Holiday Hours for Family Savings FCU:
Main Office, 711 East Meighan Blvd., Gadsden-
Thursday, December 23rd 7:30 - 4:00 Teller Line and Drive Thru
Friday, December 24th 7:30 - 12:00 Teller Line and Drive Thru
Thursday, December 30th 7:30 - 4:00 Teller Line and Drive Thru
Friday, December 31st 7:30 - 12:00 Teller Line Only
Rainbow City Branch-
Thursday, December 23rd Regular Hours -9:00 - 5:30 Lobby
9:00 - 7:00 Drive Thru
Closed 1:00 - 2:30 Lobby Lunch Closing
Friday, December 24th CLOSED
Saturday, December 25th CLOSED
Thursday, December 30th Regular Hours -9:00 - 5:30 Lobby
9:00 - 7:00 Drive Thru
Closed 1:00 - 2:30 Lobby Lunch closing
Friday, December 31st CLOSED
Saturday, January 1st CLOSED
Scottsboro Branch-
Thursday, December 23rd Closed
Friday, December 24th Closed
Thursday, December 30th 8:00 - 12:00
Friday, December 31st Closed
Rockmart, Ga Branch -
Thursday, December 23rd 11:00 - 4:00 Teller Line Only
Friday, December 24th Closed
Thursday, December 30th 11:00 - 4:00 Teller Line Only
Friday, December 31st Closed
Calhoun
Thursday, December 23rd CLOSED
Friday, December 24th CLOSED
Thursday, December 30th 8:00 - 12:00
Friday, December 31st CLOSED
Cartersville East, 10 Fox Chase-
Thursday, December 23rd CLOSED
Friday, December 24th CLOSED
Thursday, December 30th 8:00 - 5:00
Friday, December 31st CLOSED
Catersville West, 225 Douthit Ferry
Thursday, December 23rd 8:00 - 5:00
Friday, December 24th CLOSED
Saturday, December 25th CLOSED
Friday, December 31st 8:00 - 12:00 Drive Thru only
Saturday, January 1st CLOSED
Hiram
Thursday, December 23rd 8:30 - 6
Friday, December 24th Closed
Thursday, December 30th 8:30 - 6:00
Friday, December 31st 8:30 - 12:30 Drive Thru
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What is a Credit Union?
A credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. It is member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the credit union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.
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Who owns a credit union?
Most financial institutions are owned by stockholders, who own a part of the institution and intend on making money from their investment. A credit union doesn't operate in that manner. Rather, each credit union member owns one "share" of the organization. The user of credit union services is also an owner, and is even entitled to vote on important issues, such as the election of member representatives to serve on the board of directors.
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How did credit unions start?
The first credit union cooperatives started in Germany over a century ago. Today, credit unions are found everywhere in the world. The credit union movement started in this country in Manchester, New Hampshire. There, the St. Mary's Cooperative Credit Association, a church-affiliated credit union, opened its doors in 1909. Today, one in every three Americans is a credit union member.
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What is the purpose of a credit union?
The primary purpose in furthering their goal of service is to encourage members to save money. Another purpose is to offer loans to members. In fact, credit unions have traditionally made loans to people of ordinary means. Credit unions can charge lower rates for loans (as well as pay higher dividends on savings) because they are nonprofit cooperatives. Rather than paying profits to stockholders, credit unions return earnings to members in the form of dividends or improved services.
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Are savings deposits insured and are they safe?
Yes. All savings accounts are insured to at least $250,000 by the NCUA (National Credit Union Administration) and backed by the full faith and credit of the United States Government
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Who can join a credit union?
A credit union exists to serve a specific group of people, such as a group of employees or the members of a professional or religious group. This is called a "field of membership." The field of membership may include where they live, where they work, or their membership in a social or economic group.
Family Savings FCU is a community chartered credit union. Therefore, anyone that lives, works, worships or attends school in Etowah County, AL or the Northwest Georgia 10-counties of
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