentage Rate
**Annual Percentage Yield
Premier Relationship Level
- Requirements: Minimum deposit balances of $10,000 or Minimum loan balances of $10,000 and Access Checking account and Must have a direct deposit of at least $500 within the last 30 days
- Loan Discount: -0.25% APR*
- Certificate Bonus: 0.25% APY**
- Mortgage Closing Bonus: $250.00
- Paper Statement Fee: Free***
- Relationship Fee: Free
- Coin Processing: Free
- Check Cashing Fee: Free
- Cashier's Check: Free
*Annual Percentage Rate
**Annual Percentage Yield
***Access Checking accounts are charged a $5.95 monthly service fee if members are not enrolled in eStatements, do 10 or more debit card transactions and have at least $500 in direct deposits
If you have any additional questions, please contact us. We’ll be happy to discuss your relationship with us, including how to take advantage of these incentives.
- Paper statement fee is waived for members 65 years or older or less than 18 years old.
- Check cashing fee is assessed for directly cashing a check without a compensating balance in an existing account at Fort Financial.
- HSA and business accounts excluded from relationship fee.
- All deposit accounts and loans within the individual’s membership are counted toward their qualifying level, plus any loan where the individual is a co-borrower.
- Loans must be in good standing (no more than 10 days past due) in order to be counted as a valid qualification.
- The relationship level will be assigned to the member on the last day of the month.
- Loan discount excludes mortgages, lines of credit, shared secured loans, credit cards, home equity loans and home equity lines of credit.
