Our savings account rates beat the competition.
Membership has its privileges – as one credit card company used to say. As a non-profit financial institution, Ironworkers USA FCU is able to offer our members many privileges that other credit unions or banks can’t. Like what, you ask? Well, there’s the higher than average interest rates on our Share (savings) Accounts, Special Club Accounts and Share Certificates. Who doesn’t like a little extra money in their wallet?!
This account is your membership account at the credit union and allows you access to all the products and services that Ironworkers USA FCU has to offer. A Share Account requires a minimum balance of only $5 and earns a 0.10% APR – more than twice that of other financial institutions, when you maintain a balance of $100, you’ll also earn quarterly dividends.
Special Club Accounts
Opening a Special Club Account gives you the benefits of a savings account but with a higher interest rate. A Special Club Account (also called a money market account at other financial institutions) requires a low minimum balance of just $100 and has a dividend rate of 0.50% APR. Members may make one free withdrawal from their Special Club Account each quarter. This is a low-risk, high-yield saving opportunity.
Investing in Share Certificates (CDs) is another safe, low risk way to save and grow your money. Traditional Share Certificates are fixed income investments that guarantee an exact return on your investment as a result of a fixed dividend rate. With traditional Share Certificates, you can start with as little as $500, choose your own term, between 6-48 months, and lock in an interest rate at the onset of the account. Currently, we have a 2-year certificate for 1% APR and a 4-year for 2% APR.
Your money is safe when you open a Share Certificate, Share Account or Special Club Account, as all your deposits up to $250,000 into the credit union are federally insured by the National Credit Union Association.
To open a new Share Account, Special Club Account or Share Certificate account, simply give us a call at 1-877-769-4766 or stop into an Ironworkers USA FCU branch. We’ll be happy to get you on the road to saving today!
Are You Paying Too Much?
Was it an impulse purchase? You just HAD to have it? Your family begged until you gave in? Maybe it was love at first sight when you bought your car, truck, boat or RV and the price just didn’t matter. If you got your loan from another bank or financial institution, Ironworkers USA FCU can likely reduce your payment with a Loan Refinance.
If lower payments aren’t enough to pique your interest, perhaps a vacation will! You can even take equity out of your vehicle to pay for other expenses, like that vacation you’ve been dreaming about or paying off higher rate credit cards.
Ironworkers USA FCU Loans feature:
- Auto Loan rates starting as low as 2.99%* APR
- Recreational Vehicle Loan rates starting at 5.99%* APR
- Finance up to 100% of the purchase price for qualified borrowers
- No pre-payment penalties
- Easy payment options with flexible terms up to 120** months for RV Loans
Don’t wait to start saving. Call today! It’s fast and easy. Give us a call at 1-877-769-4766 or apply online at ironworkersusa.org
Helping Ironworkers from Coast to Coast
What‘s better than helping our 5,301 members build assets and achieve financial stability? The chance to help over 90,300 Ironworkers nationwide achieve their goals!
We received official approval in May from the National Credit Union Association (NCUA) to change our name to Ironworkers USA Federal Credit Union and serve Ironworkers and their families in all 50 states. Visible changes on our website, mobile app and branches will slowly roll out over the next three years but the most important thing – access to Ironworkers nationwide to become members starts immediately. Current members can depend on the same level of personalized customer service, competitive rates and extensive benefits as we grow into a national resource for union Ironworkers
Though we’re growing and expanding, our commitment to offering personalized service to make your lives easier will always be our priority – near or far, we’re still a one-stop shop for your financial needs!
Give You a Break? Sure!
Skip-A-Payment program available
We know how expenses start adding up fast this time of year. That’s why we want to offer you a break. Skip a payment without penalty? Yes, you can do it – at least you can twice a year!
Ironworkers USA FCU is pleased to once again offer our “Skip-a-Payment” program to members with consumer loans. Here’s how it works: You are eligible to skip your loan payment twice a year as long as you have made payments on time for three consecutive months before the month that you skip. Your loan term is extended by one month. That’s all. It’s a simple way to have a little extra cash on hand during the holidays. It’s another way YOUR Credit Union helps bridge YOUR financial needs.
It’s easy, just fill out and submit the form online (located on our website under Online Resources/Forms/Skip Payment) or call 1-877-769-4766.