ACCOUNTS

SHARE ACCOUNTS
A minimum $5.00 opening deposit entitles you to all the products and services Fort Worth Telco Credit Union has to offer. Dividends are paid quarterly on an average daily balance of $100. Some account limitations may apply.

SHARE DRAFT ACCOUNTS
Fort Worth Telco Credit Union offers a very competitive share draft account. With overdraft protection, and the first box of checks, why go anywhere else? Also, there is no service charge for senior citizens or students.

CHRISTMAS CLUB SHARES
Our Christmas Club Account is the perfect solution to holiday shopping. Instead of depleting your regular savings for Christmas expenses, you can save throughout the year for that special gift in a separate account. Why wait? Start savings for Christmas today!

DEPOSITS ACCOUNTS
This special savings account is designed for members who like to keep a separate savings fund from their primary savings. Whether it is money for a rainy day, a much- needed vacation, or tax season, a deposit account is just the answer.

INDIVIDUAL RETIREMENT ACCOUNTS
The Individual Retirement Account is a special savings account that can help supplement your retirement income. Start saving for your future.

CERTIFICATES OF DEPOSIT ACCOUNTS
With terms of 6 months, 12 months, or 24 months, certificates of deposits offer a higher interest rate and may be the type of safe investment you need.

For additional information see our Fee Schedule and Truth in Savings Disclosure as well as our Funds Availability Policy Disclosure.

LOANS

Fort Worth Telco Credit Union offers loans for almost every purpose you can imagine. When you need to borrow some extra cash, check with us first. We may be able to offer you the best rates in town.

AUTOMOBILE LOANS
Fort Worth Telco Credit Union has new and used car loans available with financing up to 72 months on new cars and up to 60 months on used cars.

RECREATIONAL VEHICLES LOANS
With new and used financing available, you could be spending your weekends at the lake. Fort Worth Teclo offers competitive rates on recreational vehicle financing.

HOME IMPROVEMENT LOANS
With financing up to 120 months, you could turn that extra bedroom into the office of your dreams, update that 1970 style kitchen or even build a pool.

PROPERTY LOANS
Fort Worth Telco Credit Union can finance the future location of your dream home. With financing up to 120 months, you will keep your payments affordable.

REAL ESTATE LOANS
With the help of Fort Worth Mortgage, Fort Worth Telco Credit Union can finance your home.

SECURED LOANS
With your shares, stock certificates, or a certificate of deposit as collateral, you can receive a loan rate below market value and still be earning dividends or interest on your money.

SIGNATURE LOANS
This loan can be used for just about any purpose as long as you qualify, and collateral is not necessary to establish this loan.

CREDIT CARDS
We offer the two most popular credit cards available… MASTERCARD and VISA . Both have a 25 day grace period, no annual fee, and competitive rates.

OTHER SERVICES

Fort Worth Telco Credit Union offers a wide variety of other services to their members.

Home Banking
With on-line banking you can pay bills, check balances, transfer money between accounts, make loan payments and many other services all at your convenience. So start creating your own credit union hours today.

Bill Pay Service
With bill pay service through on-line banking you can pay your bills in the convenience of your home, or office making check writing a thing of the past.

ATM (PULSE) CARDS
Allows you to access your cash anytime.

VISA DEBIT CARDS
Looks like a credit card but works like a check. Allows members to make purchases wherever VISA is accepted, as well as obtain cash from ATMs.

DIRECT DEPOSIT
Fort Worth Telco Credit Union accepts direct deposits from all types of companies, as well as social security payments and tax refunds.

NOTARY SERVICES
As an added service to our members, we can notarize your documents at no cost.

AUDIO RESPONSE
With DIAL, the automated teller, you can access your accounts almost 24 hours a day. Balance inquiries, check withdrawals, share transfers, and current rates are just a few of the services available on DIAL.

OVERDRAFT PROTECTION
Funds will automatically be transferred from your share account to cover your share drafts. Some limitations apply.

OVERDRAFT PRIVILEGE
The Overdraft Privilege helps members avoid returned checks by making discretionary courtesy payments to cover insufficient funds up to a preset limit on checks, ACH items, ATM and debit card transactions. Members must bring their checking account back to a positive balance within 30 days of the date the account is first overdrawn. Each time an account is overdrawn and we cover the check or withdrawal, we’ll charge our customary $25 NSF fee. Whether overdrafts will be paid is discretionary and we reserve the right not to pay.  For example, we typically do not pay overdrafts if an account is not in good standing, if the accountholder is not making regular deposits or if they have too many overdrafts.

TRAVELER'S CHECKS
Fort Worth Telco Credit Union offers traveler's checks at no cost to our members to help ensure your money is safe while traveling.