Share Savings Account
Our Share Savings account establishes your credit union membership. This account requires just a $10 minimum balance. Dividends are paid monthly. Other benefits include:

  • ATM access
  • Direct deposit/payroll deduction
  • Monthly account statement
  • Eight free withdrawals/transfers per quarter
  • Bank-by-phone through Accessline, (317) 962-1096

Share Draft (Checking) Account
A Share Draft account represents the foundation of a relationship with the credit union. It is the platform into which paychecks are deposited through direct deposit and is the mechanism through which the vast majority of purchases are made and bills are paid. It is difficult to imagine anyone getting through life in the 21st century without a Share Draft account. Here are some of the important features of the account:

  • No regular monthly service charges
  • No minimum balance requirement
  • First 50 checks free
  • VISA Debit Card
  • Direct deposit/payroll deduction
  • Monthly account statement
  • Unlimited, free access to FHFCU ATM’s as well as Alliance One ATMs
  • Two overdraft protection options
      • automatic transfer from savings
      • line of credit attached to share draft
  • Bank-by-phone through Accessline
  • Home banking and free online bill payment

Please Note:
For lost or stolen debit cards, call 1-800-523-4175. 

Debit cards have been blocked for purchases out of the country. Contact the credit union if you plan to travel abroad. 317-962-8413

Money Market Account

Our Money Market Account is aimed at serious savers who need to keep some of their savings dollars available, while still earning higher dividends. This is a tiered-rate account which pays dividends monthly. Your dividend yield depends on the average daily balance each month. Other benefits include:

  • Monthly account statement
  • Low minimum opening balance of $2,500
  • No fees (if balance is kept above $2,500)
  • Dividends are credited monthly

Share Certificates
Share Certificates earn higher dividend rates than savings accounts because you agree to a specified certificate term. We offer low minimum opening balances of only $500 for most terms. Dividend rates are very competitive. Other features of our Share Certificates are:

  • Terms from three months to five years
  • Dividends paid monthly
  • Automatic renewal until you decide otherwise
  • Dividends paid by check, by transfer to another account or added to principal

Individual Retirement Accounts
It’s never too early (or too late) to start thinking about your retirement. The credit union offers regular, Roth, education and rollover Individual Retirement Accounts (IRAs). An IRA through your Credit Union provides:

  • Terms from twelve months to five years
  • Dividends credited monthly
  • Automatic renewal at maturity
  • Free assistance cashing out retirement plans so as to avoid tax consequences

Note: Please consult a tax authority for information regarding your eligibility for an IRA and the amount of income and dividends you can defer.

Holiday & Vacation Club Accounts

For many people, the holiday season and the summer vacation are budget busters. The solution to this problem is to plan ahead. We can help. By making deposits throughout the year (as much or as little as you want) you WILL be prepared. These accounts feature:

  • No minimum deposits or balance rules
  • Direct deposit/payroll deduction
  • Withdrawals allowed, less a $5 service charge
  • Lump sum payout to savings or share draft account in November (Holiday Club) or April (Vacation Club)

Environmentally Conscious Services
A recently published list of 50 things we all can do to protect our environment included three banking related ideas. We encourage members to choose these options. Not only are they better for the environment, they also save you time, and money.

Home Banking
Available at, this service is free to members and allows you to see your transaction history and move money from one account to another.

With Home Banking, you may not even need a monthly statement, but if you still want one, choose instead to have it available electronically on your Home Banking page. You will get an email every month letting you know it’s waiting for you.

Checkless with Us
Our online bill payment service is called Checkless With Us because you may never write another check. It’s free, easy & reliable. It tells you when your payment will arrive. It saves paper & stamps.
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government
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Financial Health
Federal Credit Union

1515 N. Senate
Indianapolis, IN 46202

Phone: (317) 963-1199
FAX: (317) 962-3393