faqs
About FFCCU
How is FFCCU different from a bank?
What products and services do you offer?
Where are your branches and ATMs located?
What are your operating hours and contact information?
Membership
Who can join FFCCU?
How do I join FFCCU?
I'm retired. Can I still join FFCCU?
Do I have to close my account if I leave my company or safety department?
How soon can I apply for a loan or take advantage of other FFCCU products and services?
General Account Information
Are there any minimum balance requirements?
What are the suffix numbers for my account?
What is your routing number?
Are my accounts insured?
Checking Accounts
Does FFCCU charge a monthly fee for a checking account?
Is there a minimum balance requirement for a checking account?
Do you offer overdraft protection on checking accounts?
Do you offer a debit/check card?
How do I place a stop payment?
Do you offer interest-bearing checking accounts?
Do you offer a business checking account?
Direct Deposit/Payroll Deduction
What is direct deposit and how do I sign up?
What is payroll deduction how do I sign up?
Transacting
How do I deposit my money into FFCCU?
How do I withdraw money from FFCCU?
How do I do a wire transfer?
Club Accounts
What type of club accounts do you offer?
How do I sign up for a club account?
Are there any fees?
Loans
What type of loans do you offer?
What are your current rates?
What happens if I prepay my loan?
How can I get a copy of my credit report?
I can't make it into your office during business hours. Are there other ways to apply?
Mortgages
Do you offer mortgages and home equity/improvement loans?
What are your mortgage rates?
Electronic Services
Where are your ATMs?
What are your ATM fees?
Do you offer a debit card?
What do I do if my VISA Check Card or ATM Card is not working?
How do I report a lost ATM Card or VISA Check Card?
Is there a fee for using your online Home Banking service?
Is there a fee for using your online Bill Payer service?
What can I do on the Trans-Act Line?
How much does it cost to use the Trans-Act Line?
What is the Trans-Act Line phone number?
How do I get the Trans-Act Line to work?
What is the difference between Trans-Act Line and Home Banking?
About FFCCU
How is FFCCU different from a bank?
A credit union is a group of people with a permit to do business with each other. A credit union is not a credit bureau; it is not a labor union; it is not a loan company or a financial house; it is a group of people who have joined forces to manage their own money. Its basic objectives are to teach and encourage thrift among members and, through their combined savings, extend to members low-cost credit for any worthwhile purpose.
As a not-for-profit financial cooperative, we are able to offer you better rates and personal service than for-profit banks. We also do not have any minimum balance requirements or charge any fees to maintain a share draft (checking) or savings account.
Firefighters Community Credit Union (formerly Greater Cleveland Fire Fighters Credit Union), was founded in 1936 and serves active and retired fire fighters and safety force employees and their families who live and work in Cuyahoga and seven contiguous counties, as well as everyone that lives, works, worships and attends school in Cuyahoga and Lake counties.
What products and services do you offer?
We are a full-service financial institution. We offer a variety of savings and loan products, as well as a full menu of services to make it easy for you to access your funds.
Products:
- Savings accounts
- No-fee checking accounts
- Share certificates
- Money market accounts
- Club accounts
- IRAs
- New and used auto loans
- New and used boat/RV/motorcycle loans
- Classic, Gold and Platinum Visa Credit Cards
- First mortgages and home equity lines of credit
- ATM Cards and Visa Check Cards
Services:
- Direct Deposit/Payroll Deduction
- Trans-Act Line
- Extensive ATM network
- Free Home Banking and Bill Payer
Where are your branches and ATMs located?
Click here for branch locations, hours and phone numbers. Click here for a no-surcharge ATM directory.
What are your operating hours and contact information?
Click here for branch locations, phone numbers and office hours.
FFCCU Membership
Who can join FFCCU?
Click here to learn who is eligible to join FFCCU.
How do I join FFCCU?
You can join FFCCU by printing and mailing in our membership application (PDF) or by calling or visiting any one of our locations.
I'm retired, can I still join FFCCU?
Yes. Retired employees, credit union family members and employees of active and retired fire fighters and safety force employees and their families, who live and work in Cuyahoga and seven contiguous counties, as well as our Select Employee Groups, are always eligible to join. Anyone that lives, works, worships or attends school in Cuyahoga and Lake counties is also eligible to join.
