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Family Savings Credit Union Login Apply for a Loan Alert Search What's New ACCOUNTS LOANS SERVICES ABOUT US Visit us on Facebook Visit us on Twitter Visit us on Instagram Stay up to date on What's Happening at Family Savings Fall 2021 Newsletter (opens in a new window) Summer 2021 Newsletter Holiday Hours Wednesday, November 24th Albertville, AL & Rome, GA- Open normal business hours Rainbow City, AL- Lobby hours 8:30-1:00 p.m., Extended drive thru hours 8:30-5:00 p.m. Anniston, AL- Lobby hours 8:00-4:30 p.m. Calhoun, Cartersville East, Cartersville West, Hiram and Rockmart, GA- Lobby 8:30-12:00 p.m., Extended drive thru hours 8:30-5:00 p.m. Gadsden, AL- Lobby hours 7:30-12:00 p.m., Extended drive thru hours 7:30-4:00 p.m. Scottsboro, AL- Lobby hours 8:00-12:00 p.m., Extended drive thru hours 8:00-4:30 p.m. Thursday, November 25th and Friday, November 26th All FSCU branches will be closed in observance of Thanksgiving Friday, December 24th and Saturday, December 25th All FSCU branches will be closed in observance of Christmas Monday, December 27th Albertville, AL & Rome, GA- Open normal business hours Call Center will open normal business hours All other FSCU branches will be closed in observance of Christmas Friday, December 31st All FSCU branches will be open regular business hours (teller transactions only) Saturday, January 1, 2022 All FSCU branches will be closed in observance of New Year's Day Monday, January 3, 2022 All FSCU branches will be open regular business hours (teller transactions only) Skip a Payment for December (opens in a new window) Spread MORE holiday joy this season! The holidays are a perfect time to have a little extra money in your pocket. So, why not skip a payment on your Family Savings Credit Union loan and do just that? For a $25 skip-a-payment fee per payment skipped, you can have the extra cash you need to make the season even brighter for you and your family. Skip a payment, skip the holiday money stress, relax and enjoy the season. Complete the Skip-A-Payment request form (opens in a new window) and return it to your nearest branch with your $25 fee(s) or method of payment. Remember to return the form and payment to us BEFORE your December 2021 loan payment is due. Disclaimer: Offer does not apply to Real Estate Loans, Open-End Loans, Single Pay Loans, Workout Loans, Credit Builder Loans, Troubled Debt Restructured Loans, Commercial/Business Loans or Lines of Credit. By signing up to skip your payment, you authorize Family Savings CU to extend your final loan payment by one month. Interest will continue to accrue on your loan during the month you skip your payment. Loan must be current and account in good standing to qualify for this offer. All other terms and conditions of the loan(s) will remain the same. There is a $25 Skip-A-Payment fee per loan. If paying $25 fee through a transfer from a FSCU Savings or Checking Account, funds must be available over any minimum balance requirement to cover the fee at the time this form is processed. Payment protection and/or GAP Insurance may not apply to the extended loan term. No more than two payments may be skipped within a calendar year. The primary member must sign the request form. FSCU must receive your signed authorization form (opens in a new window) before your December 2021 payment(s) is due. Any loan that is less than 6 months old or has had an extension or loan modification with extension in the past 6 months does not qualify. Members who have taken a Family Savings Credit Union COVID-19 payment relief option in 2021 may not qualify for the December 2021 Skip-a-Payment promotion. If you have set up a recurring payment with Family Savings or another Financial Institution, it is your responsibility to notify them to adjust the payment date. Change in Terms Notice Effective November 8, 2021, the Family Savings Credit Union Fee Schedule will include the following changes: Consumer Accounts: NGAGE Spending- The Foreign ATM Fee/Surcharge Refund Allowance will be changed from unlimited to $20.00. The Non-Qualified Dividend Rate will be reduced from 0.05% to 0.01%. Free Check Order- The allowance for members ages 50 and better will be reduced from unlimited to 2 boxes per year. (One box per order) Returned Mail/Bad Address Fee- will increase from $2.00 per month to $5.00 per month. Stop Payment Fee (Share Draft, ACH or Money Order)- The fee will increase from $15.00 to $30.00. Wire Transfer Fees-An Incoming Domestic Wire Transfer Fee of $10.00 will be implemented. The Outgoing Domestic Wire Transfer Fee will increase from $10.00 to $20.00. The Outgoing International Wire Transfer Fee will increase from $35.00 to $45.00. 3 x 5 Safe Deposit Box- The Annual Rental Fee will increase from $10.00 to $15.00. 5 x 5 Safe Deposit Box- The Annual Rental Fee will increase from $15.00 to $20.00. 3 x 10 Safe Deposit Box- The Annual Rental Fee will increase from $20.00 to $30.00. 5 x 10 Safe Deposit Box- The Annual Rental Fee will increase from $30.00 to $40.00. 10 x 10 Safe Deposit Box- The Annual Rental Fee will increase from $50.00 to $60.00. There will be a $100.00 fee for qualified Garnishments, Levies and Subpoenas. Business Services Fee Schedule: Business Account Owners will find an updated Fee Schedule for Business Services on the last page of their Monthly statement. Now Open!!! New Rome Branch located in the Walmart Supercenter @ 2510 Redmond Cr. NW Family Savings has opened our newest branch in Rome, GA. Come visit our new full-service branch for all of your banking needs! It's uniquely designed with convenient teller pods, an in-store ATM, member service desk and an amazing loan office. Please join us on September 21st at 11:30 ET for a Ribbon Cutting and Grand Opening Celebration! Can't wait to see you there! NEW Branch Hours for Gadsden & Rainbow City Effective Now! Gadsden Hours: Monday, Tuesday, Thursday & Friday 7:30 am - 4:00 pm Wednesday 7:30 am - 12:00 pm Rainbow City