*APY=Annual Percentage Yield. Yields are subject to change at anytime.

*APY = Annual Percentage Yield. APY is the annualized rate based on a compounding period of one year. When the deposited money earns dividends and the accumulated dividends starts earning dividends as well, we are talking about compounding. Fees could reduce the earnings on an account. All yields except Certificate yields are subject to change retroactively to the beginning of the month.

*High Yield Checking: An initial deposit of $20 is required to open any Checking Account. High Yield Checking is an interest earning checking account eligible for up to {@HIGH_YIELD_CHECKING_UP_TO_5K_RATE} APY interest on the average daily balance in the checking account up to $5000 (five thousand dollars) and {@HIGH_YIELD_CHECKING_OVER_5K_APY}  APY on balances over $5000. Dividends are calculated by applying a periodic rate to the Average Daily Balance in the account for the Dividend period. High Yield Checking will earn up to {@HIGH_YIELD_CHECKING_UP_TO_5K_RATE} APY interest and is eligible for up to $10 (ten dollars) in ATM surcharge rebates per statement cycle subject to the following: 1) $1,000 (one thousand dollars) monthly minimum direct deposit, 2) eStatements, and 3) 10 Debit Card Point of Sale (PIN and Signature based) posted transactions using the Farmers Insurance Federal Credit Union Debit Card. Posted transactions count toward monthly minimums. Interest earned will be credited to the account at the end of the statement period. Additional restrictions apply: I must be a Member in good standing with a valid email address on file with the Credit Union. Qualifying transactions must post and clear the account during the monthly qualification cycle. Should the account not qualify for ATM surcharge rebates and/or the {@HIGH_YIELD_CHECKING_UP_TO_5K_RATE} APY interest, and for balances in excess of $5000, the account will earn {@HIGH_YIELD_CHECKING_OVER_5K_APY} APY (twenty basis points) on the checking account balance. Transactions may take one or more business days from the transaction date to post to the account. At the time of the statement cycle date you will verify the combined products and services used since the previous cycle date to determine the qualification for the {@HIGH_YIELD_CHECKING_UP_TO_5K_RATE} interest and the eligibility for the ATM surcharge rebate. In the event that my monthly $1,000 ACH direct deposit credit does not come in for a 60 day period, the loan discount and the rate bump-up on the certificate will also be discontinued. Current interest rates and the annual percentage yield may be found at the Credit Union’s website, may be verified at a Credit Union Branch or by calling 800.877.2345. Interest rates earned, ATM surcharge rebate amounts and qualifying dollar amounts for interest earned are subject to change at any time. APYs, ATM surcharge rebate amounts and eligibility criteria are subject to change at any time. Fees may reduce earnings. Accounts with one calendar month of no activity will be assessed an inactivity fee of $5.

*New Members Savings Account Bonus: New Members/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member. Eligible “Member” must open a qualified bonus account with a minimum qualifying deposit/loan in new money to the Credit Union within 10 days of joining the Credit Union. Bonus will be paid by the 20th day of the following month after qualifying activities are completed. Bonuses will be paid for the following:  Savings Account Bonus: Eligible “New Member” must open a qualified non-maturity (non Certificate) savings account with a minimum deposit of $20,000 (twenty thousand dollars) in new money to the Credit Union within 10 days of joining the Credit Union. At least $20,000 must stay in the deposit account for 4 (four) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. 

$100 bonus for account balances totaling $20,000 to $29,999 for 4 consecutive months.  $150 bonus for account balances totaling $30,000 to $49,999 for 4 consecutive months.  $100 bonus for account balances totaling $50,000 or more for 4 consecutive months. 

Promotion is available starting July 1, 2024 until further notice. Offer availability subject to change. Bonus recipient must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account. Bonus recipient must be at least 18 years of age, able to open an active membership in good standing and not have caused a loss to the Credit Union. “Bonus” is considered interest and will be reported to the IRS. 

APY = Annual Percentage Yield. APY is the annualized rate based on a compounding period of one year. When the deposited money earns dividends and the accumulated dividends starts earning dividends as well, we are talking about compounding. Fees could reduce the earnings on an account. All yields except Certificate yields are subject to change retroactively to the beginning of the month.

**APY = Annual Percentage Yield. APY is the annualized rate based on a compounding period of one year. When the deposited money earns dividends and the accumulated dividends starts earning dividends as well, we are talking about compounding. Fees could reduce the earnings on an account. All yields except Certificate yields are subject to change retroactively to the beginning of the month.  

An initial deposit of $20 is required to open any Checking Account. High Yield Checking is an interest earning checking account eligible for up to {@HIGH_YIELD_CHECKING_UP_TO_5K_RATE} APY interest on the average daily balance in the checking account up to $5,000 (five thousand dollars) and {@HIGH_YIELD_CHECKING_OVER_5K_APY} APY on balances over $5000. Dividends are calculated by applying a periodic rate to the Average Daily Balance in the account for the Dividend period. High Yield Checking will earn up to {@HIGH_YIELD_CHECKING_UP_TO_5K_RATE} APY interest and is eligible for up to $10 (ten dollars) in ATM surcharge rebates per statement cycle subject to the following: 1) $1,000 (one thousand dollars) monthly minimum direct deposit, 2) eStatements, and 3) 10 Debit Card Point of Sale (PIN and Signature based) posted transactions using the Farmers Insurance Federal Credit Union Debit Card. Posted transactions count toward monthly minimums. Interest earned will be credited to the account at the end of the statement period. Additional restrictions apply: I must be a Member in good standing with a valid email address on file with the Credit Union. Qualifying transactions must post and clear the account during the monthly qualification cycle. Should the account not qualify for ATM surcharge rebates and/or the {@HIGH_YIELD_CHECKING_UP_TO_5K_RATE} APY interest, and for balances in excess of $5,000, the account will earn {@HIGH_YIELD_CHECKING_OVER_5K_APY} APY (twenty basis points) on the checking account balance. Transactions may take one or more business days from the transaction date to post to the account. At the time of the statement cycle date you will verify the combined products and services used since the previous cycle date to determine the qualification for the {@HIGH_YIELD_CHECKING_UP_TO_5K_RATE} interest and the eligibility for the ATM surcharge rebate. In the event that my monthly $1,000 ACH direct deposit credit does not come in for a 60 day period, the loan discount and the rate bump-up on the certificate will also be discontinued. Current interest rates and the annual percentage yield may be found at the Credit Union’s website, may be verified at a Credit Union Branch or by calling 800.877.2345. Interest rates earned, ATM surcharge rebate amounts and qualifying dollar amounts for interest earned are subject to change at any time. APYs, ATM surcharge rebate amounts and eligibility criteria are subject to change at any time. Fees may reduce earnings. Accounts with one calendar month of no activity will be assessed an inactivity fee of $5.

**Online Savings: APY = Annual Percentage Yield. APY is the annualized rate based on a compounding period of one year. When the deposited money earns dividends and the accumulated dividends starts earning dividends as well, we are talking about compounding. Fees could reduce the earnings on an account. All yields except Certificate yields are subject to change retroactively to the beginning of the month.

Variable Rate Certificate 36-Month Term (Variable Rate Certificate) No additional deposits accepted (other than dividends) during certificate term renewals. Fund your account with a minimum deposit of $1,000. Annual Percentage Yield (APY) rate is based on current Federal Funds Rate Upper Limit of {@VARIABLE_RATE_CERTIFICATE} APY plus a 0.25% spread. Yield rate is {@VARIABLERATE_CERTIFICATE_36MONTHS} APY. Base rate is {@VARIABLERATE_CERTIFICATE_36MONTHS_APR} APR. Rates are subject to change on the first day of each calendar month following account opening. No bonus dividends (no jumbo bonus and no DDEP bonus). At maturity, account renews into the same product: Variable Rate Certificate 36-Month Term renews into a Variable Rate Certificate 36-Month Term; Variable Rate IRA 36-Month Term renews into a Variable Rate IRA 36-Month Term. Early withdrawal penalties may be imposed and fees could reduce earnings and/or principal. APY interest rate will follow the Federal Funds Rate Upper Limit. Rates are subject to change on the first day of each calendar month following account opening. Rates are subject to change without notice. Rate may not be combined with any other rate increase/bonus. Regular share certificate requirement on a 365 day basis. IRAs qualify for Variable Rate Certificate. Minimum balance to obtain the available rates for Variable Rate Certificate 36-Month Term advertised annual percentage yield is $1,000. Fund your account with a minimum deposit of $1,000. Early withdrawal penalties may be imposed and fees could reduce earnings and/or principal. Refer to our TISA Disclosure for terms and conditions. Federal regulations require dividends be paid from available earnings; dividends are contingent upon this regulation.

Limited Time 3-Month and 6-Month Share Certificates. The following terms are available as follows: 3 months, and 6 months. This is a promotional yield of {@3_MONTH_CERTIFICATE_SPECIAL} APY; Annual Percentage Yield (APY) is calculated on a 3.93% base rate. Yields are subject to change without notice. “Limited Time 3-Month and 6-Month” Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., “Direct Deposit Bonus” and “Jumbo Certificate” increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA share certificates do not qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The 3-Month promotional Certificate will automatically roll over to a 3-Month Certificate at the available rates of Certificates at maturity. The 6-Month promotional Certificate will automatically roll over to a 6-Month Certificate at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.

*APY = Annual Percentage Yield. Yields are subject to change at any time. Early withdrawal penalty and fees could reduce the earnings on an account.  

**APY = Annual Percentage Yield. APY is the annualized rate based on a compounding period of one year. When the deposited money earns dividends and the accumulated dividends starts earning dividends as well, we are talking about compounding. Fees could reduce the earnings on an account. All yields except Certificate yields are subject to change retroactively to the beginning of the month.

†No branch or call center access with this account.  

**New Member Checking & Direct Deposit Bonus: New Members/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member. Eligible “Member” must open a qualified bonus account with a minimum qualifying deposit in new money to the Credit Union within 10 days of joining the Credit Union. Bonus will be paid by the 20th day of the following month after qualifying activities are completed. Bonuses will be paid for the following: Eligible “New Member” must open a FIGFCU Checking account within 10 days of joining the Credit Union, and posted a qualified ACH Direct Deposit amounting to a minimum of $1,000 (one thousand dollars) per calendar month into the Checking account no later than 45 days after joining the Credit Union. The ACH Direct Deposit must occur for 3 (three) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month.

$100 bonus for newly qualified Direct Deposits totaling $1,000 to $4,999 for 3 consecutive months. $250 bonus for newly qualified Direct Deposits totaling $5,000 or more for 3 consecutive months.

Promotion is available starting July 1, 2024 until further notice. Offer availability subject to change. Bonus recipient must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account. Bonus recipient must be at least 18 years of age, able to open an active membership in good standing and not have caused a loss to the Credit Union. “Bonus” is considered interest and will be reported to the IRS.

‡New Members Savings Account Bonus: New Member Bonus Program New Members/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member. Eligible “Member” must open a qualified bonus account with a minimum qualifying deposit/loan in new money to the Credit Union within 10 days of joining the Credit Union. Bonus will be paid by the 20th day of the following month after qualifying activities are completed. Bonuses will be paid for the following:  Savings Account Bonus: Eligible “New Member” must open a qualified non-maturity (non CD) savings account with a minimum deposit of $20,000 (twenty thousand dollars) in new money to the Credit Union within 10 days of joining the Credit Union. At least $20,000 must stay in the deposit account for 4 (four) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. 

$100 bonus for account balances totaling $20,000 to $29,999 for 4 consecutive months.  $150 bonus for account balances totaling $30,000 to $49,999 for 4 consecutive months.  $100 bonus for account balances totaling $50,000 or more for 4 consecutive months. 

Promotion is available starting July 1, 2024 until further notice. Offer availability subject to change. Bonus recipient must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account. Bonus recipient must be at least 18 years of age, able to open an active membership in good standing and not have caused a loss to the Credit Union. “Bonus” is considered interest and will be reported to the IRS.  

Rate bonus is for a minimum of $1,000 monthly ACH Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account. Rates are subject to change at any time. No branch or call center access with this account.

Rate bonus is for a minimum of $1,000 monthly ACH Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account. Rates are subject to change at any time.

The national average for this type of account is {@NATIONAL_AVERAGE} APY, based on rates published in the FDIC Monthly National Rates and Rate Caps accurate as of 01/21/2025.

‡The national average for this type of account is {@NATIONAL_AVERAGE} APY, based on rates published in the FDIC Monthly National Rates and Rate Caps accurate as of 01/21/2025.

†Rate bonus is for a minimum of $1,000 monthly ACH Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account. Rates are subject to change at any time. Rate discount is for a minimum of $1,000 monthly ACH Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction as a repayment method to qualify. Rates are subject to change at any time.

APY = Annual Percentage Yield. Yields are subject to change at any time. Early withdrawal penalty and fees could reduce the earnings on an account.

†Certificates: Early withdrawal penalties may be imposed and fees could reduce earnings and/or principal. APY interest rate will follow the Federal Funds Rate Upper Limit. Rates are subject to change on the first day of each calendar month following account opening. Rates are subject to change without notice. Rate may not be combined with any other rate increase/bonus. Regular share certificate requirement on a 365 day basis. Fund your account with a minimum deposit of $1,000. Early withdrawal penalties may be imposed and fees could reduce earnings and/or principal. Refer to our TISA Disclosure for terms and conditions. Federal regulations require dividends be paid from available earnings; dividends are contingent upon this regulation.

2Limited Time Offer No Penalty 9-Month Certificate Account / Yields are subject to change without notice. This is a promotional yield of {@9MO_NO_PENALTY_CERTIFICATE_APY} APY. Bonus Dividend may not be combined with any other dividend increase/bonus. Annual Percentage Yield (APY) is calculated on a 4.60% base rate, $1,000.00 minimum balance, regular share certificate requirement on a 365 day basis. IRA share certificates do not qualify for this promotion. Deposit must be new funds to the Credit Union and may not be transferred or withdrawn and deposited back into the Credit Union from any existing Credit Union account. No additional deposits accepted (other than dividends) during certificate term. Normal substantial penalty for early withdrawal of certificate funds will be waived as follows: 1) No withdrawals within the first 30 days of setting up the certificate 2) One withdrawal allowed per calendar month after the initial 30 days no withdrawal. Fees and other conditions may reduce earnings. The 9-Month promotional No Penalty Certificate will automatically roll over to a 9-Month Certificate at maturity. Federal regulations require dividends be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions. *APY = Annual Percentage Yield. Rates and terms are subject to change at any time. Fees could reduce the earnings on an account. No Additional deposits are allowed. No withdrawals prior to maturity date subject to terms; penalties will be waived after the first 30 days.

Rate bonus is for a minimum of $1,000 monthly ACH Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account. Rates are subject to change at any time.

Limited Time Offer No Penalty 9-Month Certificate Account / Yields are subject to change without notice. This is a promotional yield of {@9MO_NO_PENALTY_CERTIFICATE_APY} APY. Bonus Dividend may not be combined with any other dividend increase/bonus. Annual Percentage Yield (APY) is calculated on a 4.60% base rate, $1,000.00 minimum balance, regular share certificate requirement on a 365 day basis. IRA share certificates do not qualify for this promotion. Deposit must be new funds to the Credit Union and may not be transferred or withdrawn and deposited back into the Credit Union from any existing Credit Union account. No additional deposits accepted (other than dividends) during certificate term. Normal substantial penalty for early withdrawal of certificate funds will be waived as follows: 1) No withdrawals within the first 30 days of setting up the certificate 2) One withdrawal allowed per calendar month after the initial 30 days no withdrawal. Fees and other conditions may reduce earnings. The 9-Month promotional No Penalty Certificate will automatically roll over to a 9-Month Certificate at maturity. Federal regulations require dividends be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions. *APY = Annual Percentage Yield. Rates and terms are subject to change at any time. Fees could reduce the earnings on an account. No Additional deposits are allowed. No withdrawals prior to maturity date subject to terms; penalties will be waived after the first 30 days.

‡New Member Bonus Program: New Members/New Account must use a valid “promo/promotional” code MEMBER24 at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member. Eligible “Member” must open a qualified bonus account with a minimum qualifying deposit/loan in new money to the Credit Union within 10 days of joining the Credit Union. Bonus will be paid by the 20th day of the following month after qualifying activities are completed. Bonuses will be paid for the following:  Checking & Direct Deposit Bonus: Eligible “New Member” must open a FIGFCU Checking account within 10 days of joining the Credit Union, and posted a qualified ACH Direct Deposit amounting to a minimum of $1,000 (one thousand dollars) per calendar month into the Checking account no later than 45 days after joining the Credit Union. The ACH Direct Deposit must occur for 3 (three) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. 

$100 bonus for newly qualified Direct Deposits totaling $1,000 to $4,999 for 3 consecutive months.  $250 bonus for newly qualified Direct Deposits totaling $5,000 or more for 3 consecutive months.

Savings Account Bonus: Eligible “New Member” must open a qualified non-maturity (non Certificate) savings account with a minimum deposit of $20,000 (twenty thousand dollars) in new money to the Credit Union within 10 days of joining the Credit Union. At least $20,000 must stay in the deposit account for 4 (four) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. 

$100 bonus for account balances totaling $20,000 to $29,999 for 4 consecutive months.  $150 bonus for account balances totaling $30,000 to $49,999 for 4 consecutive months.  $100 bonus for account balances totaling $50,000 or more for 4 consecutive months. 

Promotion is available starting July 1, 2024 until further notice. Offer availability subject to change. Bonus recipient must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account. Bonus recipient must be at least 18 years of age, able to open an active membership in good standing and not have caused a loss to the Credit Union. “Bonus” is considered interest and will be reported to the IRS. 

Offer valid on Direct Deposit Payroll enrollment into a Credit Union share account. This offer may be withdrawn at any time. Only Farmers’ employees qualify for payroll deposit up to two days early. Subject to employer and/or payer terms and conditions. FIGFCU will generally post Farmers payroll direct deposits on the day they are received, which will be up to two days earlier than the scheduled posting date. Other exceptions may apply.

Direct Deposit/Agent Net Check into a FIGFCU Checking Account (either High Yield or CashBack) and Automatic Payment/Folio Deduction to the loan is required. Loan and checking account with DDEP must be under Primary Membership. (Checking/DDEP can NOT be to a joint checking account under a different membership.)  

*{@DDEP_RATE} rates discount is for a minimum of $1,000 monthly Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction as a repayment method to qualify. Rates are subject to change at anytime.

*The interest rate shown is FIGFCU’s current interest rate, based on credit worthiness and minimum FICO Score. Other interest rates, fees, costs, and terms may be available and may change at any time, without notice, and are subject to credit approval. In order to qualify for this loan, agent must have their full Agent Net Check Direct Deposit going into their FIGFCU Checking Account (either High Yield or CashBack) and Automatic Payment/Folio Deduction for the entirety of the Loan.

This loan is subject to fees, costs, and approval.  The loan is subject to a non-refundable application fee. Approved loans will be charged UCC fees and closing costs. The amount of your closing cost will be dependent upon the amount of your loan. Please contact us to determine how much your particular closing costs will be. As long as the loan is outstanding all folio, commission, bonus, and other payments owed by Farmers Insurance Group of Companies must be remitted through a Credit Union checking account. For individuals who were members before January 1, 2025, please talk to us about possible alternatives to having your entire folio, etc., payments remitted through your Credit Union checking account. Borrower agrees that the application fees must be paid prior to the application being processed. Payment of Loan Application Fees is not a guarantee of credit approval. There are no prepayment fees. 

There is a $500 repricing/loan modification fee for Agency Loans.

*APR=Annual Percentage Rate. Rate shown is FIGFCU’s current rate, based on credit worthiness and minimum FICO Score. Other Rates and terms may be available and may change at any time, without notice, and are subject to credit approval. In order to qualify for this loan, agent must maintain their full Agent Net Check Direct Deposit going into their FIGFCU Checking Account (either High Yield or CashBack) and Automatic Payment/Folio Deduction for the entirety of the Loan, if either feature is discontinued, this loan will be subject to default rate, currently 18% APR.

** Agents and DMs: Borrow up to 75% of contract value for an agency acquisition loan or down payment on commercial real estate. Borrow up to 60% of estimated contract value. Agents and DMs: Should a UCC not be on file for an account holder/borrower and their respective agency on another account, one will need to be filed upon the funding/opening of this Credit Line. At such time the prevailing rate/cost for filing a UCC will be assessed against the account holder/borrower.

† Rates as low as {@AGENCY_STAFFING_LOAN_VARIABLE_APR} (APR=Annual Percentage Rate) after a discount of {@DDEP_RATE} for Direct Deposit and Folio Deduction going into a FIGFCU Checking Account (either High Yield or CashBack) in the amount of $1,000.00 or more monthly, subject to FICO© score and FIGFCU underwriting criteria. Certain creditworthiness criteria will apply for loan approval.

†8.74% APR (with Direct Deposit) 9.74% APR(without Direct Deposit) = The Agency Support Loan is Variable Rate Loan. The APR may increase if there is an increase in the Wall Street Journal (Index) Prime Rate. The cost of your credit as a yearly rate will be 0.00% for months 1 through 13 of this agreement. The cost of your credit as a yearly rate is reflected in the interest rate above for months 14* through 36 of this agreement. The monthly payment amount for this loan will not change. *The increased rate is in effect of day one, of month 14, (the date after the 13th payment due date of this agreement) Should you default on this loan the “Default Rate” of 18% will be in effect which may result in additional payments needing to be made.

New money only loan - internal refinances excluded.

APR = Annual Percentage Rate. APR is the annual rate of interest that is paid on an investment, without taking into account the compounding interest within that year. Rates are subject to change at anytime.

*APY = Annual Percentage Yield. APY is the annualized rate based on a compounding period of one year. When the deposited money earns dividends and the accumulated dividends starts earning dividends as well, we are talking about compounding. Fees could reduce the earnings on an account. All yields except Certificate yields are subject to change retroactively to the beginning of the month.

*New Members/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member.

Eligible “Member” must open a qualified bonus account with a minimum qualifying deposit/loan in new money to the Credit Union within 10 days of joining the Credit Union. Bonus will be paid by the 20th day of the following month after qualifying activities are completed. Bonuses will be paid for the following:

$50 Direct Deposit Bonus: Eligible “New Member” must open a Checking account within 10 days of joining the Credit Union, and posted an ACH Direct Deposit amounting to a minimum of $1,000 per calendar month into the Checking account no later than 45 days after joining the Credit Union. The ACH Direct Deposit must occur for 2 (two) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. The “New Member” must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account.

$50 Savings/Deposit Bonus: Eligible “New Member” must open a qualified savings/deposit account with a minimum deposit of $10,000 (ten thousand dollars) in new money to the Credit Union within 10 days of joining the Credit Union. At least $10,000 must stay in the deposit account for 2 (two) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. The “New Member” must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account.

Promotion is available starting March 1, 2025 until further notice. Offer availability subject to change.

Bonus recipient must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account. Bonus recipient must be at least 18 years of age, able to open an active membership in good standing and not have caused a loss to the Credit Union.

“Bonus” is considered interest and will be reported to the IRS.

Blue Visa Disclosure

*Blue Visa is a Share Secured Credit Card requiring deposited funds to be placed on hold with the Credit Union. Your Account is secured by the designated shares you have in a share account, be it an individual or joint account. These pledged shares will secure your account. You may not withdraw amounts that have been specifically pledged to secure your Credit Card Account until the Credit Union agrees to release all or part of the pledged amount.

+APR = annual percentage rate. Rates include discounts for Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction. Rates are subject to change at any time.

**The balance transfer amount from other Farmers Insurance Federal Credit Union credit cards will retain its current rate (i.e., Select Visa at {@SELECT_VISA_RATE}, Visa Platinum at {@VISA_PLATINUM_RATE}, until the transferred balance is paid off. APR=Annual Percentage Rate. Rate quoted is the lowest rate possible for qualified borrowers and is subject to change. Qualification is based on credit history, debt, and the ability to repay. Your rate may vary. All loans subject to credit approval. The newly opened Credit Union credit card's rate will only apply to new transactions. Any balances on the previous Credit Union credit card must be paid off at the prior credit card's rate.

*APR=Annual Percentage Rate. Rate shown is FIGFCU’s current rate, based on credit worthiness and minimum FICO Score. Other Rates and terms may be available and may change at any time, without notice, and are subject to credit approval. In order to qualify for this loan, agent must maintain their full Agent Net Check Direct Deposit going into their FIGFCU Checking Account (either High Yield or CashBack) and Automatic Payment/Folio Deduction for the entirety of the Loan, if either feature is discontinued, this loan will be subject to default rate, currently 18% APR.

†APR=Annual Percentage Rates. Rates shown are our preferred rates based on credit worthiness and a {@DDEP_RATE} Direct Deposit/Folio Direct Deposit and Automatic Payment/Folio Deduction discount, if applicable, and a 0.25% discount when you purchase through the Car Shopping Service. Financing available up to 130% of the Purchase Price, including tax, license, warranties and negative equity on a trade for qualified borrowers. Please speak with a Loan Representative for complete details and qualifying criteria. Rates and terms are subject to credit approval, are subject to change at any time and without notice. All values are determined by the Credit Union using either vehicle cost or Kelly Blue Book/NADA, whichever is lower. Other rates and terms are available.

*Between 7/1/16 and 9/30/16, the average estimated savings off MSRP presented by TrueCar Certified Dealers to users of the TRUECar program, now being offered by the Car Shopping Service, based on users who configured virtual vehicles and who TrueCar identified as purchasing a new vehicle of the same make and model listed on the certificate from a Certified Dealer as of 10/31/2016, was $3,106. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change. The Manufacturer's Suggested Retail Price ("MSRP") is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealer's trade area as not all vehicles are sold at MSRP. Each dealer sets its own pricing. Neither TrueCar nor the Credit Union brokers, sells or leases motor vehicles. 

TrueCar operates this information website ("Service") featuring pricing, performance, technical, and safety data available for new and used vehicles. The Service is not available in all locations.

** Guaranteed Savings not available in all states. In these states, a Target Price is shown, which is a market-based example of what you can reasonably expect to pay for your vehicle as configured. Your configured vehicle may not be available or in-stock at the Certified Dealer.

TrueCar does not broker, sell or lease motor vehicles. Each Certified Dealer sets its own pricing, and will confirm actual vehicle availability from in-stock inventory, including options and color choices.

*New Members/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member.

Eligible “Member” must open a qualified bonus account with a minimum qualifying deposit/loan in new money to the Credit Union within 10 days of joining the Credit Union. Bonus will be paid by the 20th day of the following month after qualifying activities are completed. Bonuses will be paid for the following:

$50 Direct Deposit Bonus: Eligible “New Member” must open a Checking account within 10 days of joining the Credit Union, and posted an ACH Direct Deposit amounting to a minimum of $1,000 per calendar month into the Checking account no later than 45 days after joining the Credit Union. The ACH Direct Deposit must occur for 2 (two) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. The “New Member” must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account.

$50 Savings/Deposit Bonus: Eligible “New Member” must open a qualified savings/deposit account with a minimum deposit of $10,000 (ten thousand dollars) in new money to the Credit Union within 10 days of joining the Credit Union. At least $10,000 must stay in the deposit account for 2 (two) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. The “New Member” must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account.

Promotion is available starting July 1, 2024 until further notice. Offer availability subject to change.

Bonus recipient must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account. Bonus recipient must be at least 18 years of age, able to open an active membership in good standing and not have caused a loss to the Credit Union.

“Bonus” is considered interest and will be reported to the IRS.  

An initial deposit of $20 is required to open any Checking Account. CashBack Checking will earn a $5 (five dollar) reward and is eligible for up to $10 (ten dollars) in ATM surcharge rebates per statement cycle subject to the following: 1) $1,000 (one thousand dollars) monthly minimum direct deposit, 2) eStatements, and 3) 10 Debit Card Point of Sale (PIN and Signature based) posted transactions using the Farmers Insurance Federal Credit Union Debit Card on the CasbBack Checking Account. Posted transactions count toward monthly minimums. Additional restrictions apply: I must be a Member in good standing with a current, valid email address on file with the Credit Union. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to the account. At the time of the statement cycle date the Credit Union will verify the combined products and services used since the previous cycle date to determine the qualification for the $5 reward and the eligibility for the ATM surcharge rebate. In the event that my monthly $1,000 ACH Direct Deposit credit is not received by the Credit Union for a 60 day period, any loan discount which requires the said monthly deposit, CashBack rewards and rebates, and any rate bump-ups on any share certificates will also be discontinued. CashBack reward amount may be found at the Credit Union’s website, verified at a Credit Union Branch or by calling 800.877.2345. Rewards, ATM surcharge rebate amounts, and eligibility criteria are subject to change at any time. Fees may reduce earnings and/or rewards. Accounts with one calendar month of no activity will be assessed an inactivity fee of $5.

