Checking / Savings

Checking Accounts

Choose from one of our four great checking accounts! All accounts include check safekeeping - we store your cancelled checks in a safe place for you rather than return them to you with your monthly statement. Copies of available cancelled checks can be provided when needed.

Checking accounts offer the convenience of a FREE Master Money™ Debit/ATM card to qualified members.

Reorder your checks online!

Members can now reorder basic style checks by filling out our Secure Check Reorder Form. Select Reorder Checks online, fill in the form, and click Submit.

View your check images through Online Banking!

Access your Account History in Online Banking for a specified date range on your checking account. Click on the check description, and a new window opens with the front and back of the cancelled check. It's that simple! Print from this new window if desired, and close the window to be returned to Account History.

In order to view or print the check images, you must have access to Online Banking, have a browser (Internet Explorer or Netscape Navigator) with version 4.0 or higher with 128-bit encryption, and have Adobe Acrobat version 4.0 or higher.

To download a free copy of Adobe Acrobat, click here.

To apply for FREE Online Banking, click here.

Checking Account Switch Kit

Looking for a hassle free way to switch to an RFCU checking account? Follow the instructions on the RFCU Checking Account Switch Kit to help simplify the process. Select Switch Kit now to view and print this document. Adobe Acrobat required to view the Switch Kit brochure.

FREE Checking

A non dividend bearing checking account. Designed for members who don't want to worry about maintaining a minimum balance or worry about service charges.

No minimum balance
No monthly service charges
Unlimited check writing
Free direct deposit
Overdraft protection when linked to another account
FREE unlimited ATM access at RFCU branches
8 FREE ATM transactions a month at NON-RFCU ATMs if you have direct deposit of your net pay or social security check; $1 fee per transaction over 8*
FREE Online Banking
FREE unlimited Bill Pay
FREE eStatements

* You may be assessed an additional fee or surcharge fee by the ATM owner

NEW!Extra Checking- 4.00% APY*

This high yield checking account is a great alternative to a money market account. Not only do members earn a great yield, RFCU will even reimburse other banks’ ATM surcharges!

High yield on balances from $5.00 to $50,000*
FREE unlimited checkwriting
FREE MasterMoney Debit Card+†
No monthly service charge
FREE E-Statements†
FREE Online Banking†
FREE Bill Pay
Direct Deposit†
Reimbursement of up to $10.00 a month in foreign ATM fees
No transaction limitations**

To be eligible for Extra Checking, members are asked to:

Enroll in E-Statement program
Make 10 or more purchases & point of sale transactions (excluding ATM transactions)
Have Direct Deposit
Sign up for Online Banking

* Annual Percentage Yield (APY) on balances from $5.00 to $50,000, effective as of 11/1/08 and is subject to change. Accounts that do not meet the eligibility requirements and/or accounts with balances in excess of $50,000 will earn the statement savings rate. which is currently .50% as of 11/1/08 and is subject to change without notice.
** Transactions include withdrawals and inquiries.
† Required to be eligible for this account. 10 or more MasterMoneyTM Debit Card purchases and/or Point-of-Sale transactions per month.
+ You must be 18 years of age or older to be eligible for this service.

Dividend Checking- FREE Unlimited ATM Use!**

If you're looking for a checking account that allows you to use any ATM and pays you dividends on your hard-earned money, Dividend Checking is the account for you! You'll earn our highest dividend rate on checking. Click here for our current rates.

Pays dividends when the average monthly balance is $500 or more
FREE standard style checks
FREE unlimited ATM transactions*
FREE Online Banking
FREE unlimited Bill Pay
FREE eStatements
FREE unlimited check writing
FREE American Express Travelers Cheques
FREE to members 40 years of age or better
$5.00 monthly service charge waived when average monthly balance is $500 or more OR your combined average monthly balance in savings or certificates is at least $1000

With Direct Deposit of your net pay, Social Security, or pension to your account, you'll also get reimbursement for up to $10.00 a month in ATM surcharges

* Transactions: withdrawals and inquiries

**You may be assessed an additional surcharge by the ATM owner if they are not a member of the SUM network.

40 PLUS Checking

For members who are 40 or better. Receive all the benefits of a Dividend Checking account PLUS!

No monthly fee or per check fee - regardless of balance
FREE standard style checks
FREE American Express Travelers Checks
FREE Online Banking
FREE unlimited Bill Pay
FREE eStatements

Debit/ATM Card

MasterMoney™ Debit/ATM Card - FREE With Checking Account!

A new, more convenient way to shop

The MasterMoney Debit Card is the easy way to pay for purchases from your Checking Account --- all over the world. It's welcome everywhere MasterCard® is accepted. The MasterMoney Debit Card also gives you convenient 24-hour access to your RFCU accounts through thousands of ATMS that are part of the NYCE®, Jeannie®, SUM, and Cirrus® networks.

