SAVINGS/CHECKING/INVESTMENTS

STATEMENT SAVINGS ACCOUNTS

	A $10.00 deposit into a savings account establishes your membership in the MCNJTFCU and allows you to take advantage of our many financial products and services.
	Earns a competitive tiered rate of interest which is paid quarterly.
	Insured by the National Credit Union Administration up to $100,000.
	Statements are issued quarterly.
	Easy Access with your MAC/ATM card.
	Direct Deposit/ACH
	Payroll Deductions
	No monthly fees.

CHECKING ACCOUNTS

	A $25.00 deposit is required to open a checking account.
	No minimum balance required.
	No fees or per check charge.
	First 50 checks are free.
	Earn dividends with a $300.00 average daily balance.
	Convenience of having your checking and savings account at the same institution.
	Overdraft protection available.
	Will buy back up to 200 unused checks from another financial institution.
	Reorder your checks on-line.

MONEY MARKET ACCOUNTS

	Minimum balance to earn dividends $2,500.00
	Up to four withdrawels from your Money Market Account will be allowed each month at no charge. Additional withdrawals or transfers in excess of four in a given month will incur a fee of $15.00
	Earns a tiered dividend paid quarterly
	Statements sent quarterly

MAC CARDS
Access your member savings and/or checking account around the clock with a MAC Card from Mercer County NJ Teachers' FCU. Make deposits, withdrawals, transfers, balance inquiries and pay for purchases at various merchants throughout the U.S. that display the MAC logo. As a participant in many networks, the MCNJT FCU MAC card gives you access to thousands of ATMs around the world. Your first four (4) transactions every month are free.

HOLIDAY/VACATION CLUBS

	Save for the holidays or vacation getaway.
	At maturity, funds are deposited into your savings account.
	Club Accounts renew automatically each year.
	Earns competitive interest rates which are paid quarterly.
	Penalty for early withdrawal.
SUMMER SAVINGS CLUB
	Designed especially for 10 month employess
	Save during the school year so you can receive your "paycheck" during the summer
	Club starts with the first pay period in September and ends June 30th
	Funds are automatically deposited into your savings account
	Earns competitive interest rates which are paid quaterly
	Automatically renews each year
	Penalty for early withdrawal

TERM SAVINGS CERTIFICATES

	Competitive rates on 6, 12, 18, 24, 30, and 36 month terms.
	$1000.00 minimum certificate required.
	Penalty for early withdrawal.

TINY TYKE ACCOUNTS
A great way to begin saving for children of any age! Our youth account earns a competitive interest rate and provides exciting incentives for children under 18 years of age. Parents may contribute directly into any youth account through payroll deduction.