*New Member Checking & Direct Deposit Bonus: New Members/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member.

Checking & Direct Deposit Bonus: Eligible “New Member” must open a FIGFCU Checking (Share draft) account within 10 days of joining the Credit Union, and posted a qualified ACH Direct Deposit amounting to a minimum of $1,000 (one thousand dollars) per calendar month into the Checking account no later than 40 days after joining the Credit Union. Once the account is open the qualifying ACH Direct Deposit must occur for the next 3 (three) consecutive months before bonus is paid. The amount of the qualifying deposits for the first 4 (four) months after the checking account is opened will determine the amount of the bonus. The bonus will be paid by the 20th day of the following fourth month. 

$100 bonus for newly qualified Direct Deposits totaling $1,000 to $4,999 for the 4 (four) consecutive months from when the checking account is opened, including the month the account was opened.  $250 bonus for newly qualified Direct Deposits totaling $5,000 or more for the 4 (four) consecutive months from when the checking account is opened, including the month the account was opened. 

**An initial deposit of $20 is required to open any Checking Account. CashBack Checking will earn a $5 (five dollar) reward and is eligible for up to $10 (ten dollars) in ATM surcharge rebates per statement cycle subject to the following: 1) $1,000 (one thousand dollars) monthly minimum direct deposit, 2) eStatements, and 3) 10 Debit Card Point of Sale (PIN and Signature based) posted transactions using the Farmers Insurance Federal Credit Union Debit Card on the CasbBack Checking Account. Posted transactions count toward monthly minimums. Additional restrictions apply: I must be a Member in good standing with a current, valid email address on file with the Credit Union. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to the account. At the time of the statement cycle date the Credit Union will verify the combined products and services used since the previous cycle date to determine the qualification for the $5 reward and the eligibility for the ATM surcharge rebate. In the event that my monthly $1,000 ACH Direct Deposit credit is not received by the Credit Union for a 60 day period, any loan discount which requires the said monthly deposit, CashBack rewards and rebates, and any rate bump-ups on any share certificates will also be discontinued. CashBack reward amount may be found at the Credit Union’s website, verified at a Credit Union Branch or by calling 800.877.2345. Rewards, ATM surcharge rebate amounts, and eligibility criteria are subject to change at any time. Fees may reduce earnings and/or rewards. Accounts with one calendar month of no activity will be assessed an inactivity fee of $5.

Savings rate bonus is for a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account. Rates are subject to change at any time. 

†1.00% APR loan rate discount is for a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction as a repayment method to qualify. Rates are subject to change at any time.

† Not available for IRA certificates

*APY = Annual Percentage Yield. Rates current as of October 01, 2024. APY is the annualized rate based on a compounding period of one year. When the deposited money earns interest and the accumulated interest starts earning interest as well, we are talking about compounding. All rates except certificate rates are subject to change retroactively to the beginning of the month, as determined at the monthly Board of Directors meeting. Certificate rates subject to change at any time and are subject to substantial penalties for early withdrawal. Extra bonus rates apply only to certificate accounts. Direct Deposit (DDEP) Bonus For Regular Terms Share Certificates 36 months and longer & IRA Certificates 36 months and longer: Certificate account holders can get an additional 0.25% if they have DDEP going into their FIGFCU Checking Account (either High Yield or CashBack) in the amount of $1,000.00 or more monthly in the amount of $1,000.00 or more monthly (Members paid bi-monthly can have DDEP deposits of $500 each to reach the $1,000 monthly minimum). Rate bonus will be applied upfront after account opening. If a qualifying DDEP cannot be verified at time of account opening, the first succeeding DDEP must be received within a maximum of 60 days from the date that the promotional account is opened. If a member has direct deposit under a different account number than the account that is being used to open the new certificate, he/she can still qualify for the 0.25% bonus. If DDEP has not been received within the 60-day timeline the bonus will be forfeited, the rate will be reduced by 0.25%, and future earnings will be at the reduced rate. DDEP must be maintained for this bonus, and the bonus can be forfeited if DDEP is cancelled or falls below qualifying threshold during the term of the certificate. There will be no Rate Bonus on current certificates, however bonus can be added at time of renewal and during the grace period.

Checking Account Debit Card Bonus

Checking Accounts that have been recently inactive, defined as no debit card use in 60 days or more, between the dates of September 4, 2024, to November 4, 2024, will earn $50 (fifty dollars) for Checking accounts with 10 debit card transactions or more for a 3 (three) consecutive calendar months period originating no earlier than November 1, 2024, and no later than January 31, 2025. Bonuses will be paid out by March 31, 2025. Limit of one reward per member number. (Members with multiple checking accounts cannot combine swipes from multiple accounts). Qualifying transactions must “post” to the designated account during the promotional period. All purchase swipes using FIGFCU Visa® Debit Card, whether transacted as “credit”/signature-based or using the PIN-based transaction, will qualify toward the 10 or more transaction count. ATM transactions will not qualify. Transactions may take 2 (two) business days from the date of purchase to post. Member must be in good standing to be eligible for bonus. New accounts are subject to FIGFCU approval, and all other terms and conditions apply. This offer is valid only for individual account/card holders, is non-transferable and cannot be combined with any other offer. Awards may be subject to IRS reporting requirements. Recipients are responsible for income tax liability if applicable. Visa® is a registered trademark.

† The initial box of checks for an account are free (Farmers Insurance Federal Credit Union corporate logo style checks only)

*Visit figfcu.org/cashback-checking and figfcu.org/high-yield-checking for complete disclosures. Rewards, APYs, qualifying dollar amounts for interest earned, ATM surcharge rebate amounts and eligibility criteria are subject to change at any time. Fees may reduce earnings. Checking Accounts opened between Nov 1 and Dec 31 will earn $25 (twenty-five dollars) for accounts with 10+ debit card transactions during the period of November 1 – 30, 2020. And an additional $25 (twenty-five) for checking accounts with 10+ debit card transactions during the period of December 1 – 31, 2020. Bonuses will be paid out by January 31, 2021. Limit of one reward per member number. Qualifying transactions must “post” to the designated account during the promotional period. All purchase swipes using FIGFCU Visa Debit Card, whether transacted as “credit” / signature based or using the PIN based transaction will qualify towards the 10+ transaction count. ATM transactions will not qualify. Transactions may take two business days from the date of purchase to post. Member must be in good standing to be eligible for bonus. New accounts are subject to FIGFCU approval and all other terms and conditions apply. This offer valid only for individual account/card holders, is non-transferable and cannot be combined with any other offer. Awards may be subject to IRS reporting requirements. Recipients are responsible for income tax liability if applicable. Visa is a registered trademark.

An initial deposit of $20 is required to open any Checking Account.

† The initial box of checks for an account are free (Farmers Insurance Federal Credit Union corporate logo style checks only)

*Visit figfcu.org/cashback-checking and figfcu.org/high-yield-checking for complete disclosures. Rewards, APYs, qualifying dollar amounts for dividends earned, ATM surcharge rebate amounts and eligibility criteria are subject to change at any time. Fees may reduce earnings.

*New Member Checking & Direct Deposit Bonus: New Members/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member.

Checking & Direct Deposit Bonus: Eligible “New Member” must open a FIGFCU Checking (Share draft) account within 10 days of joining the Credit Union, and posted a qualified ACH Direct Deposit amounting to a minimum of $1,000 (one thousand dollars) per calendar month into the Checking account no later than 40 days after joining the Credit Union. Once the account is open the qualifying ACH Direct Deposit must occur for the next 3 (three) consecutive months before bonus is paid. The amount of the qualifying deposits for the first 4 (four) months after the checking  account is opened will determine the amount of the bonus. The bonus will be paid by the 20th day of the following fourth month. 

$100 bonus for newly qualified Direct Deposits totaling $1,000 to $4,999 for the 4 (four) consecutive months from when the checking account is opened, including the month the account was opened.    $250 bonus for newly qualified Direct Deposits totaling $5,000 or more for the 4 (four) consecutive months from when the checking account is opened, including the month the account was opened. 

An initial deposit of $20 is required to open any Checking Account.

**The initial box of checks for an account are free (Farmers Insurance Federal Credit Union corporate logo style checks only)

†Visit figfcu.org/cashback-checking and figfcu.org/high-yield-checking for complete disclosures. Rewards, APYs, qualifying dollar amounts for dividends earned, ATM surcharge rebate amounts and eligibility criteria are subject to change at any time. Fees may reduce earnings.

*APY=Annual Percentage Yield. Yields are subject to change at anytime.

An initial deposit of $20 is required to open any Checking Account. High Yield Checking is an interest earning checking account eligible for up to 5.00% APY interest on the average daily balance in the checking account up to $5000 (five thousand dollars) and 0.20% APY on balances over $5000. Dividends are calculated by applying a periodic rate to the Average Daily Balance in the account for the Dividend period. High Yield Checking will earn up to 5.00% APY interest and is eligible for up to $10 (ten dollars) in ATM surcharge rebates per statement cycle subject to the following: 1) $1,000 (one thousand dollars) monthly minimum direct deposit, 2) eStatements, and 3) 10 Debit Card Point of Sale (PIN and Signature based) posted transactions using the Farmers Insurance Federal Credit Union Debit Card. Posted transactions count toward monthly minimums. Interest earned will be credited to the account at the end of the statement period. Additional restrictions apply: I must be a Member in good standing with a valid email address on file with the Credit Union. Qualifying transactions must post and clear the account during the monthly qualification cycle. Should the account not qualify for ATM surcharge rebates and/or the 5.00% APY interest, and for balances in excess of $5000, the account will earn 0.20% APY (twenty basis points) on the checking account balance. Transactions may take one or more business days from the transaction date to post to the account. At the time of the statement cycle date you will verify the combined products and services used since the previous cycle date to determine the qualification for the 5.00% interest and the eligibility for the ATM surcharge rebate. In the event that my monthly $1,000 ACH direct deposit credit does not come in for a 60 day period, the loan discount and the rate bump-up on the certificate will also be discontinued. Current interest rates and the annual percentage yield may be found at the Credit Union’s website, may be verified at a Credit Union Branch or by calling 800.877.2345. Interest rates earned, ATM surcharge rebate amounts and qualifying dollar amounts for interest earned are subject to change at any time. APYs, ATM surcharge rebate amounts and eligibility criteria are subject to change at any time. Fees may reduce earnings. Accounts with one calendar month of no activity will be assessed an inactivity fee of $5.

**New Member Checking & Direct Deposit Bonus: New Members/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member.

Eligible “Member” must open a qualified bonus account with a minimum qualifying deposit in new money to the Credit Union within 10 days of joining the Credit Union. Bonus will be paid by the 20th day of the following month after qualifying activities are completed. Bonuses will be paid for the following:

Eligible “New Member” must open a FIGFCU Checking account within 10 days of joining the Credit Union, and posted a qualified ACH Direct Deposit amounting to a minimum of $1,000 (one thousand dollars) per calendar month into the Checking account no later than 45 days after joining the Credit Union. The ACH Direct Deposit must occur for 3 (three) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month.

$100 bonus for newly qualified Direct Deposits totaling $1,000 to $4,999 for 3 consecutive months. $250 bonus for newly qualified Direct Deposits totaling $5,000 or more for 3 consecutive months.

Promotion is available starting July 1, 2024 until further notice. Offer availability subject to change.

Bonus recipient must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account. Bonus recipient must be at least 18 years of age, able to open an active membership in good standing and not have caused a loss to the Credit Union.

“Bonus” is considered interest and will be reported to the IRS.

† Rate bonus is for a minimum of $1,000 monthly ACH Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account. Rates are subject to change at anytime. Rate discount is for a minimum of $1,000 monthly ACH Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction as a repayment method to qualify. Rates are subject to change at anytime.

** Offer valid on $1,000 monthly Direct Deposit Payroll enrollment into a Credit Union share account. This offer may be withdrawn at any time. Only Farmers’ employees qualify for payroll deposit two days early. Subject to employer and/or payer terms and conditions. FIGFCU will generally post Farmers payroll direct deposits on the day they are received, which will be up to two days earlier than the scheduled posting date. Other exceptions may apply.

Direct Deposit/Agent Net Check into a FIGFCU Checking Account (either High Yield or CashBack) and Automatic Payment/Folio Deduction to the loan is required. Loan and checking account with DDEP must be under Primary Membership. (Checking/DDEP can NOT be to a joint checking account under a different membership.)  

† {@DDEP_RATE} Rate discount for $1,000 monthly Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction.

*APR = Annual Percentage Rate. APR is the annual rate of interest that is paid on an investment, without taking into account the compounding interest within that year. Rates are subject to change at any time.

1.00% rate discount is for a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction as a repayment method to qualify. Rates are subject to change at any time.

There is a $500 refinance fee for Home Equity Loans booked within the last 12 months, unless $20,000 new cash is added to the loan request.

*The national average for this type of account is 0.42% APY, based on rates published in the FDIC Monthly National Rates and Rate Caps accurate as of 01/21/2025.

**APY = Annual Percentage Yield. APY is the annualized rate based on a compounding period of one year. When the deposited money earns dividends and the accumulated dividends starts earning dividends as well, we are talking about compounding. Fees could reduce the earnings on an account. All yields except Certificate yields are subject to change retroactively to the beginning of the month.

Rate bonus is for a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account. Rates are subject to change at any time.

†No branch or call center access with this account.

*APY = Annual Percentage Yield. APY is the annualized rate based on a compounding period of one year. When the deposited money earns dividends and the accumulated dividends starts earning dividends as well, we are talking about compounding. Fees could reduce the earnings on an account. All yields except Certificate yields are subject to change retroactively to the beginning of the month.

Rate bonus is for a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account. Rates are subject to change at any time.

**No branch or call center access with this account. 

†The national average for this type of account is 0.42% APY, based on rates published in the FDIC Monthly National Rates and Rate Caps accurate as of 01/21/2025.

Maximum 1st TD loan amount up to $1,089,300 based on high-cost county loan limits. Borrower must become member of FIGFCU to qualify and is available to all Credit Union members who apply for a mortgage, submit and close their loan application. All applications are subject to credit and loan approval. Not eligible in select states: Alabama, Alaska, Florida, Hawaii, Louisiana.

Maximum 80% CLTV for Texas residents.

Farmers Insurance Federal Credit Union: NMLS# 408877. 

†APR=Annual Percentage Rate. Rate shown is FIGFCU’s preferred rate, based on credit worthiness and minimum FICO Score. Other Rates and terms may be available and may change at any time, without notice, and are subject to credit approval. The quoted preferred rate reflects a {@DDEP_RATE} Discount: In order to qualify for the {@DDEP_RATE} discount, agent/borrower must maintain Direct Deposit/Net Check going into their FIGFCU Checking Account (either High Yield or CashBack) in the amount of $1,000.00 or more monthly and Automatic Payment/Folio Deduction for the entirety of the Loan, if either feature is discontinued, the {@DDEP_RATE} discount will be forfeited. 

*Agents and DMs: Borrow up to 75% of contract value for an agency acquisition loan or down payment on commercial real estate. Borrow up to 60% of estimated contract value. Agents and DMs: Should a UCC not be on file for an account holder/borrower and their respective agency on another account, one will need to be filed upon the funding/opening of this Credit Line. At such time the prevailing rate/cost for filing a UCC will be assessed against the account holder/borrower.  

**Owner Occupied Properties Only and Maximum 65% LTV

2024 Creative Arts Contest Entrants must be a member or the relative of a Credit Union Member, ages 3 to 17 years old as of the contest entry dates. Artwork must be original and designed on 11” wide x 8-1/2” high paper. (Artwork placement will be horizontal.) Kids of members submit art aligned with the theme "What family means to me” and/or “This is my family" 

Artwork should follow the theme of "What family means to me” and/or “This is my family." Artwork must be created by one or more of the following media: crayons, Pen/Ink, Marker, Watercolor, or Digitally (must be created by human/NON-AI). 

By entering, participants release and hold harmless the Credit Union and its respective affiliates, directors, officers, employees, and agents from any and all liability for loss or damage of any kind arising from or in connection with the Contest. Submission of Artwork constitutes permission for Credit Union to use Artwork, winner's name, address (city and state only), statements, photograph, voice and/or likeness for any advertising and promotional purposes relating to the Contest, in any media now known or hereafter devised, without further notice, compensation, consideration, review or consent and without regard to moral rights. Children of Credit Union Employees, officials, its affiliates or their respective households are not eligible to win 2024 Creative Arts Contest.

Original artwork must be labeled with the entrant’s name and age, and Member name and location. All entries become the property of Credit Union and none will be acknowledged or returned.

Contestants’ entries may also be featured in our communications.

A winner from each age group will be chosen: 3-6, 7-10, 11-13, 14-17 (Age at time of submission)

All entries will receive a Credit Union branded gift/acknowledgment (gift to be determined by the Credit Union)  

The four winning entrants will also receive a $100 VISA® Gift Card. Expenses not specifically stated above, together with the reporting and payment of any and all applicable taxes, fees, and/or surcharges, if any, arising out of, or resulting from, acceptance or use of a prize, are the sole responsibility of the winner. Restrictions, conditions, and limitations apply. Credit Union will not replace any lost or stolen prize items.

Limitations of Liability: Credit Union assumes no responsibility or liability for the following: lost, late, misdirected, or damaged artwork. If for any reason, the Contest is not capable of running as planned, including but not limited to unauthorized intervention, fraud, copyright infringement, technical failures, or any other cause beyond the control of the Credit Union which may corrupt or affect the administration, security, fairness, integrity or proper conduct of this Contest, the Credit Union reserves the right at its sole discretion to cancel, terminate, modify or suspend the Contest.

The contest will run from August 12, 2024 through September 20, 2024. Farmers Insurance Federal Credit Union is the operator of this Contest and is solely responsible for the fulfillment of all prizes. Entries not meeting the above and following requirements may be disqualified.

SUBMISSIONS All entries must be received by the Credit Union no later than September 20, 2024.

Online (Preferred):

Please visit our Contest Page at figfcu.org/art-contest Fill out the online entry form and upload artwork photo in JPEG (.jpg) PNG (.png) or GIF (.gif) format. (Original artwork will need to be provided if the child is selected as a contest winner.)

At Your Local Branch

Submit original artwork along with a completed Entry Form to your Branch Counselor An entry form is available at your branch or online at: figfcu.org/art-contest

By Mail: •    Submit original artwork along with a completed “Entry Form” •    A printable entry form is available online at: figfcu.org/art-contest •    Mail entry to: 2024 Creative Arts Contest Entry Farmers Insurance Federal Credit Union PO Box 2723  Torrance, CA 90509-2723

JUDGING  Judging will be conducted by a panel of Credit Union management and staff. All artwork will be judged with only the child’s first name and age displayed. (Member names and locations will not be revealed during the judging process.) Winners will be announced the week of September 30, 2024.

USE Winning artwork entries, once determined, shall become the exclusive property of Credit Union and may be used for publicity, publication, or as content in any media, online or offline, without further permission, unless prohibited by law. All original artwork including but not limited to digitally uploaded images, original photographs, paintings, drawings and otherwise submitted material will not be returned to the entrant. All non-winning designs and photographs submitted remain the property of the Credit Union.

$100 Bonus for New Credit Cards for: Crystal Visa, Select Visa & Visa Platinum: A $100 (one hundred dollars) bonus will be paid in the form of “Visa Statement Credit” when at least $5,000.00 (five thousand dollars) is spent in purchases within the first 3 months (qualifying period) of the “New” Visa card opening. Bonuses will be paid out within 90 days after the qualification period. Example: If a card is activated on January 1, 2021 and the total of qualifying purchases for the months of January, February and March is at least $5,000, the primary borrower will receive a Bonus of $100 (one hundred dollars) no later than July 1, 2021.  Limit of one reward/bonus per member number. Qualifying transactions must “post” to the designated account during the qualified period. All qualifying purchases will count towards the $5,000 in spent purchases unless return for credit of any of the qualifying transactions takes place within 90 days of the end of the qualifying period. Transactions may take two business days from the date of purchase to post. Member must be in good standing to be eligible for bonus. New accounts are subject to FIGFCU approval and all other terms and conditions apply. This offer is valid only for individual account /card holders, is non-transferable and cannot be combined with any other offer. The $100 Bonus is a product promotion sponsored by FIGFCU and may be discontinued at any time.  Visa is a registered trademark.

Zero Percent (0%) Introductory Rate Promotion for purchases, is offered for new FIGFCU Visa Platinum ® Credit Card account holders. This incentive offer, is not available to those members who are opening a new Platinum Visa® and had an outstanding balance or a closed FIGFCU Zero Percent Loan account and/or had any FIGFCU Visa® Credit Card within the last year. If you are in an introductory rate promotion period, you are not eligible to transfer other loan balances, line of credit balances, credit card account balances or CASH Advance to take advantage of the introductory rate promotion.

Select Visa® Zero Percent (0%) Introductory Rate Promotion for purchases, is offered for new FIGFCU Visa® Select Credit Card account holders. This incentive offer, is not available to those members who are opening a new Select Visa and had an outstanding balance or a closed FIGFCU Zero Percent Loan account and/or had any FIGFCU Select Visa® Credit Card within the last year. If you are in an introductory rate promotion period, you are not eligible to transfer other loan balances, line of credit balances, credit card account balances or CASH Advance to take advantage of the introductory rate promotion. For full disclosures visit, figfcu.org/select-visa. Blue Visa is a Share Secured Credit Card requiring deposited funds to be placed on hold with the Credit Union. Your Account is secured by the designated shares you have in a share account, be it an individual or joint account. These pledged shares will secure your account. You may not withdraw amounts that have been specifically pledged to secure your Credit Card Account until the Credit Union agrees to release all or part of the pledged amount. +APR = annual percentage rate. Rates include discounts for Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction. Rates are subject to change at anytime. **The balance transfer amount from other Farmers Insurance Federal Credit Union credit cards will retain its current rate (i.e., Visa Select at 8.99%, Visa Platinum at 10.99%, until the transferred balance is paid off. APR=Annual Percentage Rate. Rate quoted is the lowest rate possible for qualified borrowers and is subject to change. Qualification is based on credit history, debt, and the ability to repay. Your rate may vary. All loans subject to credit approval. The newly opened Credit Union credit card’s rate will only apply to new transactions. Any balances on the previous Credit Union credit card must be paid off at the prior credit card’s rate. Crystal Visa® Zero Percent (0%) Introductory Rate Promotion is offered for new FIGFCU Crystal Visa® account holders. If you are in an introductory rate promotion period, you are not eligible to transfer other loan balances, line of credit balances and credit card account balances to take advantage of the introductory rate promotion. For full disclosures, visit figfcu.org/crystal-visa.

Visa Platinum & Crystal Visa 5x Gas and Groceries Promotion: Target® and Walmart® purchases not included. Earn 5X rewards on up to $1,500 worth of qualifying gas and grocery transactions made on or between July 1, 2024 and September 30, 2024. Qualifying gas and grocery transactions must have the required merchant code signifying the transaction for purchases for gas and grocery transactions (merchant codes 5542, 5541, 5411, 5300). Transactions within other establishments do not apply and we do not control how merchants are categorized. We do not evaluate whether merchants correctly identify and bill transactions; however, we do reserve the right to determine which transactions qualify for the bonus rewards offers. Rewards may mean cash back or points for your program. Cash advances and balance transfers are not eligible for rewards. To earn bonus rewards, you must be a cardholder currently in good standing. Allow up to two billing cycles for bonus rewards to post to your account. All purchases are subject to credit approval. All loans are subject to approval. Terms and conditions subject to change. Some restrictions may apply.

$100 Bonus for New Credit Cards for: Crystal Visa, Select Visa & Visa Platinum: A $100 (one hundred dollars) bonus will be paid in the form of “Visa Statement Credit” when at least $5,000.00 (five thousand dollars) is spent in purchases within the first 3 months (qualifying period) of the “New” Visa card opening. Bonuses will be paid out within 90 days after the qualification period. Example: If a card is activated on January 1, 2021 and the total of qualifying purchases for the months of January, February and March is at least $5,000, the primary borrower will receive a Bonus of $100 (one hundred dollars) no later than July 1, 2021.  Limit of one reward/bonus per member number. Qualifying transactions must “post” to the designated account during the qualified period. All qualifying purchases will count towards the $5,000 in spent purchases unless return for credit of any of the qualifying transactions takes place within 90 days of the end of the qualifying period. Transactions may take two business days from the date of purchase to post. Member must be in good standing to be eligible for bonus. New accounts are subject to FIGFCU approval and all other terms and conditions apply. This offer is valid only for individual account /card holders, is non-transferable and cannot be combined with any other offer. The $100 Bonus is a product promotion sponsored by FIGFCU and may be discontinued at any time.  Visa is a registered trademark.

Zero Percent (0%) Introductory Rate Promotion is offered on ALL purchases for new FIGFCU Crystal Visa® account holders. If you are in an introductory rate promotion period, you are not eligible to transfer other loan balances, line of credit balances and credit card account balances to take advantage of the introductory rate promotion.

The program promotion may be modified, suspended or cancelled or may be changed at any time without notice and without restriction or penalty. Farmers Insurance Federal Credit Union reserves the right to change the promotion rates and program retention period from time to time. You will be notified of any expiration or program changes as required by law. Contact Farmers Insurance Credit Union for details on applicable conversion to current rate and payment options which are then in effect. At Farmers Insurance Federal Credit Union's sole discretion, the promotion offering of the program may be terminated, for any reason, including but not limited to a “Rules Violations”, Your Farmers Insurance Credit Union account is not in good standing or is suspected of fraud, or if you move to another Farmers Insurance Federal Credit Union Credit Card.

This program is void where prohibited or restricted by law. You are responsible for any federal, state, or local taxes.

Loss of Introductory APR: We may end your introductory APR and/or apply the Penalty APR if you make a late payment or are Over limit.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Billing Rights section of the Visa® Credit Card Agreement.

Effective Offering Dates: Promotion period for Zero Percent (0%) introductory is effective for at least the first 6 (six) months from activation of new FIGFCU Crystal Visa® Credit Cards opened beginning July 30, 2020 through “until further notice”.

If you are in an introductory rate promotion, you are not eligible to increase limits until the introductory rate promotion has expired.

TERMS AND CONDITIONS The introductory Annual Percentage Rate (APR) will apply to purchases made during a promotional period of 6 (six) months from the date of opening of your Crystal Visa® account. After this promotional period ends, 6 (six) months from the date of activation of your Visa account, your standard APR will apply to any remaining balance and to all new purchases and balance transfers. The terms of this introductory rate may not be applied to existing Farmers Insurance Federal Credit Union Visa accounts.

This promotional introductory offer is based on meeting Farmers Insurance Federal Credit Union’s criteria for creditworthiness. Farmers Insurance Federal Credit Union will review your credit and employment history and any other information permitted by law to process your application. The credit line on this account will be determined after a credit review of your application by Farmers Insurance Federal Credit Union and will be based on various factors, including income. FIGFCU maintains the right to not open this account if: a) the information provided is incomplete, inaccurate or cannot be verified, or if you do not meet Farmers Insurance Federal Credit Union’s standards for creditworthiness; b) your name and/or mailing address on the credit application have been altered; c) the income you reported on the application is insufficient to support the opening of this account; or d) you do not meet Farmers Insurance Federal Credit Union’s membership eligibility or “member in good standing” requirements. You have the right to review your credit history by contacting the appropriate credit reporting agencies.

Change in APRs, Fees and Other Terms: Farmers Insurance Federal Credit Union may change the APRs, fees and other terms of your account at any time in accordance with applicable law and the Visa Credit Card Agreement. Factors we may consider in determining whether and how to change your terms include, but are not limited to, a late payment or an extension of credit that exceeds the credit limit, the frequency and severity of defaults and other indications of risk on accounts with Farmers Insurance Federal Credit Union and other creditors. To the extent allowed by law, the new terms will affect all outstanding balances. If we increase your APRs for any reason other than an increase in the Prime Rate, the new APRs will apply only to new transactions you make after we notify you of the change in writing.

