|
Take a look at all the benefits to being part of the PHIFCU family. We have various accounts available. We have tailored our products to bring you only the best. Click here to view our current rates.
Share Draft (Checking Accounts)
- Unlimited Check Writing
- No per check charge
- Direct Deposit
- Payroll Deduction
- No Service Charge when a $1,000.00 balance in maintained through out the month.
- Over the phone transfers from one PHIFCU account to another
- Monthly Statements
- Minimum Opening Deposit of $25.00
Monthly Account Fees
| Monthly Service Fee | $3.00 |
| Debit Card Monthly Fee | $2.00 |
| Insufficient Funds (NSF) Fee | $25.00 |
| Stop Payments | $15.00 |
| Check Copies (per item) | $10.00 |
| Return Deposit Item Fee (per item) | $10.00 |
| Statement Print Out | $5.00 |
| Outgoing Wire Transfer - Domestic | $15.00 |
| Outgoing Wire Transfer - Foreign | $50.00 |
| Incoming Wire Transfer | $10.00 |
| Debit Card Replacement | $5.00 |
| Clearing Fee (per item) | $15.00 |
| Research Fee | $10.00 |
Savings Accounts
A minimum opening deposit of $10.00 is required to open a savings account and $5.00 minimum balance to maintain you membership.
- No Monthly Service Charge
- Earns Competitive Interest Rates (Once a $200.00 balance in maintained)
- Two (2) free monthly withdrawals
- Phone Request
- Mail Withdrawal Checks
- Direct Deposit
- Payroll Deduction
- Quarterly Statements
Monthly Account Fees
| Excessive Withdrawal Fee (per withdrawal) | $5.00 |
Christmas Club Accounts
- No Monthly Fees
- Checks Mailed in October
- Payroll Deduction
- Earns Competitive Interest Rates
Christmas Club Fees
| Early Withdrawal Fee (per withdrawal) | $10.00 |
Certificate of Deposit
- Six (6) month CD, minimum Opening Deposit of $500.00
- One (1) Year CD, minimum Opening Deposit of $1,000.00
- Two (2) Year CD, minimum Opening Deposit of $1,000.00
- No Monthly Fees
Benefits
- Competitive Interest Rates
- Dividends Paid Annually or at Maturity
- Auto Renewal
Penalties for Early Withdrawal
| 6 month CD | 90 days dividend |
| 1 year CD | 90 days dividend |
| 2 years CD | 90 days dividend |
Individual Retirement Accounts
- Competitive Interest Rates
- Quarterly Statements
IRA Account Fees
| Annual Administration Fees | $20.00 |
|
Accounts
