Savings Accounts

Regular Share Accounts
A share account is the account you open when you join the credit union. Your initial $25.00 deposit establishes your membership and makes you part owner of the credit union. Share accounts pay dividends on all balances over $100.00, which are compounded and paid monthly.

Soaring Savers Account
A child’s savings account available to anyone under the age of 18. This is a custodial account with no minimum balance requirement. All dividends are compounded and paid monthly.

Vacation Club Account
Plan ahead with a Vacation Club Account and start to build a vacation fund gradually. Enjoy free single signature travelers cheques when you have a Vacation Account. Dividends are paid on all balances over $100.00, which are compounded and paid monthly.

Christmas Club Account
Start saving at any time of the year to prepare for the Holiday season. The credit union will issue either a check or transfer to your savings account on November 1st to help with shopping expenses. Dividends are paid on all balances over $100.00, which are compounded and paid monthly.

Share Certificates
We offer both Regular and Premium Certificates. Premium Certificates have a minimum balance requirement of $ 5,000.00, and earn a higher rate than regular certificates. Terms of 3, 6, 12, 24, and 36 months are some of our offerings.  All dividends are compounded and paid quarterly.

Evergreen Certificates 
This special group of Certificates allow unlimited deposits to the certificate throughout the term of the certificate.  Available terms are 6, 18 and 30 months.  The minimum amount to open is $100.

IRA Accounts
Focus Credit Union offers a full compliment of IRA products to help you plan for retirement. Traditional, Roth, and Educational IRA Accounts are available in both Savings Accounts and Certificate Accounts.

Checking Accounts

Focus Credit Union has five types of share draft checking accounts to meet your needs. All five enjoy unlimited check writing with no per-check charges and are eligible for an ATM/Debit Card.

Regular Checking
A flexible checking account with a minimum balance requirement of only $25.00 dollars, if the account falls below the minimum at any time during the month, a $5.00 fee would be assessed. This account earns a dividend on all balances over $25.00, which is compounded and paid monthly.

Green Checking 
Less paper in the mail, more in your wallet.  This account requires e-statements; features debit card, free online account access, free billpay and free checks.  Additionally, dividends earned will be donated to a charity that you choose from a list of 6 local and global charities.

Premium Checking
Designed for our members who like to maintain a higher balance in their checking account. A minimum balance of $2,000.00 is required to earn dividends, which are compounded and paid monthly. No monthly fees.

Senior V.I.M. Checking
This account is for our very important members over the age of 55. There is no minimum balance requirement and dividends are compounded and paid monthly. Free check orders.

Club Peer One Checking
A basic account that features no minimum balance, and no monthly service charges. No dividends are earned on this type of account.