For The Saver

• Share Savings Account
• Term Share Certificates
• Share Draft Checking Plans
• First Ohio Check Card 
• Individual Retirement Accounts
• Savings Federally Insured up to 
     $100,000 by NCUA
• Vacation & Christmas Clubs
• Youth Savings - C.U.Zoo Club
• Teen Savings - Teen Varsity Club

For The Borrower

• VISA Platinum and VISA Classic Platinum Cards
• Guides for Pricing Cars
• Low Cost Loans for any Purpose
• New and Used Car Financing
• Payment Protection Plans
• Home Equity Credit Line
• Mortgage Loans Available with Great Rates
• Quick Service

For Everyone

• Payroll Deductions
• Direct Deposit of Checks
• Travelers Checks
• Free Notary Service (when member is present)
• Discount Amusement Park Tickets
• Night Depository Drop Box
• Drive-Up Facilities
• Membership for the Entire Family
• ATM Access
• Personal Financial Management Program by  
     Financial Design Agency of Ohio, Inc.*

* Offering securities through registered representatives of Linsco/Private Ledger. Member NASD/SIPC (1) are not Federally insured; (2) are not obligations of the Credit Union; (3) are not guaranteed by the Credit Union or any affiliated entity; and (4) involves investment risk including the possible loss of principle.

PAYROLL DEDUCTION is available to any member whose employer participates with us in the Payroll Deduction plan. It's easy to sign up.

Here's the Plan...
You decide what amount you should save each payday. Payroll Deduction can put money into your Share Savings Account, Share Draft Checking Account, or any other Share Account.

Money can be designated for your Credit Union loan payments, also. You can even have money deposited into accounts for your spouse or children.

• Your Share Savings earn competitive dividends.
• You save frequent trips to the Credit Union office. Gasoline and your time are valuable. Payroll Deduction can save both for you.
• No worries about late loan payments.

Direct Deposit
Put your money to work faster. Avoid standing in lines by having your pay deposited directly to your Share Savings Account or Share Draft Checking Account. Direct Deposit is a simple and easy way of having payments you normally receive by check sent directly to the Credit Union to your preferred accounts.

Practically any type of payment you receive on a regular basis can be directly deposited with us.

• All Government Checks
• Your Payroll Check (if employer agrees)
• Pension Checks
• Stocks and Savings Dividends 
• Annuities

Direct Deposit means convenience and safety.

24 Hour Access Automated Services
ATM (Automatic Teller Machine)

Your Credit Union's ATM Program allows members access to their accounts 24 hours a day, 7 days a week at locations throughout the country.

Qualifying Credit Union members can make deposits and initiate withdrawals.

Cards are issued upon receipt of a signed application and disclosure agreement.

Contact the Credit Union office for an application and start your flight to 24-hour convenience, today!

TONI
Audio Response / 24-Hour Phone Teller 
To access TONI in the Fostoria area dial 436-4318. To access TONI in the Tiffin area dial 447-5105. For long distance dial 1-800-347-7097.

From a touch tone phone, you can obtain information on your balances, Share Draft Checking activity, transfer Share Savings funds to Share Draft Checking or request a check from Share Savings.

Eligibility
With the approval received from the Division of Financial Institutions May 16^th, 2003 the new Field Of Membership for First Ohio Credit Union is as follows:

1. Persons, who live, work, worship or attend school in the areas of Hancock County Ohio, Seneca County Ohio, Wood County Ohio, and Wyandot County Ohio or in Scott Township within Sandusky County Ohio; 
2. Employees of the State of Ohio who work in State offices or facilities in Seneca County Ohio; 
3. Employees in all school districts in Seneca County Ohio; 
4. Employees of the Credit Union; 
5. Spouses of persons who died while located within the Field of Membership of this Credit Union; 
6. Persons retired as pensioners or annuitants from the above employment; Members of their immediate families; 
7. Organizations of such persons; 
8. And, pursuant to Section 1733.05 (D) (1), Ohio Revised code, membership is also open to select groups.  
        a. Fostoria Area Historical Society 
        b. Seneca County Convention and Visitors’ Bureau

How Do I Join?
To become a member, you must meet the qualification of our Credit Union Field of Membership. Complete a membership card at one of our Credit Union offices along with depositing a minimum of $25 for the purchase of one share ($25.00). This initial amount is required to remain on deposit in your Prime Shares Account to remain a member. For your protection, a valid driver's license, a state issued ID card, or a military ID card is required at the time your account is opened.