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Savings/Regular Shares

A share account is the primary account opened when becoming a member. This account offers unlimited transaction and competitive dividends. It can be used for overdraft protection on your checking, secured funds for "Share Secured Loans", and is an excellent way to put aside money!

Checking/Share Draft

Our Share Draft account is a great way to write checks and use a Debit card without paying large fees!

• NO service charge or monthly fee
• NO minimum balance required
• NO per check fees
• Overdraft Privilege available
• ATM/Debit cards available (NO monthly fee! See Services)

We also have our REWARDS CHECKING...earn dividends on your checking account and NO FEE!

That's right...you can earn dividends on your checking account by meeting certain requirements and there is NO FEE for not doing the requirements, you just don't earn dividends that month.

It's that simple...sign up for Rewards Checking then either do the simple requirements and earn dividends or don't do the requirements and it's just a normal checking!

All you have to do is:

• E-statements
• Login to Home Banking at least 1 time a month
• Payroll Direct Deposit of at least $300 a month
• Use your Debit Card at least 10 times a month

That's it! If you do those 4 things every month you will earn monthly dividends! If you miss a requirement one month you just don't earn dividends that month. Sign up today!

Contact the credit union for more details

Certificate of Deposit

Certificate accounts offer excellent interest rates that are higher than Regular Share accounts. They have a minimum deposit of $1,000 and offer terms of 6, 12, 18, 24, or 30 months.

Log into It's Me 247 (online banking) for current interest rates!

High Yield

This account is a great way to save money with higher interest rates and still have access to your money! Log into Online Banking to view the great rates!

• Minimum balance of $2,000
• The higher the balance the higher the dividend rate!
• 4 free withdrawals a month

IRA/IRA CD's

We offer Traditional IRA's, Roth IRA's, and IRA Certificates.

Traditional:

• Tax-deferred earnings (possibly tax deductible)
• When you withdraw it will be treated as taxable income
• Can withdraw after age 59 1/2
• Must take required minimum distributions at age 70 1/2

Roth:

• Not tax deductible
• Can withdraw tax-free after funds have been the account for at least 5 years or you're older than 59 ½, first-time home buyer, or disabled/die
• Can contribute to a Roth if your AGI is less than $160,000 or less than $110,000 for single filers.
• Do not have to take distributions when you reach age 70 1/2

New IRA Contributions!

• $4,000 a year in 2005-2007
• $5,000 a year in 2008
• Limit will adjust annually in $500 increments starting in 2009

Those who are age 50 and up have a catch-up deal!

You can contribute an extra $500 a year from 2002-2005 and an extra $1,000 a year starting in 2006 and thereafter!

For more information, contact the credit union.

Christmas Club

Do you always feel you never have enough money for the holidays? Use our Christmas Club to help you save. You can deposit as much money as you want throughout the year and on October 1st we will automatically deposit your Christmas Club balance into your savings. It's a great way to help with Christmas shopping!

Vacation Club

Our Vacation Club is another way to save money for a special getaway. You deposit money throughout the year and May 1st we automatically deposit your balance into your savings. What a great surprise to start your summer!