AgFirst Federal Credit Union strives to offer a variety of financial services that will help its members achieve their savings goals and obtain economic well-being.  Listed below are the deposit services we have available. Click on the desired service for more information. 
 
  Regular Share (Savings) Accounts
  Share Draft (Checking) Accounts
  Christmas Club Accounts
  IRA Share (Savings) Accounts (Traditional & Roth)
  Coverdell Education Share (Savings) Accounts
  Term Share Certificates
  IRA Term Share Certificates (Traditional & Roth)
  Coverdell Education Term Share Certificates

Deposit Services – Brief Summaries

 Regular Share (Savings) Account
 
Whether you just need to place a stash of cash short term or you’re looking for long-term investment vehicles, your Credit Union has what you need. For as little as $25 you can open a regular share account and enjoy the membership privileges of the credit union. Balances in the regular share account of $100 or more will earn a dividend set by the Board of Directors at the end of each quarter. Dividends are paid quarterly based on a day in day out basis.

Share Draft (Checking) Account
 
A checking account from your credit union offers you the savings and convenience you want to manage your personal day-to-day finances. Savings comes from not having to worry about maintaining a certain required minimum, or paying a monthly maintenance fee, or paying a per item fee as you do at some financial institutions. Checking with us is a breeze! It takes only $50 to open a checking account. You may also apply for Overdraft Protection to cover those checkbook errors and prevent returned checks.

Christmas Club Share (Savings) Accounts

Open a Christmas Club share (savings) account to save for that special time of year. Funds in the Christmas Club account are paid by check or may be transferred to your AgFirst Federal Credit Union savings or checking account early in November.  No minimum balance to open.  An emergency withdrawal may be allowed during the year; however, the account must be closed and not reopened until after regular disbursement of funds in November.  Payroll deduction may be available.  Dividends are figured on a day in day out basis and are determined by the Board of Directors at quarter end.

IRA Share (Savings) Accounts (Traditional & Roth)

IRA share accounts are available for both Traditional and Roth IRA accounts. These accounts require a minimum balance of $25 and interest is paid quarterly. Dividends are figured on a day in day out basis and are determined by the Board of Directors at quarter end. 

Coverdell Education Share (Savings) Account

The Coverdell Education share (savings) account was formerly known as the Education IRA. This account may be opened with a $500 deposit. You may deposit $2,000 per child each year to their Coverdell Education share (savings) account. Dividends are figured on a day in day out basis and are determined by the Board of Directors at quarter end.

Term Share Certificates

AgFirst Federal Credit Union offers a wide variety of Term Share Certificates ranging from 180 days to 36 months. A minimum deposit of $500 per certificate is required. Dividends are credited monthly and are calculated on a day in day out basis. A thirty-one day penalty will be imposed on withdrawals prior to maturity on certificates with an original term of one year or less. A ninety-day penalty will be imposed on withdrawals prior to maturity on certificates with an original term greater than one year.

IRA Term Share Certificates (Traditional & Roth)

AgFirst Federal Credit Union offers a wide variety of IRA Term Share Certificates ranging from 180 days to 36 months. A minimum deposit of $500 per certificate is required. Dividends are credited monthly and are calculated on a day in day out basis. A thirty-one day penalty will be imposed on withdrawals prior to maturity on certificates with an original term of one year or less. A ninety-day penalty will be imposed on withdrawals prior to maturity on certificates with an original term greater than one year.

 Coverdell Education Term Share Certificates

We offer a wide variety of Coverdell Education Term Share Certificates ranging from 180 days to 36 months. A minimum deposit of $500 per certificate is required. Dividends are credited monthly and are calculated on a day in day out basis. A thirty-one day penalty will be imposed on withdrawals prior to maturity on certificates with an original term of one year or less. A ninety-day penalty will be imposed on withdrawals prior to maturity on certificates with an original term greater than one year.