Welcome to URW Community Federal

Financial Planning
Credit unions care! We want to educate our members about all of the resources available to them. We want to see our Members do well. Not only does this mean borrowing in times of need, but also saving for your future. Your money is insured with us. All funds are insured by the National Credit Union Administration (NCUA ). The National Credit Union Share Insurance Fund (NCUSIF) is the federal fund created by Congress in 1970 to insure member's deposits in credit unions to at least $100,000. Administered by the National Credit Union Administration, the NCUSIF is backed by the "full faith and credit" of the U.S. Government.

Share Drafts (Checking)		Shares (Savings)
•	$50 to open account	•	$25 minimum deposit
•	Unlimited check writing	•	Interest bearing with a minimum balance of $500
•	No Fees (Non-Sufficient Funds Fee $25)
•	Free Online Banking (NetBranch)
•	Free Online Check Imaging & Printing	Money Market Accounts
•	Free BillPayer (through NetBranch)	•	$2500 minimum deposit required
•	Interest bearing with a minimum balance of $500	•	Up to 6 Withdrawals or Transfers per month
•	VISA Check Cards	•	Up to 3 of these withdrawals or transfers to a third party via check or transfer
ATM Cards can be used with your checking or savings account but cannot be used as a point of sale card.

Share Certificates - view Share Certificates rates
Share Certificates are what credit unions call "CD's". Our Share Certificates are offered in the following terms, all requiring a minimum deposit of $500. Dividends are paid monthly.
•	6 Month Share Certificate
•	1 Year Share Certificate
•	2 Year Share Certificate
•	3 Year Share Certificate
•	5 Year Share Certificate

Traditional and Roth Individual Retirement Accounts (IRAs) Coverdell Education IRAs Whichever method you choose, you can rest assured that your funds aren't subject to market crashes.