|Products & Services|
|HealthFirst Federal Credit Union offers a multitude of services to our members:|
|Savings (Share) Account|
|There is a $25.00 minimum deposit required to open a savings account and entitles you to all the other benefits and services at the Credit Union. Dividends on savings are calculated on the average daily balance and are payable monthly. Make your Credit Union the place to save money!|
It is NOT our goal to fee your account. It is our goal to ensure that your account is not termed “Dormant” as described by Maine Law. If the account remains inactive for three (3) years, the account then becomes “abandoned property” and the balance, at the time, must be turned over to the State of Maine (by law) as unclaimed property.
If your account has not had any activity for some time, please activate it as soon as possible to avoid the monthly fee and avoid your funds being defined as “abandoned”.
If you think all checking accounts are alike, it’s time you checked us out. A Credit Union Checking Account can save you a bundle in service charges and individual check processing fees. Along with economic benefits, our checking account gives you the security of automatically transferring money from your savings account to your checking account to cover a check when there are insufficient funds. There’s no minimum balance required. You receive monthly statements and canceled checks are stored on discs for your convenience.
You can use a Club Account to save for just about anything – Christmas, vacation, taxes or all-purpose. Club Accounts make it easy to save, through Payroll Deduction, and you earn dividends like our regular Share Account.
All children’s accounts require a deposit of $25.00 to open, but earn dividends on all amounts of $5.00 or more.
HealthFirst FCU knows how important it is to start teaching our children at a very early age how important it is to learn how to manage their finances by learning good savings habits. For each child that opens a savings account, HealthFirst will deposit $10.00.
If you’re looking for a savings account that offers higher dividends than regular savings without tying up your money for a long period of time, a Share Certificate may be the answer. We offer fixed rate Certificates as short as six months and as long as thirty-six months. These shorter terms allow you to earn dividends without losing access to your funds in a practical amount of time. Our Certificates require a minimum deposit of $500 for terms up to twelve months and $1000 for terms of eighteen to thirty-six months. Early withdrawals will be subject to a penalty of ninety days interest.
Plan now to enjoy a comfortable retirement by opening a Credit Union Individual Retirement Account (IRA). With benefits such as higher dividends than regular savings and tax-deferred interest earnings, an IRA is a perfect supplement to other sources of retirement income. You can contribute once a week, once a year or however often you’d like, as long as you stay within the contribution limits.
The Taxpayer Relief Act Act of 1997 created a variety of new IRA options. Not only did it change rules for the traditional IRA, but it also introduced the Roth and Education IRAs. Traditional IRAs are more attractive than ever because expanded income limits mean more people will be able to make tax-deductible contributions. In addition, penalty-free withdrawals are allowed for qualified higher-education expenses.
Contributions to both Roth IRA or Education IRA aren’t tax-deductible, but the accounts offer the opportunity for tax-free earnings.
When you are ready to contribute to an IRA, please contact us. We’re here to help you save for your goals with an IRA
iTalk- Phone Service
You can enjoy the convenience of using a telephone to access your credit union accounts from home, work and even if you are out of town. With this phone service system, you can make account inquiries, transfer funds form one account to another, and make withdrawals from your Share or Share Draft account. All you need is a touch-tone phone and our special access codes.
VISA DEBIT CARD
|Say “Hello” to SURF Dude, and Say “Goodbye” to ATM Fees!|
The surcharge free ATM network that you have come to rely on has a new look! Now, when you see SURF Dude, you know that you’re in the SURF Zone – and that means no ATM fees!
Because Health First FCU is part of the SURF ATM Network, you can save at least an average of $300 a year on surcharge fees at over 200 ATM locations throughout Maine, one of the largest ATM networks in the state. With the SURF network, ‘no fees’ means just that—not only will you see no fees at your ATM, there are no hidden fees anywhere else! In addition, a number of SURF ATM locations give thousands of Maine credit union members the ability to not only access cash but to also make deposits, surcharge free.
The SURF ATM Network now includes over 90% of the state’s 67 credit unions, meaning a SURF Zone is never far away!
For a complete listing of the SURF ATM locations in Maine where you can find SURF Dude, visit www.mainecreditunions.org and click on “Find an ATM”.
HealthFirst Federal Credit Union has 3 ATM’s for our members convenience. Two are located in MaineGeneral Medical Center. One at the Seton Unit on Chase Ave. in the lobby and one in the Thayer Unit at 149 North St. in the Emergency Room (ER) and our third ATM is located inside the Harold Alfond Center for Cancer Care at 361 Old Belgrade Road in Augusta.
U.S. Savings Bonds