No points are earned for finance charges, fees, cash advances, convenience checks, foreign transactions currency charges, purchase or currency charges for crypto currency, or insurance charges posted to their account. Charges or transactions may be added to, or removed from, the lists of eligible charges and transactions from time to time at the sole discretion of the Crystal Rewards Program.

*New Members/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member.

Eligible “Member” must open a qualified bonus account with a minimum qualifying deposit/loan in new money to the Credit Union within 10 days of joining the Credit Union. Bonus will be paid by the 20th day of the following month after qualifying activities are completed. Bonuses will be paid for the following:

$50 Direct Deposit Bonus: Eligible “New Member” must open a Checking account within 10 days of joining the Credit Union, and posted an ACH Direct Deposit amounting to a minimum of $1,000 per calendar month into the Checking account no later than 45 days after joining the Credit Union. The ACH Direct Deposit must occur for 2 (two) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. The “New Member” must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account.

$50 Savings/Deposit Bonus: Eligible “New Member” must open a qualified savings/deposit account with a minimum deposit of $10,000 (ten thousand dollars) in new money to the Credit Union within 10 days of joining the Credit Union. At least $10,000 must stay in the deposit account for 2 (two) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. The “New Member” must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account.

Promotion is available starting July 1, 2024 until further notice. Offer availability subject to change.

Bonus recipient must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account. Bonus recipient must be at least 18 years of age, able to open an active membership in good standing and not have caused a loss to the Credit Union.

“Bonus” is considered interest and will be reported to the IRS.

Rates discount is for a minimum of $1,000 monthly Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction as a repayment method to qualify. Rates are subject to change at anytime.

{@DDEP_RATE} Rate discount is for a minimum of $1,000 monthly Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction as a repayment method to qualify. Rates are subject to change at anytime.

+APR = Annual Percentage Rate. APR is the annual rate of interest that is paid on an investment, without taking into account the compounding interest within that year. Rates are subject to change at anytime.

*APY = Annual Percentage Yield. APY is the annualized rate based on a compounding period of one year. When the deposited money earns interest and the accumulated interest starts earning interest as well, we are talking about compounding. Fees could reduce the earnings on an account. Rates current as of April 24, 2023. All rates except certificate rates are subject to change retroactively to the beginning of the month, as determined at the monthly Board of Directors meeting. Certificate rates subject to change at any time and are subject to substantial penalties for early withdrawal. Extra bonus rates apply only to certificate accounts.

‡Direct Deposit (DDEP) Bonus For Regular Terms Share Certificates & IRA Certificates 36 months and longer and Money Market accounts: Certificate and Money Market account holders can get an additional 0.25% if they have DDEP going into their FIGFCU Checking Account (either High Yield or CashBack) in the amount of $1,000.00 or more monthly. (Members paid bi-monthly can have DDEP deposits of $500 each to reach the $1,000 monthly minimum). Rate bonus will be applied upfront after account opening for Certificates and subject to the APY calculations for Money Market accounts. If a qualifying DDEP cannot be verified 1)for Money Market accounts while the account is active or 2)for Certificate accounts at time of account opening, the first succeeding DDEP must be received within a maximum of 60 days from the date that the promotional account is opened. If a member has direct deposit under a different account number than the account that is being used to open the new certificate or Money Market account, he/she can still qualify for the 0.25% bonus. If DDEP has not been received within the 60 day timeline the bonus for the Certificate will be forfeited, the rate will be reduced by 0.25%, and future earnings will be at the reduced rate. DDEP must be maintained for this bonus, and the bonus can be forfeited if DDEP is cancelled or falls below qualifying threshold during the term of the certificate. There will be no Rate Bonus on current certificates, however bonus can be added at time of renewal and during the grace period.

The maximum bonus for Certificates of 0.50% is inclusive of any of the two promotional bonuses: 0.25% for DDEP and deposits over $100,000 earn an additional 0.15%. After all bonuses have been applied, the combined total of extra basis points cannot exceed 0.50%. Rates and terms subject to change at any time.

†Not available for IRA Certificates.

18 Month Certificates will automatically renew for 12 months at maturity.

Branch and call center access are not available with the Online Savings Account.

High Yield Checking Requires 1)$1,000 monthly minimum direct deposit, 2)enrolled in and receiving eStatements and 3)conduct 10 debit card Point of Sale transactions using the Farmers Insurance Federal Credit Union debit card. Additional restrictions apply.

Rainy Day Savings is an interest earning savings account eligible for {@RAINY_DAY_SAVINGS_RATE_1}% APR interest on balances up to $2,000 and the standard Membership Savings rate on balances over $2,000 when funded via recurring ACH deposit or other qualifying external funds. Dividends are calculated by applying a periodic rate to the Average Daily Balance in the account for the Dividend period. Interest earned will be credited to the account at the end of the statement period. This account is limited to two withdrawals per calendar year, each withdrawal in excess of this amount will incur a $20 excessive withdrawal fee that must be paid at the time of the withdrawal. This account does not qualify for withdrawal access via debit or check and does not support transactions originating via VRU, online banking, mobile banking, or ATMs. Withdrawals can be made in person at a Credit Union branch or by calling us at 800.877.2345. This account does not qualify for overdraft protection. Account holder must be a member with a regular share account who is in good standing. Current interest rates and the annual percentage yield may be found at the Credit Union’s website, may be verified at a Credit Union Branch or by calling 800.877.2345. Interest rates earned and qualifying dollar amounts for interest earned are subject to change at any time. APRs and eligibility criteria are subject to change at any time. Fees may reduce earnings. Limit one Rainy Day Account per qualified membership.

**New Member Checking & Direct Deposit Bonus: New Members/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member.

Checking & Direct Deposit Bonus: Eligible “New Member” must open a FIGFCU Checking (sharedraft)account within 10 days of joining the Credit Union, and posted a qualified ACH Direct Deposit amounting to a minimum of $1,000 (one thousand dollars) per calendar month into the Checking account no later than 40 days after joining the Credit Union. Once the account is open the qualifying ACH Direct Deposit must occur for the next 3 (three) consecutive months before bonus is paid. The amount of the qualifying deposits for the first 4 (four) months after the checking  account is opened will determine the amount of the bonus. The bonus will be paid by the 20th day of the following fourth month. 

$100 bonus for newly qualified Direct Deposits totaling $1,000 to $4,999 for the 4 consecutive months from when the checking account is opened, including the month the account was opened.    $250 bonus for newly qualified Direct Deposits totaling $5,000 or more for the 4 consecutive months from when the checking account is opened, including the month the account was opened. 

*An initial deposit of $20 is required to open any Checking Account. CashBack Checking will earn a $5 (five dollar) reward and is eligible for up to $10 (ten dollars) in ATM surcharge rebates per statement cycle subject to the following: 1) $1,000 (one thousand dollars) monthly minimum direct deposit, 2) eStatements, and 3) 10 Debit Card Point of Sale (PIN and Signature based) posted transactions using the Farmers Insurance Federal Credit Union Debit Card on the CasbBack Checking Account. Posted transactions count toward monthly minimums. Additional restrictions apply: I must be a Member in good standing with a current, valid email address on file with the Credit Union. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to the account. At the time of the statement cycle date the Credit Union will verify the combined products and services used since the previous cycle date to determine the qualification for the $5 reward and the eligibility for the ATM surcharge rebate. In the event that my monthly $1,000 ACH Direct Deposit credit is not received by the Credit Union for a 60 day period, any loan discount which requires the said monthly deposit, CashBack rewards and rebates, and any rate bump-ups on any share certificates will also be discontinued. CashBack reward amount may be found at the Credit Union’s website, verified at a Credit Union Branch or by calling 800.877.2345. Rewards, ATM surcharge rebate amounts, and eligibility criteria are subject to change at any time. Fees may reduce earnings and/or rewards. Accounts with one calendar month of no activity will be assessed an inactivity fee of $5.

Savings rate bonus is for a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account. Rates are subject to change at anytime. 

† 1.00% loan rate discount is for a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction as a repayment method to qualify. Rates are subject to change at anytime.

**New Member Checking & Direct Deposit Bonus: New Members/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member.

Checking & Direct Deposit Bonus: Eligible “New Member” must open a FIGFCU Checking (sharedraft)account within 10 days of joining the Credit Union, and posted a qualified ACH Direct Deposit amounting to a minimum of $1,000 (one thousand dollars) per calendar month into the Checking account no later than 40 days after joining the Credit Union. Once the account is open the qualifying ACH Direct Deposit must occur for the next 3 (three) consecutive months before bonus is paid. The amount of the qualifying deposits for the first 4 (four) months after the checking  account is opened will determine the amount of the bonus. The bonus will be paid by the 20th day of the following fourth month. 

$100 bonus for newly qualified Direct Deposits totaling $1,000 to $4,999 for the 4 consecutive months from when the checking account is opened, including the month the account was opened.    $250 bonus for newly qualified Direct Deposits totaling $5,000 or more for the 4 consecutive months from when the checking account is opened, including the month the account was opened. 

*An initial deposit of $20 is required to open any Checking Account. High Yield Checking is an interest earning checking account eligible for up to 5.00% APY interest on the average daily balance in the checking account up to $5,000 (five thousand dollars) and 0.20% APY on balances over $5,000. Dividends are calculated by applying a periodic rate to the Average Daily Balance in the account for the Dividend period. High Yield Checking will earn up to 5.00% APY interest and is eligible for up to $10 (ten dollars) in ATM surcharge rebates per statement cycle subject to the following: 1) $1,000 (one thousand dollars) monthly minimum direct deposit, 2) eStatements, and 3) 10 Debit Card Point of Sale (PIN and Signature based) posted transactions using the Farmers Insurance Federal Credit Union Debit Card. Posted transactions count toward monthly minimums. Interest earned will be credited to the account at the end of the statement period. Additional restrictions apply: I must be a Member in good standing with a valid email address on file with the Credit Union. Qualifying transactions must post and clear the account during the monthly qualification cycle. Should the account not qualify for ATM surcharge rebates and/or the 5.00% APY interest, and for balances in excess of $5000, the account will earn 0.20% APY (twenty basis points) on the checking account balance. Transactions may take one or more business days from the transaction date to post to the account. At the time of the statement cycle date you will verify the combined products and services used since the previous cycle date to determine the qualification for the 5.00% interest and the eligibility for the ATM surcharge rebate. In the event that my monthly $1,000 ACH direct deposit credit does not come in for a 60 day period, the loan discount and the rate bump-up on the certificate will also be discontinued. Current interest rates and the annual percentage yield may be found at the Credit Union’s website, may be verified at a Credit Union Branch or by calling 800.877.2345. Interest rates earned, ATM surcharge rebate amounts and qualifying dollar amounts for interest earned are subject to change at any time. APYs, ATM surcharge rebate amounts and eligibility criteria are subject to change at any time. Fees may reduce earnings. Accounts with one calendar month of no activity will be assessed an inactivity fee of $5.

Savings rate bonus is for a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account. Rates are subject to change at anytime. 

† 1.00% loan rate discount is for a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction as a repayment method to qualify. Rates are subject to change at anytime.

**New Member Checking & Direct Deposit Bonus: New Members/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member.

Checking & Direct Deposit Bonus: Eligible “New Member” must open a FIGFCU Checking (sharedraft)account within 10 days of joining the Credit Union, and posted a qualified ACH Direct Deposit amounting to a minimum of $1,000 (one thousand dollars) per calendar month into the Checking account no later than 40 days after joining the Credit Union. Once the account is open the qualifying ACH Direct Deposit must occur for the next 3 (three) consecutive months before bonus is paid. The amount of the qualifying deposits for the first 4 (four) months after the checking  account is opened will determine the amount of the bonus. The bonus will be paid by the 20th day of the following fourth month. 

$100 bonus for newly qualified Direct Deposits totaling $1,000 to $4,999 for the 4 consecutive months from when the checking account is opened, including the month the account was opened.    $250 bonus for newly qualified Direct Deposits totaling $5,000 or more for the 4 consecutive months from when the checking account is opened, including the month the account was opened. 

2 Offer valid on Direct Deposit Payroll enrollment into a Credit Union share account. This offer may be withdrawn at any time. Only Farmers’ employees qualify for payroll deposit two days early. Subject to employer and/or payer terms and conditions. FIGFCU will generally post Farmers payroll direct deposits on the day they are received, which will be up to two days earlier than the scheduled posting date. Other exceptions may apply.

Direct Deposit/Agent Net Check into a FIGFCU Checking Account (either High Yield or CashBack) and Automatic Payment/Folio Deduction to the loan is required. Loan and checking account with DDEP must be under Primary Membership. (Checking/DDEP can NOT be to a joint checking account under a different membership.)  

3 {@DDEP_RATE} rate discount for a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction.

† {@DDEP_RATE} rate discount is for a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction as a repayment method to qualify. Rates are subject to change at anytime.

*Offer valid on Direct Deposit Payroll enrollment into a Credit Union share account. This offer may be withdrawn at any time. Only Farmers’ employees qualify for payroll deposit up to two days early. Subject to employer and/or payer terms and conditions. FIGFCU will generally post Farmers payroll direct deposits on the day they are received, which will be up to two days earlier than the scheduled posting date. Other exceptions may apply.

Direct Deposit/Agent Net Check into a FIGFCU Checking Account (either High Yield or CashBack) and Automatic Payment/Folio Deduction to the loan is required. Loan and checking account with DDEP must be under Primary Membership. (Checking/DDEP can NOT be to a joint checking account under a different membership.)  

†{@DDEP_RATE} rates discount is for a minimum of $1,000 monthly Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction as a repayment method to qualify. Rates are subject to change at anytime.

Rate bonus is for a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account. Rates are subject to change at anytime.

*New Members/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member.

Eligible “Member” must open a qualified bonus account with a minimum qualifying deposit/loan in new money to the Credit Union within 10 days of joining the Credit Union. Bonus will be paid by the 20th day of the following month after qualifying activities are completed. Bonuses will be paid for the following:

$50 Direct Deposit Bonus: Eligible “New Member” must open a Checking account within 10 days of joining the Credit Union, and posted an ACH Direct Deposit amounting to a minimum of $1,000 per calendar month into the Checking account no later than 45 days after joining the Credit Union. The ACH Direct Deposit must occur for 2 (two) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. The “New Member” must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account.

$50 Savings/Deposit Bonus: Eligible “New Member” must open a qualified savings/deposit account with a minimum deposit of $10,000 (ten thousand dollars) in new money to the Credit Union within 10 days of joining the Credit Union. At least $10,000 must stay in the deposit account for 2 (two) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. The “New Member” must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account.

Promotion is available starting July 1, 2024 until further notice. Offer availability subject to change.

Bonus recipient must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account. Bonus recipient must be at least 18 years of age, able to open an active membership in good standing and not have caused a loss to the Credit Union.

“Bonus” is considered interest and will be reported to the IRS.

*New Members/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member.

Eligible “Member” must open a qualified bonus account with a minimum qualifying deposit/loan in new money to the Credit Union within 10 days of joining the Credit Union. Bonus will be paid by the 20th day of the following month after qualifying activities are completed. Bonuses will be paid for the following:

$50 Direct Deposit Bonus: Eligible “New Member” must open a Checking account within 10 days of joining the Credit Union, and posted an ACH Direct Deposit amounting to a minimum of $1,000 per calendar month into the Checking account no later than 45 days after joining the Credit Union. The ACH Direct Deposit must occur for 2 (two) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. The “New Member” must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account.

$50 Savings/Deposit Bonus: Eligible “New Member” must open a qualified savings/deposit account with a minimum deposit of $10,000 (ten thousand dollars) in new money to the Credit Union within 10 days of joining the Credit Union. At least $10,000 must stay in the deposit account for 2 (two) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. The “New Member” must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account.

Promotion is available starting July 1, 2024 until further notice. Offer availability subject to change.

Bonus recipient must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account. Bonus recipient must be at least 18 years of age, able to open an active membership in good standing and not have caused a loss to the Credit Union. Subject to FIGFCU approval. 

“Bonus” is considered interest and will be reported to the IRS. 

**An initial deposit of $20 is required to open any Checking Account. High Yield Checking is an interest earning checking account eligible for up to 5.00% APY interest on the average daily balance in the checking account up to $5,000 (five thousand dollars) and 0.20% APY on balances over $5000. Dividends are calculated by applying a periodic rate to the Average Daily Balance in the account for the Dividend period. High Yield Checking will earn up to 5.00% APY interest and is eligible for up to $10 (ten dollars) in ATM surcharge rebates per statement cycle subject to the following: 1) $1,000 (one thousand dollars) monthly minimum direct deposit, 2) eStatements, and 3) 10 Debit Card Point of Sale (PIN and Signature based) posted transactions using the Farmers Insurance Federal Credit Union Debit Card. Posted transactions count toward monthly minimums. Interest earned will be credited to the account at the end of the statement period. Additional restrictions apply: I must be a Member in good standing with a valid email address on file with the Credit Union. Qualifying transactions must post and clear the account during the monthly qualification cycle. Should the account not qualify for ATM surcharge rebates and/or the 5.00% APY interest, and for balances in excess of $5,000, the account will earn 0.20% APY (twenty basis points) on the checking account balance. Transactions may take one or more business days from the transaction date to post to the account. At the time of the statement cycle date you will verify the combined products and services used since the previous cycle date to determine the qualification for the 5.00% interest and the eligibility for the ATM surcharge rebate. In the event that my monthly $1,000 ACH direct deposit credit does not come in for a 60 day period, the loan discount and the rate bump-up on the certificate will also be discontinued. Current interest rates and the annual percentage yield may be found at the Credit Union’s website, may be verified at a Credit Union Branch or by calling 800.877.2345. Interest rates earned, ATM surcharge rebate amounts and qualifying dollar amounts for interest earned are subject to change at any time. APYs, ATM surcharge rebate amounts and eligibility criteria are subject to change at any time. Fees may reduce earnings. Accounts with one calendar month of no activity will be assessed an inactivity fee of $5. 

†APY = Annual Percentage Yield. Fees could reduce the earnings on an account. Yields are subject to change at any time. Yield bonus is for a minimum of $1,000 monthly ACH Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account.

††The national average for this type of account is 0.45% APY, based on rates published in the FDIC Monthly National Rates and Rate Caps accurate as of 7/15/2024.

‡APY = Annual Percentage Yield. APY is the annualized rate based on a compounding period of one year. When the deposited money earns dividends and the accumulated dividends starts earning dividends as well, we are talking about compounding. Fees could reduce the earnings on an account. All yields except Certificate yields are subject to change retroactively to the beginning of the month.

Variable Rate Certificate 36-Month Term (Variable Rate Certificate) No additional deposits accepted (other than dividends) during certificate term renewals. Fund your account with a minimum deposit of $1,000. Annual Percentage Yield (APY) rate is based on current Federal Funds Rate Upper Limit of 5.50% APY plus a 0.25% spread. Yield rate is 5.75% APY. Base rate is 5.60% APR. Rates are subject to change on the first day of each calendar month following account opening. No bonus dividends (no jumbo bonus and no DDEP bonus). At maturity, account renews into the same product: Variable Rate Certificate 36-Month Term renews into a Variable Rate Certificate 36-Month Term; Variable Rate IRA 36-Month Term renews into a Variable Rate IRA 36-Month Term. Early withdrawal penalties may be imposed and fees could reduce earnings and/or principal. APY interest rate will follow the Federal Funds Rate Upper Limit. Rates are subject to change on the first day of each calendar month following account opening. Rates are subject to change without notice. Rate may not be combined with any other rate increase/bonus. Regular share certificate requirement on a 365 day basis. IRAs qualify for Variable Rate Certificate. Minimum balance to obtain the available rates for Variable Rate Certificate 36-Month Term advertised annual percentage yield is $1,000. Fund your account with a minimum deposit of $1,000. Early withdrawal penalties may be imposed and fees could reduce earnings and/or principal. Refer to our TISA Disclosure for terms and conditions. Federal regulations require dividends be paid from available earnings; dividends are contingent upon this regulation.

‡‡No branch or call center access with this account.

(NMLS ID 408877) We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.  Other restrictions may apply. Offers of credit subject to credit approval.

*APR = Annual Percentage Rate. Rates are subject to change at anytime.

† Rate discount is for a minimum of $1,000 monthly ACH Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction as a repayment method to qualify. Rates are subject to change at anytime. Other conditions may apply. 

There is a $500 refinance fee for Home Equity Loans booked within the last 12 months, unless $20,000 new cash is added to the loan request.

Available in all states except AL, AK, FL, HI, and LA. Home Equity Line of Credits also not available in TX. 

Subordination Requirements – email requests to HomeEquityLoans@figfcu.org or fax your Subordination Request form to 323-209-6736.

 

Farmers Insurance Federal Credit Union            By submitting the FARMERS INSURANCE FEDERAL CREDIT UNION’S eStatements Enrollment Form, you are authorizing Farmers Insurance Federal Credit Union to deliver your statement of account(s) and disclosures by electronic means. You agree that electronic availability will satisfy Farmers Insurance Federal Credit Union’s requirement to provide you a periodic statement of your account(s).

This Disclosure and Agreement establishes the rules and requirements regarding Farmers Insurance Federal Credit Union’s eStatements service. By utilizing the service, you agree to the terms and conditions of the Disclosure and Agreement. Read this document carefully. You can print a copy for your files or to receive a paper disclosure, please contact us by telephone or mail as shown below.

TERMS USED: “We,” “our,” “us,” “FIGFCU,” and “Credit Union” shall mean Farmers Insurance Federal Credit Union. “eStatements” shall mean Electronic Statements. “You” and “Your” shall refer to the Credit Union member, joint owner, or anyone authorized by the member to use the account.

GOVERNING DOCUMENTS: Your use of the eStatements service is governed by this Disclosure and Agreement and any other agreements you have with us concerning your activities with the Credit Union. These other agreements are not changed by your use of eStatements.

eSTATEMENTS SERVICE: This service provides you with convenient, paperless access to your monthly account statements. Your eStatements will contain all of the same information as paper statements, and you will have the same opportunities to contact us about any questions or disputes.

For inquiries and additional information about an item on your eStatements, please contact us at:

Farmers Insurance Federal Credit Union 2255 N. Ontario Street Suite 320 Burbank, CA 91504 Attention: Electronic Services or telephone eServices at 800.877.2345.

ACCESS TO eSTATEMENTS AND REQUIREMENTS:

Online Banking Access – eStatements are accessed via the Credit Union's Online Banking service. You must have access to Online Banking and a valid password in order to retrieve your eStatements. A valid Email address – You must have an active, valid Email address on file with the Credit Union. If at anytime your Email address changes, you must notify the Credit Union immediately via Online Banking, or by contacting the Electronic Services department at 800.877.2345. It is your responsibility to notify the Credit Union anytime you should have a change in your Email address, or if you wish to remove any account from electronic delivery. You may change your Email address via Online Banking or by written and signed request sent to: Farmers Insurance Federal Credit Union, 2255 N. Ontario Street Suite 320 Burbank, CA 91504; or by calling us at 800.877.2345. In order to access eStatements you will need Internet access and Adobe Acrobat Reader 4.05 or greater to view your statement. If you do not have Acrobat Reader, click here to download it for free. (http://www.adobe.com/go/EN_US-H- GET-READER) Browser recommendations: Netscape Communicator 4.7x or above (128-bit encrypted), Microsoft Internet Explorer 4.01 or above (128-bit encrypted), America Online 32 bit encrypted version 4.0 or above If you use Microsoft Internet Explorer for your browser, you will need the following setting enabled to view your statement: In the browser, go into ‘Tools’ from the menu bar; - Choose ‘Internet Options’ – Choose ‘Advanced’ – Scroll down to ‘Security’ – Place a check mark in the box for ‘Do not save encrypted files to disk’, – Choose ‘Apply’. You may request a paper copy of any Account Statement or other information received electronically under this Agreement by notifying us. All requests must include the applicable account number(s) and specific period(s) for which the statement is requested. Please refer to our fee schedule for applicable fees. eSTATEMENTS ACKNOWLEDGEMENT: In order to sign-up for eStatements, you must agree to this Disclosure and Agreement. By agreeing to this document you elect and authorize the Credit Union to begin electronic delivery of your account statements and marketing material, as well as notices we are required to provide under applicable Federal and State statutes. If you have more than one FIGFCU membership account, you need to submit a request for each account. By accepting eStatements, you understand that it is your responsibility to maintain proper equipment and software to view your eStatements. Each document, which may be presented to you electronically under this Agreement, may be printed, if you have a printer available, or saved and retained for your electronic records. You may not consent to receive your account statements electronically under this Agreement if you do not have the capacity to print or retain the documents. The Credit Union strongly advises that you save your statement in PDF format to your personal computer or print out a copy of your statement (and check images if this applies). The Credit Union keeps a 12-month rolling history of your statements online. eSTATEMENTS ACTIVATION: Once you have agreed to this document, your eStatements will be automatically activated. You will then be sent an Email announcement when your next eStatement is available. If you change your Email address, you agree to update your Email address under the User Options feature within Account Access. Failure to do so may adversely affect eStatement notifications that are sent to you via Email.

VISA CREDIT CARD eSTATEMENTS: If you signup for eStatements and have a Credit Union Credit Card, you may also elect to receive your monthly credit card statements via eStatements. You will receive a separate Email announcement when your Credit Card eStatement is available. Your Credit Card eStatements will contain all of the same information as paper statements, and you will have the same opportunities to contact us about any questions or disputes. You need to make this election separately from your monthly account summary statement.

RETAINING eSTATEMENTS: Your eStatements will be available via Online Banking for a rolling period of thirty six (36) months from the date of posting. You agree to download and print or otherwise save and store your eStatements and any disclosures for future reference.

YOUR RIGHT TO TERMINATE: You may cancel your eStatements at any time online by selecting the “Paper Statements” option on your eStatements summary page, by submitting a request in writing, or by contacting us at 800.877.2345 for further instructions. Your request will take no longer than thirty (30) days to become effective from the date the Credit Union receives the request. If you cancel eStatements, the Credit Union will resume sending your statement via regular mail.

OUR RIGHT TO TERMINATE: You agree that the Credit Union can terminate eStatements and provide you with mailed statements for any reason at any time.

OUR RIGHT TO CHANGE: You agree that the Credit Union can amend, supplement, change or discontinue any of these terms and disclosures at any time by posting the same documents in this location. If you continue to use this service after any such change, you are considered as agreeing to the change. If you do not agree to the change, you must terminate as set forth above.

LIMITED LIABILITY FOR FAILURE TO PROVIDE eSTATEMENT NOTIFICATION: The Credit Union will not assume liability for non-receipt of notification of statement availability including but not limited to the following:

The Email address on file is invalid. If your Email notification returns as non-deliverable, you will be required to update your enrollment information and recertify acceptance of the terms of this disclosure. Your Email or Internet Service Provider filters the notification from your Inbox (e.g. considers it “spam” or “junk mail”). Circumstances beyond our control (such as fire, flood, earthquake, electrical failure, or malfunction of central data processing facility, etc.) prevent the notification, despite reasonable precautions that we have taken. There is a malfunction in your personal computer browser and/or software. You must be an Online Banking user in order to receive notifications and access eStatements. By selecting “I Agree” you are consenting to receive your account statements in electronic form rather than printed format. Your eStatements will contain the same content as the paper version supplied by the Credit Union which includes: account balances, transaction activity, electronic fund transfer information, year-to-date interest, and error notification procedures. The statement delivery option (paper or eStatement) will depend on your Online Banking status that is recorded on our system on the last day of the month and/or the close of the billing cycle, and this will be the only method used to deliver that month’s statement.

Copyright ©2020 Farmers Insurance Group Federal Credit Union                                                                 080719

 

Farmers Insurance Federal Credit Union  MasterCard/Visa eStatements Disclosures and Agreement

By submitting the FARMERS INSURANCE FEDERAL CREDIT UNION MasterCard/Visa MasterCard/Visa eStatement Enrollment Form, you are authorizing Farmers Insurance Federal Credit Union to deliver your credit card statements of account(s) and disclosures by electronic means. You agree that electronic availability will satisfy Farmers Insurance Federal Credit Union's requirement to provide you a periodic statement of your account(s).

This Disclosure and Agreement establishes the rules and requirements regarding Farmers Insurance Federal Credit Union's MasterCard/Visa eStatement service. By utilizing the service, you agree to the terms and conditions of the Disclosure and Agreement. Read this document carefully. You can print a copy for your files or to receive a paper disclosure, please contact us by telephone or mail as shown below.