It's easy to use!

For purchases, just present your card at the time of purchase. At some merchant locations, such as grocery stores and gas stations, you may need to 'swipe' your card through a card reader terminal and enter your Personal Identification Number (PIN). The funds will be deducted from your account immediately, just like cash. If you swipe your card and do not enter your PIN, it may take up to 5 days for the funds to be debited from your account. In either case, you'll get a receipt to take with you and each transaction will appear on your monthly checking account statement.

At ATM and cash machines, use your card like you would an ATM card.

There are no fees when you use your Master Money Debit Card for purchases, or when you use your card for Point of Sale Purchases which require you to enter your Personal Identification Number (PIN) rather than signing a receipt.

A MasterMoney Debit Card is only available with a checking account to qualified applicants.

To start taking advantage of the Master Money/ATM Card, complete the MasterMoney Debit and Automated Teller Machine (ATM) Card Application.

Once we receive your application, your card will be ordered. You should receive your card within 14 business days. A randomly generated PIN will be assigned and mailed, separately from your card. You may change the generated PIN, at any RFCU ATM located at one of our branches or by visiting a Member Service Representative at one of our branches.

Savings Accounts

Advantage Savings

Earn a higher rate of dividend as your savings grow. This is a statement savings account with tiered dividend rates. Click here for our current rates.

$5.00 minimum to open account and earn dividends
Dividends are compounded monthly and paid monthly
ATM card available
FREE unlimited ATM transactions at RFCU locations, $1.00 per transaction at Non-RFCU ATMs*
Tele-Touch access available

* You may be assessed an additional fee or surcharge fee by the ATM owner

NEW!Smart Saver Account-5.00% APY*

Now, more than ever before, saving money is key to your financial success.
With our new Smart Saver account you’ll earn a higher rate on your savings when you save at least $100 each month. Although saving for your future may not be at the top of your “to do” list, having a savings account for unexpected expenses, or to pay for a big purchase you’re thinking about, is the smart way to plan for your future. By paying yourself first, you’ll have a “rainy day” fund ready when you need it. You can make deposits through direct deposit, online transfers or in a branch. They can be small weekly deposits or one monthly deposit-whatever fits your budget best.

Members deposit $100.00 or more each month.** You choose how you want to make the deposits. (Deposits should total up to $100.00 within the month to earn the higher rate)
One account per member
Personal accounts only

* Annual Percentage Yield (APY) effective as of November 1, 2008
and is subject to change.
** If $100 monthly deposit requirement is not met, balance is under
$100 or in excess of $5,000, the account will earn the statement savings
rate (.50% APY as of 11/1/08 and is subject to change without notice).

High Yield Reward Savings

If you're an active checking account user looking for a high
yield and you don't need regular access to your savings, this is the account for you! High Yield Reward Savings gives you:

High Dividends
Unlimited deposits-add any amount at any time
One FREE monthly withdrawal-You can withdraw money from your account once each month for FREE (this includes outbound transfers). Every additional withdrawal during the month is subject to a $25.00 fee
FREE eStatement delivery

To qualify for the high yield, you must have an average balance of $15,000 in your High Yield Reward Savings account, receive an eStatement on this account and be an active RFCU checking account user*.

*To be considered an "active RFCU checking account user" you must meet one of the following conditions 45 days prior to the dividend period: have recurring direct deposit of $100 or more into your checking account, make three or more debit card purchases or pay three or more bills online.

Money Market Savings

Now you can enjoy the best features of both checking and savings combined! Our Money Market Savings account offers you these important advantages:

Higher dividend rates - Different rate tiers are available based on account balance. The more money you save, the more you earn
Dividends are compounded monthly and paid monthly
$1,000 minimum to open an account
No service charges - regardless of balance
Free paper checks
Check writing privileges - limit of 6 non-ATM transactions per month (only 3 can be a check*)
Convenient monthly statements details your account activity

* A fee is charged for checks written in excess of three.

Christmas Club Account

A statement savings account earning a higher rate of dividends than the regular savings account.

$5.00 minimum to open account and earn dividends
Dividends are compounded monthly and paid monthly
$10 fee is assessed for withdrawals made before September 30th
A check for the account balance less $5.00 is mailed to account holders on September 30th.

Term Certificates

Terms range from 91 days to 5 years offering a fixed rate of dividend for the term of the certificate. Click here for our current rates and terms.

Minimum deposit to open is $500
Dividends are paid and compounded monthly
Prepayment penalty applies for early withdrawals
Available in statement or passbook form.

Other Services

Financial Services-

For details on RFCU Financial Services click here.

