Products/Services

CHECKING ACCOUNTS

Minimum deposit $20.00 to open
No minimum balance requirement
No monthly service charge
No per check fee
Reorder checks with no changes through Liberty Check printer only. Normal check charges will be billed to your checking account. Click here!
Courtesy Pay is available on most checking accounts.
FREE ELECTRONIC BILL PAY WITH DIRECT DEPOSIT.

VISA Check Card

Access to your checking account wherever the VISA symbol is found with the VISA Check Card
Purchases automatically debited from checking account
Detailed description of Check Card purchases will appear on your monthly statement or online at www.fwccu.com
Doubles as an ATM card and can be used at any ATM that carries the VISA, CIRRUS, STAR, or PRESTO symbol. All Presto/Publix ATM's can be used free of charge.
Balances available 24 hours a day / 7 days a week through Call 24 (813) 657-5682 or (888) 628-1346.
$2000.00 limit per day for point of sale, credit and ATM transactions to ensure member security.
ATM CARD NOW AVAILABLE

SAVINGS ACCOUNTS

$10.00 initial deposit, of which $5.00 is a one time membership fee
Minimum balance $200.00, unless another service is opened such as a checking account, loan or VISA Classic Credit Card
Savings through payroll deduction or Direct Deposit
ATM CARD NOW AVAILABLE

YOUTH SAVINGS ACCOUNT

$10.00 intital deposit, $5.00 of which is a one time membership fee.
Minimum balance of $100.00 to earn interest
Direct Deposit or payroll deduction available
Join the COUNTY KIDS CLUB AND WIN FREE PRIZES WITH REGULAR DEPOSITS.

Christmas and Vacation Club Accounts

Special savings accounts designed for saving for holiday purchases and vacations
Accounts may be opened anytime during the year
Funds can be withdrawn anytime without a penalty
Dividends accrued daily and compounded quarterly

MONEY MARKET ACCOUNT

Excellent investment account
Minimum balance of $2,000 to open
Short term savings/draft account that allows daily access through drafts, deposits, transfers, or withdrawals of funds
All transfers and withdrawals have a $500 minimum
If the balance falls below $2,000, no dividends will be accrued or paid for as long as the balance remains below $2,000
Higher Balances earn higher yields
Dividends are accrued daily upon deposit and distributed monthly
Rates are set by the Credit Union as current market conditions dictate

INDIVIDUAL RETIREMENT ACCOUNTS (IRA)

Traditional

A tax deferred retirement account that an employed member may set up subject to the limits of the Internal Revenue Service

Dividend rate and annual percentage yield determined by Board of Directors, and may change at any time

Dividends earned are tax deferred until withdrawn

Funds may be withdrawn anytime after the member reaches 591/2. Penalties may incur by the IRS for funds withdrawn before this age

Withdrawal of funds must begin before April 1 of the calendar year in which the member reaches age 701/2. Dividends are compounded quarterly and credited to the IRA quarterly

Available as an IRA share account or certificate of deposit

Roth

Allows non-deductible contributions.

Features tax free withdrawals for certain distributions, after a 5 year holding period.

You must have earned income

Your adjusted gross income cannot exceed certain prescribed limits

Available as a share account or certificate of deposit

CERTIFICATES OF DEPOSIT

$500.00 -$1,000 minimum deposit.

Interest compounded daily and credited monthly.

Federal regulations require a substantial penalty on interest for early withdrawal of funds from these accounts

Credit Union has the authority to set rates weekly, based on current market fluctuations

LOANS

AVAILABLE FOR EVERY REASON

New and used vehicle loans available

Members with good credit are rewarded with our REWARD RATE PROGRAM where the Credit Union loan officer shops for the best qualifiable rate possible

Members with less than perfect credit will qualify for some of the best rates in the marketplace

Boat, Motorcycle and Recreational vehicle loans

Personal and Computer loans

GAP and extended warranties

Loans-by-Phone

(813) 643-5572 Option1

Apply for a loan 24 hours a day/7 days a week

Applications take approximately 5 minutes to complete

Approval answers within 24 hours guaranteed

Financing available for new and used automobiles, trucks, recreational vehicles, motorcycles, and boats

Current NADA book values on vehicles for both purchase and trade-in information are available

Loan Applications online click here

Vehicle Loans

New and used vehicle loans available.

On new vehicles FWCCU will finance 100% of MSRP plus tax, tag and title fees

On used vehicles FWCCU will finance 100% of NADA retail value plus tax, tag and title fees

Extended warranties/GAP are available on all auto loans

Signature Loans

No collateral required

Purposes for signature loans can include furniture purchases, bill consolidation, back-to-school expenses and auto repairs

Vacation and computer loans are available

Secured Loans

Borrow up to 95% of the balance in your savings account or certificate of deposit using the account as collateral.

An inexpensive and convenient way to borrow.

An excellent way to rebuild your credit.

Unsecured Revolving Lines of Credit

No collateral required

Advances are available up to your approved credit limit

This line of credit can be used for overdraft protection for your checking account

Home Equity Loans

Home Equity Line of Credit

Write checks when you need extra money for home improvements, college tuition or just that dream vacation you have always wanted.

FIXED RATE FOR 5 YEARS

Variable interest rate based on prime plus zero.

Terms are available from 5 to 15 years.

Interest on these loans may be tax deductible, please consult your tax advisor.

FWCCU is currently paying up to $500 in closing costs with certain restrictions.

Payment Protection

Credit Life Insurance and Payment Protection coverage is offered to members on all loan requests

Assures peace of mind

Premiums can be included directly with the loan payment

Provided by Florida West Coast Credit Union and CUNA Mutual

VISA Classic Credit Card

Low, fixed annual percentage rate, currently 12.96% Annual Percentage Rate.

No annual or monthly fee.

25-day grace period.

Use for purchases, cash advances, or transferring balances from higher rate credit cards.

To access your VISA account balance, last payment and transaction history go to www.ezcardInfo.com

Payments can be made online at www.fwccu.com.

Overdraft Protection is available from your Visa Credit Card.

VISA Platinum Credit Card

Low, fixed annual percentage rate, currently 8.99% Annual Percentage Rate.

No annual or monthly fee.

25 day grace period.

Use for purchases, cash advances, or transferring balances from higher rate credit cards.

Payments can be made online at www.fwccu.com.

Overdraft Protection is available for your Visa Credit Card.

To access your VISA account balance, last payment and transaction history go to www.ezcardinfo.com

CONVENIENCE PRODUCTS AND SERVICES

DIRECT DEPOSIT for Payroll, Social Security, Military, Civil Service and VA compensation available.

PAYROLL DEDUCTION- a part of your paycheck can be directly deposited into your account at the Credit Union.

ONLINE 24 - 24 hour access to your account online at www.fwccu.com

CALL 24 - Automated Telephone Response System at (813)657-5682 or 1-888-628-1346

COURTESY PAY can pay items clearing on your account up to a certain dollar amount dependent upon your direct deposit/payroll deduction relationship with the credit union. Certain restrictions apply to the account. Member must be 18 years or older and account open greater than 6 months qualify.

AUTO ADVISOR PROGRAM

FREE ELECTRONIC BILL PAYMENT WITH DIRECT DEPOSIT.

MONEY ORDERS

TRAVELER'S CHECKS

NOTARY SERVICES

DRIVE THRU LANES at the Brandon and Pasco offices

Mail Transactions and Night Depository.