TERMS USED: "We," "our," "us," and "Credit Union" shall mean Farmers Insurance Federal Credit Union. "MasterCard/Visa eStatements" shall mean Electronic Statements. "You" and "Your" shall refer to the Credit Union member, joint owner, or anyone authorized by the member to use the account.

GOVERNING DOCUMENTS: Your use of the MasterCard/Visa eStatement service is governed by this Disclosure and Agreement and any other agreements you have with us concerning your activities with the Credit Union. These other agreements are not changed by your use of MasterCard/Visa eStatements.

MASTERCARD/VISA E-STATEMENT SERVICE: This service provides you with convenient, paperless access to your periodic account statements. Your MasterCard/Visa eStatements will contain all of the same information as paper statements and you will have the same opportunities to contact us about any questions or disputes.

For inquiries and additional information about an item on your MasterCard/Visa eStatement, please contact us at: Farmers Insurance Federal Credit Union PO Box 36911 Los Angeles, CA 90010-0911 Attention: Card Services or call Card Services at (800) 877-2345

ACCESS TO MASTERCARD/VISA E-STATEMENTS AND REQUIREMENTS:

1. Online Banking Access - MasterCard/Visa eStatements are accessed via Farmers Insurance Federal Credit Union's Online Banking service. You must have access to Online Banking and a valid password in order to retrieve your MasterCard/Visa eStatements. 2. A valid email address - You must have an active, valid email address on file with the Credit Union. If at anytime your email address changes, you must notify the Credit Union immediately via Online Banking, or by contacting the Electronic Services department at (800) 877-2345. 3. It is your responsibility to notify FARMERS INSURANCE FEDERAL CREDIT UNION anytime you should have a change in your e-mail address, or if you wish to remove any account from electronic delivery. You may change your e-mail address on the web site or by a written and signed request sent to: Farmers Insurance Federal Credit Union, 2255 N. Ontario Street Suite 320 Burbank, CA 91504; or by calling us at (800) 877-2345. 4. Browser versions prior to Netscape 4.7 and Internet Explorer 5.5 are not supported by this site. Online Banking requires a 128 bit encryption. 5. You may request a paper copy of any Account Statement or other information received electronically under this Agreement by notifying us. All requests must include the applicable account number(s) and specific period(s) for which the statement is requested. Please refer to our fee schedule for applicable fees.

MASTERCARD/VISA E-STATEMENT ACKNOWLEDGEMENT: In order to signup for the MasterCard/Visa eStatement service you must agree to this Disclosure and Agreement. By agreeing to this document you elect and authorize the Credit Union to begin electronic delivery of your account statements and marketing material, as well as notices we are required to provide under applicable Federal and State statutes. If you have more than one FARMERS INSURANCE  FEDERAL CREDIT UNION MasterCard and/or Visa account, you need to submit a request for each separate account. By accepting MasterCard/Visa eStatements, you understand that it is your responsibility to maintain proper equipment and software to view your MasterCard/Visa eStatements. Each document, which may be presented to you electronically under this Agreement, may be printed, if you have a printer available, or saved and retained for your electronic records. You may not consent to receive your account statements electronically under this Agreement if you do not have the capacity to print or retain the documents. The Credit Union strongly advises that you save your statement in PDF format to your personal computer or print out a copy of your statement (and check images if this applies). The Credit Union only keeps a 36 month rolling history of your statements online. You may not consent to receive your account statements electronically under this Agreement if you do not have the capacity to print or retain the documents. The Credit Union strongly advises that you save your statement in PDF format to your personal computer or print out a copy of your statement (and check images if this applies). The Credit Union only keeps a 36 month rolling history of your statements online.

MASTERCARD/VISA E-STATEMENT ACTIVATION: Once you have agreed to this document, your MasterCard/Visa eStatement service will be automatically activated. You will then be sent an email announcement when your next periodic MasterCard/Visa eStatement is available. If you change your e-mail address, you agree to update your e-mail address in Online Banking. Failure to do so may adversely affect MasterCard/Visa eStatement notifications that are sent to you via e-mail, and may require reenrollment for this service.

MASTERCARD or VISA CREDIT CARD Payments: If you sign up for MasterCard/Visa eStatements the Credit Union will not be providing a payment coupon. Payments can be made via electronic payment by using Online Banking, Fonline, automatic payment transfer, and Electronic Bill Pay. Payments may also be made at your local Service Center or Credit Union Office.

RETAINING eSTATEMENTS: Your eStatements will be available via Online Banking for a period of 36 months from the date of posting. You agree to download and print or otherwise save and store your eStatements and any disclosures for future reference.

RETAINING MASTERCARD/VISA E-STATEMENTS: Your MasterCard/Visa eStatements will be available via Online Banking for a period of twelve (12) months from the date of posting. You agree to download and print or otherwise save and store your MasterCard/Visa eStatements and any disclosures for future reference. Your MasterCard/Visa eStatements will contain all of the same information as paper statements, and you will have the same opportunities to contact us about any questions or disputes.

YOUR RIGHT TO TERMINATE: You may cancel your MasterCard/Visa eStatement service at any time online by selecting the "Paper Statements" option on your MasterCard/Visa eStatements summary page, by submitting a request in writing, or by contacting us at (310) 381-2300 or (877) 254-9328, option 4 and speaking with a Call Center Representative. Your request will take no longer than thirty (30) days to become effective from the date the Credit Union receives the request. If you cancel MasterCard/Visa eStatements, the Credit Union will resume sending your Credit Card statement via regular mail.

OUR RIGHT TO TERMINATE: You agree that the Credit Union can terminate the MasterCard/Visa eStatement service and provide you with mailed statements for any reason at any time.

OUR RIGHT TO CHANGE: You agree that the Credit Union can amend, supplement, change or discontinue any of these terms and disclosures at any time by posting the same documents in this location. If you continue to use this service after any such change, you are considered as agreeing to the change. If you do not agree to the change, you must terminate as set forth above. 

LIMITED LIABILITY FOR FAILURE TO PROVIDE MASTERCARD/VISA E-STATEMENT NOTIFICATION: The Credit Union will not assume liability for non-receipt of notification of statement availability including but not limited to the following:

1. The email address on file is invalid. If your e-mail notification returns as non-deliverable, you will be required to update your enrollment information and recertify acceptance of the terms of this disclosure. 2. Your email or Internet Service Provider filters the notification from your Inbox (e.g. considers it "spam" or "junk mail"). 3. Circumstances beyond our control (such as fire, flood, earthquake, electrical failure, or malfunction of central data processing facility, etc.) prevent the notification, despite reasonable precautions that we have taken. 4. There is a malfunction in your personal computer browser and/or software.

You must be a Online Banking user in order to receive notification and access MasterCard/Visa eStatements. By selecting "I Agree" you are consenting to receive your account statements in an electronic format rather than a printed format. Your MasterCard/Visa eStatements will contain the same content as the paper version supplied by the Credit Union which includes: account balances, transaction activity, electronic funds transfer information, year-to-date finance charges, and error notification procedures. The statement delivery option (paper or MasterCard/Visa eStatement) will depend on your Online Banking status that is recorded on our system on the last day of the monthly billing period, and this will be the only method used to deliver that billing period's statement.  

                      

eStatements Disclosure and Agreement By submitting the FARMERS INSURANCE FEDERAL CREDIT UNION’S eStatements Enrollment Form, you are authorizing Farmers Insurance Federal Credit Union to deliver your statement of account(s) for monthly Credit Card, Line of Credit and Term Loans and your monthly statements and disclosures by electronic means. You agree that electronic availability will satisfy Farmers Insurance Federal Credit Union’s requirement to provide you a periodic statement of your account(s).  This Disclosure and Agreement establishes the rules and requirements regarding Farmers Insurance Federal Credit Union’s eStatements service. By utilizing the service, you agree to the terms and conditions of the Disclosure and Agreement. Read this document carefully. You can print a copy for your files or to receive a paper disclosure, please contact us by telephone or mail as shown below.  TERMS USED: “We,” “our,” “us,” “FIGFCU,” and “Credit Union” shall mean Farmers Insurance Federal Credit Union. “eStatements” shall mean Electronic Statements. “You” and “Your” shall refer to the Credit Union member, joint owner, or anyone authorized by the member to use the account.  GOVERNING DOCUMENTS: Your use of the eStatements service is governed by this Disclosure and Agreement and any other agreements you have with us concerning your activities with the Credit Union. These other agreements are not changed by your use of eStatements.  eSTATEMENTS SERVICE: This service provides you with convenient, paperless access to your monthly account and billing statements. Your eStatements will contain all of the same information as paper statements, and you will have the same opportunities to contact us about any questions or disputes. 

For inquiries and additional information about an item on your eStatements, please contact us at:  Farmers Insurance Federal Credit Union  2255 N. Ontario Street Suite 320 Burbank, CA 91504  Attention: Electronic Services  or telephone eServices at 800.877.2345. 

ACCESS TO eSTATEMENTS AND REQUIREMENTS:  1. Tulee Banking Access – eStatements are accessed via the Credit Union's Tulee Banking service. You must have access to Tulee Banking and a valid password in order to retrieve your eStatements.  2. A valid Email address – You must have an active, valid Email address on file with the Credit Union. If at any time your Email address changes, you must notify the Credit Union immediately via Tulee Banking, or by contacting the Electronic Services department at 800.877.2345.  3. It is your responsibility to notify the Credit Union anytime you should have a change in your Email address, or if you wish to remove any account from electronic delivery. You may change your Email address via Tulee Banking or by written and signed request sent to: Farmers Insurance Federal Credit Union, 2255 N. Ontario Street Suite 320 Burbank, CA 91504; or by calling us at 800.877.2345.  4. In order to access eStatements you will need Internet access and Adobe Acrobat Reader 4.05 or greater to view your statement. If you do not have Acrobat Reader, click here [2] to download it for free.  5. Browser recommendations: Netscape Communicator 4.7x or above (128-bit encrypted), Microsoft Internet Explorer 4.01 or above (128-bit encrypted), America Online 32 bit encrypted version 4.0 or above.  6. If you use Microsoft Internet Explorer for your browser, you will need the following setting enabled to view your statement: In the browser, go into ‘Tools’ from the menu bar; - Choose ‘Internet Options’ – Choose ‘Advanced’ – Scroll down to ‘Security’ – Place a check mark in the box for ‘Do not save encrypted files to disk’, – Choose ‘Apply’.  7. You may request a paper copy of any Account Statement or other information received electronically under this Agreement by notifying us. All requests must include the applicable account number(s) and specific period(s) for which the statement is requested. Please refer to our fee schedule for applicable fees. 

eSTATEMENTS ACKNOWLEDGEMENT: In order to sign-up for eStatements, you must agree to this Disclosure and Agreement. By agreeing to this document you elect and authorize the Credit Union to begin electronic delivery of your account statements and marketing material, as well as notices we are required to provide under applicable Federal and State statutes. If you have more than one FIGFCU membership account, you need to submit a request for each membership account. By accepting eStatements, you understand that it is your responsibility to maintain proper equipment and software to view your eStatements. Each document, which may be presented to you electronically under this Agreement, may be printed, if you have a printer available, or saved and retained for your electronic records. You may not consent to receive your account statements electronically under this Agreement if you do not have the capacity to print or retain the documents. The Credit Union strongly advises that you save your statement in PDF format to your personal computer or print out a copy of your statement (and check images if this applies). The Credit Union keeps a 12-month rolling history of your statements online. 

eSTATEMENTS ACTIVATION: Once you have agreed to this document, your eStatements request will take no longer than thirty (30) days to become effective from the date the Credit Union receives the request. You will then be sent an Email announcement when your next eStatement is available. If you change your Email address, you agree to update your Email address under the User Options feature within Account Access. Failure to do so may adversely affect eStatement notifications that are sent to you via Email. 

VISA CREDIT CARD eSTATEMENTS: If you sign up for eStatements and have a Credit Union Credit Card, you may will also receive your monthly credit card statements via eStatements. You will receive a separate Email announcement when your Credit Card eStatement is available. Your Credit Card eStatements will contain all of the same information as paper statements, and you will have the same opportunities to contact us about any questions or disputes. 

RETAINING eSTATEMENTS: Your eStatements will be available via Tulee Banking for a rolling period of twenty four (24) months from the date of posting. You agree to download and print or otherwise save and store your eStatements and any disclosures for future reference. 

YOUR RIGHT TO TERMINATE: You may cancel your eStatements at any time via Tulee Banking by selecting the “Paper Statements” option on your eStatements summary page, by submitting a request in writing, or by contacting us at 800.877.2345 for further instructions. Your request will take no longer than thirty (30) days to become effective from the date the Credit Union receives the request. If you cancel eStatements, the Credit Union will resume sending your statement via regular mail. 

OUR RIGHT TO TERMINATE: You agree that the Credit Union can terminate eStatements and provide you with mailed statements for any reason at any time. 

OUR RIGHT TO CHANGE: You agree that the Credit Union can amend, supplement, change or discontinue any of these terms and disclosures at any time by posting the same documents in this location. If you continue to use this service after any such change, you are considered as agreeing to the change. If you do not agree to the change, you must terminate as set forth above. 

LIMITED LIABILITY FOR FAILURE TO PROVIDE eSTATEMENT NOTIFICATION: The Credit Union will not assume liability for non-receipt of notification of statement availability including but not limited to the following:  1. The Email address on file is invalid. If your Email notification returns as non-deliverable, you will be required to update your enrollment information and recertify acceptance of the terms of this disclosure.  2. Your Email or Internet Service Provider filters the notification from your Inbox (e.g. considers it “spam” or “junk mail”).  3. Circumstances beyond our control (such as fire, flood, earthquake, electrical failure, or malfunction of central data processing facility, etc.) prevent the notification, despite reasonable precautions that we have taken.  4. There is a malfunction in your personal computer browser and/or software. 

You must be an Tulee Banking user in order to receive notifications and access eStatements. By selecting “I Agree” you are consenting to receive your account statements and Visa statements in electronic form rather than printed format. Your eStatements will contain the same content as the paper version supplied by the Credit Union which includes: account balances, transaction activity, electronic fund transfer information, year-to-date interest, and error notification procedures. The statement delivery option (paper or eStatement) will depend on your Tulee Banking status that is recorded on our system on the last day of the month and/or the close of the billing cycle, and this will be the only method used to deliver that month’s statement(s). 

Copyright ©2023 Farmers Insurance Federal Credit Union 04/04/23

The Farmers Premium Trust Account does not have Overdraft Protection. Debits will be returned unpaid when insufficient funds exist to cover the item. A fee of $30 will apply for each returned item.

To open and maintain this account, you must be a member of the Credit Union and maintain at least a Membership Savings Account.

TERMS AND CONDITIONS APPLICABLE TO FARMERS PREMIUM TRUST ACCOUNTS

1. The Farmers Premium Trust Account may be used only for the purpose of the deposit of insurance premiums on behalf of my insured policy holders and then credited to the appropriate Farmers Insurance Group® premiums account. This is a Demand Deposit Account, set up as a Transaction Account.

2. This account is not meant to deposit Farmers Insurance Group® premiums to any other account I hold with your institution. 

3. I may not deposit any funds other than Farmers Insurance Group® premiums to this account.

 4. There is no minimum balance requirement, no opening deposit requirement, and no account minimum.  This account will not earn dividends.

5. Checks will be accepted if made payable to me the Agent, to my Agency name, to Farmers Insurance Group Insurance or any combination thereof. While deposits made at Credit Union Service Centers and deposits made through foreign ATM may place holds on check deposits, you will make every effort to release these holds in an expeditious manner.

6. As a cash management convenience, I will use this account to deposit premiums that are to be credited to my Farmers Insurance Group® premiums account.

7. We will issue checks that will only be used to make Farmers Insurance Group® as payee and deposit through whatever means Farmers Insurance Group® allows including, but not limited to Farmers Insurance Group® APP.

8. I may request a Debit card for this account; if I make deposits by ATM (including any CO-OP network ATM) the ATM network may place a five-day hold on ALL deposits, including cash. Should I need immediate access to the funds I will notify the Credit Union to attempt to release the ATM holds.

9. If I request to close my membership which has a Farmers Premium Trust Account, the account will not be closed unless the account balance has been at $0.00 for a minimum of 30 days.

10. As a current member I may add this account to my membership. The Agency name may be added as joint owner on individual (non-corporate) accounts. Farmers Insurance Group® will not be added as a joint owner.

11. My account will be subject to all the fees as detailed in the most current FIGFCU Schedule of Fees.

* APR = Annual Percentage Rate. APR is the annual rate of interest that is paid on an investment, without taking into account the compounding interest within that year. Rates are subject to change at anytime.

†DIRECT DEPOSIT / 2% LOAN DISCOUNT PROMOTION: Up to 2.00% APR (Annual Percentage Rate) discount on qualifying loan is for a current or newly established minimum of $1,000 monthly Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction as a repayment method to qualify. Offer subject to change or cancellation at any time. Direct Deposit loan rate discount available if at a time prior to loan funding (a) Member has a current or newly established recurring monthly Direct Deposit of at least $1,000 from net pay, pension, or government benefits, and (b) Member is obtaining a FIGFCU loan. Maximum available loan rate discount of 2.00% if Member is eligible to combine Direct Deposit discount with other available discount a maximum of 2.00% shall be applied. If Direct Deposit stops before loan is paid off, loan interest rate will increase by 2.00%. Other restrictions may apply. All loans are subject to credit approval. Rate and terms are subject to change without notice. 

Promotion Offering applies only to Consumer accounts, which must be in good standing. Guardian, rep payee or executor, collections charge-off, business, and/or organizational accounts are ineligible. Must be 18 years of age or older. FIGFCU reserves the right to end or modify this promotion without notice. Member cannot take advantage of this promotion more than once. Promotion cannot be combined with any other account promotion for a discount over 2.00%. Visit figfcu.org for account details, minimums, and fees. Federally insured by NCUA. Subject to employer and/or payer terms and conditions. FIGFCU will generally post payroll Direct Deposits on the day they are received, other exceptions may apply. Promo Period: September 3, 2024, until December 31, 2024. (Terms updated 11/14/24). Signature Loans, Business Signature Loans and Agency Acquisition Loans not eligible for refinancing. 

Available to new and existing Members who apply for eligible loans during the promotional period. Direct Deposit in the amount of $1,000.00 or more monthly or Agent Net Check into a FIGFCU Checking account (either High Yield or CashBack) and Automatic Payment/Folio Deduction to the loan is required. Signature Loans, Business Signature Loans and Agency Acquisition Loans not eligible for refinancing. Refinance Fees are as follows: Vehicle Loans - $200 refinance fee unless $4,000 in new money is added to the loan. Agency/Business Secured Loans - $400 refinance fee unless $10,000 in new money is added to the loan. Home Equity Loans/HELOC's - $500 refinance fee for loans booked within the last 12 months unless $20,000 new money is added to the loan. Interest rate shown on final loan disclosures will be the higher rate prior to the discount. Loan will be booked with the lower discounted rate. Direct Deposit Addendum will be signed with closing loan disclosures. 

Home Equity: There is a $500 refinance fee for Home Equity Loans booked within the last 12 months, unless $20,000 new cash is added to the loan request.

Subordination Requirements - email or fax your Subordination Request form to 323-209-6736.

Demand for Payoff - email or fax your Demand with Borrower Authorization to 323-209-6736 (Turn around time is 24-48 hours).

Disclosures

*Available in CA, NV and AZ only.  Eligible property types are limited to Single Family Dwelling, Condos and PUD’s. The Fast Track program is only applicable for purchase transactions and is subject to credit approval. $395 Fast Track Closing fee applies to this expedited service along with all other required fees disclosed on the Loan Estimate, additional Rush Fees may apply from third party providers. Community Mortgage Funding, LLC is not responsible for unforeseen delays in closing due to property, title or vesting related issues. Farmers Insurance Federal Credit Union: NMLS# 408877. 

†The national average for this type of account is 0.42% APY, based on rates published in the FDIC Monthly National Rates and Rate Caps accurate as of 01/21/2025.

I understand that only the Primary owner’s FICO® Scores will be shown. I as the account holder/primary owner, authorize and consent that any joint owner of this account or anyone to whom I have given access to my account online may view my FICO® Scores. I further understand that if I choose in the future to discontinue receiving my FICO® Scores, I can notify Farmers Insurance Federal Credit Union of my decision to stop receiving FICO® Scores.

FICO® Fair Isaac Corporation

Farmers Insurance Federal Credit Union: NMLS# 408877. Home Rewards: Rebate payment is made by HomeSmart Evergreen Realty and is credited to your benefit at the close of transaction. HomeSmart Evergreen Realty is not affiliated with Farmers Insurance Federal Credit Union. Commission Rebates are not allowed in the following states: Alabama, Alaska, Iowa, Kansas, Louisiana, Mississippi, Missouri, Oklahoma, Oregon and Tennessee. Information is accurate as of date of printing and is subject to change without notice. *Sell a home and only pay a 1.5% listing fee. Does not include commission owed to Buyer's Agent. **Buy a home and receive a 20% rebate on your agent’s commission.

Farmers Insurance Federal Credit Union (FIGFCU-Sponsor)  Financial Education Center Sweepstakes 2024 

“NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN THIS SWEEPSTAKES"

1. Eligibility: To be eligible to enter, you must: (a) be a legal resident of one of the United States, (b) be (18) years or older at the time of entry. Void in Puerto Rico, U.S. territories, U.S. military installations located in foreign countries, and where prohibited by law. Employees and representatives of Farmers Insurance Federal Credit Union (FIGFCU), subsidiaries, advertising and promotional agencies, any prize provider, and any entity involved in the development, production, implementation, fulfillment or administration of the " Financial Education Center SWEEPTAKES 2024®" and their immediate family members and persons living in the same household, are not eligible to participate or win. Sponsor reserves the right to verify eligibility at any time. Must be a current active member in good standing and not have caused a loss to the Credit Union.

2. How to Enter: By registering and completing a minimum of one module in our Financial Education Center during the Financial Education Center Sweepstakes 2024® time period from 10/09/2024 until 11/15/2024. (Terms updated 10/22/24) and being randomly selected as a winner from all qualified enrollees.

Participants can also enter by mailing in a 3 X 5 card with name, address, phone number and game name and date they are participating in, placed in a sealed envelope addressed to FIGFCU, Attn: Financial Education Center SWEEPTAKES 2024®, 2255 North Ontario Street, Ste. 320, Burbank, CA 91504. (Limit of one entry per envelope, one entry per specific sweepstakes, and one entry per individual), FIGFCU is not responsible for late, lost, stolen, misdirected, mutilated or postage due mail. Illegible/incomplete or machine generated entries will be disqualified.

THREE (3) $50.00 (FIFTY DOLLARS U.S.) Visa Gift Card® PRIZES Only one entry per person - per period: Entrants will be automatically entered with a single enrollment to the FIGFCU Financial Education Center program. There would only be one eligible entry per “Member Account”. Selection of submission is at Sponsor discretion. Entries will not be acknowledged or returned.

3. Conduct: By entering the Sweepstakes, entrants agree to comply with and be bound by these Official Rules. Failure to comply with these Official Rules may result in disqualification from the Drawing. Entrants further agree to comply with and be bound by decisions of Sponsor which shall be final in all respects. Sponsor reserves the right at its sole discretion to disqualify any individual it finds to be violating the terms of service, conditions of use and/or general rules or guidelines of any Sponsor property or service.

4. Prizes: 3 winners will be chosen from qualified participants in a FIGFCU Financial Education Center: Complete one of the modules through the following link, and indicate on the web-form one thing they learned (https://figfcu.org/financial-education-center). Prize winners will be awarded $50.00 (fifty dollars) Visa Gift Card® by November 29, 2024 with prize money deposited into the winners Primary Membership Savings Account. There will be 3 winners Visa Gift Card® of $50 each. Winners will be selected from all entries received.

During the contest period October 9th to November 15th, the contest organizer, and any entity involved in the development, production, implementation, fulfillment or administration of the “Financial Education Center Sweepstakes 2024®” and their immediate family members and persons living in the same household, are not eligible to participate or win. Sponsor reserves the right to verify eligibility at any time.

5. No substitutions or substitute redemptions will be made. Expenses not specifically stated above, together with the reporting and payment of all applicable taxes, fees, and/or surcharges, if any, arising out of, or resulting from, acceptance or use of a prize, are the sole responsibility of the winner. Restrictions, conditions, and limitations apply. Sponsor will not replace any lost or stolen prize items. Sponsor will pay for delivery within the UNITED STATES.

6. Winner Selection and Notification: Odds of winning will be determined by the total number of eligible entries received/submitted. Prize winners may be required to sign and return an Affidavit of Eligibility.

7. Winners List: The names of the prize winners may be obtained after November 29, 2024 by sending a self-addressed stamped envelope to: FIGFCU Financial Education Center SWEEPTAKES 2024®, 2255 North Ontario Street, Ste. 320, Burbank, CA 91504. Sponsor: FIGFCU. Phone number: 800.877.2345 is the operator of this contest and is solely responsible for the fulfillment of all prizes.

*New Members/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member.

Eligible “Member” must open a qualified bonus account with a minimum qualifying deposit/loan in new money to the Credit Union within 10 days of joining the Credit Union. Bonus will be paid by the 20th day of the following month after qualifying activities are completed. Bonuses will be paid for the following:

$50 Direct Deposit Bonus: Eligible “New Member” must open a Checking account within 10 days of joining the Credit Union, and posted an ACH Direct Deposit amounting to a minimum of $1,000 per calendar month into the Checking account no later than 45 days after joining the Credit Union. The ACH Direct Deposit must occur for 2 (two) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. The “New Member” must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account.

$50 Savings/Deposit Bonus: Eligible “New Member” must open a qualified savings/deposit account with a minimum deposit of $10,000 (ten thousand dollars) in new money to the Credit Union within 10 days of joining the Credit Union. At least $10,000 must stay in the deposit account for 2 (two) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. The “New Member” must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account.

Promotion is available starting December 1, 2024 until further notice. Offer availability subject to change.

Bonus recipient must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account. Bonus recipient must be at least 18 years of age, able to open an active membership in good standing and not have caused a loss to the Credit Union.

“Bonus” is considered interest and will be reported to the IRS.

Financial Wellness Check results: The calculations given by the savings and lending calculators are only an illustrative guide, based on recent data and information as given to the Credit Union representative and accuracy is not guaranteed. These tools and their results are provided as a service to you, please use them subject to your own due diligence and verification of actual rates available and current balances. The material and tools displayed during the use of the Financial Wellness Check, and the results of the calculator models, are provided without any guarantees, conditions or warranties as to their accuracy or guarantee of actual Annual Percentage Rates (APRs) and/or Annual Percentage Yields (APYs). The APRs / APYs are effective on the date provided. The various deposit Share and Loan accounts rates are subject to change. The Credit Union may at its discretion change each interest rate offered on variable rate accounts at any time without notice. Certificate of Deposit (CD) accounts generally earn interest at a fixed rate; a penalty may be imposed for early withdrawal from a CD. Fees could reduce earnings on an account. FIGFCU and its affiliates are not tax or legal advisor. This calculator is not intended to offer any tax, legal, financial or investment advice and does not assure the availability of/or your eligibility for any specific product offered by the Credit Union. Please consult with qualified professionals to discuss your particular situation.

†APR=Annual Percentage Rate. Rates are subject to change without notice.

*Rate discount is for a minimum of $1,000 monthly Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction as a repayment method to qualify. Rates are subject to change at anytime.

Consult your tax advisor or refer to IRS Publication 502. Contribution limitations and other restrictions apply to HSAs. To have a Federally Qualified HSA, you must purchase and maintain a HDHP with minimum deductibles of $1,300 (individual) and $2,600 (family), and maximum out of pocket expenses less than $6,850 (individual) and $13,700 (family). Generally you cannot be covered by another low-deductible health insurance policy. The tax treatment of HSA contributions and distributions under your state's income tax laws may differ from the referenced federal tax treatment, and from state to state. Consult with your financial or tax advisor for more information. This Credit Union is federally-insured by the National Credit Union Administration.

1Refer to section 213 (d) of the IRS Tax Code. Visit the U.S. Department of Treasury website for up-to-date contribution limits and more detailed information on plans and taxes. *APY = Annual Percentage Yield. Yields are subject to change at any time. Fees could reduce the earnings on an account. Fee reimbursement promotion offered is subject to change and termination.

Promotions offered are subject to change or terminate at anytime.