Tele-Touch 1-800-662-7328 Tele-Touch Reference Guide

Tele-touch is our 24 hour touch tone phone service. You can access your accounts 24 hours a day, seven days a week from the location of your choice. You can check balances, transfer funds, make loan payments, obtain a listing of the most recent checks that have cleared your account, and more.

Select E-mail now to request information about Tele-Touch. Please include a daytime phone number and convenient time for us to contact you to set up this service.

Overdraft Protection

Avoid the embarrassment and cost of overdrawing your account with overdraft protection. We offer two convenient ways you can add overdraft protection --- either through a savings account or a line of credit.

Select E-mail now to request information on overdraft from your savings account.

Select Loan Application if you would like to apply for revolving line of credit which can be used for overdraft purposes.

Direct Deposit

Have funds deposited to your RFCU checking or savings account without ever visiting the credit union. It's convenient and saves you time!

Sign up for direct deposit by providing your employer with the RFCU routing and transit number- 211373348 - and your account number followed by the suffix you would like the funds deposited into. If you have a RFCU checking account and would like to have funds deposited into it, you can also provide a voided check.

Sign up for direct deposit of your Social Security check after you have opened your checking account. Contact Social Security at 1-800-772-1213. You should have your checking account number (you can find this by looking at your statement or one of your checks. It's the second set of numbers on the bottom of your che ck) and our Routing number 211373348 ready when you call.

Click here to print a Request for Direct Deposit form.

Select E-mail now to request a Payroll Deduction form, used for those employers who are unable to send direct deposits through the Automated Clearinghouse system.

Safe Deposit Boxes

A safe way to protect your important papers or valuables. Safe Deposit boxes are available in our Rockland, Marshfield and Walpole locations and are available in a wide range of sizes.

To open a safe deposit box, please visit either the Rockland, Marshfield or Walpole branch locations.

Personal Loans

Whether you're planning to buy a computer, consolidate bills, or take a vacation ---- we have a variety of loans to meet your needs and budget. You'll find that our competitive rates and convenient terms help keep your payments affordable.

Auto Loans

Auto loans are available with flexible terms and competitive rates. We offer 100% financing to qualified applicants for both new and used cars. We will even pre-approve you before you go shopping!

Are you paying too much on your current auto loan?
Refinance it online today!
RFCU has a reputation for providing our members with auto loans at competitive rates. Let us refinance your high rate auto loan today and save you money! We provide 100% financing on new and used vehicles to qualified applicants. Rates are as low as 5.49% APR* with approved credit. If you're interested in lowering your monthly payment, you can refinance your loan and extend the term to keep more cash in your pocket. Remember, there are no application fees and no pre-payment penalties. Take a minute to use our loan calculator to see if you are getting the best value for your money!

Click here for our current rates and terms.

*Annual Percentage Rate (APR) shown represents the lowest rate currently available as of October 1, 2008 and is subject to change. This rate is for qualified applicants based on approved credit. Other rates are available based on member's credit history. Not available on existing RFCU auto loans.

VISA Credit Cards

- Visa Classic or Visa Platinum

A Rockland Federal Credit Union Visa card is convenient and easy to use. With our low interest rates and no annual fee, you'll save money. Applying is easy! Simply complete the Visa Loan Application and press SUBMIT.

Visa Classic Credit Card

NO ANNUAL FEE!
LOW BALANCE TRANSFER RATE - Life of balance transfer rate of 8.90% Annual Percentage Rate -- available on convenience check cash advances or any Non-RFCU credit balances you transfer to your RFCU Classic Visa - until that balance is paid!
Low fixed 13.90% Annual Percentage Rate on Purchases
Credit lines from $300 to $10,000

Visa Platinum Credit Card

NO ANNUAL FEE!
Low fixed 9.90% Annual Percentage Rate on Purchases and Balance Transfers
Credit lines from $7,500 to $15,000
CASH REWARDS - With our CashRewards Program, it's easy to put money back in your pocket. Just use your RFCU Platinum Visa credit card every time you shop. For each qualified purchase** you make, you'll receive an ANNUAL cash reward. The more you use your card, the greater the reward!

**Qualified purchases do not include PIN-based purchases, cash advances, balances transfers, convenience checks, or returns. CashRewards are posted to the account annually. Account must be open and clear, not cancelled, terminated or delinquent at the time each year CashRewards are posted to the account.

