Local 804 Federal Credit Union offers several ways to help you make saving easy. Now you can keep more of your hard earned money in your account.

Share Savings
Your Share Savings Account is the first account you open when joining Local 804 FCU. Your one-time $20 membership fee entitles you to enjoy the many financial products and services we have to offer.

Our Share Savings Account provides members with an excellent method of saving money on a regular basis.

Youth Accounts
Teach your kids the value of saving from a very young age by opening an account for them and watch the money grow.

Youth Accounts are available for newborns and children up to the age of 17. 

Individual Retirement Accounts (IRAs)
Individual Retirement Accounts (IRAs) are a more flexible investment option than ever before. Local 804 FCU offers two IRA products to meet most members’ savings and investment needs.

The new IRAs can be used for more than just retirement savings. They can also help you save for a first-home purchase or a college education.

Here’s a breakdown of each IRA:

  • Traditional IRA: New provisions for penalty-free withdrawals are just one of the changes that make this a viable savings option in planning for retirement.
  • Roth IRA: This investment product offers such benefits as tax-free earnings (interest) at the time of withdrawal and no mandatory distribution date.
Share Certificates
For the highest yield possible, check out a Local 804 Federal Credit Union Share Certificate. For a minimum deposit of just $10,000.00 you can earn top dividends in this secure investment.
Club Accounts
Vacation Club Accounts and Holiday Club Accounts are designed to allow you to save on a regular basis for a specific purpose while earning dividends.

These accounts make it easy to keep track of how you’re doing with specific financial goals. Keeping a separate account for a specific purpose means you’ll never accidentally spend these funds.

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Share Savings
Share Savings
Your Share Savings Account is the first account you open when joining Local 804 FCU. Your one-time $20 membership fee entitles you to enjoy the many financial products and services we have to offer.

Our Share Savings Account provides members with an excellent method of saving money on a regular basis.

+
Youth Accounts
Youth Accounts
Teach your kids the value of saving from a very young age by opening an account for them and watch the money grow.

Youth Accounts are available for newborns and children up to the age of 17. 

+
IRAs
Individual Retirement Accounts (IRAs)
Individual Retirement Accounts (IRAs) are a more flexible investment option than ever before. Local 804 FCU offers two IRA products to meet most members’ savings and investment needs.

The new IRAs can be used for more than just retirement savings. They can also help you save for a first-home purchase or a college education.

Here’s a breakdown of each IRA:

  • Traditional IRA: New provisions for penalty-free withdrawals are just one of the changes that make this a viable savings option in planning for retirement.
  • Roth IRA: This investment product offers such benefits as tax-free earnings (interest) at the time of withdrawal and no mandatory distribution date.
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Share Certificates
Share Certificates
For the highest yield possible, check out a Local 804 Federal Credit Union Share Certificate. For a minimum deposit of just $10,000.00 you can earn top dividends in this secure investment.
+
Club Accounts
Club Accounts
Vacation Club Accounts and Holiday Club Accounts are designed to allow you to save on a regular basis for a specific purpose while earning dividends.

These accounts make it easy to keep track of how you’re doing with specific financial goals. Keeping a separate account for a specific purpose means you’ll never accidentally spend these funds.