 

An initial deposit of $20 is required to open any Checking Account. High Yield Checking is an interest earning checking account eligible for up to {@HIGH_YIELD_CHECKING_UP_TO_5K_RATE} APY interest on the average daily balance in the checking account up to $5,000 (five thousand dollars) and {@HIGH_YIELD_CHECKING_OVER_5K_RATE} APY on balances over $5,000. Dividends are calculated by applying a periodic rate to the Average Daily Balance in the account for the Dividend period. High Yield Checking will earn up to {@HIGH_YIELD_CHECKING_UP_TO_5K_RATE} APY interest and is eligible for up to $10 (ten dollars) in ATM surcharge rebates per statement cycle subject to the following: 1) $1,000 (one thousand dollars) monthly minimum direct deposit, 2) eStatements, and 3) 10 Debit Card Point of Sale (PIN and Signature based) posted transactions using the Farmers Insurance Federal Credit Union Debit Card. Posted transactions count toward monthly minimums. Interest earned will be credited to the account at the end of the statement period. Additional restrictions apply: I must be a Member in good standing with a valid email address on file with the Credit Union. Qualifying transactions must post and clear the account during the monthly qualification cycle. Should the account not qualify for ATM surcharge rebates and/or the {@HIGH_YIELD_CHECKING_UP_TO_5K_RATE} APY interest, and for balances in excess of $5000, the account will earn {@HIGH_YIELD_CHECKING_OVER_5K_RATE} APY (twenty basis points) on the checking account balance. Transactions may take one or more business days from the transaction date to post to the account. At the time of the statement cycle date you will verify the combined products and services used since the previous cycle date to determine the qualification for the {@HIGH_YIELD_CHECKING_UP_TO_5K_RATE} interest and the eligibility for the ATM surcharge rebate. In the event that my monthly $1,000 ACH direct deposit credit does not come in for a 60 day period, the loan discount and the rate bump-up on the certificate will also be discontinued. Current interest rates and the annual percentage yield may be found at the Credit Union’s website, may be verified at a Credit Union Branch or by calling 800.877.2345. Interest rates earned, ATM surcharge rebate amounts and qualifying dollar amounts for interest earned are subject to change at any time. APYs, ATM surcharge rebate amounts and eligibility criteria are subject to change at any time. Fees may reduce earnings. Accounts with one calendar month of no activity will be assessed an inactivity fee of $5.

Holiday Loan 2021 –Fixed Rate “Signature Loan”  for qualified applicants. Minimum loan amount of $500 (five hundred dollars), maximum loan amount of $2,500 (two thousand five hundred dollars), other loan programs may be available subject to credit approval.  APR* = Annual Percentage Rate. Repayment of the Holiday Loan may be deferred with a maximum 12-month repayment term, first payment may be deferred until February 2022 (interest will accrue during the deferral period). Minimum FICO® score of 620 required, other terms and conditions apply. Applications must be received by December 17, 2021. Rates are subject to qualifying factors and are quoted effective as of 11/15/2021 and are subject to change without notice. FIGFCU is federally insured by NCUA.

There is a $500 refinance fee for Home Equity Loans booked within the last 12 months, unless $20,000 new cash is added to the loan request.

Subordination Requirements  Email or fax your Subordination Requirements Request form to 323.209.6736.

Demand for Payoff When you’re ready to pay off your loan, email or fax your Demand with Borrower Authorization to 323.209.6736. You should receive a response within 48 hours. 

FIGFCU Home Rewards: Rebate payment is made by HomeSmart Evergreen Realty and is credited to your benefit at the close of transaction. HomeSmart Evergreen Realty is not affiliated with Farmers Insurance Federal Credit Union. Commission Rebates are not allowed in the following states: Alabama, Alaska, Iowa, Kansas, Louisiana, Mississippi, Missouri, Oklahoma, Oregon and Tennessee. Information is accurate as of date of printing and is subject to change without notice.

1) Sell a home and only pay a 1.5% listing fee. Does not include commission owed to Buyer's Agent  2) Buy a home and receive a 20% rebate on your agent’s commission. 

*New Member Checking & Direct Deposit Bonus: New Members/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member.

Checking & Direct Deposit Bonus: Eligible “New Member” must open a FIGFCU Checking (Share draft) account within 10 days of joining the Credit Union, and posted a qualified ACH Direct Deposit amounting to a minimum of $1,000 (one thousand dollars) per calendar month into the Checking account no later than 40 days after joining the Credit Union. Once the account is open the qualifying ACH Direct Deposit must occur for the next 3 (three) consecutive months before bonus is paid. The amount of the qualifying deposits for the first 4 (four) months after the checking  account is opened will determine the amount of the bonus. The bonus will be paid by the 20th day of the following fourth month. 

$100 bonus for newly qualified Direct Deposits totaling $1,000 to $4,999 for the 4 (four) consecutive months from when the checking account is opened, including the month the account was opened.    $250 bonus for newly qualified Direct Deposits totaling $5,000 or more for the 4 (four) consecutive months from when the checking account is opened, including the month the account was opened. 

**An initial deposit of $20 is required to open any Checking Account. High Yield Checking is an interest earning checking account eligible for up to 5.00% APY interest on the average daily balance in the checking account up to $5,000 (five thousand dollars) and 0.20% APY on balances over $5,000. Dividends are calculated by applying a periodic rate to the Average Daily Balance in the account for the Dividend period. High Yield Checking will earn up to 5.00% APY interest and is eligible for up to $10 (ten dollars) in ATM surcharge rebates per statement cycle subject to the following: 1) $1,000 (one thousand dollars) monthly minimum direct deposit, 2) eStatements, and 3) 10 Debit Card Point of Sale (PIN and Signature based) posted transactions using the Farmers Insurance Federal Credit Union Debit Card. Posted transactions count toward monthly minimums. Interest earned will be credited to the account at the end of the statement period. Additional restrictions apply: I must be a Member in good standing with a valid email address on file with the Credit Union. Qualifying transactions must post and clear the account during the monthly qualification cycle. Should the account not qualify for ATM surcharge rebates and/or the 5.00% APY interest, and for balances in excess of $5000, the account will earn 0.20% APY (twenty basis points) on the checking account balance. Transactions may take one or more business days from the transaction date to post to the account. At the time of the statement cycle date you will verify the combined products and services used since the previous cycle date to determine the qualification for the 5.00% interest and the eligibility for the ATM surcharge rebate. In the event that my monthly $1,000 ACH direct deposit credit does not come in for a 60 day period, the loan discount and the rate bump-up on the certificate will also be discontinued. Current interest rates and the annual percentage yield may be found at the Credit Union’s website, may be verified at a Credit Union Branch or by calling 800.877.2345. Interest rates earned, ATM surcharge rebate amounts and qualifying dollar amounts for interest earned are subject to change at any time. APYs, ATM surcharge rebate amounts and eligibility criteria are subject to change at any time. Fees may reduce earnings. Accounts with one calendar month of no activity will be assessed an inactivity fee of $5.

Savings rate bonus is for a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account. Rates are subject to change at any time. 

†1.00% loan rate discount is for a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction as a repayment method to qualify. Rates are subject to change at any time.

 

Farmers Insurance Federal Credit Union (FIGFCU-Sponsor)

International Credit Union Day (ICU Day)® Sweepstakes 2022

“NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN THIS SWEEPSTAKES"

1.During the contest period October 17th to October 21st, the contest organizer, and any entity involved in the development, production, implementation, fulfillment or administration of the “International Credit Union Day Sweepstakes 2022®” and their immediate family members and persons living in the same household, are not eligible to participate or win. Sponsor reserves the right to verify eligibility at any time.

2. How to Enter: By participating in our Financial Education Centers' program during the International Credit Union Day Sweepstakes 2022® during the time period of from 10/17/2022 through 10/21/2021 and being randomly selected as a winner from all qualified enrollees.

Participants can also enter by mailing in a 3 X 5 card with name, address, phone number and game name and date they are participating in, placed in a sealed envelope addressed to FIGFCU, Attn: International Credit Union Day SWEEPTAKES 2022®, 2255 North Ontario Street, Ste. 320, Burbank, CA 91504. (Limit of one entry per envelope, one entry per specific sweepstakes, and one entry per individual), FIGFCU is not responsible for late, lost, stolen, misdirected, mutilated or postage due mail. Illegible/incomplete or machine generated entries will be disqualified.

TEN (10) $50.00 (FIFTY DOLLARS U.S.) PRIZES

Only one entry per person - per period: Entrants will be automatically entered with a single enrollment to the FIGFCU Financial Education Center program. There would only be one eligible entry per “Member Account”. Selection of submission is at Sponsor discretion. Entries will not be acknowledged.

3.Conduct: By entering the Sweepstakes, entrants agree to comply with and be bound by these Official Rules. Failure to comply with these Official Rules may result in disqualification from the Drawing. Entrants further agree to comply with and be bound by decisions of Sponsor which shall be final in all respects. Sponsor reserves the right at its sole discretion to disqualify any individual it finds to be violating the terms of service, conditions of use and/or general rules or guidelines of any Sponsor property or service.

4.Prizes: TEN winners will be chosen from qualified participants in a FIGFCU Financial Education Center: Complete one of the classes through the following link, and indicate on the web-form one thing they learned (https://figfcu.org/financial-education-center). Prizes will be awarded $50.00 (fifty dollars) by November 1,2022 with prize money deposited into the winners Primary Membership Account. There will be 10 winners of $50 each. Winners will be selected from all entries received.

5.No substitutions or substitute redemptions will be made. Expenses not specifically stated above, together with the reporting and payment of all applicable taxes, fees, and/or surcharges, if any, arising out of, or resulting from, acceptance or use of a prize, are the sole responsibility of the winner. Restrictions, conditions, and limitations apply. Sponsor will not replace any lost or stolen prize items. Sponsor will pay for delivery within the UNITED STATES.

6.Winner Selection and Notification: Odds of winning will be determined by the total number of eligible entries received/submitted. Prize winners may be required to sign and return an Affidavit of Eligibility.

7.Winners List: The names of the prize winners may be obtained after November 01,2022 by sending a self-addressed stamped envelope to: FIGFCU International Credit Union Day SWEEPTAKES 2022®, 2255 North Ontario Street, Ste. 320, Burbank, CA 91504.

Sponsor: FIGFCU. Phone number: 800.877.2345 is the operator of this contest and is solely responsible for the fulfillment of all prizes.

Credit Card accounts that have been recently inactive, defined as no credit activity use in 60 days or more, between the dates of September 4, 2024, to November 4, 2024, cardholders will earn $50 (fifty dollars) for accounts with 10 (ten) credit card transactions or more for a 3 (three) consecutive calendar months period originating no earlier than November 1, 2024, and no later than January 31, 2025. Bonuses will be paid out by March 31, 2025. There is a limit of one reward bonus per member number. Qualifying transactions must “post” to the designated account during the promotional period. Transactions may take 2 (two) business days from the date of purchase to post. Member must be in good standing to be eligible for the bonus. New accounts are subject to FIGFCU approval, and all other terms and conditions apply. This offer is valid only for individual account/card holders, is non-transferable, and cannot be combined with any other offer. Awards may be subject to IRS reporting requirements. Recipients are responsible for income tax liability if applicable. Visa® is a registered trademark.

* APY = Annual Percentage Yield. Fees could reduce the earnings on an account. Yields are subject to change at anytime.

**New Members/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member.

Eligible “Member” must open a qualified bonus account with a minimum qualifying deposit/loan in new money to the Credit Union within 10 days of joining the Credit Union. Bonus will be paid by the 20th day of the following month after qualifying activities are completed. Bonuses will be paid for the following:

$50 Direct Deposit Bonus: Eligible “New Member” must open a Checking account within 10 days of joining the Credit Union, and post an ACH Direct Deposit amounting to a minimum of $1,000 per calendar month into the Checking account no later than 45 days after joining the Credit Union. The ACH Direct Deposit must occur for 2 (two) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. The “New Member” must have an active primary membership savings account at the time of the bonus payout; bonus will be posted to this account.

$50 Savings/Deposit Bonus: Eligible “New Member” must open a qualified savings/deposit account with a minimum deposit of $10,000 (ten thousand dollars) in new money to the Credit Union within 10 days of joining the Credit Union. At least $10,000 must stay in the deposit account for 2 (two) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. The “New Member” must have an active primary membership savings account at the time of the bonus payout; bonus will be posted to this account.

Promotion is available starting February 1, 2025 until further notice. Offer availability subject to change.

Bonus recipient must have an active primary membership savings account at the time of the bonus payout; bonus will be posted to the primary membership savings account. Bonus recipient must be at least 18 years of age, able to open an active membership in good standing and not have caused a loss to the Credit Union.

“Bonus” is considered interest and will be reported to the IRS.

† Visit figfcu.org/cashback-checking and figfcu.org/high-yield-checking for complete disclosures. Rewards, APYs, qualifying dollar amounts for dividends earned, ATM surcharge rebate amounts and eligibility criteria are subject to change at any time. Fees may reduce earnings.

‡ Direct Deposit bonus is for a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account. Rates are subject to change at anytime. No branch or call center access with this account.

‡‡ APR = Annual Percentage Rate. APR is the annual rate of interest that is paid on an investment, without taking into account the compounding interest within that year. Rates are subject to change at anytime.

*APR = Annual Percentage Rate. APR is the annual rate of interest that is paid on an investment, without taking into account the compounding interest within that year. Rates are subject to change at any time.

**1.00% APR discount for $1,000 monthly Direct Deposit into their Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction.

*Consult your tax advisor regarding tax consequences and your specific situation.

**Limited Time Offer 12-Month Certificate / Rates are subject to change without notice. This is a promotional rate of 2.50% APY. Bonus Rate may not be combined with any other rate increase. Annual Percentage Yield (APY) is calculated on a 2.47% base rate, $25,000 minimum balance, regular share certificate requirement on a 365 day basis. IRA share certificates qualify for this promotion. Deposit must be new funds to the Credit Union and may not be transferred or withdrawn and deposited back into the Credit Union from any existing Credit Union account. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of certificate funds. Fees and other conditions may reduce earnings. The 12-Month promotional certificate will automatically roll over to a regular 12-month term certificate at maturity. Federal regulations require dividends be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions.

Limited Time Offer 4-Month Certificate / Rates are subject to change without notice. This is a promotional rate of {@LIMITED_4_MO_CERTIFICATE} APY. Bonus Rate may not be combined with any other rate increase/bonus. Annual Percentage Yield (APY) is calculated on a 3.93% base rate, no minimum balance, regular share certificate requirement on a 365 day basis. IRA share certificates do not qualify for this promotion. Deposit must be new funds to the Credit Union and may not be transferred or withdrawn and deposited back into the Credit Union from any existing Credit Union account. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of certificate funds. Fees and other conditions may reduce earnings. The 4-Month promotional certificate will automatically roll over to a regular 3-Month term certificate at maturity. Federal regulations require dividends be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions. *APY = Annual Percentage Yield. This Promotional Rate is effective March 26, 2025 until further notice. Yields/rates are subject to change at any time. Fees could reduce the earnings on an account.

Rates shown are our preferred rates based on credit worthiness and a {@DDEP_RATE} discount, if applicable. Rates and terms are subject to credit approval. Other rates and terms are available. Other restrictions may apply.

*APR = Annual Percentage Rate. Rates are subject to change at anytime.

+APR = Annual Percentage Rate. Rates are subject to change at anytime.

APY = Annual Percentage Yield. Yields are subject to change at anytime.

Credit Cards: APR on purchases, balance transfers and cash advances.

Vehicle Loans: Rates shown are our preferred rates based on credit worthiness and a {@DDEP_RATE} Direct Deposit/Agent Net Check/Folio Direct Deposit going into their FIGFCU Checking Account (either High Yield or CashBack) in the amount of $1,000.00 or more monthly and Automatic Payment/Folio Deduction discount, if applicable, and a 0.25% discount when you purchase through the Car Shopping Service. Financing available up to 130% of the Purchase Price, including tax, license, warranties and negative equity on a trade for qualified borrowers. Please speak with a Loan Representative for complete details and qualifying criteria. Rates and terms are subject to credit approval, are subject to change at any time and without notice. All values are determined by the Credit Union using either the purchase order or Kelly Blue Book. Other rates and terms are available.

YOUR REWARDS Loyalty Program Disclosures (effective 01/04/2020)

Your Rewards Loyalty Program recognizes your relationship with Farmers Insurance Group Federal Credit Union (FIGFCU) in three top tiers as described in the Program description 1) Blue, 2) Red and 3) Gold. You will receive an invitation to join from FIGFCU, the accompanying notification/email will be used for identification purposes along with a “rewards ID” to be used for your participation in the Your Rewards Loyalty Program.  New accounts or services under joint ownership that I obtain which may qualify to become part of my Your Rewards Loyalty Program eligibility may not automatically be linked to my Your Rewards Loyalty Program. I agree to notify FIGFCU of any additional accounts or services that I may want to add to my participation in the Your Rewards Loyalty Program, now or in the future.

I acknowledge the receipt of the FIGFCU Your Rewards Loyalty Program tiers and participation levels, and understand that these terms may be amended from time to time. I also agree that the use of any product/benefit constitutes acceptance and agreement to be bound by the rules and regulations governing such product, service or reward.

Eligibility in the FIGFCU Your Rewards Loyalty Program does not require an application, tracking of qualifying services and activities it is automatic. All recognized members must qualify at time of service or product origination and maintain the defined preferred relationship for the term of enrollment by ongoing qualified participation/use of products or services. Change in eligibility status during the enrollment in the Your Rewards Loyalty Program may result in loss of future benefit(s) received. Benefits are not retroactive to previous balances for existing loans and deposits, or prior services. Future available/qualifying benefits are subject to change without notice effective January 4, 2021. Quarterly review of Your Rewards Loyalty Program reward levels will take place at month end of March, June, September and December of each year. Annual access will be granted based on Your Rewards eligibility. Upon notification of your qualification to the Your Rewards Loyalty program, you must provide any requested information, agree to the rules and terms of the group, these include: the use of profanity, spam or harassment of fellow participants or the Credit Union is prohibited and may be cause from removal from the Program. The Your Rewards Loyalty Program participants will be offered enrollment in a Private Facebook Group. Upon receipt of your agreement, FIGFCU will generally provide access to the qualifying benefits by the following business day. 

If your account relationship and/or activity no longer qualifies for the Your Rewards Loyalty Program discounts and incentives, your account will be subject to all the fees as detailed in the most current FIGFCU Schedule of Fees, Current Rate Sheet at FIGFCU.org and to our most recent version of FIGFCU Truth in Savings Agreement. FIGFCU reserves the right to remove a participant from the Program at any time. Any participation and activity used in the Your Rewards Loyalty Program including FIGFCU affiliated social media, and actual rewards may not be shared publicly, as this is a private group. The Group activity will be monitored Monday through Friday, during business hours by FIGFCU.   Participants may not post their FIGFCU member number or any related account number. Information shared in the group cannot be shared publicly.

For questions or concerns regarding the Farmers Your Rewards Loyalty Program, (if you cannot access via the special Your Rewards Loyalty Program number), you may call the Credit Union at 1.880.877.2345, or at our website at https://figfcu.org/  or via mail at FIGFCU, P.O. Box 2723, Torrance CA, 90509-2723

Savings account required for Credit Union membership. After six months, you must maintain a minimum $250 balance or open any other type of account to avoid a $5 monthly service fee. 

Mobile Wallet Terms and Conditions

These Terms and Conditions (the “Terms”) apply when you choose to add an Farmers Insurance Group Federal Credit Union (FIGFCU/Credit Union) credit card or debit card to a Mobile Wallet Service. In these Terms, “I,” “you,” “your,” “their,” and “my” refer to the cardholder of an Credit Union Card, and “we,” “us,” “our,” and “Credit Union” refer to the issuer of your FIGFCU Card. By using the Mobile Wallet Service, you understand and agree to the FIGFCU Mobile Wallet Service Terms and Conditions. You agree to all terms, condition, and notices contained or referenced in these Terms and you are providing your express consent.

What is a Mobile Wallet Service? A Mobile Wallet Service (“Wallet”) allows you to add your FIGFCU Cards to an application using your Mobile Device. Your Credit Union Card number is replaced with a digital number or token. Once added, you understand that you may use your Mobile Device to make payments only where the Wallet is accepted. FIGFCU is not a provider of the Wallet and we are not responsible for any failure or inability to perform a transaction using the Wallet. We are only responsible for supplying information securely to the Wallet provider to allow usage of the FIGFCU Card in the Wallet.

Eligibility: Active FIGFCU Card accounts that are in good standing are eligible to be added to a Wallet. If your Credit Union Card or any one of your Credit Union accounts becomes delinquent, is in a negative status or is otherwise maintained in an unsafe manner as determined by FIGFCU in its sole discretion, your Credit Union Card may be removed by the Credit Union from the Wallet for continued use.

Relationship to Other Agreements: You agree that when you add your FIGFCU Card to a Wallet service, your Credit Union Card and account will remain subject to the terms and conditions of all existing agreements with FIGFCU. You acknowledge that certain message and data rates may apply from your wireless service providers and/or wireless carriers which might impact your use of the Wallet. For example; your mobile service carrier or provider may impose data usage or text charges for your use of or interaction with the Wallet, including downloading the software, receiving or sending text messages, or other use of your mobile device when using the software or other products and services provided by the Wallet. You expressly agree that you are responsible for all such fees, limitations, and restrictions and that we may contact you via your mobile device for any purpose concerning your accounts at FIGFCU, including account servicing and collection purposes.

Account Ownership/Accurate Information: You represent that you are the legal owner of the account and other financial information which may be accessed via the Wallet. You represent and agree that all information you provide in connection with the Wallet is accurate, current, and complete, and that you have the right to provide such information to us for the purpose of operating the Wallet. You agree not to misrepresent your identity or your account information.

Measures to maintain your privacy and security: Once you have added your Credit Union Card to a Wallet service, FIGFCU is responsible for securely transmitting your information to your Wallet service provider. Your information is only sent through secure channels. You agree that we may share your information with the Wallet provider, a payment network, and others in order to provide the services you have requested, to make information available to you about your Credit Union Card transactions, and to improve our ability to offer these services. We do not control the privacy and security of your information that may be held by the Wallet provider and that is governed by the privacy policy given to you by the Wallet provider. You agree not to leave your Mobile Device unattended while logged into the Wallet and to log off immediately at the completion of each access by you. You agree not to provide your password or other access information to any other person. If you believe that someone may have unauthorized access to your Mobile Device, you agree to immediately cancel your access to the Wallet associated with the Mobile Device. You agree to provide us with immediate notice in the event you suspect fraud or any unauthorized access to any of your accounts. You agree to comply with all applicable laws, rules and regulations in connection with your FIGFCU Card. You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using the Wallet. We may in some cases make individually identifying information available only in the following circumstances: where ordered by a court or other legal body or where it is lawfully permitted or required; where we have agreed to provide information under contracts to vendors and partners to make products and services available to our members; or where the member has requested or consents to the disclosure of information. In those cases where we disclose information to outside vendors, we require that they use it for no purposes other than providing previously specified services to our members.

Indemnity: You agree to indemnify, defend, and hold FIGFCU harmless from and against any and all claims, actions, damages, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising out of your use of the Mobile Wallet Service, any negligent or intentional action or inaction, and/or any breach of the Terms and Conditions of this Agreement. You agree that this paragraph shall survive the termination of this Agreement for any reason.

Changes in these Terms and Conditions: Except as otherwise required by law, the Credit Union may in its sole discretion change these terms, and modify or cancel the eligibility to use your FIGFCU Card with a Wallet service at any time, without notice. You cannot change these terms but you can terminate them by removing your FIGFCU Card(s) from the Wallet. The Credit Union reserves the right to refuse any transaction for any reason.

Exclusion of Warranties; Limitation of Liability: YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF A MOBILE WALLET SERVICE IS AT YOUR SOLE RISK. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WALLET IS OBTAINED AT YOUR OWN DISCRETION AND RISK, AND FIGFCCU IS NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL, WHETHER DUE TO ANY COMPUTER VIRUS OR OTHERWISE. THE CREDIT UNION MAKES NO REPRESENTATION OR WARRANTY AS TO THE COMPLETENESS, ACCURACY, RELIABILITY, OR CURRENCY OF ANY INFORMATION OR DATA THAT YOU OBTAIN THROUGH THE USE OF A WALLET. I ACKNOWLEDGE THAT I HAVE READ THESE TERMS OF USE CAREFULLY BEFORE ACTIVATING OR USING MY FARMERS INSURANCE GROUP FEDERAL CREDIT UNION CARD, BECAUSE BY DOING SO, I ACCEPT AND AGREE TO BE BOUND AND ABIDE BY THESE TERMS OF USE. IF I DO NOT AGREE TO THESE TERMS OF USE, I MUST NOT ACTIVATE OR USE AN FIGFCU CARD THROUGH A MOBILE WALLET.

APY = Annual Percentage Yield. Fees could reduce the earnings on an account. Direct Deposit (DDEP) Bonus For Money Market accounts: Money Market account holders can get an additional 0.25% if they have DDEP going into their FIGFCU Checking Account (either High Yield or CashBack) in the amount of $1,000.00 or more monthly (Members paid bi-monthly can have DDEP deposits of $500 each to reach the $1,000 monthly minimum). Rate bonus will be applied upfront after account opening and subject to the APY calculations for Money Market accounts. If a qualifying DDEP cannot be verified for Money Market accounts while the account is active, the first succeeding DDEP must be received within a maximum of 60 days from the date that the promotional account is opened. If a member has direct deposit under a different account number than the account that is being used to open the new Money Market account, he/she can still qualify for the 0.25% bonus. If DDEP has not been received within the 60 day timeline the rate will be reduced by 0.25% and future earnings will be at the reduced rate. DDEP must be maintained for this bonus, and the bonus can be forfeited if DDEP is cancelled or falls below qualifying threshold.

Farmers Insurance Federal Credit Union: NMLS# 408877. 

1FIGFCU Home Rewards: Rebate payment is made by HomeSmart Evergreen Realty and is credited to your benefit at the close of transaction. HomeSmart Evergreen Realty is not affiliated with Farmers Insurance Federal Credit Union. Commission Rebates are not allowed in the following states: Alabama, Alaska, Iowa, Kansas, Louisiana, Mississippi, Missouri, Oklahoma, Oregon and Tennessee. Information is accurate as of date of printing and is subject to change without notice.

Sell a home and only pay a 1.5% listing fee. Does not include commission owed to Buyer's Agent  Buy a home and receive a 20% rebate on your agent’s commission. 

2 With a Reverse Mortgage, no monthly mortgage payment is required. Borrowers are responsible for paying property taxes and homeowner’s insurance (which may be substantial). We do not establish an escrow account for disbursements of these payments. Borrowers must also occupy home as primary residence and pay for ongoing maintenance; otherwise the loan becomes due and payable. The loan must be paid off when the last borrower, or eligible non-borrowing surviving spouse, dies, sells the home, permanently moves out, or does not comply with the loan terms. A Reverse Mortgage increases the principal mortgage loan amount and decreases home equity (it is a negative amortization loan). These materials are not from HUD or FHA and were not approved by HUD or a government agency.

‡The national average for this type of account is {@NATIONAL_AVERAGE} APY, based on rates published in the FDIC Monthly National Rates and Rate Caps accurate as of 01/21/2025.

The national average for this type of account is {@NATIONAL_AVERAGE} APY, based on rates published in the FDIC Monthly National Rates and Rate Caps accurate as of 01/21/2025.

Please note that the information above is intended to help educate you on the basics of NCUA insurance. However, this is not legal, tax, investment or financial advice. Please consult your personal financial advisor or visit www.ncua.gov for more details.

**New Member Bonus Program: New Members/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member.

Eligible “Member” must open a qualified bonus account with a minimum qualifying deposit/loan in new money to the Credit Union within 10 days of joining the Credit Union. Bonus will be paid by the 20th day of the following month after qualifying activities are completed. Bonuses will be paid for the following: 

Savings Account Bonus: Eligible “New Member” must open a qualified non-maturity (non-Certificate) Savings account with a minimum deposit of $20,000 (twenty thousand dollars) in new money to the Credit Union within 10 days of joining the Credit Union. At least $20,000 must stay in the deposit account for 4 (four) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. 

$100 bonus for account balances totaling $20,000 to $29,999 for 4 consecutive months.  $150 bonus for account balances totaling $30,000 to $49,999 for 4 consecutive months. $250 bonus for account balances totaling $50,000 or more for 4 consecutive months. 

New Member Checking & Direct Deposit Bonus: New Members/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member.

