Savings Opportunities

  Primary Share Account
  Share Draft Account
  Club Accounts
  Senior Savers Club
  IRA Accumulation Savings Account

Deposits can be made at our secure night drop to any savings or share draft (checking) account in the following manner:

Payroll deduction (a portion of your paycheck)
Direct deposit (all of your pay check)
Mail-in deposits
Wire Transfer
In person at any of our locations
Night drop at 1111 East Third Street branch

Each member will receive all required disclosure statements which includes fees and other charges when their savings account is open or by contacting us at one of our locations. Rates may change as determined by the board of directors.

• Basic Share (savings) account with an initial deposit of $25 which is required to be a member. This deposit is returned to you should you leave membership.
• Dividends are paid quarterly
• Quarterly statements with this account.
• ATM/POS cards are available with either payroll deduction or direct deposit.
• This account can be used as collateral for a loan making you eligible for an even lower loan rate.
• ANDY (Any Necessary Details Yourself), Audio Attendent
• Pre-authorized payments via ACH with no fee.

 

Share Draft (Checking)

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• Dividends paid quarterly, if your balance stays above $200 for the whole quarter.
• Detailed monthly statements
• Minimum deposit $25
• No minimum balance requirement
• No monthly service charge if your balance stays above $500
• Personalized duplicate checks (carbonless copies) in a variety of styles
• Unlimited check writing
• Overdraft protection from your Share (savings) account
• Overdraft loan protection, available to qualified members
• ANDY (Any Necessary Details Yourself), Audio Attendent
• Pre-authorized payments or deposits via ACH with no service fee
• ATM/POS card access thru the nationwide Moneybelt, Plus and Pulse.   Can also be used as a Point-of-Sale card
• Member Privilege overdraft protection

Holiday or Vacation club accounts

• Special Share (savings) for a particular purpose
• Open with as little as $5
• Holiday club accounts are ready to withdraw the last pay/period in October
• Vacation club accounts can be withdrawn anytime
• Painless way to save for a special occasion
• Dividends are paid quarterly
• Quarterly statements
• This account can be used as collateral for a loan making you eligible for an even lower loan rate.
• ANDY (Any Necessary Details Yourself), Audio Attendent
• Open at any time
• Accounts are automatically renewable

We honor our Senior Savers with a special club just for them. If you are 55 years old or WISER, you are eligible to become a Seniors' Savers Club member. There is no fee to join. All you have to do is open a Seniors' Savers Club account with as little as $800. Maintain that balance and you are an honored member. Here is what you get.

• Dividends above the regular share rate
• If you have a Share Draft (checking) account, no monthly service fee and unlimited check writing
• Unlimited withdrawals from any of your Share (savings) accounts except those prohibited by Regulation D.
• No fee for money orders
• Discounts on vacation spots and ADDITIONAL discounts on ticket sales
• Free Notary Service
• Two free box of checks per year (basic style-175 checks)
• Loan rates below the stated rate
• A free gift on your birthday

An Accumulation IRA (Individual Retirement Account) can be a great way to save for those retirement years. Plus, you may be able to defer paying taxes. Please consult your tax advisor to see if you are eligible for this benefit. Other IRS restrictions may apply.

• Deposits can be made any time you want and for any amount up to the allowable maximum per the IRS. IRS time restraints may apply.
• Deposits can be made through payroll deduction
• Withdrawals can be made with no penalties from the Credit Union, however, a penalty may apply with the IRS.
• Quarterly statements
• Easy conversion to an IRA certificate account once your balance reaches $1,000
• Low annual fee
• Transfers allowed from other IRA accounts or retirement plans
• New Roth and Coverdell Education Savings Accounts available