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Share (Savings) Account
Your share account is
the basic savings account that
establishes your credit union
membership.
Dividends are paid on the entire
balance (balances are tiered such
that, the higher the balance - the
higher the rate), calculated on the
average daily balance, paid and
compounded quarterly. There are no
start up fees or periodic
maintenance fees on any of our
savings accounts.
Club Accounts
Whether it's saving
for Christmas, vacation or any
special purpose, club accounts help
you meet your goals and earn
dividends.
If you also have an active share
draft (checking) account and Visa
Debit card, your Christmas and
Vacation club accounts will earn you
an 8% rate of return!
Share Draft (Checking) Account
Here's the better
alternative to bank checking, our
credit union share draft account.
Credit union drafts are used just
like checks - to pay bills, make
purchases, get cash - but with
important advantages, like NO
service fees for regular use, NO
minimum balance requirements, NO per
check charges - AND we pay you
dividends
on the average daily balance!
Monthly statements are provided for
your convenience.
Overdraft protection is
available.
Individual Retirement Account (IRA)
This is a great way
to save for a comfortable retirement
while earning tax-deferred interest
on your money. We offer a variety of
IRA programs with highly competitive
rates AND no matter how low rates
market rates may go – our goals is
to never go below 4%. We realize how
important your retirement funds are!
Coverdell
Educational Savings Accounts (ESA)
This is a great way
to save for a child’s education.
Although contributions are not
tax-deductible, distributions used
to pay for most educational expenses
are generally tax-free. These
accounts can be used in addition to
most State or other educational
programs and pay for many expenses
not covered by others. Also, these
accounts can be transferable and
almost anybody can make
contributions! Our ESA rates will
always equal or exceed our IRA
rates.
Share Certificates
We offer a variety of
certificate accounts paying
competitive
rates on a minimum investment of
$10,000 with various terms. We have
discretion to match any local rate
offerings!
NCUA Share Insurance
Each member's account
is federally insured to at least
$250,000 and backed by the full
faith and credit of the National
Credit Union Administration, a
United States Government Agency.
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