Do I have to close my account if I leave my company or safety department?
No. Once a member, always a member.
How soon may I apply for a loan or take advantage of other FFCCU products and services?
Immediately! As soon as you are a member, all products and services are available for application.
General Account Information
Are there any minimum balance requirements?
You will need to maintain the $5 deposit in the membership account to keep your account in good standing. This money is yours and will earn dividends as long as you keep it in the account. There are certain minimum balance requirements in order to earn dividends on other savings products.
What are the suffix numbers for my accounts?
Savings: None for Savings, Secondary Savings -02
Checking: -09, Secondary Checking -29
Club Accounts: -07 Christmas Club, -08 Travel Club
Money Market: -10
IRA: -20
Share Certificates: -30s
Loans: -50-99s
What is your routing number?
241075726
Are my accounts insured?
Each membership account is privately insured up to $250,000 per account by American Share Insurance. This is similar to the FDIC insurance that you may be familiar with, except that each of your accounts is insured for $150,000 more!
Checking Accounts
Does FFCCU charge a monthly fee for a checking account?
No. There are no monthly maintenance fees and no per-check fees for checking accounts. Other fees may apply for other options.
Is there a minimum balance requirement for a checking account?
No. Our checking account has no minimum balance requirement.
Do you offer overdraft protection on checking accounts?
Yes. Rather than returning unpaid any non-sufficient items that you may have, with overdraft privilege we will consider, without obligation on our part, payment of your reasonable overdrafts, as long as you maintain your account in good standing. The overdraft privilege limit is available and reflected in the ATM, Home Banking, and Trans-Act balances. The service requires no action on your part, no additional documents to sign, and costs you nothing unless you use the service. We will charge our normal non-sufficient funds or overdraft charges, as set forth in our fee schedules, for each item that would create an overdraft on your account.
Do you offer a debit/check card?
Yes, we offer FFCCU VISA Check Cards and ATM Cards. You must apply for and be approved to receive either card. The decision is based on your credit worthiness. Click here (PDF) to apply.
How do I place a stop payment?
You may place a stop payment by calling our office and requesting a stop payment request form. Certain fees apply. You can verify that your transaction was completed by calling Trans-Act at 216-694-3606 or checking your account through Home Banking.
Do you offer interest-bearing checking accounts?
Yes, our accounts currently offer very competitive rates. There is a minimum balance of $500 to earn interest. Click here to view our rates. Please note that at any time our Board of Directors may opt to discontinue interest payments on checking accounts.
Do you offer a business checking account?
Yes. Click here for more information.
Direct Deposit/Payroll Deduction
What is direct deposit and how do I sign up?
Direct deposit is simply a way of having money you normally receive by check sent directly to us, where it is automatically deposited into an account of your choice. To start a direct deposit to your account, provide our ABA/Routing Number: 241075726 and your FFCCU account number to the sender.
What is payroll deduction and how do I sign up?
Payroll deduction is available to any member whose employer participates in our payroll deduction plan. Payroll deduction saves you time every payday. You may have a portion of your paycheck sent automatically to FFCCU for deposit into one or more of your accounts, as specified. The amount of the payroll deduction may be raised or lowered at any time. To sign up for payroll deduction, pick up the necessary forms at your payroll department or visit or call any FFCCU location.
Transacting
How do I deposit my money at FFCCU?
Deposits are accepted at some STAR Network ATMs, by mail and at local branches. If there is not an ATM near you accepting deposits, you can mail your deposits to FFCCU, 2300 St. Clair Ave., Cleveland OH 44114 attn: Member Service Department. You can also visit your nearest branch for immediate deposit. We also accept direct deposit from most employers that currently offer the service.
How do I withdraw money from FFCCU?
You can withdraw funds at most ATMs nationwide using your Visa Check Card or ATM Card. Or you may call the Trans-Act Line at 216-621-4644, use Home Banking to have a check sent to you, or use your Visa Check Card to make purchases or withdraw funds from your checking account. Of course, you can always stop by your nearest location during office hours to make a withdrawal.