Checking & Direct Deposit Bonus: Eligible “New Member” must open a FIGFCU Checking (sharedraft)account within 10 days of joining the Credit Union, and posted a qualified ACH Direct Deposit amounting to a minimum of $1,000 (one thousand dollars) per calendar month into the Checking account no later than 40 days after joining the Credit Union. Once the account is open the qualifying ACH Direct Deposit must occur for the next 3 (three) consecutive months before bonus is paid. The amount of the qualifying deposits for the first 4 (four) months after the checking  account is opened will determine the amount of the bonus. The bonus will be paid by the 20th day of the following fourth month. 

$100 bonus for newly qualified Direct Deposits totaling $1,000 to $4,999 for the 4 consecutive months from when the checking account is opened, including the month the account was opened.    $250 bonus for newly qualified Direct Deposits totaling $5,000 or more for the 4 consecutive months from when the checking account is opened, including the month the account was opened. 

*New Members/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member.

Eligible “Member” must open a qualified bonus account with a minimum qualifying deposit/loan in new money to the Credit Union within 10 days of joining the Credit Union. Bonus will be paid by the 20th day of the following month after qualifying activities are completed. Bonuses will be paid for the following:

$50 Direct Deposit Bonus: Eligible “New Member” must open a Checking account within 10 days of joining the Credit Union, and posted an ACH Direct Deposit amounting to a minimum of $1,000 per calendar month into the Checking account no later than 45 days after joining the Credit Union. The ACH Direct Deposit must occur for 2 (two) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. The “New Member” must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account.

$50 Savings/Deposit Bonus: Eligible “New Member” must open a qualified savings/deposit account with a minimum deposit of $10,000 (ten thousand dollars) in new money to the Credit Union within 10 days of joining the Credit Union. At least $10,000 must stay in the deposit account for 2 (two) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. The “New Member” must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account.

Promotion is available starting July 1, 2024 until further notice. Offer availability subject to change.

Bonus recipient must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account. Bonus recipient must be at least 18 years of age, able to open an active membership in good standing and not have caused a loss to the Credit Union.

“Bonus” is considered interest and will be reported to the IRS.

**An initial deposit of $20 is required to open any Checking Account. High Yield Checking is an interest earning checking account eligible for up to 5.00% APY interest on the average daily balance in the checking account up to $5,000 (five thousand dollars) and 0.20% APY on balances over $5000. Dividends are calculated by applying a periodic rate to the Average Daily Balance in the account for the Dividend period. High Yield Checking will earn up to 5.00% APY interest and is eligible for up to $10 (ten dollars) in ATM surcharge rebates per statement cycle subject to the following: 1) $1,000 (one thousand dollars) monthly minimum direct deposit, 2) eStatements, and 3) 10 Debit Card Point of Sale (PIN and Signature based) posted transactions using the Farmers Insurance Federal Credit Union Debit Card. Posted transactions count toward monthly minimums. Interest earned will be credited to the account at the end of the statement period. Additional restrictions apply: I must be a Member in good standing with a valid email address on file with the Credit Union. Qualifying transactions must post and clear the account during the monthly qualification cycle. Should the account not qualify for ATM surcharge rebates and/or the 5.00% APY interest, and for balances in excess of $5,000, the account will earn 0.20% APY (twenty basis points) on the checking account balance. Transactions may take one or more business days from the transaction date to post to the account. At the time of the statement cycle date you will verify the combined products and services used since the previous cycle date to determine the qualification for the 5.00% interest and the eligibility for the ATM surcharge rebate. In the event that my monthly $1,000 ACH direct deposit credit does not come in for a 60 day period, the loan discount and the rate bump-up on the certificate will also be discontinued. Current interest rates and the annual percentage yield may be found at the Credit Union’s website, may be verified at a Credit Union Branch or by calling 800.877.2345. Interest rates earned, ATM surcharge rebate amounts and qualifying dollar amounts for interest earned are subject to change at any time. APYs, ATM surcharge rebate amounts and eligibility criteria are subject to change at any time. Fees may reduce earnings. Accounts with one calendar month of no activity will be assessed an inactivity fee of $5.

Rate bonus is for a minimum of $1,000 monthly ACH Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account. Rates are subject to change at any time.

†APY = Annual Percentage Yield. APY is the annualized rate based on a compounding period of one year. When the deposited money earns dividends and the accumulated dividends starts earning dividends as well, we are talking about compounding. Fees could reduce the earnings on an account. All yields except Certificate yields are subject to change retroactively to the beginning of the month.

Rate bonus is for a minimum of $1,000 monthly ACH Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account. Rates are subject to change at any time. No branch or call center access with this account.

Limited Time Offer No Penalty 9-Month Certificate Account / Yields are subject to change without notice. This is a promotional yield of {@9MO_NO_PENALTY_CERTIFICATE_APY} APY. Bonus Dividend may not be combined with any other dividend increase/bonus. Annual Percentage Yield (APY) is calculated on a 4.17% base rate, $1,000.00 minimum balance, regular share certificate requirement on a 365 day basis. IRA share certificates do not qualify for this promotion. Deposit must be new funds to the Credit Union and may not be transferred or withdrawn and deposited back into the Credit Union from any existing Credit Union account. No additional deposits accepted (other than dividends) during certificate term. Normal substantial penalty for early withdrawal of certificate funds will be waived as follows: 1) No withdrawals within the first 30 days of setting up the certificate 2) One withdrawal allowed per calendar month after the initial 30 days no withdrawal. Fees and other conditions may reduce earnings. The 9-Month promotional No Penalty Certificate will automatically roll over to a 9-Month Certificate at maturity. Federal regulations require dividends be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions. *APY = Annual Percentage Yield. Rates and terms are subject to change at any time. Fees could reduce the earnings on an account. No Additional deposits are allowed. No withdrawals prior to maturity date subject to terms; penalties will be waived after the first 30 days.

Non-Owner Occupied Equity Loans— The advertised loan is a 20 year Fixed Rate Loan with a 20 year fully amortizing term. The interest rate is {@NON_OWNER_OCCUPIED_HOME_EQUITY_LOAN_APR} for 240 months. The disclosed APR is {@NON_OWNER_OCCUPIED_HOME_EQUITY_LOAN_APR}. Example on a loan amount of $150,000.00 the monthly principal and interest payment would be approximately  $1,480.00 for 240 months. Loan Requirements: 1) Minimum FICO 720, 2) Maximum Combined Loan-To-Value of 60%, 3) 6 months’ worth of cash reserves on deposit with FIGFCU at the time of funding, 4) Maximum Debt-To-Income 50%, 5) Maximum term 240 months, 6) Direct Deposit Discount available. Non-Owner Occupied: Rental Properties, Second Home and Vacation homes only. Loans are subject to Credit Approval and verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Rates and Terms are effective 02/20/2023 and are subject to change without notice. NMLS #408877

APR = Annual Percentage Rate. APR is the annual rate of interest that is paid on an investment, without taking into account the compounding interest within that year. Rates are subject to change at anytime.

There is a $500 refinance fee for Home Equity Loans booked within the last 12 months, unless $20,000 new cash is added to the loan request.

ONLINE DEPOSIT (REMOTE DEPOSIT CAPTURE) SERVICES END USERS AGREEMENT

Effective March 18, 2013

In this End Users Agreement, the words "I," "me," "my," "us" and "our" mean the (consumer or business) that applied for and/or uses any of the Online Deposit (Remote Deposit Capture) Services (the "Services") described in this End Users Agreement. The words "you," "your," and "yours" mean (Farmers Insurance Federal Credit Union). My Application for use of the Services, your notification of approval of my application, and my (Farmers Insurance Federal Credit Union) (Account Agreement and Disclosures) are hereby incorporated into and made a part of this End Users Agreement. In the event of a discrepancy between this End Users Agreement, Truth in Savings and Electronic Services Agreement, my Application, and your approval notification, the End Users Agreement and subsequent versions will control.

Attention Business Account Users: Please read the section titled "Business Account Users Only" for special terms and conditions.

Use of the Services. Following receipt of your notification approving my use of the Services, I am authorized by you to remotely deposit paper checks I receive to my account with you (the "Account") by electronically transmitting a digital image of the paper checks to you for deposit. My use of the Services constitutes my acceptance of the terms and conditions of this End Users Agreement. I agree to comply with the hardware and software requirements set forth at Exhibit "A," which is attached hereto and incorporated by this reference.

I will use this service by scanning checks on a conforming scanner and delivering the images electronically and information required hereby to you or your designated processor. Upon receipt of the digital image, you will review the image for acceptability. I understand and agree that receipt of an image does not occur until after you notify me of receipt of the image via the Deposit History feature. I understand that, in the event I receive a notification from you confirming receipt of an image, such notification does not mean that the image contains no errors or that you are responsible for any information I transmit to you. You are not responsible for any image that you do not receive. Following receipt of the image, you may process the image by preparing a "substitute check" or clearing the item as an image. Notwithstanding anything to the contrary, you reserve the right, within your sole and absolute discretion, to accept or reject any item for remote deposit into my Account. I understand that any amount credited to my Account for items deposited using the Services is a provisional credit and I agree to indemnify you against any loss you suffer because of your acceptance of the remotely deposited check.

In addition I agree that I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or Services, (ii) copy or reproduce all or any part of the technology or Services; or (iii) interfere, or attempt to interfere, with the technology or Services.

Compliance with Law. I agree to use the products and Services for lawful purposes and in compliance with all applicable laws, rules and regulations, as well as all laws pertaining to the conduct of my business if applicable. I warrant that I will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. I promise to indemnify and hold you harmless from any damages, liabilities, costs, expenses (including attorneys’ fees) or other harm arising out of any violation thereof. This indemnity will survive termination of my Account and this Agreement.

Check Requirements. (See exhibit "A") Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to scanning/capturing the original check, I will endorse the back of the original check. My endorsement will include my signature and Member/Account numbers. The captured image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate magnetic ink character recognition (MICR) information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. Including a) For deposit only at Farmers Insurance Federal Credit Union, b) Account Number: ####, c) Via Online Deposit, and d) On (date) mm/dd/yyyy. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. I hereby agree that I will only capture and deposit a check(s) as that term is defined in Federal Reserve Board Regulation CC. In addition, that this check be deemed an "item" within the meaning of Article 4 of the Uniform Commercial Code (1990 Official Text).

Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to your Account due to an item being returned.

Items Returned Unpaid. A written notice will be sent to me electronically via Email or by use of U.S. Mail, of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. These will be subject to the returned item fees as noted in the Credit Union’s "Schedule of Fees".  Additionally: The availability to participate in the Remote Deposit Capture program may be suspended by you and subject to reinstatement of my use of this service.

Email Address. I agree to notify you immediately if I change my Email address, as this is the Email address where you will send me notification of receipt of remote deposit items, as well as other notices as applicable.

Unavailability of Services. I understand and agree that the Services may at times be temporarily unavailable due to Credit Union system maintenance or technical difficulties such as those of the Internet service provider, cellular service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branches, shared branches, through your ATMs, our affiliated ATM network, or by mailing the original check to you at PO Box 36911, Los Angeles, CA 90036-6911. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. However, you will Email notification of items that are rejected by the next business day following rejection.

Business Day and Availability Disclosure. Your business days are Monday through Friday, except holidays. Your business hours are 7:30 a.m. to 3:30 p.m., Pacific Time, each business day.

Funds Availability. I understand and agree that, for purposes of deposits made using the Services, the place of deposit is identified as Los Angeles, CA. Subject to the Funds Availability Act, deposits made using the Services, the minimum availability of funds will be available as set forth below:

$200.00 or less: No hold

More than $200: 1 day hold

However, longer delays may apply. Funds I deposit by check may be held for a longer period under the following circumstances: 1) You believe a check I deposit will not be paid, 2) I deposit checks totaling more than $5,000 on any one day, 3) I redeposit a check that has been returned unpaid, 4) I have overdrawn my account repeatedly in the last six months, or 5) There is an emergency, such as a failure of communication or computer equipment. You will notify me if you delay my ability to withdraw funds for any of these reasons, and you will tell me when the funds will be available. Funds will generally be available no later than the 7th business day after the day of my deposit.

Subject to your approval, you will set additional deposit restrictions, and grant increased availability of funds.

Internal Controls and Audit. I understand and agree to adhere to the Internal Controls as described in this agreement and further detailed within this section. Furthermore I agree to comply with the Audit requirements prescribed by the Credit Union within this Agreement. You reserve the right to conduct a physical inspection of the appropriate areas affecting the areas of operation described in this agreement. You may review any pertinent area that may affect Online Deposit, both in the posting of deposits along with the affected areas including my general accounting and ledger systems, physical security and background of those to whom I have granted access to, and the areas affecting their transactions.

Accountholder’s Warranties. I make the following warranties and representations with respect to each image of an original check I transmit to you utilizing the Services:

Each image of a check transmitted to you is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check.

The amount, payee, signature(s), and endorsement(s) on the original check are legible, genuine and accurate.

I will not deposit or otherwise endorse to a third party the original item (the original check) and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the item (either the original item, or a paper or electronic representation of the original item) such that the person will be asked to make payment based on an item it has already paid.

Other than the digital image of an original check that I remotely deposit through your Services, there are no other duplicate images of the original check.

I have instituted procedures to ensure that each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check.

I am authorized to enforce each item transmitted or am authorized to obtain payment of each item on behalf of a person entitled to enforce such transmitted item.

The information I provided in my Application remains true and correct and, in the event any such information changes, I will immediately notify you of the change.

I have not knowingly failed to communicate any material information to you.

I have possession of each original check deposited using the Services and no additional party will submit the original check for payment.

Files and images transmitted to you will contain no viruses or any other disabling features that may have an adverse impact on your network, data, or related systems.

Storage of Original Checks. I must securely store each original check that I deposit using the Services for a period of sixty (60) days after transmission to you. If I am using the Services to deposit items into an account in the name of a Business to which I am a party, I understand this means the original check(s) must be accessible only by my authorized personnel. Persons who have access to the stored checks must be fully bondable and have passed a thorough screening. After the sixty (60) days period expires, I will destroy the original check. I understand and agree that I am responsible for any loss caused by my failure to secure the original checks. You may request, for verification purposes, proper adherence to this requirement. I may be asked to provide original items after being submitted by image for deposit. Along with verification of both my storage and destruction procedures/practice. Failure to meet these requirements subjects me to standards set forth in the standards for Non-Compliance below.

Securing Images on Mobile Devices. When using "Mobile Banking", I understand that check images captured using my mobile phone are stored on the device only until the associated deposit has been successfully submitted. I agree to promptly complete each deposit. In the event that I am unable to promptly complete my deposit, I agree to ensure that my mobile phone remains securely in my possession until the deposit has been completed or to delete the associated images from the application. Failure to meet these requirements subjects me to standards set forth in the standards for Non-Compliance below.

Accountholder’s Indemnification Obligation. I understand and agree that I am required to indemnify you and hold you harmless against any and all claims, actions, damages, liabilities, costs, and expenses, including reasonable attorneys’ fees and expenses arising from my use of the Services and/or breach of this End Users Agreement. I understand and agree that this paragraph shall survive the termination of this Agreement.

In Case of Errors. I must call or write you as soon as possible, if I think my statement or receipt is wrong, or if I need more information about a transaction listed on the statement or receipt. You must hear from me no later than sixty (60) days after you sent me the FIRST statement or receipt/confirmation on which the problem or error appeared. I will:

Tell you my name and account number;

Describe the error or the transfer I am unsure about, and explain as clearly as I can why I believe it is an error or why I need more information; and

Tell you the dollar amount of the suspected error.

I will contact you at: Farmers Insurance Federal Credit Union 2255 N. Ontario Street Suite 320 Burbank, CA 91504 800.877.2345

If I tell you orally, you may require that I send you my complaint or question in writing within ten (10) business days. You will tell me the results of your investigation within ten (10) business days after you hear from me and will correct any error promptly. If you need more time, however, you may take up to forty-five (45) days to investigate my complaint or question. If you decide to do this, you will provisionally credit my account within ten (10) business days for the amount I think is in error, so that I will have the use of the money during the time it takes you to complete your investigation. If you ask me to put my complaint or question in writing and you do not receive it within ten (10) business days, you may choose not to provisionally credit my account during the additional time that may be required to investigate my complaint or question.

Charges for Use of the Services. All charges (if any) associated with the Services are disclosed in your Fee Schedule. 

Warranties. I UNDERSTAND THAT THE CREDIT UNION DOES NOT MAKE ANY WARRANTIES ON EQUIPMENT, HARDWARE, SOFTWARE OR INTERNET PROVIDER SERVICE, OR ANY PART OF THEM, EXPRESSED OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THE CREDIT UNION IS NOT RESPONSIBLE FOR ANY LOSS, INJURY OR DAMAGES, WHETHER DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL, CAUSED BY THE INTERNET OR CELLULAR SERVICE PROVIDER, ANY RELATED SOFTWARE, OR THE CREDIT UNION’S USE OF ANY OF THEM OR ARISING IN ANY WAY FROM THE INSTALLATION, USE, OR MAINTENANCE OF MY PERSONAL COMPUTER HARDWARE, SOFTWARE, CELLULAR PHONE/MOBILE DEVICE OR OTHER EQUIPMENT.

Change in Terms. You may change the terms and charges for the Services indicated in this End Users Agreement by notifying me of such change in writing and may amend, modify, add to, or delete from this End Users Agreement from time to time. My use of the Services after receipt of notification of any change by you constitutes my acceptance of the change. No amendments requested by me shall be effective unless received, and agreed to in writing, by you. Further I agree that you may change terms including, but not limited to; allowable limits, holds, extended holds, availability of funds and allowable frequency of deposits of funds. Actions that may affect the terms of my use include but are not limited to change in Direct Deposit, including frequency, dollar amounts and approved usage of my account. Should I discontinue and/or not use my these services for a period greater than 6 months I am subject to having the availability of these services cancelled and subject to your approval to reenroll.

Termination of the Services. I may, by written request, terminate the Services provided for in this End Users Agreement. You may terminate my use of the Services at any time upon written notice. In the event of termination of the Services, I will remain liable for all transactions performed on my Account. Should an urgent matter occur, i.e. "Suspicion of Fraud" the Services may be suspended immediately, subject to verification, along with a follow up written notification.

Non-Compliance to End Users Agreement. My ability to use Remote Deposit Capture and/or the limits I have been given may be suspended or denied for lack of compliance with the provided End Users Agreement. Failure to adhere to said agreement may also subject me to the Credit Union’s "Denial of Services" which may limit my ability to use other products and services. You shall review my accounts and use of services which may subject me to additional adverse actions at your discretion. You shall notify me within 5 (five) business days should such adverse action need to be taken.

Relationship to Other Disclosures. The information in these Disclosures applies only to the Services described herein. Provisions in other disclosure documents, as may be revised from time to time, remain effective for all other aspects of the Account.

Governing Law. I understand and agree that this End Users Agreement and all questions relating to its validity, interpretation, performance, and enforcement shall be governed by and construed in accordance with the internal laws of the state of California, notwithstanding any conflict-of-laws doctrines of such state or other jurisdiction to the contrary. I also agree to submit to the personal jurisdiction of the courts of California.

Periodic Statement. Any remote deposits made through the Services will be reflected on my monthly account statement. I understand and agree that I am required to notify you of any error relating to images transmitted using the Services by no later than thirty (30) days after I receive the monthly periodic statement that includes any transaction I allege is erroneous. I am responsible for any errors that I fail to bring to your attention within such time period. If I do not receive my statement within 15 days of the end of a cycle, I must notify you to request a replacement copy. If any dispute is subject to the "statement error resolution" the "error resolution" will take precedent.

Limitations on Frequency and Dollar Amount. I understand and agree that I cannot exceed the limitations on frequency and dollar amounts of remote deposits that are set forth by you. I understand that you may immediately change my limit at your discretion upon written notice.

Unacceptable Deposits. I understand and agree that I am not permitted to deposit the following items using the Services:

Any item that is stamped with a "non-negotiable" watermark.

Any item drawn on my account or my affiliate’s account.

Any item that contains evidence of alteration to the information on the check.

Any item issued by a financial institution in a foreign country or an item representing foreign currency.

Any item that is incomplete.

Any item that is "stale dated" or "post dated."

Any third party check, i.e., any item that is made payable to another party and then endorsed to me by such party.

Any item that is not immediately negotiable, or notated "draft" or "for collections".

Changes in Financial Circumstances. I understand and agree that I must inform you (within) 5 (five) business days in the event a material change in my financial circumstances as or in any of the information provided in my Application including any supporting financial information.

Confidentiality. I acknowledge and agree that confidential data relating to your Services, marketing, strategies, business operations and business systems (collectively, "Confidential Information") may come into your possession in connection with this End Users Agreement I understand and agree that I am prohibited from disclosing, and agree to maintain, the confidentiality of your Confidential Information.

Waiver. The failure of either party to seek a redress for violation, or to insist upon the strict performance, of any covenant, agreement, provision, or condition hereof shall not constitute the waiver of the terms or of the terms of any other covenant, agreement, provision, or condition, and each party shall have all remedies provided herein with respect to any subsequent act which would have originally constituted the violation hereunder.

Relationship. This End Users Agreement does not create, and shall not be construed to create, any joint venture or partnership between the parties. No officer, employee, agent, servant, or independent contractor of either party shall at any time be deemed to be an employee, servant, agent, or contractor of the other party for any purpose whatsoever.

Notices. Any notice required hereunder shall be given by first class U.S. Mail, hand delivery, electronically or by any other means agreed upon by both parties. If any notice instructions are given, the provisions of such shall govern the method and location for giving notice. Any notice mailed shall be presumed received on the third business day after mailing thereof.

Business Account Users Only

Guarantee Specific to Deposits Received for Credit to a Business Account:

My use of the Services for the purpose of depositing to a Business Account constitutes my understanding and agreement that I may be personally liable for any expenses Farmers Insurance Federal Credit Union incurs in attempting to obtain final payment for the item in question, outside of the routine costs associated with item processing, in the event of a default by the Business. This includes but is not limited to recovery of the amount credited in the event of non-payment, collection costs and attorney’s fees as applicable, as well as any and all costs associated with Farmers Insurance Federal Credit Union enforcing this Guarantee. This Guarantee shall benefit the Farmers Insurance Federal Credit Union and its successors and assigns.

If I am using the Services to deposit items into an account in the name of a Business to which I am a party, this includes, but is not limited to, notification of the following: (a) changes in transaction volumes at my business; (b) any change in a representation or statement made or furnished to you by me or on my behalf in my Application; (c) a material change occurs in my ownership or organizational structure (acknowledging that any change in ownership will be deemed material when ownership is closely held); (d) I liquidate or dissolve, or enter into any consolidation merger, partnership, or joint venture; (e) I sell any assets except in the ordinary course of my business as now conducted, or sell, lease, assign or transfer any substantial part of my business or fixed assets or any property or other assets necessary for the continuance of my business as now conducted including, without limitation, the selling of any property or other assets accompanied by the leasing back of the same; (f) I cease doing business, become insolvent, a receiver is appointed for all or any part of my property, I make an assignment for the benefit of creditors, or any proceeding is commenced either by me or against me under any bankruptcy or insolvency laws or any other law or laws relating to debtors; (g) any guaranty of my indebtedness to you, whether related or unrelated to the Account or the Services, ceases to be in full force and effect or is declared to be null and void; or the validity or enforceability thereof is contested in a judicial proceeding; or any guarantor denies that it has any further liability under such guaranty; or any guarantor defaults in any provision of any guaranty, or any financial information provided by any guarantor is false or misleading; (h) I or any guarantor dies; if I am a sole proprietorship, the owner dies; if I am a partnership, any general or managing partner dies; if I am a corporation, any principal officer or 10.00% or greater shareholder dies; if I am a limited liability company, any managing member dies; if I am any other form of business entity, any person(s) directly or indirectly controlling ten percent (10.00%) or more of the ownership interests of such entity dies; (i) any creditor tries to take any of my property on or in which you have a lien or security interest, including a garnishment of any of my accounts with you; (j) a judgment or judgments is entered against me or any guarantor(s) in the aggregate amount of $250 or more that is not satisfied within thirty (30) days or stayed pending appeal; (k) an involuntary lien or liens is attached to any of my assets or property and not satisfied within thirty (30) days or stayed pending appeal; (l) an adverse change occurs in my financial condition or applicable credit histories; and (m) I am in default under any agreement for borrowed money or any other material contract. I agree to provide you any financial records you reasonably request to determine my financial status during the term of this End Users Agreement.

Rate bonus is for a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account. Rates are subject to change at anytime.

**No branch or call center access with this account.

Farmers Insurance Federal Credit Union (Sponsor) Pay Yourself First 2024

March 11 – March 29 2024 Official Rules

NO PURCHASE NECESSARY TO ENTER OR WIN. ENTRY IN THIS CONTEST

DRAWING CONSTITUTES YOUR ACCEPTANCE OF THESE OFFICIAL RULES.

1. Eligibility: To be eligible to enter, you must: (a) be a legal resident of one of the United States, (b) be (18) years or older at the time of entry. Void in Puerto Rico, U.S. territories, U.S. military installations located in foreign countries, and where prohibited by law. Employees and representatives of Farmers Insurance Federal Credit Union (“FIGFCU,” “us,” “we,” or “our”), subsidiaries, advertising and promotional agencies, any prize provider, and any entity involved in the development, production, implementation, fulfillment or administration of the “Pay Yourself First 2024” and their immediate family members and persons living in the same household, are not eligible to participate or win. Sponsor reserves the right to verify eligibility at any time.

2. How to Enter: Participants (or “you”) may enter in the Pay Yourself First 2024 sweepstakes by entering in one of the following methods Participants must be a member of the Credit Union in good standing.

Ways to enter:

Opt-in for Text Messages: text FARMERS to 344328 Follow & comment on our Contest Social Media post New Enrollment in Tulee New Enrollment in eStatements Visit the branch & fill out an entry form Mail-In entry form Additional details on how to enter can be found on FIGFCU’s social media pages and website FIGFCU.org.

Participants can enter by mailing in a 3 X 5 card with name, address, phone number, the current date, and game name (Pay Yourself First 2024) they are participating in, placed in a sealed envelope addressed to FIGFCU, Attn: Pay Yourself First 2024, 2255 North Ontario Street Ste. 320, Burbank, CA 91504. (Limit of one entry per envelope.) FIGFCU is not responsible for late, lost, stolen, misdirected, mutilated or postage due mail. Illegible/incomplete or machine generated entries will be disqualified.

Only one entry per person – per enrollment method: Entry means between March 11, 2024 and March 29, 2024, inclusive, you submit entry form either in person or by mail, or opt-in to receive Text Messages from the Credit Union by texting the word “FARMERS” to the following number 344328; follow and comment on the Credit Union's Contest Social Media post; enroll in Tulee (the Credit Union's digital banking platform); or enroll to receive eStatements from the Credit Union. Social Media entries can be submitted by following us on Social Media @FIGFCU and completing the submission requirements as explained there. Participants can post/submit multiple entries but each participant is only allowed one eligible entry per “Pay Yourself First 2024,” entry method. Selection of which entry submission from the submission of multiple entries, through the same enrollment method will be at Sponsor’s sole discretion. Entries will not be acknowledged.  

3. Conduct: By entering the Sweepstakes, Participants agree to comply with and be bound by these Official Rules. Failure to comply with these Official Rules may result in disqualification from the Drawing. Participants also agree to comply with and be bound by decisions of Sponsor which shall be final in all respects. Sponsor reserves the right at its sole discretion to disqualify any individual it finds to be violating the terms of service, conditions of use and/or general rules or guidelines of any Sponsor property or service.

4. Prizes: We will announce winners on Social Media and by email by April 05, 2024. We will send the prizes to the winners via FedEx. We will pick five (5) winners. No substitutions or substitute redemptions will be made. Expenses not specifically stated above, together with the reporting and payment of all applicable taxes, fees, and/or surcharges, if any, arising out of, or resulting from, acceptance or use of a prize, are the sole responsibility of the winner. Restrictions, conditions, and limitations apply. Sponsor will not replace any lost or stolen prize items. Sponsor will pay for delivery within the UNITED STATES.

Prizes: Winners can choose between $50 or one of the below prizes:

Ring Doorbell  Stanley Tumbler FIGFCU Swag Apple Air pods

5. Winner Selection and Notification: Odds of winning will be determined by the total number of eligible entries received/submitted. Prize winners may be required to sign and return an Affidavit of Eligibility.

