Membership - open to any eligible person. Simply fill out an application, make a deposit ($5.00 minimum), and pay a one-time $15.00 membership fee. The deposit establishes your Master Share Account (savings), a requirement for continued membership.
Master Share Account - your basic savings account. Dividends are compounded and paid quarterly.
Share Draft Accounts - a “better checking account” - best choice for those who have frequent transactions. You buy your “checks.” There are no minimum charges or routine monthly service charges. There are charges for non-sufficient funds transactions, stop-payment orders, photocopies of cleared drafts, and an annual fee for debit card access. Funds may automatically be transferred from other accounts you may have in the credit union (in which you have legal interest) to clear drafts if funds are not available in your Share Draft Account, with your written authorization.
Share Certificate Account - time deposits are funds you allow to remain in the credit union for a specified period of time. These Share Certificates earn higher dividends. Once purchased, the rate remains unchanged until the certificate matures. Share Certificates are automatically renewed at maturity at the prevailing dividend rate. Share Certificates are available at terms ranging from 6 to 36 months. Dividends are paid and compounded monthly. You select the method to receive your dividend. . . applied to your Share Certificate balance, check payment directly to you or deposited to another account within the credit union.
Special Use Savings Account - a savings account with limited withdrawal access for you to use for any “Special” purpose - like Christmas, school tuition, vacation, insurance or whatever. Earns daily dividends paid at the time of withdrawal.
Share Plus Investment Account - a super money management account. Highest dividends based on day-in to day-out computation on account balance(s). The Share Plus Investment Account requires a minimum balance of $2.500, a minimum deposit of $500, and a minimum of $250 for checks and withdrawals.
Individual Retirement Accounts (IRA) - available to members having income from full or part-time employment. Your credit union consistently pays higher dividends on IRA account - and no “lock in.” In addition to the tax advantage and the dividends earned, and IRA account gives you control of your financial future at retirement.
Insured Savings - to at least $250,000.00 through the National Credit Union Administration (NCUA), a U.S. Government Agency. Note: Your IRA account is insured separately from your other individual accounts with the credit union, for up to an additional $250,000.00
Borrowing At Your Credit Union - always a good deal. We make loans for many different purposes and it’s as easy as
1. Fill out application form.
2. Submit a recent payroll stub or income verification.
3. Approval - loan requests are acted upon as promptly as possible. If the application is incomplete or additional information
Is needed, the final decision may be delayed.