How do I request a wire transfer?
FFCCU can wire funds to institutions that are capable of receiving the wired funds. The member must provide FFCCU with the receiving institution's wiring instructions. The fee is $15 for outgoing wires (in the U.S.) is and $30 for international wires. FFCCU does not charge a fee for receiving funds from another financial institution. To wire funds from another financial institution to your FFCCU account, give the following instructions:
Corporate One Credit Union - Columbus, OH
ABA/Routing Number: 244084264
Credit To: Firefighters Community Credit Union
Account Number: 241075726
Further Credit: Member name and account number
Club Accounts
What type of club accounts do you offer?
Click here for full details on all of the club accounts offered at FFCCU.
How do I sign up for a club account?
Please stop by or call your nearest location.
Are there any fees?
There are no fees to open a club account.
Loans
What type of loans do you offer?
We offer a wide variety of loans, such as new and used auto loans, new and used boat/RV/motorcycle loans, signature loans, emergency loans, first and second mortgage loans, home equity lines of credit and Classic, Gold and Platinum VISA Cards.
What are your current rates?
Click here to view all of our current rates.
What happens if I prepay my loan?
There is no prepayment penalty on any of our loans.
How can I get a copy of my credit report?
Before applying for any loan, you should obtain and review your credit report. To order a copy of your credit report, contact one of the credit bureaus, such as Experian. There may be a fee for your report. Or you can also receive one free copy of your credit report each year by visiting: www.annualcreditreport.com.
I can't make it into your office during business hours. Are there other ways to apply?
Of course! You may print and mail in our application or call our 24-hour Phone-A-Loan service at 800-508-9203.
Mortgages
Do you offer mortgages and home equity/improvement loans?
Yes, we offer many different mortgage and home equity products. Please call or visit any of our locations for more information.
What are your mortgage rates?
We offer a wide range of mortgage products, each designed to meet the varied needs of our members. Please call or visit any of our locations to discuss various options.
Electronic Services
Where are your ATMs?
We have free ATM machines available for our members at our our Broadview Heights location (7976 Broadview Rd., Broadview Hts., OH 44147), west-side location (20333 Emerald Pkwy., Cleveland, OH 44135) and at Willoughby (4012 Erie St., Willoughby, OH 44094). You can also search for surcharge-free ATM machines throughout the U.S.
What are your ATM fees?
When you become a member, you will be able to use all CO-OP Network ATMs and Alliance One ATMs without a surcharge. Please note that other institutions may impose a surcharge fee for using their machines. After eight Debit/Check Card transactions (PIN number required) per month, a fee will be charged. Click here to locate the nearest surcharge-free ATM near you.
Do you offer a debit card?
Yes, we offer a VISA Check Card and an ATM Card. You must apply and be approved to receive either one. Click here (PDF) for an application.
What do I do if my VISA Check Card or ATM Card is not working?
ATM and VISA Check cards sometimes become de-magnetized, bent or cracked, contact us at 216-621-4644 to request a new card.
How do I report a lost ATM Card or VISA Check Card?
For a lost or stolen ATM or VISA Check Card, please call 800-528-2273.
Is there a fee for using your online Home Banking service?
No, this service is completely free to all of our members.
Is there a fee for using your online Bill Payer service?
No, this service is completely fee to all of our members that have a FFCCU checking account. Click here to sign up!
What can I do over the Trans-Act Line?
Click here to see a menu of options.
How much does it cost to use the Trans-Act Line?
The Trans-Act Line is free to all members. In fact, some transactions may have lower or no fees by using Trans-Act rather than requesting the transaction from Member Service. As of June 1, 2002 all transactions made over the phone with a live Member Service Representative will be $1.00. Please utilize the Trans-Act Line or sign up for Home Banking to avoid these fees.
What is the Trans-Act Line phone number?
216-694-3606
How do I get the Trans-Act Line to work?
To find out the different functions, click here.
What is the difference between Trans-Act Line and Home Banking?
The Trans-Act Line is our touchtone phone system for making inquiries and transactions. Home Banking is our free Internet-based service for managing your accounts.
