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Regular Share Savings

  • $1 Minimum Balance
  • Dividends paid on balances of $100 or more
  • Free ATM Card, Unlimited withdrawals
  • Free Home Banking, Mobile Money and E-Statements

Christmas Club

  • $25 Minimum Balance
  • Dividends paid on balances of $100 or more

Value Checking (Ages 25 thru 49)

  • $5 Service Fee waived and dividends paid on balances of $500 or more
  • Free Home Banking, Mobile Money, Bill Pay, and E-Statements 
  • Free ATM Card, Unlimited Check Writing
  • No Per Check Charge, Overdraft Protection
  • Free VISA Debit Card
  • Courtesy Pay (overdraft privilege with approval)
  • Account converts to 50-Plus Checking at age 50

50-Plus Checking (Ages 50-Plus)

  • No Monthly Service Fee
  • Free Money Orders (5 per month) and Free Travelers Checks
  • Plus all of the features of Value Checking

1st Time Checking (Ages 15 thru 24)

  • No Monthly Service Fee
  • Free Checks (First Box Basic)
  • Plus all of the features of Value Checking
  • Account converts to Value Checking at age 25

Freedom Checking

  • $10 Monthly Service Fee
  • Free VISA Debit Card
  • Overdraft Protection
  • No minimum Balance

VISA Debit Cards (Checking only)

Courtesy Pay

  • Overdraft Privilege that pays NSF checks
  • Courtesy Pay may cover overdrafts caused by any of the following means: the checks you write, debit card transactions, ACH and/or Automatic or preauthorized debits that you establish (insurance premiums, utility bills, etc.), and Internet Bill Pay transactions.  There is no additional monthly fee for this service.  Should an overdraft occur and your item is paid under courtesy pay, your account will be charged our standard fee of $25 for handling each item.  This is the same fee that TFCU charges for items drawn against insufficient funds that are returned to the payee.  If multiple items are presented against your account on the same day, each item will be assessed the NSF fee.  Courtesy Pay is not a line of credit and the privilege may be withdrawn by TFCU at any time.

    Courtesy Pay Policy

ATM Cards (Savings and Checking)



  • Autos, Boats (New and Used)
  • Signature (unsecured), Consolidation
  • Motorcycles (New and Used)
  • Real Estate (1ST & 2ND Mortgage)
  • New and Used RVs, Campers and Jet Skis
  • Share-Secured (fully secured by Shares)


  • 6.9% Fixed Rate
  • No Annual Fee, 25-Day Grace period


  • 1-800-724-7581 (Inquiries and Transactions 24/7)

Drive-Up ATMs (All Locations)

  • Plus, Pulse, Cirrus, Visa, MasterCard & CU24

Share Certificates (Certificates of Deposit)

  • 6 months / $5,000 minimum
  • 12-24 months / $1,000 minimum

Night Depository (All Locations)

Drive Thru Windows (Columbus Centre and Starkville MSU)

Insurance Services

  • Whole Life/Term Life
  • Accidental Death & Dismemberment
  • Hospital Accident Plan
  • MEMBERS Auto (Liberty Mutual)
  • MEMBERS Homeowners (Liberty Mutual)
  • Combined Credit Life & Disability

Wire Services

Direct Deposits (ACH)

Payroll Deductions

  • Savings/Checking/Loan Payments/Christmas Club

Money Orders / Travelers Checks

VISA Gift Cards

Free Notary Service

Family Memberships

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