Savings Accounts

 Cash Management

The Flexible Savings Account

Cash Management Savings is our standard savings account. Interest on this account is accrued daily and paid monthly.

• Great tiered interest rates

• No minimum balance when you own additional accounts

  • A $10.00 per month Non-Relationship fee will be assessed if the account has no activity for six months and the combined balance on all members’ accounts is less than $100.00

• 3 free withdrawals per month

  • A charge of $5.00 is assessed to each withdrawal/transfer in excess of 3 per month

Holiday Club

Making the Holidays Even Better

Already making your list and checking it twice? Then a Holiday Club account may be perfect for you. This account is especially designed for holiday savings. Deposits can be made year round and your savings is available to you for holiday purchases.

• Free withdrawals when made between October 1 – January 31

  • Withdrawals made between February 1 and September 30 will be assessed a $10.00 fee

• $25.00 minimum to open account

Money Market

Flexibility and Security

Our Money Market account is a risk-free savings account. It pays a higher interest rate than a share account and has a tiered interest feature. This means the higher your balance, the better your interest rate. Interest on this account is accrued daily and paid monthly.

• Great tiered interest rates

• $2,500.00 opening/minimum balance*

• 6 free withdrawals per month*

• Checking options available*

*See rate and fee schedule for complete details and Annual Percentage Yield.

Earning Power

Are you’re looking for an account with a higher interest rate than a standard savings account but with more flexibility than a CD? Then our Power Money Market is the account for you! Balances over $10,000.00 currently earn a High Annual Percentage Yield.

• $2500 minimum to open account

• $10,000 minimum to earn higher A.P.Y.

• 3 Free withdrawals/transfers per month

• No monthly fees unless minimum balance falls below $2500 

Requirements

• Available only to new money deposited into the credit union. 

*See rate and fee schedule for complete details and current Annual Percentage Yield.

IRAs

Your Future Will Be Here Before You Know It

It’s never too early to begin securing your financial future with an IRA (Individual Retirement Account). There are few better ways to do that than with an IRA. We offer both Regular (Traditional) IRAs and Roth IRAs. Both IRA plans are available as savings accounts or certificates.

Traditional/Regular IRA is a tax-deferred retirement account. This account grows tax-deferred until you begin to take distributions. Distribution may be taken penalty free after you turn age 59-1/2 or qualify for other reasons. You are required to begin taking minimum distributions every year after reaching age 70-1/2.

Roth IRA is a tax-advantaged retirement account. If you keep a Roth IRA for at least five years and are at least age 59-1/2 when you begin to withdraw from the account, the entire account may be distributed tax- and penalty-free. Your entire balance may also be distributed tax-free and penalty-free if you have held the account for at least five years and are disabled, are taking out up to $10,000.00 to buy a first home, or payments are being made to a beneficiary or your estate after your death.

• The minimum to open an IRA savings account is $25.00

• The minimum to open an IRA certificate is $1,000.00

Bang For Your Buck

In today’s volatile market, certificates are one of the best investments you can make. Few savings investments can guarantee a return higher than a certificate. We offer certificates from 6 to 60 months, all of which pay interest monthly. The right certificate for you depends on your short and long-term financial needs.

Our Certificates rates are among the best in the area.*

• Only $1,000.00 to open

• Short and long-term options

*Rates are subject to change until the certificate is opened. After the certificate is opened the rate will not change until maturity. A penalty may be imposed for early withdrawal.

Little Piggy

This Little Piggy Saves You Money

It’s never too early to start saving for the future. That’s why we offer the Little Piggy Savings Account for kids 14 and under. This savings account is a great way to help teach your kids how to save. It earns a high interest rate and comes with a free piggy bank. And as with all our savings account, interest is accrued daily and paid monthly.

• Ages 14 and under

• No minimum balance

• No fees

• High interest rates on first $500.00*

• Free piggy bank for you to take home

*Interest on account is tiered. See savings rates for current rate information. Rates subject to change without notice.

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Checking Accounts

Payback

No Hidden Fees

If you’re tired of hidden fees and hassles at banks, this is the account you have been waiting for! We not only give you free ATM transactions, but we will also pay you 10¢ back on all signature-based Debit Card purchases!

• Free ATMs worldwide – Use any ATM without additional fees

• ATM surcharge rebates of $5.00 or less with a maximum of 6 transactions per month – we’ll rebate you the surcharge at the end of the month*

• $0.10 back on each Debit Card purchase**

• Free Home Banking – access your accounts 24/7 via our website or telephone

• Free Online Bill Pay – pay your monthly bills

• Free online check images – see copies of your checks online as soon as they clear your account

• Free Mobile App – have the power to view balances, transfer money and deposit checks all at your fingertips

• Free “Pay a Person” - send secure person to person payments

• Free Instant Issued VISA® debit card – don’t wait for a debit card to be mailed to you. Open an account at our main financial center and walk out with a VISA® debit card in hand

• Courtesy Pay – never worry about having a check returned due to non-sufficient funds. Courtesy Pay will cover your checks up to $750.00***

• Loan rate discounts – receive a 10 basis point discount on most Prestige loans****

• Unlimited check writing/debit card use – use your checkbook/debit card as often as you wish

• No monthly fees

• No minimum balance

• Direct deposit required*****

• Direct deposits made up to 2 days early.******

*We rebate any domestic non-Prestige ATM surcharge of $5.00 or less with a maximum of 6 transactions per month. Fees over $5.00 will not receive a partial refund. Refunds are made at month end.

**$0.10 rebates valid on all signature-based debit transactions over $0.99. Select the “Credit” option on all transactions, do not enter PIN. The credit union reserves the right to determine if transactions processed under the $0.10 cash back program are usual and customary. For transactions that are not usual and customary, they are 1) not eligible for the rewards payment and 2) may result in a loss of check card privileges and any accrued rewards cash.

