Struthers Federal Credit Union
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Checking & Savings

Checking Account
A Checking Account at Struthers FCU is simple and easy. And FREE! No fees, no hidden requirements, and no hidden restrictions. With our checking account, you don’t need a minimum balance and you can write as many checks as you need to. Click here to print a Checking Account Application. (Link to Checking Application PDF) If you already have a checking account but need to reorder checks, click here

Savings (Share) Account
Are you saving for retirement, for college or a special purchase?  Struthers FCU offers a variety of ways you can save money. A minimum deposit of $5 opens your own Savings Account, and dividends are paid on balances of $100 or more.  Your money is safe at Struthers Federal Credit Union.  All Savings Accounts are insured up to $250,000 by NCUA - National Credit Union Administration.  Click here to print a Membership Application. (Link to PDF of Membership Application)

We make it easy - you can deposit funds into your savings account by:
• Mail      
• In person
• Payroll deduction
• Direct deposit of your paycheck, Social Security, Government or Pension Checks
• Use our convenient Night Drop Box located outside our front door. 

Individual Account
An Individual Account has one account owner and has one name on the account. 

Joint Account
The Joint Account is held by one member and any other person.  The other person does not need to be a credit union member or a member of your family.  Both must sign on the membership card and both may make deposits or withdrawals from the account.

Payable on Death Account
This account has a member designated as a beneficiary of the account.  The beneficiary has no right to the account and cannot deposit and withdraw on the account until the death of the member.

Types of Savings Accounts
Everyone’s savings needs are different.  That’s why we offer different types of Savings Accounts. For more information about any of our savings accounts or current rates, visit our RATES page or call us at 1-330-755-7556.

Certificates (CDs)
With a minimum deposit of $1,000, you can open a 12 or 24 month Certificate (also called a Certificate of Deposit.)

Christmas Club Accounts
Worried about holiday shopping?  Open a Christmas Club Account and you can make deposits throughout the year.  When the holidays arrive, so does your Christmas Club Check!  Open one today!

Vacation Club Accounts
Looking forward to that special getaway?  Start your Vacation Club Account and you can save throughout the year.  

REST (Real Estate Tax) Club Accounts
You can save for your own real estate taxes with a REST Club Account. This is a great way to build your account for paying real estate taxes.

Access Your Accounts

ATM Cards
Struthers Federal Credit Union offers ATM cards to access your credit union funds anytime/anywhere.  

24-Hour Teller
Get account balances, transfer funds, and review your account activity anytime with our 24-Hour Teller. Simply call 330-755-3546 from any touch-tone telephone and use this FREE service at your convenience.

Direct Deposit and Payroll Deduction
Have your paycheck, government check, or Social Security check electronically deposited into your credit union account.  It’s safe, easy and simple to set up.  Talk to a Struthers FCU teller to enroll in Direct Deposit (having your entire check deposited) or Payroll Deduction (having a portion of your check deposited.) Click here to print a Direct Deposit/Payroll Deduction form.

 

 

Dividends
Dividends are declared and paid on a quarterly basis.  The percentage rate quoted is an annual rate.  The amount paid is based on the net earnings of the credit union after a transfer is made to the reserve fund.  Dividends are paid only on fully paid shares (each even increment of $5 in your account.)  Dividends are only paid on balances of $100 or more. We encourage you to maintain a $100 balance in order to take full advantage of all of our credit union products and services. 

Other Services
Overdraft Privilege
You can stop worrying about inadvertently overdrawing your checking account! We offer an Overdraft Privilege program where we will consider paying the check, ACH, ATM and Debit Card transactions if an overdraft occurs on your account up to the overdraft limit of $300. If you utilize our Overdraft Privilege we will notify you that an overdraft has occurred, you will be charged a $30 fee, and you will have 30 days to bring your account to a positive balance.

MasterCard SecureCode
Shop Safely Online with MasterCard SecureCode. This service enhances your current MasterMoney Check Card with a secret code to protect against unauthorized use of your card when you shop at participating merchants online. This free services is available to all members with a Struthers FCU MasterMoney Check Card. Click here to enroll and add an additional level of security when shopping online.

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Equal Housing Lender, NCUA Insured
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