Winners List: The names of the prize winners may be obtained after April 05, 2024 by sending a self-addressed stamped envelope to: FIGFCU Attn: STIP Pay Yourself First 2024, 2255 North Ontario Street Ste. 320, Burbank, CA 91504.

Sponsor: Farmers Insurance Federal Credit Union, 2255 North Ontario Street Ste. 320, Burbank, CA 91504. Phone number: 800.877.2345. Farmers Insurance Federal Credit Union is the operator of this Contest and is solely responsible for the fulfillment of all prizes.

SOCIAL MEDIA Terms of Use: Entries may be submitted by following us on Social Media @FIGFCU and completing the submission requirements as explained for chances to win FIGFCU promotional prizes. Farmers Insurance Federal Credit Union (FIGFCU) from time to time may choose to offer promotional items/awards or giveaways as incentives for individuals to submit entries via completion of a “game, answering a question, or approximation of a number of items” on Social Media which FIGFCU participates in. These offers are only open to lawful United States Residents who are members of the Credit Union.  No purchase is necessary, other than requested information, including use of social media pages. Promotional offers are VOID in jurisdictions where prohibited.  The User selected to receive any such item, agrees to hold FIGFCU harmless for any loss which might be incurred by the receipt, use, or loss caused directly or indirectly from the use of any such promotional item or cash awards.  Promotional offers do not create an expectation on the part of any user to be selected to receive any such item.  The user understands that the probability to receive any such promotional item is minimal, as their chances are just (1) one in relation to the total number of other users who participate in the promotional item being given away.  Employees, officials or family members of FIGFCU employees/officials are prohibited from receiving or being selected to receive promotional items.  Receipt of promotional items may create tax liabilities on the part of the ultimate recipient, and users are always encouraged to consult a tax advisor prior to taking part in any promotional activity with FIGFCU. This promotion is in no way sponsored, endorsed or administered by, or associated with any of the respective Social Media groups; Twitter®, Instagram®, META® (formerly Facebook®). You understand that any information provided is to the owner of this specific Social Media page, and not to the Social Media Group/Entity.

The winners from each entry method (text, tulee, edocs) will be allowed to chose their prize between the options minus the stanley cups. The Stanley cups are just for the social media winners. Credit Cards are NOT a part of this contest.

Farmers Insurance Federal Credit Union: NMLS# 408877.

*Insurance card and the Credit Union Prescription Savings Card may not be used together. Savings average 46%, with potential savings of up to 75% (based on 2013 national program savings data[1]. This is a discount only card, not an insurance card. Discounts are available exclusively through participating pharmacies. The range of the discounts will vary depending on the type of provider and services rendered. This program does not make payments directly to providers. Members are required to pay for all health care services. You may cancel your registration at any time. This program is administered by Medical Security Card Company, LLC (MSC) of Tucson, AZ.

Not available in the state of California.

APR = Annual Percentage Rate. Rates include discounts for Direct Deposit/Agent Net Check going into their Farmers Insurance Federal Credit Union Checking Account (either High Yield or CashBack) in the amount of $1,000.00 or more monthly and Automatic Payment/Folio Deduction. Rates are subject to change at anytime. Protégé Loan: Loan amounts up to $100,000 with a 84 month term, rates as low as {@PROTEGE_LOAN_VARIABLE_APR} variable, {@PROTEGE_LOAN_FIXED_APR} fixed, with direct deposit. Participating Agent: Three options to assist with expenses. 1) Contract Value Loan, 2) Flex Loan-up to 180 month term OR 3) Business Signature Loan. Other Terms and Conditions apply. All loans subject to Credit Approval. Contact FIGFCU for details. 

*APY = Annual Percentage Yield. Rates are subject to change at anytime.

Limit one Rainy Day Account per qualified membership. Rainy Day Savings is an interest earning savings account eligible for {@RAINY_DAY_SAVINGS_APY_1} APY interest on balances up to $2,000 and the standard Membership Savings rate on balances over $2,000 when funded via recurring ACH deposit or other qualifying external funds. Dividends are calculated by applying a periodic rate to the Average Daily Balance in the account for the Dividend period. Interest earned will be credited to the account at the end of the statement period. This account is limited to two withdrawals per calendar year, each withdrawal in excess of this amount will incur a $20 excessive withdrawal fee that must be paid at the time of the withdrawal. This account does not qualify for withdrawal access via debit or check and does not support transactions originating via VRU, online banking, mobile banking, or ATMs. Withdrawals can be made in person at a Credit Union branch or by calling us at 800.877.2345. This account does not qualify for overdraft protection. Account holder must be a member with a regular share account who is in good standing. Current interest rates and the annual percentage yield may be found at the Credit Union’s website, may be verified at a Credit Union Branch or by calling 800.877.2345. Interest rates earned and qualifying dollar amounts for interest earned are subject to change at any time. APYs and eligibility criteria are subject to change at any time. Fees may reduce earnings.

Referral Bonus: For full disclosures visit https://figfcu.org/referrals. Newly referred members must meet field of membership eligibility requirements. Referral Bonus: Before bonus is paid to the “Referring Member”, the “Referred Member” must remain a member in good standing for 60 days and (within 10 days of account opening) have at least one additional account, if prospect only opens a Membership Savings, it must have a minimum balance of $250. “Referring Member” must have an active account and be in good standing at the time of the bonus payout; bonus will be posted to the primary savings account. “Bonus” is considered dividends and will be reported to the IRS. 

Referral Program: Both the Referring Member and “Referred Member” will receive a referral bonus up to $100 subject to the following:

Referring Member must be at least 18 years of age, a current active member in good standing and not have caused a loss to the Credit Union, provide the name and contact information of a prospect within our Field of Membership, and the referral results in a new qualified membership. The “Referred Member” must remain a member for at least 60 days before bonus is paid.

$50 Checking and Direct Deposit Bonus: Eligible “Referred Member” must open a Checking account within 10 days of joining the Credit Union, and posted an ACH Direct Deposit amounting to a minimum of $1,000 per calendar month into the Checking account no later than 45 days after joining the Credit Union. The ACH Direct Deposit must occur for 2 (two) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. Both the Referred Member and “Referring Member” must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account.

$50 Savings/Deposit Bonus: Both the Referring Member and “Referred Member” will receive a maximum for one additional $50 bonus subject to the following: Eligible “Referred Member” must open a qualified savings/deposit account with a minimum deposit of $10,000 (ten thousand dollars) in new money to the Credit Union within 10 days of joining the Credit Union. At least $10,000 must stay in the deposit account for 2 (two) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. Both the Referred Member and “Referring Member” must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account. 

There is no limit on the number of referrals a Referring Member can make. Only the initial referring party is eligible for bonus, employees, officials and their immediate family members are not eligible for bonus. Referral Program will be effective July 1, 2024 until further notice, and is subject to change at any time.

“Bonus” is considered interest and will be reported to the IRS.  

*If you qualify and your loan is approved, a HECM Reverse Mortgage must pay off your existing mortgage(s). With a Reverse Mortgage, no monthly mortgage payment is required. Borrowers are responsible for paying property taxes and homeowner’s insurance (which may be substantial). We do not establish an escrow account for disbursements of these payments. Borrowers must also occupy home as primary residence and pay for ongoing maintenance; otherwise the loan becomes due and payable. The loan must be paid off when the last borrower, or eligible non-borrowing surviving spouse, dies, sells the home, permanently moves out, or does not comply with the loan terms. A Reverse Mortgage increases the principal mortgage loan amount and decreases home equity (it is a negative amortization loan). These materials are not from HUD or FHA and were not approved by HUD or a government agency.  

*APY = Annual Percentage Yield. APY is the annualized rate based on a compounding period of one year. When the deposited money earns dividends and the accumulated dividends starts earning dividends as well, we are talking about compounding. Fees could reduce the earnings on an account. All yields except Certificate yields are subject to change retroactively to the beginning of the month.

Rate bonus is for a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account. Rates are subject to change at any time. No branch or call center access with this account.

**An initial deposit of $20 is required to open any Checking Account. CashBack Checking will earn a $5 (five dollar) reward and is eligible for up to $10 (ten dollars) in ATM surcharge rebates per statement cycle subject to the following: 1) $1,000 (one thousand dollars) monthly minimum direct deposit, 2) eStatements, and 3) 10 Debit Card Point of Sale (PIN and Signature based) posted transactions using the Farmers Insurance Federal Credit Union Debit Card on the CashBack Checking Account. Posted transactions count toward monthly minimums. Additional restrictions apply: I must be a Member in good standing with a current, valid email address on file with the Credit Union. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to the account. At the time of the statement cycle date the Credit Union will verify the combined products and services used since the previous cycle date to determine the qualification for the $5 reward and the eligibility for the ATM surcharge rebate. In the event that my monthly $1,000 ACH Direct Deposit credit is not received by the Credit Union for a 60 day period, any loan discount which requires the said monthly deposit, CashBack rewards and rebates, and any rate bump-ups on any share certificates will also be discontinued. CashBack reward amount may be found at the Credit Union’s website, verified at a Credit Union Branch or by calling 800.877.2345. Rewards, ATM surcharge rebate amounts, and eligibility criteria are subject to change at any time. Fees may reduce earnings and/or rewards. Accounts with one calendar month of no activity will be assessed an inactivity fee of $5

Round It Up transfers only apply to debit card transactions. Any transactions made after you enroll will be included in the Round It Up program If there are not enough funds to cover the full savings transfer, no transfer will be made. Round It Up transfers will not utilize any overdraft source, including Lines of Credit or Privilege Pay. If your Credit Union debit card purchase is subsequently cancelled or reversed, the corresponding Round It Up savings transfer remains in the savings account. Funds will be transferred only to your primary Credit Union savings account.

*APY = Annual Percentage Yield. APY is the annualized rate based on a compounding period of one year. When the deposited money earns dividends and the accumulated dividends starts earning dividends as well, we are talking about compounding. Fees could reduce the earnings on an account. All yields except Certificate yields are subject to change retroactively to the beginning of the month. Yields are subject to change at anytime.

Yield bonus is for a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account. Yields are subject to change at anytime.

†The national average for this type of account is 0.42% APY, based on rates published in the FDIC Monthly National Rates and Rate Caps accurate as of 01/21/2025. 

‡No branch or call center access with this account.

**APR = Annual Percentage Rate. APR is the annual rate of interest that is paid on an investment, without taking into account the compounding interest within that year. Rates are subject to change at anytime. 1.00% rate discount is for a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction as a repayment method to qualify. Rates are subject to change at anytime.

There is a $500 refinance fee for Home Equity Loans booked within the last 12 months, unless $20,000 new cash is added to the loan request. 

†New Members Savings Account Bonus: New Savings Account/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member.

Eligible “Member” must open a qualified bonus account with a minimum qualifying deposit/loan in new money to the Credit Union within 10 days of joining the Credit Union. Bonus will be paid by the 20th day of the following month after qualifying activities are completed. Bonuses will be paid for the following: 

Savings Account Bonus: Eligible “New Member” must open a qualified non-maturity (non CD) savings account with a minimum deposit of $20,000 (twenty thousand dollars) in new money to the Credit Union within 10 days of joining the Credit Union. At least $20,000 must stay in the deposit account for 4 (four) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. 

$100 bonus for account balances totaling $20,000 to $29,999 for 4 consecutive months.  $150 bonus for account balances totaling $30,000 to $49,999 for 4 consecutive months.  $100 bonus for account balances totaling $50,000 or more for 4 consecutive months. 

Promotion is available starting July 1, 2024 until further notice. Offer availability subject to change.

Bonus recipient must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account. Bonus recipient must be at least 18 years of age, able to open an active membership in good standing and not have caused a loss to the Credit Union.

“Bonus” is considered interest and will be reported to the IRS.   

No branch or call center access with this account.

*APY = Annual Percentage Yield. Fees could reduce the earnings on an account. All yields except Certificate yields are subject to change retroactively to the beginning of the month. Yields are subject to change at anytime.

Rate bonus is for a minimum of $1,000 monthly ACH Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account. Rates are subject to change at anytime.

**No branch or call center access with this account.

†New Members Savings Account Bonus: New Savings Accoun/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member.

Eligible “Member” must open a qualified bonus account with a minimum qualifying deposit/loan in new money to the Credit Union within 10 days of joining the Credit Union. Bonus will be paid by the 20th day of the following month after qualifying activities are completed. Bonuses will be paid for the following: 

Savings Account Bonus: Eligible “New Member” must open a qualified non-maturity (non CD) savings account with a minimum deposit of $20,000 (twenty thousand dollars) in new money to the Credit Union within 10 days of joining the Credit Union. At least $20,000 must stay in the deposit account for 4 (four) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. 

$100 bonus for account balances totaling $20,000 to $29,999 for 4 consecutive months.  $150 bonus for account balances totaling $30,000 to $49,999 for 4 consecutive months.  $100 bonus for account balances totaling $50,000 or more for 4 consecutive months. 

Promotion is available starting July 1, 2024 until further notice. Offer availability subject to change.

Bonus recipient must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account. Bonus recipient must be at least 18 years of age, able to open an active membership in good standing and not have caused a loss to the Credit Union.

“Bonus” is considered interest and will be reported to the IRS.

‡The national average for this type of account is 0.45% APY, based on rates published in the FDIC Monthly National Rates and Rate Caps accurate as of 6/17/2024.

Consult your tax advisor or refer to IRS Publication 502. Contribution limitations and other restrictions apply to HSAs. To have a Federally Qualified HSA, you must purchase and maintain a HDHP with minimum deductibles of $1,300 (individual) and $2,600 (family), and maximum out of pocket expenses less than $6,850 (individual) and $13,700 (family). Generally you cannot be covered by another low-deductible health insurance policy. The tax treatment of HSA contributions and distributions under your state's income tax laws may differ from the referenced federal tax treatment, and from state to state. Consult with your financial or tax advisor for more information. This Credit Union is federally-insured by the National Credit Union Administration.

Promotions offered are subject to change or terminate at anytime.

Limited Time Offer No Penalty 9-Month Certificate Account / Yields are subject to change without notice. This is a promotional yield of 5.00% APY. Bonus Dividend may not be combined with any other dividend increase/bonus. Annual Percentage Yield (APY) is calculated on a 4.89% base rate, $1,000.00 minimum balance, regular share certificate requirement on a 365 day basis. IRA share certificates do not qualify for this promotion. Deposit must be new funds to the Credit Union and may not be transferred or withdrawn and deposited back into the Credit Union from any existing Credit Union account. No additional deposits accepted (other than dividends) during certificate term. Normal substantial penalty for early withdrawal of certificate funds will be waived as follows: 1) No withdrawals within the first 30 days of setting up the certificate 2) One withdrawal allowed per calendar month after the initial 30 days no withdrawal. Fees and other conditions may reduce earnings. The 9-Month promotional No Penalty Certificate will automatically roll over to a 9-Month Certificate at maturity. Federal regulations require dividends be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions. *APY = Annual Percentage Yield. Rates and terms are subject to change at any time. Fees could reduce the earnings on an account. No Additional deposits are allowed. No withdrawals prior to maturity date subject to terms; penalties will be waived after the first 30 days.

Limited Time Offer Flex-Term Share Certificate available on new Certificates. The following terms are available as follows: 1) 3 months, 6 months, 9 months, and 12 months. This is a promotional yield of 5.00% APY; Annual Percentage Yield (APY) is calculated on a 4.89% base rate;  2) 18 months, 24 months, 36 months, 48 months, and 60 months, this is a promotional yield of 4.50% APY;  Annual Percentage Yield (APY) is calculated on a 4.41% base rate. Yields are subject to change without notice. “Flex-Term” Bonus Dividend may not be combined with any other dividend increase/bonus, i.e., “Direct Deposit Bonus” and “Jumbo Certificate” increased rates. $1,000.00 minimum balance, regular Share Certificate requirement on a 365-day basis compounding monthly or at account closure. IRA Share Certificates with a 12-month term or greater qualify for this promotion. No additional deposits accepted (other than dividends) during certificate term. There is a substantial penalty for early withdrawal of Certificate funds. Fees and other conditions may reduce earnings. The Flex-Term promotional Certificate will automatically roll over to the same term as the Flex-Term period selected at the time of opening at the available rates of Certificates at maturity. Federal regulations require dividends to be paid from available earnings; dividends are contingent upon this regulation. Refer to our TISA Disclosure for terms and conditions. 

*APY = Annual Percentage Yield. Yields are subject to change at any time. Early withdrawal penalty and fees could reduce the earnings on an account.

The information collected cannot and will not be used to identify you unless you specifically instruct us to.

SMALL BUSINESS PAYCHECK PROTECTION PROGRAM The Paycheck Protection Program provides small businesses with funds to cover up to either 8 weeks or 24 weeks of payroll costs including benefits. Funds can also be used to pay interest on mortgages, rent, and utilities.

Fully Forgiven — Funds are provided in the form of loans that will be fully forgiven when used for payroll costs, interest on mortgages, rent, and utilities (at least 60% of the forgiven amount must have been used for qualified payroll). Loan payments will also be deferred for six months. No collateral or personal guarantees are required. Neither the government nor the Credit Union will charge small businesses any fees.

Borrowers must Keep Employees on the Payroll—or Rehire Quickly. Forgiveness is based on the employer maintaining or quickly rehiring employees and maintaining salary levels. Forgiveness will be reduced if full-time headcount declines, or if salaries and wages decrease. All Small Businesses Eligible- Small businesses with 500 or fewer employees—self-employed individuals, sole proprietorships, and independent contractors— are eligible. If borrower meets all requirements, loan amount can be forgiven by the US government for maintaining a level of business activity & remaining compliant. Program is administered and governed by the Small Business Administration®.

The Paycheck Protection Program is implemented and subject to change by the Small Business Administration guidelines with support from the Department of the Treasury. Borrowers should visit www.sba.gov or www.coronavirus.gov for more information.

*Credit Union members in good standing may submit applications. Members not in good standing, or have caused a loss to the Credit Union, may have their PPP application declined.

*Calm, “2024 Voice of the Marketplace Report”

**PwC 2023 Employee Financial Wellness Survey

$100 Bonus for New Credit Cards for: Crystal Visa, Select Visa & Visa Platinum: A $100 (one hundred dollars) bonus will be paid in the form of “Visa Statement Credit” when at least $5,000.00 (five thousand dollars) is spent in purchases within the first 3 months (qualifying period) of the “New” Visa card opening. Bonuses will be paid out within 90 days after the qualification period. Example: If a card is activated on January 1, 2021 and the total of qualifying purchases for the months of January, February and March is at least $5,000, the primary borrower will receive a Bonus of $100 (one hundred dollars) no later than July 1, 2021.  Limit of one reward/bonus per member number. Qualifying transactions must “post” to the designated account during the qualified period. All qualifying purchases will count towards the $5,000 in spent purchases unless return for credit of any of the qualifying transactions takes place within 90 days of the end of the qualifying period. Transactions may take two business days from the date of purchase to post. Member must be in good standing to be eligible for bonus. New accounts are subject to FIGFCU approval and all other terms and conditions apply. This offer is valid only for individual account /card holders, is non-transferable and cannot be combined with any other offer. The $100 Bonus is a product promotion sponsored by FIGFCU and may be discontinued at any time.  Visa is a registered trademark.

+APR = annual percentage rate. Rates are subject to change at anytime.

**The balance transfer amount from other Farmers Insurance Federal Credit Union credit cards will retain its current rate (i.e., Select Visa at {@SELECT_VISA_RATE}, Visa Platinum at {@VISA_PLATINUM_RATE}, until the transferred balance is paid off. APR=Annual Percentage Rate. Rate quoted is the lowest rate possible for qualified borrowers and is subject to change. Qualification is based on credit history, debt, and the ability to repay. Your rate may vary. All loans subject to credit approval. The newly opened Credit Union credit card's rate will only apply to new transactions. Any balances on the previous Credit Union credit card must be paid off at the prior credit card's rate.

Zero Percent (0%) Introductory Rate Promotion for purchases, is offered for new FIGFCU Select Visa® Credit Card account holders. This incentive offer, is not available to those members who are opening a new Select Visa and had an outstanding balance or a closed FIGFCU Zero Percent Loan account and/or had any FIGFCU Select Visa® Credit Card within the last year. If you are in an introductory rate promotion period, you are not eligible to transfer other loan balances, line of credit balances, credit card account balances or CASH Advance to take advantage of the introductory rate promotion.

The program promotion may be modified, suspended or cancelled or may be changed at any time without notice and without restriction or penalty. Farmers Insurance Federal Credit Union reserves the right to change the promotion rates and program retention period from time to time. You will be notified of any expiration or program changes as required by law. Contact Farmers Insurance Federal Credit Union for details on applicable conversion to current rate and payment options which are then in effect. At Farmers Insurance Federal Credit Union's sole discretion, the program offering of the program may be terminated, for any reason, including but not limited to a “Rules Violations”, your Farmers Insurance Federal Credit Union account is not in good standing or is suspected of fraud, or if you move to another Farmers Insurance Federal Credit Union credit card.

This program is void where prohibited or restricted by law. You are responsible for any federal, state, or local taxes.

Effective Offering Dates: Promotion period for Zero Percent (0%) introductory is effective for FIGFCU Select Visa® Credit Cards opened beginning July 20, 2020 through “until further notice”.

Loss of Introductory APR: We may end your introductory APR and/or apply the Penalty APR if you make a late payment or are Over limit.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Billing Rights section of the Visa® Credit Card Agreement.

Introductory rate and incentive offers for Select Visa®, are not available to those members who had an outstanding balance on a preexisting or closed FIGFCU Visa Credit Card account and/or had an FIGFCU Visa Credit Card within the last 12 (twelve)  months. If you are in an introductory rate promotion, you are not eligible to increase limits until the introductory rate promotion has expired.

TERMS AND CONDITIONS The introductory Annual Percentage Rate (APR) Zero Percent (0%) will apply to purchases made during a promotional period of 6 (six) months from the date of opening of your Visa account. After this promotional period ends, 6 (six) months from the date of activation of your Visa account, your standard APR will apply to any remaining balance and to all new purchases and balance transfers. The terms of this introductory rate may not be applied to existing Farmers Insurance Federal Credit Union Visa accounts.

This promotional introductory offer is based on meeting Farmers Insurance Federal Credit Union’s criteria for creditworthiness. Farmers Insurance Federal Credit Union will review your credit and employment history and any other information permitted by law to process your application. The credit line on this account will be determined after a credit review of your application by Farmers Insurance Federal Credit Union and will be based on various factors, including income. FIGFCU maintains the right to not open this account if: a) the information provided is incomplete, inaccurate or cannot be verified, or if you do not meet Farmers Insurance Federal Credit Union’s standards for creditworthiness; b) your name and/or mailing address on the credit application have been altered; c) the income you reported on the application is insufficient to support the opening of this account; or d) you do not meet Farmers Insurance Federal Credit Union’s membership eligibility or “member in good standing” requirements. You have the right to review your credit history by contacting the appropriate credit reporting agencies.

Change in APRs, Fees and Other Terms: Farmers Insurance Federal Credit Union may change the APRs, fees and other terms of your account at any time in accordance with applicable law and the Visa Credit Card Agreement. Factors we may consider in determining whether and how to change your terms include, but are not limited to, a late payment or an extension of credit that exceeds the credit limit, the frequency and severity of defaults and other indications of risk on accounts with Farmers Insurance Federal Credit Union and other creditors. To the extent allowed by law, the change in terms will affect all outstanding balances. If we increase your APRs, the new APRs will apply only to new transactions you make after we notify you of the change in writing unless it is for default in terms as outlined above.  

SmartStart Certificate and SmartStart IRA Certificate¹ effective August 12, 2019 (requires new money) – Open to “new members*” during their first 60 (sixty) days of membership, or to members that make a successful qualifying new membership referral/s** to the Credit Union. New members can open only one SmartStart Certificate or SmartStart IRA Certificate subject to (Direct Deposit in aggregate of $1,000*** per calendar month into a Credit Union checking account requirement).  Minimum balance to open any certificate at FIGFCU subject to Terms and Conditions and as disclosed on the Credit Union’s rate sheet and Truth In Savings Agreement.  This product is available as a non-IRA or IRA. 

Referring member is eligible for a SmartStart Certificate/s if they meet the Direct Deposit requirement (they can start within 60 days of qualifying new membership opening, or have, existing Direct Deposit). A referring member will have the option to open a SmartStart Certificate or receive the current referral bonus once the “Referred Member” has remained a member for 60 days. Referring member cannot receive both.  The qualifying referring member must open a Certificate using “new money****” and establishes the required Direct Deposit with the Credit Union. There is no limit to the number of SmartStart Certificates opened by a single member so long as the preceding qualifications of one qualifying membership per SmartStart Certificate along with Direct Deposit are met.  If the member wants to deposit funds in excess of $1,000.00 into a 12 month CD, the Credit Union will open another 12 month CD at the standard rate for the additional funds. $1,000 (one thousand) is the minimum and maximum amount to open the SmartStart Certificate. SmartStart Certificate 10% rate and 10.47% APY(Annual Percentage Yield). Bonus dividends will be treated as standard dividend postings to the share certificate account and available for withdrawal under the standard terms and conditions of the Share Certificate programs.

Penalties: A substantial penalty is imposed for failure to comply with the terms and conditions of the Credit Union’s certificate.  If certificate funds other than posted dividends are withdrawn before maturity date, there will be a standard forfeiture of dividends and/or principal in addition to the terms and conditions of the Share Certificate.  If the referring or the qualifying new member discontinues Direct Deposit, qualifying rates will be adjusted manually to the current standard rate. Early withdrawal penalty applies and  bonus amount can be forfeited, if bonus has already been withdrawn, the Credit Union reserves the right to recover fees from any share account held with the Credit Union and including the principal balance of the qualifying certificate.  Fees could reduce earnings and affect IRA distribution if applicable. Consult your tax advisor. These certificates will automatically renew to a non-promotional certificate upon maturity. Certificates maturing during the promotional period will not automatically renew to the promotional bonus and corresponding rate.  The promotional offer can be discontinued at any time without advanced notice. No online account opening. Accounts rollover to the standard 12-month Certificate at the time of maturity.

Members must call 800.877.2345 or visit one of the Credit Union’s convenient branch locations to verify eligibility and take advantage of these promotional rates on new qualifying certificates.

Member’s savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

To contact us, click here or call 800.877.2345.  This correspondence is sent by Farmers Insurance Federal Credit Union, 2255 N. Ontario Street Suite 320 Burbank, CA 91504

Smart Certificates¹ require new money (funds not currently on deposit with the Credit Union). *New member is a member who does not currently have a Credit Union membership or had a membership in their name within the last180 days. ** This SmartStart Certificate is not eligible for any additional bonus, i.e. “age bump, DDEP, etc.” ***Direct Deposit, ACH deposit, in aggregate of $1,000 per calendar month into a Credit Union checking account is necessary for the promotional rate to be applied to the qualified Certificate. If upon review it is found that either the qualifying member or the benefitting account holder is no longer eligible for promotional rate due to not meeting the Direct Deposit or membership requirements the Certificate rate will be adjusted to the then current Standard 12 month Certificate rate. Only referring party qualifies for SmartStart Certificate, employees, officials and their immediate family members are not eligible for bonus and cannot open SmartStart Certificates. .

Promotional rates and terms subject to change at any time.

We do business in accordance with the Federal Fair Housing Law and The Equal Credit Opportunity Act.

Farmers Insurance Federal Credit Union SMS Terms of Service

Farmers Insurance Federal Credit Union (FIGFCU) uses text messaging to communicate with members about Credit Union products, services, new promotions, and informational alerts. You can cancel the SMS service at any time. Just text "STOP" to FIGFCU. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, or change your contact number, just sign up as you did the first time and we will start sending SMS messages to you again. If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at 800.877.2345. Carriers are not liable for delayed or undelivered messages. As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency will vary. If you have any questions about your text plan or data plan, it is best to contact your wireless provider. FIGFCU does not charge for the use of SMS, but standard text messaging and mobile phone rates from your wireless provider may still apply. Apple, the Apple logo, iPhone, iPad, iPod, and iTunes are trademarks of Apple, Inc., registered in the U.S. and other countries. Android is a trademark of Google, registered in the U.S. and other countries. If you have any questions regarding privacy, please read our privacy policy: https://figfcu.org/privacy-policy.

*APR = annual percentage rate. Rates include discounts for Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction. Rates are subject to change at any time.

