Q.) How do I qualify for membership?
A.) If you live, work, worship or attend school in Franklin County, you qualify for membership at First Service, Franklin County's 1st Community Credit Union!
A.) It's simple! Visit any of our branch locations to open your membership account. Since we are required to verify your identity at the time of opening your account, you will need to bring a picture identification (such as a driver's license) with your social security number and current address. If your driver's license does not include your social security number, you will need to bring another form of documentation that would list your social security number and current address. Also have anyone else that would be on the account accompany you to the credit union with their identification.
Q.) Do I have to make a deposit when I open the account?
A.) Yes, you will need to make a minimal deposit of $50 in a Share Savings Account.
Q.) Is $50 a fee?
A.) No. A credit union is a financial cooperative (members helping members). Your credit union provides services (including loans) exclusively to members. The $50 is your membership share deposit and will earn a regular savings dividend.
Q.) What is the minimum balance of this account?
A.) Since this is your membership account, you cannot make withdrawals under the initial $50.
Q.) What if I close the account?
A.) In order to use the services provided by your credit union, including the CD 101 VISA card, you must maintain your membership account. There is a $10 administrative fee if the account is closed within 6 months of opening.
Q.) What else can the credit union do for me?
A.) Save you money! First Service can provide you personal financial services at low - if any - cost. With your member status, we welcome you to request any (or all) of our services including free Credit Union Online account access.
Q.) How do I receive a card?
A.) Once your application is approved and your account is open, your CD 101 Visa card will be processed and mailed to your home address.
Q.) How do I earn Lounge points using the card?
A.) You will earn one point for every dollar purchased. If you make a purchase at a
CD101 Triple Points Partners, you will earn 3 points per dollar purchased. Lounge Points are awarded for full dollar amount spent only. Lounge points have no cash value.
Q.) What is the interest rate for the CD101 Lounge Visa Card?
A.) Rates start as low as 9.9%. The rate is determined by our underwriting guidelines.
Q.) Are there any fees for the CD101 Lounge Visa Card?
A.) The CD101 Lounge Visa card does not have an annual fee. You may incur fees if your payment is not received by the date due and/or your payment is returned for insufficient funds. You may also incur a fee for a cash advance transacted at an ATM machine.
For addition questions, Please call First Service at 614-836-0100
