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Products & Services

Credit Union Membership Pays . . .
With Great Rates and Services



Fort Bragg Community Federal Credit Union has a wide variety of savings and loan products to meet all your financial needs.  We offer extremely competitive rates and quick approvals on loans.  On-line banking and bill pay is now available to our members at no charge.


• SAVINGS & INVESTMENTS
   
 


Share Accounts
Establishes your Credit Union Membership - minimum deposit $25.00

Share Certificates
Deposit as little as $1,000.00 - Terms 90-days to 60-months
Very Competitive Rates

Checking
Four different plans to fit your needs
Overdraft Protection
ATM/POS card

Basic Free Checking
No monthly service fee

Plus and Premier Checking
Dividend earning
No monthly service fee with required balance

Senior 62 Checking
No monthly service fee
Free basic checks

IRA's
Individual Retirement Account
Traditional and Roth



• LOANS


Auto Loans
New, Used or Refinanced

Recreational Vehicles
New motorcycle, boat and travel trailers

Personal Loans
$10,000.00 per signature
Fico 700 and above

Personal Line of Credit
Low variable rate based on Prime Rate
and determined by your FICO score.

Share Secured Loan
3.00% above dividend rate
100% of share balance

Home Equity Line of Credit
Prime Rate (variable) plus credit report & appraisal fee

CUDL
(Credit Union Direct Lending)
Get your credit union auto financing right at the dealership!
Just visit any participating CUDL dealer, request your financing
through your Fort Bragg Credit Union, and drive away in your
new or used vehicle - all in one visit.



• OTHER SERVICES

• ATM DEBIT CARD
  VISA CHECK CARD


Our ATM Card is available with your checking account, letting you access your account at any ATM displaying these networks, THE EXCHANGE, ACCEL, INTERLINK and PLUS.  In addition, you can use your ATM card for electronic purchases at restaurants, gas stations, grocery stores and other merchants.

Your ATM card will allow you to do withdrawals from your savings and checking account, balance inquiries, and transfer between accounts.  The daily cash limit is $500.00, point of sale transactions up to $500.00 with a combined maximum total of $1,000.00 each 24-hour period.  As long as your available balance will cover the transaction.

Our VISA Check Card is now available to members who qualify.  This card is an extension of your Fort Bragg Credit Union checking account and can be used as a DEBIT with PIN # or CREDIT where the VISA logo is displayed.  When used as a credit, it is especially convenient for purchasing items over the phone, online or securing hotel rooms.  All funds will be debited directly from your checking account either way the card is used.

The daily cash limit is $500.00 maximum for ATM withdraws and $1,000.00 point of purchase as Debit or Credit.


• AUDIO RESPONSE


Audio Response Telephone # 1-800-508-9677

You may use your Audio Response Service to perform the following transactions:

  • Obtain account and loan balances
  • Obtain loan payment due date and pay off information
  • Obtain clearance of specific checks
  • Transfer funds between your share and checking accounts
  • Make loan payments
  • The total transactions cannot exceed $10,000.00 during any 24 hour period
     

• PAYROLL DEDUCTION

Payroll deduction allows eligible members to designate a specified amount of each paycheck to be deposited into their share, checking or loan accounts.  This is an easy and safe way to deposit funds into your accounts before you see it or touch it.  It's like paying yourself first.  You can also arrange to have your loan payments made automatically and never have to worry about the due date or late payments.  When you take advantage of this service, you will receive a 1/4% discount on your loans.  It saves you money, and your own personal time from writing and sending checks in the mail or walking in the payment.

• DIRECT DEPOSIT

Direct deposit allows your entire paycheck, retirement or social security check to be deposited to your accounts at the Fort Bragg Community Federal Credit Union.  This is a safe and easy way to have your funds available to you immediately even when you are on vacation.  With direct deposit, you never have to wait in line to deposit your paycheck.  It's fast, convenient, and easy to set-up.  All your employer needs is your credit union account number and our routing #3211-7235-8.

• WIRE TRANSFERS

To send a Wire Transfer to Fort Bragg Community Federal Credit Union,
please follow the instructions below:

Wire transfer to:  Wescorp FCU
924 Overland Court
San Dimas, CA   91773
Routing # 122041219

  1. Further credit to: Fort Bragg Community Federal Credit Union
    Account/Routing # 321172358
  2. Final Credit to:   Member Name and Account #


MONEY ORDERS AND TRAVELERS CHEQUES

Fort Bragg Credit Union offers Travelers Express Money Orders up to $1,000.00
with a fee of .75 cents.

We also offer free American Express Travelers Checks.  Travelers checks are a
convenient way to carry money safely.  It's reassuring to know that if your
travelers checks are lost or stolen, it is quick and easy to replace them.

Key Features:

  • Acceptable throughout the world
  • Refundable if lost or stolen
  • Many denominations available

 

 


Fort Bragg Community FCU
120 N. Franklin Street
PO Box 1304
Fort Bragg, California 95437
707.964.4966
Fax: 707.964.1781
fbcredit@mcn.org