Savings and Checking Accounts

Savings Accounts

  • All members must have a savings account and maintain a minimum balance of $5.
  • It serves as your primary account at the Credit Union and establishes your membership.
  • Competitive dividends are paid quarterly on balances of $500 or more.
  • Deposits can be made conveniently in person, by payroll deduction, or by mail.

Checking Accounts

  • No monthly service charge
  • No minimum balance required
  • No per check charge
  • Debit card to access funds
  • Audio Response to access account information
  • Overdraft Protection
  • Automatic Bill Payments

Money Market Accounts

  • $2,500 minimum balance.  $25 fee if balance falls below minimum during the month.
  • Maximum of 3 checks or withdraws each month.  Minimum withdraw or check is $250.
  • $9.99 fee per cash or check withdraw if more than 3 withdraws per month
  • Free basic checks to accountholders
  • Account may be closed if it falls below the $2,500 maximum for a period of 90 days or more
  • Competitive dividends paid monthly on account.  Visit our rates page to learn more. 

Christmas Club Accounts

  • The Credit Union makes savings for the holidays easy with our Christmas Club Account.
  • Make deposits conveniently in person, by payroll deduction, or by mail
  • Funds from the account are transferred into your savings account in early November just in time for holiday shopping.
  • Credit Union pays competitive dividends.

Share Certificates of Deposit

  • Many terms are available from three months up to four years with a minimum $500 investment.
  • Start saving TODAY!

Individual Retirement Accounts

  • A Credit Union IRA is a great way to save for the future.
  • Traditional, ROTH, Coverdell Education Savings Accounts are available and can be invested in regular share or certificates.
  • Your deposits are insured up to at least $250,000 by the NCUSIF.
  • IRAs are available in IRA Savings Accounts or 1,2,3,4 year or 14 month IRA certificates.

Youth Accounts

Ages 0 - 12

  • $5.00 minimum opening balance on share account.
  • Dividends paid on balances of $5.00 and above in the account.

Ages 13 - 18

  • $5.00 minimum opening balance on share account.
  • If under age 18, an adult must be on the account as well.

Golden Checking Accounts

Special Checking Account for members age 55 and older. Benefits include:

  • Free Basic Checks
  • Dividends paid on account balances of $1,000 or more.
  • No Minimum Balance and No Monthly Surcharge

For more information, visit our rates page.

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