Hours: Monday, Tuesday, Thursday & Friday 8:30 am 5:00 pm Wednesday 8:30 am - 1:00 pm Saturday 9:00 am - 12:00 pm Call Center Hours: Monday, Tuesday, Thursday & Friday 7:30 am - 5:00 pm Wednesday 7:30 am - 3:00 pm New Albertville Branch Open! The new branch located at the Albertville New Food City is now open! Stop by and check out our awesome "A-Team"! Located at 7200 US HWY 431, Suite 350, Albertville, AL 35951 New Cartersville East Branch Location! Cartersville's newest location is now open! Located by Tractor Supply in Cartersville. Come on in and check out our gorgeous branch with a lot of great technology, followed by the same great Family Savings Team. Located at 3 Ryan Blvd NE, Cartersville, GA 30120 Family Savings Offers BASSBUCKS! Family Savings Credit Union is now offering Bonus Cash Prize Money for members who have their boat or towing vehicle financed at our credit union. Please click here for more information and a list of tournaments that qualify for BassBucks. New SMS/Text VISA Debit/Credit Fraud Alerts Family Savings CU now participates in the VISA Falcon Fraud SMS/Text Notification program. If fraud is suspected on your Family Savings VISA debit or VISA credit card, you may receive a text message from #23618 which will include the last 4 digits of your card and details of the transaction. You will be asked if the charge is fraudulent or not. You will be asked to text back YES, NO or STOP (to opt-out). Only members who have their MOBILE numbers on file will be texted. If no mobile number is on file or VISA gets no response to the text message from the member, an automated phone call will be sent with the same information. The automated phone message will ask you to answer 2 multiple choice questions to verify your identity. If an alert (text or phone call) is ever in question, please call the number on the back of your card or the VISA after hours number 1-844-834-8560 Members Age 50+ Now receive FREE Checks Members who are age 50 or older now receive FREE Family Savings Logo'd checks regardless of the type checking account - for the life of the account. The free check order is limited to two boxes per year/one box per order. Please see a member service representative to order yours today or call 888-311-3728 to order by phone. GreenPath Financial Wellness - a FREE Member Benefit Family Savings is pleased to announce the newest member benefit – GreenPath. As a valued member of Family Savings, we are providing you with FREE access to money management and financial education services. Family Savings has teamed up with GreenPath in order to bring you GreenPath Financial Wellness, a financial education and counseling program. Through comprehensive education and exceptional service, GreenPath has been assisting individuals for more than 50 years. As a member of Family Savings, you can receive assistance with: Personal and family budgeting Understanding your personal credit report and how to improve your score Personal money management Debt repayment (fees may apply) Avoiding bankruptcy, foreclosure, and repossession GreenPath can give personalized answers to your individual needs. For issues ranging from a proactive savings plan to saving a home from foreclosure, advice is only a phone call away. GreenPath counselors are available Monday through Thursday 7 a.m. to 9 p.m. (CST), Friday 7 a.m. to 6 p.m. and Saturday from 8 a.m. to 5 p.m. To use this new service, simply call 1-877-337-3399 or visit them on the web at https://www.greenpath.com/Family-Savings Free Credit Reviews Call one of our branches or schedule an appointment to meet with one of our credit experts. Our credit experts will review your credit and help you plan to achieve your financial goals. They might even find ways to lower loan payments or boost your credit score! 888-311-3728. Add your Family Savings Debit or Credit Card to your Digital Wallet Use your Family Savings Debit or Credit card with APPLE PAY, GOOGLE PAY, and MICROSOFT PAY where digital payments are accepted. Members will love the digital wallets for the convenience of shopping using their smartphones, the added security, and the options for storing multiple cards rather than carrying them in their purse or wallet. Simple to set up on any supported device such as iPhone, Android and Microsoft phones. Once your FSCU card has been added, you will be directed to verify the card and your identity by calling 1-844-484-0049. You will be asked a series of questions that will help VISA® determine your identity and verify your card. More Information and setup NOTICES Overdraft Change in Terms Notice - A fee of $3.00 is being added to the Fee Schedule and Account Disclosure. This fee will apply to Overdraft Items that are covered by available funds in a members’ savings account. Members must choose to have this service added to their account. Universal Account Agreement - The terms and conditions of the “Universal Account Agreement” governing your account(s) have changed. Such changes include mandatory arbitration and class action prohibitions. Please contact the Credit Union should you have any questions or want a complete copy of the revised agreement. Continued use of your account confirms your agreement to the changes. Endorsement Requirements When making a mobile deposit using your FSCU mobile app, you agree to endorse all items with your signature and print "For Mobile Deposit Only to Family Savings CU". Family Savings Credit Union reserves the right to reject all items that are not endorsed as specified. Home Loans We're by your side with personalized service every step of the way. Learn More Sponsorship Request We're committed to investing in the communities we serve. Learn More Disclosures Careers Fee Schedule Lost Card Member Security Order Checks (opens in a new window) Privacy Policy (opens in a new window) Proof of Insurance (opens in a new window) Rates ©2021 Family Savings Credit Union Routing #262287195 Federally Insured by NCUA Equal Housing Opportunity