Deposit Products

Deposit Account Disclosure

Regular Share Accounts:
Our Regular Share account establishes membership in the credit union with a $25.00 deposit. A $5.00 monthly service fee is charged to the account if the balances between all active accounts under the same number fall below $250.00. Dividends are computed and paid quarterly. Once this account is open, members may utilize the other products and services of the credit union.

Checking Accounts (Share Draft Accounts):
Our Advantage Checking (Share Draft) account features no minimum balance requirements, unlimited check writing, direct deposit, online access with bill pay, Visa debit cards with unlimited transactions and identity theft protection through IDProtect. With Advantage Checking, you receive all of the above listed services and more for a $3.95 monthly fee (our members 60 and over, the fee is $1.95 per month).

Our Basic Checking (Share Draft) account offers the same services as the Advantage Checking with the exclusion of the identity theft protection through IDProtect.

Overdraft Protection is available with credit approval.

Money Market Accounts:
Our Money Market account provides options to earn a higher interest rate with easy access to funds. The minimum balance of $5,000.00 is required to open this account and will earn a higher rate of interest than the regular shares. Dividends are accrued on a tiered-scale (based on the total funds in the account) and are paid quarterly.

Christmas Club/Special Savings Accounts:
Our Christmas Club account allows our members to make deposits throughout the year to save for Holiday expenses. The funds in the account are either mailed to our members in the form of a check or can be transferred to the regular share account during the first week of November.

Special Savings accounts may be used for a variety of purposes such as saving for a vacation, a special event, etc.

No minimum balance is required to open the Christmas Club or Special Savings account.

IRA Accounts:
Our IRA account(s) are a low-cost way for our members to save towards retirement. We offer Traditional, Roth and Coverdell IRA accounts. Deposits are voluntary and can be made throughout the year. Dividends are computed and paid quarterly.

Term Certificates:
Our Term Certificates are a fixed-rate deposit account. Funds are locked in for a specific term and generally pay higher interest than the Regular Savings account. For more information regarding rates and terms, speak to a Member Services Representative.


This credit union is federally insured by the National Credit Union Administration.
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