**New Members/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member.

Eligible “Member” must open a qualified bonus account with a minimum qualifying deposit/loan in new money to the Credit Union within 10 days of joining the Credit Union. Bonus will be paid by the 20th day of the following month after qualifying activities are completed. Bonuses will be paid for the following:

$50 Checking and Direct Deposit Bonus: Eligible “New Member” must open a Checking account within 10 days of joining the Credit Union, and posted an ACH Direct Deposit amounting to a minimum of $1,000 per calendar month into the Checking account no later than 45 days after joining the Credit Union. The ACH Direct Deposit must occur for 2 (two) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. The “New Member” must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account.

Promotion is available starting July 1, 2024 until further notice. Offer availability subject to change.

Bonus recipient must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account. Bonus recipient must be at least 18 years of age, able to open an active membership in good standing and not have caused a loss to the Credit Union.

“Bonus” is considered interest and will be reported to the IRS.

*Rate discount of up to 0.50% is made up of a 0.25% discount for automatic payments and a 0.25% discount after the first 48 consecutive on-time monthly payments. The student must always be the primary borrower on the loan. Co-signer release may be requested after the first 48 consecutive on-time monthly payments. $1,000 minimum loan amount. Institution and proposed program subject to lender approval. This is a variable rate loan subject to additional terms and conditions, and lifetime aggregate loan limits apply.

**Grace period is 6 months after graduation or dropping below half-time enrollment before payments have to be made. No grace period for consolidation loans.

Graduate/Undergraduate Loans: Grace period is 6 months after graduation or dropping below half-time enrollment before payments have to be made. $1,000 minimum loan amount. Institution and proposed program subject to lender approval. Rates are determined by using the 3-month LIBOR index + a spread. The LIBOR rate is adjusted quarterly. Maximum loan amounts are cost of attendance less other aid received, as certified by the member’s school. Lifetime aggregate loan limits apply. School is notified immediately after credit approval so it can certify your enrollment and let us know when the disbursements are needed. Funds are sent directly to the school on your behalf.

Consolidation Loan: Interest Rate Index-Interest rates range from 1-month LIBOR plus 5% to 10%. The LIBOR rate is adjusted quarterly. Origination Fee-The origination fee ranges from as low as 0% up to 6%. Interest Capitalization--Interest accrues from disbursement and is capitalized once at repayment. The borrower or co-signer is welcome to pay the interest each month with no penalty. Loan Amount--There is a $7,500 minimum loan amount. Maximum loan amount is $180,000. Repayment Options--Immediate repayment of principal and interest. Repayment Term--There is a repayment term of up to 15 years which begins when the loan is disbursed. Grace Period--There is no grace period. Repayment will begin 30 to 60 days after disbursement.

 

Farmers Insurance Federal Credit Union (Sponsor) SWIPE-TO-WIN SWEEPSTAKES

November 1, 2024 to January 31, 2025

(Official Rules)

NO PURCHASE NECESSARY TO ENTER OR WIN. ENTRY IN THIS CONTEST DRAWING CONSTITUTES YOUR ACCEPTANCE OF THESE OFFICIAL RULES.

1. Eligibility: To be eligible to enter, you must: (a) be eighteen (18) years or older at the time of entry, (b) a Member of Farmers Insurance Federal Credit Union (FIGFCU) in good-standing, (c) be a FIGFCU Credit Card account owner. Void in Puerto Rico, U.S. territories, U.S. military installations located in foreign countries, and where prohibited by law. Employees and representatives of Farmers Insurance Federal Credit Union (FIGFCU), subsidiaries, advertising, and promotional agencies, any prize provider, and any entity involved in the development, production, implementation, fulfillment, or administration of the 2024 “Swipe-To-Win” Sweepstakes and their immediate family members and persons living in the same household, are not eligible to participate or win. Sponsor reserves the right to verify eligibility at any time.

2. How to Enter: There are two (2) ways to enter: 1. Use a FIGFCU Credit Card for eligible purchases/swipes. Selection of submission at the Sponsor’s discretion. Entries will not be acknowledged.  2. Alternatively, participants can also enter by mailing in a 3” X 5” card with name, Member number, address, phone number, game name, and date they are participating in, placing the card in a sealed envelope addressed to FIGFCU, 2255 North Ontario Street Ste. 320, Burbank, CA 91504, Attn: Swipe-To-Win SWEEPSTAKES 2024. There can only be one card per envelope). FIGFCU is not responsible for late, lost, stolen, misdirected, mutilated, or postage-due mail. Illegible/incomplete or machine-generated entries will be disqualified. If the applicant needs accommodations with regard to the mailed entry, please contact FIGFCU’s Card Services at (800.877.2345, and the Credit Union will make appropriate accommodations for the applicant. The eligible Credit Card purchases/swipes and the receipt of mailed cards must occur between November 1, 2024 and January 31, 2025.

3. Conduct: By entering the Sweepstakes, entrants agree to comply with and be bound by these Official Rules. Failure to comply with these Official Rules will result in disqualification from the Sweepstakes. Entrants further agree to comply with and be bound by decisions of Sponsor, which shall be final in all respects. Sponsor reserves the right at its sole discretion to disqualify any individual it finds to be violating the terms of service, conditions of use, and/or general rules or guidelines of any Sponsor property or service.

4. Prizes: Four (4) winners will be chosen randomly by chance from qualified purchases/ transactions, and mailed entries at random. (Mailed entries will be converted to an electric format by the Credit Union so that they will have the same chance to be selected from the same pool of entries as all other entries.) Prizes will be awarded by February 28, 2025, with prize money to be posted as a statement credit to the account of the FIGFCU Credit Card account owner on or before the March 30, 2025, statement cycle into the winner’s FIGFCU Credit Card account. No substitutions or substitute redemptions will be made. Expenses not specifically stated above, together with the reporting and payment of all applicable taxes, fees, and/or surcharges, if any, arising out of, or resulting from, acceptance or use of a prize, are the sole responsibility of the winners. Restrictions, conditions, and limitations apply. Sponsor will not replace any lost or stolen prize items. Sponsor will pay for delivery within the UNITED STATES. Each card transaction/swipe of a FIGFCU Credit Card between October 1, 2023, and January 31, 2024, is an entry to the sweepstakes. There is no limit to the number of entries per person. Winners will be randomly picked for the following prizes on the following dates: $1,000 (one thousand dollars) sweepstakes winner November 30, 2024; $1,000 (one thousand dollars) sweepstakes winner December 31, 2024; $1,000 (one thousand dollars) sweepstakes winner January 31, 2025; $2,000 (two thousand dollars) sweepstakes grand prize winner February 28, 2025. Prizes are to be awarded as a statement credit.

5. Winner Selection and Notification: Odds of winning will be determined by the total number of eligible entries received/submitted. It is estimated that the odds of winning each prize is dependent upon the number of entries received. Each prize winner will be required to sign and return an Affidavit of Eligibility before credit is given. If any prize winner does not sign and return an Affidavit of Eligibility so that the Credit Union receives it within twenty (20) days of its being sent by Federal Express (or if the winner has signed up for eNotices by email), another winner will be randomly selected.

6. Winners List: The names of the prize winners may be obtained after February 28, 2025, by sending a self-addressed stamped envelope to: FIGFCU, 2255 North Ontario Street Ste. 320, Burbank, CA 91504, Attn: Swipe-To-Win Contest 2024.

Sponsor: Farmers Insurance Group Federal Credit Union, 2255 North Ontario Street Ste. 320, Burbank, CA 91504. Phone number: 800.877.2345. FIGFCU is the operator of this Sweepstakes and is solely responsible for the fulfillment of all prizes.

 

*Free first box of checks (corporate logo style checks only)

**No monthly service charge for active accounts (must have at least one transaction every 30 days, otherwise a $5 inactivity fee applies)

Privilege Pay is not available for Teen accounts.

An initial deposit of $20 is required to open any Teen Checking Account. Account will earn a $5 (five dollar) reward and is eligible for up to $10 (ten dollars) in ATM surcharge rebates per statement cycle subject to the following: 1) $1,000 (one thousand dollars) monthly minimum direct deposit, 2) eStatements, and 3) 10 Debit Card Point of Sale (PIN and Signature based) posted transactions using the Farmers Insurance Federal Credit Union Debit Card. Posted transactions count toward monthly minimums. Additional restrictions apply: I must be a Member in good standing with a valid email address on file with the Credit Union. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to the account. At the time of the statement cycle date you will verify the combined products and services used since the previous cycle date to determine the qualification for the $5 reward and the eligibility for the ATM surcharge rebate. In the event that my monthly $1,000 ACH Direct Deposit credit does not come in for a 60 day period, the loan discount and the rate bump-up on the certificate will also be discontinued. CashBack reward amount may be found at the Credit Union’s website, verified at a Credit Union Branch or by calling 800.877.2345. Rewards, ATM surcharge rebate amounts and eligibility criteria are subject to change at any time. Fees may reduce earnings. Accounts with one calendar month of no activity will be assessed an inactivity fee of $5.

 

Farmers Insurance Federal Credit Union (Sponsor) “Member Testimonial Contest 2024” Official Rules

NO PURCHASE NECESSARY TO ENTER OR WIN. ENTRY IN THIS CONTEST DRAWING CONSTITUTES YOUR ACCEPTANCE OF THESE OFFICIAL RULES.

1. Eligibility: To be eligible to enter, you must: (a) be a legal resident of the United States, (b) be (18) years or older at the time of entry. Void in Puerto Rico, U.S. territories, U.S. military installations located in foreign countries, and where prohibited by law. Employees and representatives of Farmers Insurance Federal Credit Union (FIGFCU), subsidiaries, advertising and promotional agencies, any prize provider, and any entity involved in the development, production, implementation, fulfillment or administration of the "Member Testimonial Contest" and their immediate family members and persons living in the same household, are not eligible to participate or win. Sponsor reserves the right to verify eligibility at any time.

2. How to Enter: Participation in the “Member Testimonial Contest 2024” takes place April 8 – April 23 10:00 AM PST. Submit your “Member Testimonial” on Farmers Insurance Federal Credit Union’s Member Testimonial webpage during entry dates for a chance to win one of five $100 prizes. No purchase necessary, one entry per person, enter by mailing in a 3 X 5 card with hand written name, address, and phone number, placed in a sealed envelope addressed to FIGFCU, Attn: “Member Testimonial Contest 2024”, 2255 North Ontario Street, Ste. 320, Burbank, CA 91504. FIGFCU is not responsible for late, lost, stolen, misdirected, mutilated or postage due mail. Illegible/incomplete or machine generated entries will be disqualified.

Only one entry per person: All entries become the property of Sponsor, and none will be acknowledged or returned.

3. Conduct: By entering the Contest, entrants agree to comply with and be bound by these Official Rules. Failure to comply with these Official Rules may result in disqualification from the contest. Entrants further agree to comply with and be bound by decisions of Sponsor which shall be final in all respects. Sponsor reserves the right at its sole discretion to disqualify any individual it finds to be violating the terms of service, conditions of use and/or general rules or guidelines of any Sponsor property or service.

4. Prize: FIGFCU will award five (5) $100 awards, winning proceeds will be deposited into member's Membership Savings account by 05/03/2024. Odds of winner are dependent on the number of submissions and number of eligible entries received.

No substitutions or redemptions will be made. Expenses not specifically stated above, together with the reporting and payment of all applicable taxes, fees, and/or surcharges, if any, arising out of, or resulting from, acceptance or use of a prize, are the sole responsibility of the winner. Restrictions, conditions, and limitations apply. Sponsor will not replace any lost or stolen prize items. Sponsor will directly deposit the Contest Prize to winners FIGFCU Membership Savings account or pay for standard delivery postage for shipping within the UNITED STATES to any winner if needed.

5. Winner Selection and Notification: Winners will be notified via email or telephone. Odds of winning will be determined by the total number of eligible entries received/submitted. Prize winners may be required to sign and return an Affidavit of Eligibility.

6. Winners List: The names of the prize winners may be obtained after May 3, 2024 by sending a self-addressed stamped envelope to: FIGFCU Attn: “Member Testimonial Contest 2024 Winner”. 2255 North Ontario Street, Ste. 320, Burbank, CA 91504.

Sponsor: Farmers Insurance Federal Credit Union, 42255 North Ontario Street, Ste. 320, Burbank, CA 91504. Phone number: 800.877.2345 is the operator of this Contest and is solely responsible for the fulfillment of all prizes.

Trust & Will is a nonbanking service offered by a third party and not by Farmers Insurance Federal Credit Union. Farmers Insurance Federal Credit Union is not responsible for the service. This is not to be construed as a referral for legal services or an attempt by Farmers Insurance Federal Credit Union to in any manner endorse or guarantee legal services provided by any individual or firm.

*Discount applies to TurboTax federal products only (no state products). Offer cannot be combined with any other TurboTax offers. Actual prices are determined at the time of print or e-file and are subject to change without notice. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Offer not valid for Intuit TurboTax Verified Pros. Visit https://turbotax.intuit.com/affiliate/invest3 for complete details.

**H&R Block Offer: H&R Block Offer: void if sold, purchased, or transferred and where prohibited. No cash value valid at participating U.S. offices only A new client is an individual who did not use H&R Block or Block Advisors office services to prepare their 2023 tax return. Discount valid only with or for preparation of an original 2024 personal Income tax return. Coupon must be presented prior to completion of initial tax interview. Discount may not be combined with any other offer or promotion. Expires October 15, 2025. OBTP# 13696-BR ©2024 HRB Tax Group, Inc. All tax situations are different. Not everyone gets a refund. See hrblock.com/guarantees for complete details.

†The Love My Credit Union Rewards Tax Time Sweepstakes is being offered to all credit unions and their members and employees that participate in the LMCUR Tax Services program. The sweepstakes starts January 1, 2025 and runs through April 15, 2025. Members and employees have the opportunity to win $1,000 monthly prizes in Jan, Feb, Mar, and Apr and the grand prize of $10,000. The sweepstakes entry form is located on the Tax Services landing page at https://taxservices.lovemycreditunion.org. There is no purchase necessary and the sweepstakes is open to legal residents of the 50 united states (D.C.) who are 18 years or older and who are members or employees of a U.S. credit union as of December 31, 2024. Members and employees may enter once using a valid email address. Sweepstakes ends April 15, 2025. Click here for Official Rules, prize descriptions and odds disclosure.

Variable Rate Certificate 36-Month Term (Variable Rate Certificate) No additional deposits accepted (other than dividends) during certificate term renewals. Fund your account with a minimum deposit of $1,000. Annual Percentage Yield (APY) rate is based on current Federal Funds Rate Upper Limit of {@VARIABLE_RATE_CERTIFICATE} APY plus a 0.25% spread. Yield rate is {@VARIABLERATE_CERTIFICATE_36MONTHS} APY. Base rate is {@VARIABLERATE_CERTIFICATE_36MONTHS_APR} APR. Rates are subject to change on the first day of each calendar month following account opening. No bonus dividends (no jumbo bonus and no DDEP bonus). At maturity, account renews into the same product: Variable Rate Certificate 36-Month Term renews into a Variable Rate Certificate 36-Month Term; Variable Rate IRA 36-Month Term renews into a Variable Rate IRA 36-Month Term. Early withdrawal penalties may be imposed and fees could reduce earnings and/or principal. APY interest rate will follow the Federal Funds Rate Upper Limit. Rates are subject to change on the first day of each calendar month following account opening. Rates are subject to change without notice. Rate may not be combined with any other rate increase/bonus. Regular share certificate requirement on a 365 day basis. IRAs qualify for Variable Rate Certificate. Minimum balance to obtain the available rates for Variable Rate Certificate 36-Month Term advertised annual percentage yield is $1,000. Fund your account with a minimum deposit of $1,000. Early withdrawal penalties may be imposed and fees could reduce earnings and/or principal. Refer to our TISA Disclosure for terms and conditions. Federal regulations require dividends be paid from available earnings; dividends are contingent upon this regulation. 

†APR=Annual Percentage Rates. Rates shown are our preferred rates based on credit worthiness and a {@DDEP_RATE} Auto Loan discount for a minimum of $1,000 monthly Direct Deposit or full Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction as a repayment method to qualify. Rates and terms are subject to credit approval. Other rates and terms are available. Other restrictions may apply. Financing available up to 130% of the Purchase Price, including tax, license, warranties and negative equity on a trade for qualified borrowers. Please speak with a Loan Representative for complete details and qualifying criteria. Rates and terms are subject to credit approval, are subject to change at any time and without notice. All values are determined by the Credit Union using either vehicle cost or Kelly Blue Book/NADA, whichever is lower. Other rates and terms are available.

New Debit Cardholder Swipes

Checking Accounts opened between Nov 1 and Dec 31 will earn $25 (twenty-five dollars) for accounts with 10+ debit card transactions during the period of November 1 – 30, 2020. And an additional $25 (twenty-five) for checking accounts with 10+ debit card transactions during the period of December 1 – 31, 2020. Bonuses will be paid out by January 31, 2021. Limit of one reward per member number. Qualifying transactions must “post” to the designated account during the promotional period. All purchase swipes using FIGFCU Visa Debit Card, whether transacted as “credit” / signature based or using the PIN based transaction will qualify towards the 10+ transaction count. ATM transactions will not qualify. Transactions may take two business days from the date of purchase to post. Member must be in good standing to be eligible for bonus. New accounts are subject to FIGFCU approval and all other terms and conditions apply. This offer valid only for individual account/card holders, is non-transferable and cannot be combined with any other offer. Awards may be subject to IRS reporting requirements. Recipients are responsible for income tax liability if applicable. Visa is a registered trademark.

$100 Bonus for New Credit Cards for: Crystal Visa, Visa Select & Visa Platinum: A $100 (one hundred dollars) bonus will be paid in the form of “Visa Statement Credit” when at least $5,000.00 (five thousand dollars) is spent in purchases within the first 3 months (qualifying period) of the “New” Visa card opening. Bonuses will be paid out within 90 days after the qualification period. Example: If a card is activated on January 1, 2021 and the total of qualifying purchases for the months of January, February and March is at least $5,000, the primary borrower will receive a Bonus of $100 (one hundred dollars) no later than July 1, 2021.  Limit of one reward/bonus per member number. Qualifying transactions must “post” to the designated account during the qualified period. All qualifying purchases will count towards the $5,000 in spent purchases unless return for credit of any of the qualifying transactions takes place within 90 days of the end of the qualifying period. Transactions may take two business days from the date of purchase to post. Member must be in good standing to be eligible for bonus. New accounts are subject to FIGFCU approval and all other terms and conditions apply. This offer is valid only for individual account /card holders, is non-transferable and cannot be combined with any other offer. The $100 Bonus is a product promotion sponsored by FIGFCU and may be discontinued at any time. Visa is a registered trademark.

+APR = annual percentage rate. Rates include discounts for Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction. Rates are subject to change at anytime.

Visa Platinum® Credit Card Zero Percent (0%) Introductory Rate Promotion    (Effective December 21, 2020)

Zero Percent (0%) Introductory Rate Promotion for purchases, is offered for new FIGFCU Visa Platinum Credit Card account holders. This incentive offer, is not available to those members who are opening a new Visa Platinum® and had an outstanding balance or a closed FIGFCU Zero Percent Loan account and/or had any FIGFCU Visa® Credit Card within the last year. If you are in an introductory rate promotion period, you are not eligible to transfer other loan balances, line of credit balances, credit card account balances or CASH Advance to take advantage of the introductory rate promotion.

The program promotion may be modified, suspended or cancelled or may be changed at any time without notice and without restriction or penalty. Farmers Insurance Federal Credit Union reserves the right to change the promotion rates and program retention period from time to time. You will be notified of any expiration or program changes as required by law. Contact Farmers Insurance Federal Credit Union for details on applicable conversion to current rate and payment options which are then in effect. At Farmers Insurance Federal Credit Union's sole discretion, the program offering of the program may be terminated, for any reason, including but not limited to a “Rules Violations”, your Farmers Insurance Federal Credit Union account is not in good standing or is suspected of fraud, or if you move to another Farmers Insurance Federal Credit Union credit card.

This program is void where prohibited or restricted by law. You are responsible for any federal, state, or local taxes.

Effective Offering Dates: Promotion period for Zero Percent (0%) introductory is effective for FIGFCU Visa Platinum® Credit Cards opened beginning December 21, 2020through “until further notice”.

Loss of Introductory APR: We may end your introductory APR and/or apply the Penalty APR if you make a late payment or are Over limit.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Billing Rights section of the Visa® Credit Card Agreement.

Introductory rate and incentive offers for new Visa Platinum®, are not available to those members who had an outstanding balance on a preexisting or closed FIGFCU Visa Credit Card account and/or had an FIGFCU Visa Credit Card within the last 12 (twelve)  months. If you are in an introductory rate promotion, you are not eligible to increase limits until the introductory rate promotion has expired.

TERMS AND CONDITIONS The introductory Annual Percentage Rate (APR) Zero Percent (0%) will apply to purchases made during a promotional period of 6 (six) months from the date of opening of your Visa account. After this promotional period ends, 6 (six) months from the date of activation of your Visa account, your standard APR will apply to any remaining balance and to all new purchases and balance transfers. The terms of this introductory rate may not be applied to existing Farmers Insurance Federal Credit Union Visa accounts.

This promotional introductory offer is based on meeting Farmers Insurance Federal Credit Union’s criteria for creditworthiness. Farmers Insurance Federal Credit Union will review your credit and employment history and any other information permitted by law to process your application. The credit line on this account will be determined after a credit review of your application by Farmers Insurance Federal Credit Union and will be based on various factors, including income. FIGFCU maintains the right to not open this account if: a) the information provided is incomplete, inaccurate or cannot be verified, or if you do not meet Farmers Insurance Federal Credit Union’s standards for creditworthiness; b) your name and/or mailing address on the credit application have been altered; c) the income you reported on the application is insufficient to support the opening of this account; or d) you do not meet Farmers Insurance Federal Credit Union’s membership eligibility or “member in good standing” requirements. You have the right to review your credit history by contacting the appropriate credit reporting agencies.

Change in APRs, Fees and Other Terms: Farmers Insurance Federal Credit Union may change the APRs, fees and other terms of your account at any time in accordance with applicable law including the Credit Card Act and the Visa Credit Card Agreement. Factors we may consider in determining whether and how to change your terms include, but are not limited to, a late payment or an extension of credit that exceeds the credit limit, the frequency and severity of defaults and other indications of risk on accounts with Farmers Insurance Federal Credit Union and other creditors. To the extent allowed by law, the change in terms will affect all outstanding balances. If we increase your APRs, the new APRs will apply only to new transactions you make after we notify you of the change in writing unless it is for default in terms as outlined above.

*New Members/New Account must use a valid “promo/promotional” code at signup/account opening to be eligible to receive the bonus. Offer not available to existing FIGFCU Members. Offer cannot be combined with any other new member offer and is limited to one bonus per account and per Member.

Eligible “Member” must open a qualified bonus account with a minimum qualifying deposit/loan in new money to the Credit Union within 10 days of joining the Credit Union. Bonus will be paid by the 20th day of the following month after qualifying activities are completed. Bonuses will be paid for the following: 

$50 Direct Deposit Bonus: Eligible “New Member” must open a Checking account within 10 days of joining the Credit Union, and posted an ACH Direct Deposit amounting to a minimum of $1,000 per calendar month into the Checking account no later than 45 days after joining the Credit Union. The ACH Direct Deposit must occur for 2 (two) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. The “New Member” must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account.

$50 Savings/Deposit Bonus: Eligible “New Member” must open a qualified savings/deposit account with a minimum deposit of $10,000 (ten thousand dollars) in new money to the Credit Union within 10 days of joining the Credit Union. At least $10,000 must stay in the deposit account for 2 (two) consecutive months before bonus is paid. Bonus will be paid by the 20th day of the following month. The “New Member” must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account. 

$50 Signature Loan Bonus: Eligible “New Member” must open a qualified Signature Loan or Line of Credit (LOC) account with a minimum loan balance of $10,000 (ten thousand dollars) within 10 days of joining the Credit Union. LOC must draw/advance line within the first 60 days of account opening. Bonus will be paid by the 20th day of the following month. The “New Member” must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account.

Promotion is available starting July 1, 2024 until further notice. Offer availability subject to change.

Bonus recipient must have an active primary savings account at the time of the bonus payout; bonus will be posted to the primary savings account. Bonus recipient must be at least 18 years of age, able to open an active membership in good standing and not have caused a loss to the Credit Union.

“Bonus” is considered interest and will be reported to the IRS. 

**An initial deposit of $20 is required to open any Checking Account. High Yield Checking is an interest earning checking account eligible for up to {@HIGH_YIELD_CHECKING_UP_TO_5K_RATE} APY interest on the average daily balance in the checking account up to $5,000 (five thousand dollars) and 0.20% APY on balances over $5000. Dividends are calculated by applying a periodic rate to the Average Daily Balance in the account for the Dividend period. High Yield Checking will earn up to {@HIGH_YIELD_CHECKING_UP_TO_5K_RATE} APY interest and is eligible for up to $10 (ten dollars) in ATM surcharge rebates per statement cycle subject to the following: 1) $1,000 (one thousand dollars) monthly minimum direct deposit, 2) eStatements, and 3) 10 Debit Card Point of Sale (PIN and Signature based) posted transactions using the Farmers Insurance Federal Credit Union Debit Card. Posted transactions count toward monthly minimums. Interest earned will be credited to the account at the end of the statement period. Additional restrictions apply: I must be a Member in good standing with a valid email address on file with the Credit Union. Qualifying transactions must post and clear the account during the monthly qualification cycle. Should the account not qualify for ATM surcharge rebates and/or the {@HIGH_YIELD_CHECKING_UP_TO_5K_RATE} APY interest, and for balances in excess of $5,000, the account will earn 0.20% APY (twenty basis points) on the checking account balance. Transactions may take one or more business days from the transaction date to post to the account. At the time of the statement cycle date you will verify the combined products and services used since the previous cycle date to determine the qualification for the {@HIGH_YIELD_CHECKING_UP_TO_5K_RATE} interest and the eligibility for the ATM surcharge rebate. In the event that my monthly $1,000 ACH direct deposit credit does not come in for a 60 day period, the loan discount and the rate bump-up on the certificate will also be discontinued. Current interest rates and the annual percentage yield may be found at the Credit Union’s website, may be verified at a Credit Union Branch or by calling 800.877.2345. Interest rates earned, ATM surcharge rebate amounts and qualifying dollar amounts for interest earned are subject to change at any time. APYs, ATM surcharge rebate amounts and eligibility criteria are subject to change at any time. Fees may reduce earnings. Accounts with one calendar month of no activity will be assessed an inactivity fee of $5.

Rate bonus is for a minimum of $1,000 monthly ACH Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account. Rates are subject to change at any time.

†APY = Annual Percentage Yield. APY is the annualized rate based on a compounding period of one year. When the deposited money earns dividends and the accumulated dividends starts earning dividends as well, we are talking about compounding. Fees could reduce the earnings on an account. All yields except Certificate yields are subject to change retroactively to the beginning of the month.

Rate bonus is for a minimum of $1,000 monthly ACH Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account. Rates are subject to change at any time. No branch or call center access with this account.

‡APR = Annual Percentage Rate. APR is the annual rate of interest that is paid on an investment, without taking into account the compounding interest within that year. Rates are subject to change at any time. {@CERTIFICATE_SECURED_LOAN_APR} rate discount is for a minimum of $1,000 monthly ACH Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction as a repayment method to qualify. Rates are subject to change at any time.

Visit figfcu.org/cashback-checking and figfcu.org/high-yield-checking for complete disclosures. Rewards, APYs, qualifying dollar amounts for dividends earned, ATM surcharge rebate amounts and eligibility criteria are subject to change at any time. Fees may reduce earnings.

Rates discount is for a minimum of $1,000 monthly Direct Deposit into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction as a repayment method to qualify. Rates are subject to change at anytime.

Zero Percent (0%) Introductory Rate Promotion for purchases, is offered for new FIGFCU Select Visa®, Crystal Visa®, and Visa® Platinum Credit Card account holders. This incentive offer, is not available to those members who are opening a new FIGFCU Visa and had an outstanding balance or a closed FIGFCU Zero Percent Loan account and/or had any FIGFCU Credit Card within the last year. If you are in an introductory rate promotion period, you are not eligible to transfer other loan balances, line of credit balances, credit card account balances or CASH Advance to take advantage of the introductory rate promotion. For full disclosures visit, figfcu.org/credit-cards.