Savings

We offer products and services just like a traditional bank but, unlike a bank we are not for profit. Service to our members is our goal and everything we do or offer is designed to help you meet your financial needs.

We offer a variety of unique savings programs and accounts for members.

Our Swipe & Save, Golden Year, Matrimoney, Christmas Club and Vacation Club programs are just some of the programs we offer to make it easy for our members to reach their specific goals.


Swipe & Save

With this account, you will always earn a much higher dividend rate than our regular savings account. Each time you use your Visa debit card, the purchases are rounded to the nearest dollar and the money is transferred from your checking account to your Swipe & Save savings account. For example, if you purchase something for $5.58, the $5.58 will come out of your checking account and so will 42 cents ($6.00 minus $5.58) which will go over to the swipe and save account. You may not make deposits to this account other than through the round up from your Visa debit card purchases.

If your Visa debit card purchase is subsequently cancelled or reversed, such as a returned purchase, the corresponding daily round-up transfer will remain in the Swipe & Save savings account. Credit transactions or adjustment transactions will not be rounded-up.

To see the most current rate for Swipe and Save savings account view the Rate Schedule.

Use your Visa debit card at the stores you visit every day and save: With the exclusive Merchant Offer Program, you can find great offers from hundreds of merchants. View Visa’s Special Offers for more information.

Email us securely or call us at 850-488-6781 and we will set you up.


Christmas Club

Consider FLAG your own personal elf with our Christmas Club account. Make managing the expense of the holidays a year-round effort and take the pressure off of yourself during the holiday season with this account.

Save throughout the year and we will automatically send you a check (or make a deposit to your savings or checking account) during the first week of October for the deposits and dividend postings made to the account from October 1 through September 30. Keep in mind that this is a Christmas account, so Santa will not allow you to make any withdrawals prior to the first week in October. If you make a withdrawal prior to the first week of October, the account must be closed and an early closure fee will be applied. You will not be eligible to re-open this account until the next enrollment date, October 1st. Members may deposit an annual maximum of $5,000 into a Christmas Club from October 1 to September 30.

You may open a Christmas Club at anytime during the year by simply e-mailing or calling the Credit Union.  You may make deposits through payroll deduction, direct payment, automatic transfer from another account, by mail or over the counter. There is there is no minimum deposit required.


Golden Year

Members 55 years and above are eligible for our Golden Year Club perks.
Enrollment privileges include:

  • Fee FREE Home Banking, Bill Pay, Phone Banking & Visa Debit Card
  • Fee FREE Teller Checks, Cashier’s Checks & Money Orders
  • $5.00 off check printing costs

Enrollment in this account is not automatic so, when you reach 55 years of age or older, let us know.


Vacation Club

The perfect trip can be costly. Start saving for your next vacation with a little help from FLAG and open a Vacation Club account.

You can make deposits through payroll deduction, direct payment, automatic transfer from another account, by mail, or in person. There is there is no minimum deposit required.

With a Vacation Club account, saving pays off. We will automatically send you a check (or make a deposit to your savings or checking account) during the first week of May for all deposits and dividend postings made to the account from May 1 through April 30 each calendar year.

You may open a Vacation Club account at anytime during the year by simply calling or e-mailing the Credit Union.

If you make a withdrawal prior to the first week of May, the account must be closed and an early closure fee will be applied. You will not be eligible to re-open this account until the next enrollment date, May 1st.


MatriMoney

Make the most of your wedding gifts with MatriMoney.

MatriMoney is an interest-bearing savings account that allows individuals to give monetary gifts to the bride and groom.

Account Benefits

  • For every $500.00 received in gift contributions, FLAG will give you a wedding gift of $25
  • A free 1 year subscription to Brides Magazine or Martha Stewart Weddings Magazine
  • Visa debit card (available with a checking account)
  • MatriMoney registry cards to place in shower or wedding announcements
  • Gifts may be made by electronic transfer, debit or credit card, or by mail at our main office.
  • Your FLAG statement will list the names of those who contributed, so it’s easy to send thank you notes.

Complete a membership application online or at our office. We’ll provide you with your registry cards and you’ll be on your way to wedding bliss!

Disclosures: MatriMoney accounts are joint savings accounts that are available to couples planning to be married. Only one MatriMoney account per couple is permitted. The MatriMoney account must be opened 120 days prior to the wedding date. A marriage certificate must be presented within 30 days of the wedding date to receive the matching incentive. The maximum incentive, not to exceed $250.00, will be deposited into the MatriMoney account. In the event the wedding is canceled, the matching incentive will be forfeited. Once the marriage certificate is presented the MatriMoney account is transferred to a regular savings account. Must qualify for a debit card. Please refer to our Deposit Account Agreement & Disclosures for full details.