Checking And Auto Loans In Round Rock

1Round Rock New Member Bonus: Eligible

“New Member” will receive a bonus in the amounts stated, subject to the following: 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 or Referral offer and is limited to one bonus per account and per Member.

In order to be eligible, the “New Member” must be an individual who is at least 18 years of age; is within the Credit Union’s Field of Membership who becomes a new qualified Member. The New Member cannot currently or previously have been a Member of the Credit Union. The New Member must open a qualified bonus account with a minimum qualifying deposit with new money and/or apply for a new qualifying loan from the Credit Union within 10 days of joining the Credit Union. The New Member must remain a Member for at least 60 days in order for the bonus to be paid. In order to qualify for a Bonus under this Promotion, the New Member must at all times, from the time the individual becomes a Member of the Credit Union until the bonus is paid, be a Member in good standing and not in breach of any Credit Union policy or agreement with the Credit Union. Accounts must be opened by May 31, 2026 to be eligible.

This offer is not available to individuals who are already existing Credit Union Members. This offer cannot be combined with any other New Member or Referral offer and is limited to one bonus per account per new Member.

There are different ways to qualify for a bonus. The eligible New Member must fully comply with one of the following to qualify:

Checking and Direct Deposit Bonus: In order to qualify for a bonus, the eligible New Member must open a FIGFCU Checking (share draft) account within 10 days of joining the Credit Union, and post Eligible Direct Deposits into the Checking account during the “Direct Deposit Bonus Period”.

The Direct Deposit Bonus Period begins when the eligible Referred Member opens a new Credit Union Checking (share draft) account and ends 60 calendar days after account opening. The bonus amount will be based on the total amount of Eligible Direct Deposits received during the Direct Deposit Bonus Period.

$200 Bonus for Eligible Direct Deposits with a cumulative total of $2,000 or more received through at least 2 eligible Direct Deposits, made on different days, during the Direct Deposit Bonus Period. Once the Direct Deposit Bonus Period has passed, the Credit Union will determine if the eligible New Member has met the offer requirements and if the New Member qualifies, will thereafter deposit any earned bonus within 45 calendar days. The New Member must have an active Membership savings account at the time of the bonus payout. The bonus will be posted to the Membership savings account.

Eligible Direct Deposit means a recurring deposit of regular income to a Member’s FIGFCU Checking (share draft) account, from payroll, pension, or government benefit payments (e.g., Social Security), made by the Member’s employer, payroll, benefits provider, or government agency (“Eligible Direct Deposit”) via the Automated Clearing House (“ACH”) Network.

Deposits that are from check deposits, peer-to-peer transfers (e.g., transfers from PayPal, Venmo, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), bank ACH funds transfers, wire transfers, or are non-recurring in nature (e.g., IRS tax refunds), do not qualify as Eligible Direct Deposits.

OR

Home Equity Loan Bonus: In order to qualify for a bonus the eligible New Member must open a FIGFCU Checking (share draft) account within 10 days of joining the Credit Union.

In order to qualify for a bonus the eligible New Member must apply for a qualified Home Equity Loan or Line of Credit (HELOC) account with a minimum loan balance of $50,000 within 10 days of joining the Credit Union. The New Member must take a qualifying advance of at least $50,000 from the HELOC within 60 days of becoming a Member of the Credit Union. The eligible New Member must remain a Member in good standing for at least 60 days before bonus is paid. After 60-day membership period has passed, FIGFCU will determine if the eligible New Member has met the offer requirements, and if the requirements are met will thereafter deposit any earned bonus within 45 calendar days. The New Member must have an active Membership savings account at the time of the bonus payout. The bonus will be posted to the Membership savings account.

$100 bonus for loan account balances totaling $50,000 – $99,999 at the time the account is first opened; HELOCs must take a qualifying advance of at least $50,000 from the HELOC within first 60 days of membership.

$250 bonus for loan account balances totaling $100,000 or more at the time the account is first opened; HELOCs must take a qualifying advance of at least $100,000 from the HELOC within first 60 days of membership.

Offer valid starting November 1, 2025 through May 31, 2026. Accounts must be opened by May 31, 2026 to be eligible. Offer subject to change or termination at any time without prior notice. Membership eligibility required. Federally insured by NCUA.

Whether the New Member qualifies for a Bonus will be in the Credit Union’s sole discretion. Bonuses may be reported on IRS Form 1099-INT, and the member is responsible for any taxes incurred. The above bonuses are not available to FIGFCU’s Board of Directors, Officers, Employees, their immediate family members, and members of their households.

2The Zero-Fee Checking Account has no monthly maintenance fees and does not require a minimum balance. There are no overdraft or non-sufficient funds (NSF) fees, and in-network ATMs are free to use. While we do not charge fees for out-of-network ATMs, the ATM owner or network may apply a fee. Account holders receive a free debit card, free access to online and mobile banking, and the ability to set up direct deposits at no cost. Paper statements are available upon request, and optional services such as, stop payments, wire transfers, replacement debit cards (rush cards), foreign transactions, dormant account may incur charges. Other fees including return item fees also apply. Please refer to the Credit Union’s Service Charges and Fees schedule located in the Truth-In-Savings Disclosure for all other fees and charges. Deposits, including direct deposits and cash, are generally available immediately, while check deposits are typically available the next business day or may be longer depending on check holds, if applicable. This account is designed to prevent overdrafts past the allowable limits. Transactions that would overdraw your account may be declined. There are no overdraft fees for ATM or one-time debit card transactions. Deposits are insured up to applicable limits by the NCUA. The Zero-Fee Checking Account provides simple, low-cost access to your funds with transparency and no fees for overdrafts, in-network ATM fees, and monthly maintenance fees.

3An initial deposit of $20 is required to open a CashBack 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: You 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 your monthly $1,000 ACH Direct Deposit credit is not received by the Credit Union for 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.

4An initial deposit of $20 is required to open a High Yield 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: You 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% APY interest and the eligibility for the ATM surcharge rebate. In the event that your 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 on 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.

5APR = Annual Percentage Rate. Rates are subject to change at any time. Rates shown include a 1.00% 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 as a repayment method to qualify. 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 02/01/2026 and are subject to change without notice. Farmers Insurance Federal Credit Union: NMLS# 408877.