Members 13 - 17
LAY THE FOUNDATION FOR FINANCIAL INDEPENDENCE.
At this point in your life, you're really just beginning your financial journey. You may have just gotten your first real job, and now you have money beyond birthday gifts and allowances. What do you do with it? The practices you start to develop at this stage in your life can help you immensely in your future. It's a lot to think about and take in, but you don't have to do it alone. At Members First Credit Union of Florida, we have been there and we're here to help.
Free Checking
- No Minimum Balance
- No Monthly Service Charges
- No Annual Fees
- Free Debit Card
- Spend and save when you sign up for SaveUP
ATM Access
- Unlimited Use ($500.00 ATM Withdrawal Limit Per 24 Hrs.)
- Cash 24 Hrs a Day
- Fee-Free ATM Locations
Free Mobile Banking
- 24/7 Access to your accounts
- Free Mobile Banking App for smart phones and tablets
- Free Telephone Teller
- Free Text Alerts
- Mobile Check Deposit
Digital Wallet
- Make payments using your mobile phone with Apple Pay, Google Pay, or Samsung Pay.
- Make online purchases with Visa Checkout.
- Use My Cards within Internet Banking or the Members First mobile app to manage your debit card.
Credit Tips to Help You Prepare for the Future
Dreaming of your first car, college, or a space to call your own someday? Keep ahead of the curve by learning about credit and good credit habits.
Here are some basic credit rules that you should follow:
- You must pay back what you owe.
- Keep track of how much you spend.
- Save your receipts to compare them to your monthly statement.
- Never lend your credit card to anyone or give our your account information.
- Owing more than you can repay can cause you to go into debt and damage your credit rating.
- Pay your bills on time. Pay your fill in full if you can, otherwise you'll end up paying interest on the amount that you don't pay on time.
How to Build CreditHaving good credit is really important for your financial health. Below are some useful articles to help you learn more about credit reports, credit scores, and more:
Getting Started With First-Time Loan Programs
Purchasing your first car or learning how to manage your money while you build credit can be overwhelming, but we're here to help with a few tips and our first-time credit card and auto loan programs.
First Time Credit Card*
12.9% APR
- $750.00 Credit Limit
- Use at millions of locations that accept Visa® credit cards
- Earn rewards for your purchases
- Members under the age of 21 must have a cosigner
First Time Auto Loans**
- Fast Approval (New or Used)
- Pre-Approval Available
- Find used car NADA values free
- Get auto rewards for visiting a participating dealer and financing with us
*Members under the age of 21 must have a cosigner. Must be at least 18 to apply for a credit card if member can show proof of income. APR = Annual Percentage Rate. Rates and terms are based on individual credit worthiness. The method of computing finance charges (or interest) for purchases (including new purchase) is based on the Average Daily Balance. Rates are subject to change without notice. For our complete credit card disclosure, click here.
**With parental co-signing. Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, collateral age, and conditions. The APR will be disclosed prior to an advance being made on a loan.
For more details or to apply for a First Time Credit Card, First Time Auto Loan, or any of our other loan products, please give us a call at (850) 434-2211, stop by one of our branch locations, or email us.
Student Loans
- Student Choice Loan Program with Finance and Refinance Options
- Available for Undergraduate and Graduate Students
- Competitive Fixed and Variable Interest Rates
- Multiple Repayment & In-School Deferment Options
RESOURCES
Financial Education Center
Have you ever wondered why building a budget or credit scores are so important to your financial success? Maybe you want to know what you should do after graduation? We have answers for the important financial stuff you may not learn in class but will definitely use in life. Check out our Financial Education Center for fun and helpful videos to get you money smart on these and many other fundamental financial topics.
Members under the age of 18 must have a parent or guardian joint on Checking Account.
For further information on all Credit Union deposit accounts, please refer to our Account Disclosures, give us a call at (850) 434-2211, or stop by one of our branch locations.
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