Stephens-Franklin Teachers FCU can help build a solid savings plan for you and your family. By simply making a deposit of $5.00 into a regular share savings account, you will have countless savings options to choose from. We offer:

  • Regular Share Savings
  • Share Certificates – $1,000. Minimum
  • Traditional, Roth and Education IRA’s
  • Christmas Club Accounts – non-interest bearing
  • Special Purpose Savings (Taxes, Vacations, etc.)

You will earn competitive dividends, which are compounded quarterly and saving can be easy with payroll deduction or direct deposit.

Share Draft Checking Account
We believe a checking account should offer convenience and affordability. You’ll get both at Stephens-Franklin Teachers FCU. With a low minimum opening deposit, you will receive the following benefits:

  • Free Checking
  • No Per Check Charges
  • Dividend-Earning Checking on Balances of $1000 or More
  • Overdraft Protection From Savings Account
  • ATM Services Via VISA Debit Cards

*No minimum balance required or monthly fee on Student Accounts or Golden Age Account (must be 55 yrs old or retired)


Stephens-Franklin Teachers Federal Credit Union offers a wide variety of loans* to help improve the quality of life of our members. Our payment schedules are designed to fit your budget and our loan applications make applying a quick and easy process.

  • New and Used Auto
  • Boat, Motorcycle and Recreational vehicles
  • Collateral
  • Real Estate
  • Continuing Education
  • Home Improvement
  • Personal
  • Share/Certificate Covered
  • Debt Consolidation
  • Home Equity
  • Loans for Bad Credit
  • Car Loans
  • Fast Cash Loans

*All loans are subject to credit approval.

Convenience Services

As a Stephens-Franklin Teachers FCU member, you may take advantage of any of the following convenient services, at any time:
Online Banking
Stay in touch with your credit union 24 hours a day to make account inquires, transfer funds between accounts and obtain your transaction history through our Online Banking system. Call us or stop by to get started with setting up your access to Online Banking.

Deposit Options

  • Payroll Deductions
  • Direct Deposit

Insurance Programs

  • Credit Life Insurance
  • Credit Disability Insurance
  • No fee $2,000 Accidental Death and Dismemberment Insurance

Other Services

  • Authorized Sharedraft Debits
  • Lifetime/Family Memberships
  • Debit/ATM cards
  • Free Notary Service
  • 24 hr ATM
  • Night Deposit
  • Online Bill Pay
  • Cash Advance