Member Benefits

The little extras that make a big difference.

Join Financial Center
Member Benefits

The little extras that make a big difference.

Join Financial Center

Member Benefits

The little extras that make a big difference.

Join Financial Center

Your first account is just the beginning.

Every Financial Center relationship starts somewhere. Maybe yours starts today. Maybe it started years ago. Either way, membership comes with more than most people realize.

Your membership travels well.

One of the credit union industry's best-kept secrets? Just how far we reach. Your Financial Center membership gives you access to shared branches and surcharge-free ATMs across the country and around the world – giving you a network that rivals many of the nation's biggest banks.

5,600+
Shared branches nationwide
85,000+
Surcharge-free ATMs globally
Find a location
Near where you’re headed

The value keeps adding up.

You'll probably never need every benefit we offer. But when you need one, you'll be glad it's there.

Some of the best benefits are the ones you don't think about until you need them. At our credit union, you’ll find:

Early Access

Get paid up to a week early1 when you have an eligible direct deposit.

Insurance Services

Find discounts on life, home, or auto coverage from our insurance partners.2

Notary Services

Make an appointment at your local branch whenever you need a document notarized.

Support during life’s transitions.

Skip a Payment

Some eligible members can skip a qualifying loan payment.3

Overdraft Protection

Link accounts in Digital Banking to prevent overdrafts.

Boost Loan

Borrow up to $6,000 at 0% APR4 for 90 days during qualifying life events.

Sometimes you want advice, and sometimes you just need the right self-serve resources. As a member, you'll have both – including:

Financial Coaching

Sit down with a financial coach who'll help you build a plan that works for your life.

Financial Wellness Workshops

Learn something new at free virtual workshops covering real-life topics every month.

Daily Credit Score Monitoring

Check your score anytime and find tips to improve it in Digital Banking with SavvyMoney.

Investment Consultation

Meet with a financial professional for a complimentary conversation about what's next.

Financial Wellness Hub

Explore articles, calculators, podcasts, and other free resources around the clock.

Enjoy a few more reasons to love being a member. Benefits include:

Loyalty Rewards

Take advantage of exclusive discounts and perks thanks to your relationship with us.

Gift Card Discounts

Score exclusive member discounts when purchasing gift cards through our portal in Digital Banking.

Scholarship Program

Keep learning and growing with annual scholarship opportunities for members.

Love My Credit Union Rewards

Unlock discounts on tax preparation, estate planning, and more.

Excess Share Insurance

Sleep a little easier knowing your eligible deposits5 receive protection beyond federal insurance requirements.

Sometimes, timing is everything.

Throughout the year, we introduce special offers, promotional rates, and exclusive opportunities that are only available for a limited time. So, check back in often to see what’s new at Financial Center!

Frequently asked questions

View All FAQs

Shareholders own banks. Financial Center, a credit union, is owned by our members.

That means we measure our success by yours. Instead of focusing on shareholder profits, we invest in competitive rates, personalized financial coaching, and products that help you build a healthier financial life.

From your first savings account to your next big milestone, you'll have a team that's here to provide direction, answer your questions, and help you make confident financial decisions.

Yes! Financial Center members have access to nearly 5,000 shared branches and thousands of surcharge-free ATMs nationwide. A shared branch lets you visit participating credit unions across the country to complete many of the same everyday transactions you would at a Financial Center location. 

Whether you're traveling or simply away from home, you can make deposits, withdrawals, transfers, and loan payments at participating shared branches. Use our ATM and Branch Locator to find the nearest location.

Banking can make a difference beyond your wallet.

When you become a member of Financial Center, you're part of something bigger. Join a credit union that believes stronger communities start with showing up for one another.
Community Impact

  1. You may receive an ACH transaction early if you hold a checking, savings, or money market account with Financial Center First Credit Union. It is at the discretion of Financial Center to determine which transactions qualify and there is no guarantee that any payments will be processed early. Some types of direct deposit or ACH transactions are not eligible. Early Access is dependent on the timing of direct deposit submission by payer and fraud prevention restrictions.

  2. Insurance products are not insured by NCUA or any Federal Government Agency; are not a deposit of, or guaranteed by the credit union or any credit union affiliate; and may lose value. Any insurance required as a condition of the extension of credit by Financial Center First Credit Union need not be purchased from our Agency but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the member's choice.

  3. Skip a Payment is available on eligible loans only. Interest will continue to accrue, fees apply, and eligibility requirements must be met. Contact us for complete details.

  4. APR – Annual Percentage Rate. Loans paid in full within 90 days will not be charged interest. Rates subject to increase after initial 90-day period. Upon the 91st day, any remaining loan balance will be amortized over the remaining loan term and monthly principal and interest payments will be required. For example, on the 91st day, a remaining loan balance of $4,000 with a contractual interest rate of 6% would require monthly principal and interest payments of $277.46 per month for 15 months. All loans subject to credit approval and underwriting guidelines. Other conditions or restrictions may apply.

  5. Eligible deposits receive additional protection through Excess Share Insurance. Coverage is subject to applicable limits, ownership requirements, and eligibility. See our Excess Share Insurance page for complete details.