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Plan Your Future
We know that saving money is not easy, but we are
happy to help you set everything up. Let us know
what your goals are, and we’ll help you choose from
a range of our savings products. Here’s a sample of
what we can offer:
Primary Savings Account - This is the very first
account we open when you join our credit union. The
minimum initial deposit is $5. There is no monthly
service charge associated with this account, and
you can transfer money between this and your other
accounts at will, and at no cost! And, if you wish to
open a separate savings account to use for another
purpose, let us know!
Money Management - This savings account offers
higher dividend rates if your balance stays above
a certain threshold, and you can make up to six
electronic withdrawals per month!
Christmas Club - The Christmas Club Account is
another savings account that has dividends paid
monthly, based on a daily balance. With just a
minimum balance of $5.00, you can be on the road
to a more relaxed Christmas holiday for you and your
family. To make it easier for you, you can have funds
automatically deposited into your Christmas Account
through Payroll Allocation. Then, every November,
the funds will be automatically transferred to your
Primary Savings Account.
Term Share Certificates and IRA Certificates -
If you have excess funds sitting in your checking or
savings account, you might consider opening one of
our high-yielding term share certificates. The majority
of these certificates have a minimum balance
requirement of only $1,000, and the longer you
keep your money in, the higher your return will be.
IRA Advantage
We offer both traditional and Roth IRAs.
If you are not sure which product would suit your
needs, give us a call, and we’ll discuss your options!
Investment Services
You can also take advantage of the MEMBERS
Financial Services Program, and set up an
appointment with the financial advisor.
The MEMBERS Financial Services Program is
focused specifically on serving HTFFFCU members,
to help you plan and invest to meet your desired
financial goals.
When you are making these types of important
decisions about your future, as well as that of your
family, you want sound, objective advice from
someone who knows you well and has a successful
track record of helping individuals and business
owners plan, understand, and reach their financial
ambitions. Working with your other valued advisors,
such as your attorney and accountant, he seeks to
bring investments, insurance, retirement, estate, and
tax planning into one efficient plan, designed to be
risk-appropriate, and minimize gaps that can leave
you under-prepared and under-protected.
Learn more about this program at
www.htfffcu.org/planning-investments
Representatives are registered, securities sold, advisory services offered through CUNA
Brokerage Services, Inc. (CBSI), member FINRA/SIPC , a registered broker/dealer and
investment advisor, which is not an affiliate of the credit union. CBSI is under contract
with the financial institution to make securities available to members. Not NCUA/NCUSIF/
FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any
financial institution.
Buy the Home of Your
Dreams
Everyone deserves a home where they can live,
love and be happy. But not everyone can afford
a sizable down payment. Did you know that at
HTFFFCU, we offer a variety of real estate products,
including home loans with low or no down payments?
With our loans, becoming a homeowner or
purchasing a second property can swiftly move
from a dream to your reality. Visit our website to
learn more.
Reward You for Your
Regular Spending
We all like being rewarded for doing things we
already do. And don’t we all pay bills, buy groceries
or dine out? At HTFFFCU, we offer a VISA Rewards
credit card which handsomely rewards you for
every dollar you spend. Points are earned for
every purchase and can be redeemed for premium
merchandise, gift cards, statement credit or travel.
The more points you earn, the greater your reward!