Your membership is rewarded at every turn

Share Draft Accounts

Share Savings Accounts

Special Savings Accounts

A Few More of Our Accounts

Happy little girl opening present

Christmas Club

Our Christmas Club accounts are an excellent way to save for the holiday season. No minimum deposit is required to open the account. Members may make deposits to the account on their own or set up a convenient automatic deduction. Christmas Club funds are transferred in Mid-October to the share savings or share draft account. If funds are withdrawn prior to the scheduled transfer date, an early withdrawal fee of $15 will be assessed for each occurrence.

Two hands held together

Share Certificates of Deposit

Share Certificates of Deposits are offered to members who want a higher dividend rate (some restrictions may apply).

Convenient Money

The Convenient Money Certificate allows you to make deposits and withdrawals.  The Certificates are available in 1 and 2 year terms.  The rate is dependent upon whether the member is depositing a minimum of $1,000 or $10,000.  Members are allowed to make 1 withdrawal and 1 deposit per month.  The minimum transaction amount is $250.  If the transaction amount takes the balance below the minimum balance required, a penalty will be applied and the certificate will be closed.

A recently retired couple enjoying their time on a dock

Individual Retirement Accounts

Members may save for retirement through this program.  It is exactly like any other IRA account and generally pays higher dividends than other institutions.  These are offered in the form of accumulation accounts or certificates, whichever the member prefers. I.R.S. maintains very strict regulations governing IRAs and members should consult their tax adviser for deductibility.

rear view of young couple looking at their new house

Insured Share Management Account - ISMA

This account is between a regular share account and a share certificate.  The dividend rate is higher than a regular share account, yet it allows the member a limited number of withdrawals per month.  There is a $3,000 minimum balance, and $500 minimum deposit or withdrawal.  There is not a limit to the number of deposits allowed per month. We also offer a Jumbo ISMA - minimum balance of $100,000 with minimum deposit / withdrawal of $500.

ATM & VISA Debit Cards

  • Withdraw funds from your Share Savings or Share Draft account
  • Must have an account in good standing to qualify for the card
  • Up to 4 withdrawals per month at a foreign ATM - free! After 4th ATM withdrawal - $1 per transaction
  • Make purchases online and in stores with your VISA debit card.

*If you wish to change your PIN on your Visa Debit Card, call 1-800-503-9249. Must have the reference number from your original PIN mailer.

  • To report lost or stolen VISA cards, call 888-241-2510

Direct Deposit with Convenient Payroll Deduction

  • Convenient and easy way to save money.
  • Your payroll deductions can be allocated to savings, Christmas clubs, your children's accounts, IRA, money market, loans, etc.
  • The amount of your deduction can be changed at any time.

To report lost or stolen VISA cards, call 888-241-2510

im247_online_banking (1)

With It'sMe247 Online Banking, you can keep in touch with your credit union accounts any time, from any place life takes you!  If you have a computer, smart phone, or tablet, and a connection to the Internet, you can use It'sMe247 to check balances, transfer money, and stay connected with your credit union accounts around the clock.

Apply for a Loan

Pay Bills Online

Transfer Funds

View Account Balances

Search for Cleared Checks

View Transactions

Share Accounts

A share account at FedTrust FCU is not only a savings account but also the way to establish your membership in the credit union.  Once you become a member, you then become eligible for other credit union products, such as a share draft account, certificate of deposit, loans, and more.

Share accounts can also be used as collateral for loans.  A Share Secured loan is a great way to establish or re-establish your credit.

  • $5 minimum opening deposit
  • Earns dividends
  • No monthly service fees
  • Can be used as collateral for a shares secured loan
  • ATM card
  • Online/Mobile Banking
  • Telephone Banking

Share Draft Accounts

A Share Draft account works much like a regular checking account.  At FedTrust FCU, we do not require a minimum balance or monthly service fee.  Our checking accounts come with our overdraft protection program.  We will transfer funds from savings to checking if the funds are available for a $5 fee.  We also offer Courtesy Pay, which will allow checks to be covered up to the amount of the previous month’s deposits or $1,000, whichever is less.  You must be approved for a Share Draft account and our Courtesy Pay program.

  • No minimum balance
  • No monthly service fee
  • Courtesy Pay
  • Overdraft Protection
  • Visa Debit Card
  • Online/Mobile Banking
  • Telephone Banking

With Visa Platinum ScoreCard, qualifying net purchases made using your credit card earn points.  You can redeem these points towards purchasing merchandise, airfare, hotels, travel packages, and more.  To redeem your points, simply log on to or call Award Headquarters at (800) 854-0790.

Other benefits of the Visa Platinum ScoreCard program include:

  • No cost travel accident insurance up to $150,000 when you use your card to purchase travel tickets
  • 25-day grace period on purchases
  • No cash advance fees
  • Interest rate is the same for purchases and cash advances
  • No annual fee

We currently have 4 rate tiers in our Visa program: 

Name Credit Limit Rate Type Rate
Visa Fresh Start $500.00 Fixed 17.50%APR*
Visa Plus $500.00 to $5,000.00 Variable 12 Points above Wall Street Prime
Visa Premium $5,000.00 to $10,000.00 Variable 7 Points above Wall Street Prime
Visa Platinum $10,000.00 to $15,000.00 Variable 4 Points above Wall Street Prime


*Annual Percentage Rate

Pay your Visa bill, view previous statements/transactions 24-hours a day:

Simple Saver

Our Simple Saver Certificate of Deposit is an easy to way to invest with us.  The 1-year term certificate requires a $100 deposit to open and only a $10 minimum deposit each month to maintain.