CashRewards Program Payment Tier

Yearly Purchases	Cash Reward bonus
$5,000 and below	.25%
$5,001 to $10,000	.50%
$10,001 to $25,000	1.00%
$25,001 to $66,600	1.50%

CashRewards Rules

Every dollar in purchases you make with your Rockland Federal Credit Union credit card to your Visa Platinum account covered by the CashRewards Program ("Program") and that appears on your statement during the Program period, earns CashRewards credit as provided in these Rules, under Rockland Federal Credit Union's most current CashRewards schedule. CashRewards is earned with purchases made by you beginning on the first day in which your Program begins and is posted to your account annually.
Your periodic statement will normally include a year-to-date accounting total of your CashRewards credits but may be adjusted as provided for in these Rules. CashRewards credits will be deducted from your current total of credits earned for corresponding retail purchase returns posted to your card account.
Your account must be open and clear (i.e. not cancelled, terminated, delinquent, or otherwise not available to use for charges) at the time each year CashRewards are posted to your account or when CashRewards rebate checks are mailed by Rockland Federal Credit Union. Otherwise, your CashRewards credit will be forfeited. CashRewards credits are not exchangeable or transferable.
This program may be modified, suspended or cancelled at any time without restriction or penalty. CashRewards credit may be forfeited due to violations of these Rules. This Program is void where prohibited or restricted by law. You are responsible for any federal, state or local income or other taxes.
Despite our best efforts to ensure accuracy, printing errors involving the Program occasionally occur. We reserve the right to correct such errors at any time even if it affects CashRewards credits already posted to your account.

Transfer Balances and Save!

It's easy to transfer balances to your RFCU Visa Credit Card --- the process is easy!

If you already have a RFCU Visa Credit Card, either Classic or Platinum, and would like to transfer a balance (up to your available credit limit), simply complete the Visa Convenience Check Request Form and press SUBMIT. Three convenience checks will be mailed to the address we have on file for you. Once you receive the convenience checks, simply make them payable to the company whose balance you want to transfer and mail them as you would any other payment.

If you are applying for a new RFCU Visa Credit Card, first complete the Visa Loan Application.

Mortgages

Whether you're planning to purchase a new home or refinancing -- we have the mortgage for you. We offer competitive fixed rates and flexible terms of 10, 15, 20, 30 and 40 years on one to four family owner occupied properties.

Call the Mortgage Department at (781)878-0232 or (800)562-7328 ext 135 for more information.

Click here for our current rates and terms.

Click here to visit our Mortgage Center and apply Online.

60 Day Rate Lock available at application or while loan is in process.
Rate lock fee and appraisal fee required upon submission
of application.
All interest rates and terms are subject to change
without notice.
Any mortgage loan request with a higher loan to value
than 80% requires Private Mortgage Insurance coverage at an additional
cost. Please contact a lending representative for specific costs.
Local servicing provided for your convenience.

Home Equity Options

Use the equity in your home as a smart way to manage your finances. Choose our Home Equity Line of Credit or our Home Equity Loan, whichever is best for you.

Borrow from $10,000 to $150,000
No points or closing costs!*
No annual fee

Click here for our current rates and terms.

To apply online select the button below, call (781) 878-0232 or (800) 562-7328 for an application, or stop by one of our convenient branch locations.

*If borrower terminates the loan or line of credit and requests a discharge of the mortgage within 36 months from the date of the agreement, the borrower will be obligated to reimburse Rockland Federal Credit Union the full amount of closing costs. We finance 1-4 family owner-occupied homes for applicants who live or work in Plymouth, Norfolk, Suffolk, Bristol, Barnstable or Middlesex Counties. Minimum Home Equity Loan or Line is $10,000, maximum $150,000. Not available for homes currently for sale or intended to be sold within 6 months of closing. Property Insurance required, Flood Insurance may be required. Consult your tax advisor regarding the deductibility of interest. Please be advised that the Credit Union will not finance properties in trust and/or in cases where the first mortgage is an adjustable rate mortgage with a negative amortization.

Home Equity Line of Credit

If you want the flexibility of ready cash to remodel your home, consolidate your debt, buy a new car or manage unexpected expenses a home equity line of credit may be the best option for you.

Check access for an easy hassle-free way to get the cash you need
Payments of interest only for the first ten years

The rate will be equal to the Wall Street Journal Prime Lending Rate as published in the Wall Street Journal at the beginning of each monthly billing cycle. This is a variable rate, subject to change. The maximum annual percentage rate (APR) is 18%. Property insurance and flood insurance, if applicable is required.

Click here for our current rates and terms.

To apply online select the button below, call (781) 878-0232 or (800) 562-7328 for an application, or stop by one of our convenient branch locations.

Home Equity Loan

If you have a specific purpose in mind for a home remodeling project, purchase or debt consolidation and want the security of predictable monthly payments and knowing when the loan will be paid off a home equity loan may be the best option for you.

5, 10, or 15 year terms available
Low Fixed Rate for the life of the loan
Fixed Payment amount for the life of the loan

Click here for our current rates and terms.

To apply online select the button below, call (781) 878-0232 or (800) 562-7328 for an application, or stop by one of our convenient branch locations.