***Account must be open for at least 60 days. A $33.00 fee will be charged per paid item.

****Discount is applied when member selects to make loan payments via automatic draft from a Prestige account. All loans are subject to credit approval.

*****Direct deposit must be made at least monthly. First direct deposit must be made within 60 days of opening the account. Minimum direct deposit amount is $400.00 per month. Direct deposit must be an ACH of an employer paycheck, pension or government benefits. Person to Person or Account to Account transfers are not considered a direct deposit.

******Early direct deposit funds depends on the timing of the payment file from the payer. We make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

Rewards Checking

You’ve Earned a Reward

We think you should be rewarded for loyally using your checking account. What better reward is there than a great interest rate on the money you keep in the account? That’s why we created Rewards Checking just for you. We don’t think you’ll find a better checking product anywhere!

• Earns high Annual Percentage Yield on balances up to $15,000.00* (See current rates page)

• Free ATMs worldwide – use any ATM without additional fees

• ATM surcharge rebates of $5.00 or less with a maximum of 6 transactions per month. We’ll rebate you the surcharge at the end of the month**

• Free Home Banking – access your accounts 24/7 via our website or telephone

• Free Online Bill Pay – pay your monthly bills

• Free online check images – see copies of your checks online as soon as they clear your account

• Free Mobile App – have the power to view balances, transfer money and deposit checks all at your fingertips

• Free “Pay a Person” - send secure person to person payments

• Free Instant Issued VISA® Debit Card – don’t wait for a check card to be mailed to you. Open an account and walk out with a VISA® debit card in hand

• Courtesy Pay – never worry about having a check returned due to non-sufficient funds. Courtesy Pay will cover your checks up to $750.00***

• Loan rate discounts – receive a 10 basis point discount on most Prestige loans****

• Unlimited check writing/debit card use – use your checkbook/debit card as often as you wish

• No monthly fees

• No minimum balance

3 Simple Requirements

• $400.00 Monthly Direct Deposit*****

• eStatement – Sign up to receive electronic statements on Home Banking

• Must complete 15 debit card transactions per month

*Annual Percentage Yield. Minimum direct deposit of $400.00 per month required. 15 debit card transactions with a $5.00 minimum per transaction must be completed on monthly statement cycle. Must sign up to receive eStatements (electronic statements) through Home Banking. See Rate and Fee Schedule for A.P.Y. if terms not met or for balances above $15,000.00. Subject to change at the discretion of the Board of Directors.

**We rebate any domestic non-Prestige ATM surcharge of $5.00 or less with a maximum of 6 transactions per month. Fees over $5.00 will not receive a partial refund. Refunds are made at month end. All requirements must be met to receive rebates.

***Account must be open for at least 60 days. A $33.00 fee will be charged per paid item.

****Discount is applied when member selects to make loan payments via automatic draft from a Prestige account. All loans are subject to credit approval.

*****Minimum direct deposit of $400 per month required. Direct deposit must be an ACH of an employer paycheck, pension or government benefits. Person to Person or Account to Account transfers are not considered a direct deposit.

Mega Interest

The Ultimate Checking Account

This checking account not only pays a great interest rate, it is loaded with free features.

In Addition to our standard Checking Offers you also get:

• Great tiered interest rates – the more you keep in your account, the higher the interest rate

• Free ATM withdrawals – you’ll never be charged a fee when you use Prestige and CU Here locations

• Free Home Banking – access your accounts 24/7 via our website or telephone

• Free Online Bill Pay – pay your monthly bills

• Free online check images – see copies of your checks online as soon as they clear your account

• Free Mobile App – have the poser to view balances, transfer money and deposit checks all at your fingertips

• Free “Pay a Person” - send secure person to person payments

• Free Instant Issued VISA® Debit Card – don’t wait for a debit card to be mailed to you. Open an account at our main financial center and walk out with a VISA® debit card in hand

• Courtesy Pay – never worry about having a check returned due to non-sufficient funds. Courtesy Pay will cover your checks up to $750.00*

• Unlimited check writing/check card card use – use your checkbook/check card as often as you wish

• No monthly fees

• No minimum balance

• No direct deposit required

• Opening balance – $25.00

*Account must be open for at least 60 days. A $33.00 fee will be charged per paid item. Direct Deposit required to have Courtesy Pay.

Fresh Start Checking

The Second Chance You’ve Been Waiting For

If you’ve had difficulties qualifying for a quality checking account, this may be the account for you.

In Addition to our standard Checking Offers you also get:

• Free Instant Issued VISA® debit card – don’t wait for a debit card to be mailed to you. Open an account at our main financial center and walk out with a VISA® debit card in hand

• Free ATM withdrawals – you’ll never be charged a fee when you use Prestige and CU Here locations

• Free Home Banking – access your accounts 24/7 via our website or telephone

• Free Mobile App – have the poser to view balances, transfer money and deposit checks all at your fingertips

• Free “Pay a Person” - send secure person to person payments

• Free Online Bill Pay – pay your monthly bills

• Free online check images – see copies of your checks online as soon as they clear your account

• Unlimited check writing/debit card use – use your checkbook/debit card as often as you wish

• No minimum balance

• $10.00 monthly fee with direct deposit*, $15.00 monthly fee without direct deposit

*Direct deposit must be made at least monthly. First direct deposit must be made within 60 days of opening the account. Minimum direct deposit amount is $400.00 per month. Direct deposit must be an ACH of an employer paycheck, pension or government benefits. Person to Person or Account to Account transfers are not considered a direct deposit.

Members that have a Fresh Start Checking Account are eligible for a Mega Interest or Payback Checking Account if they refrain from any negative activity on their account for six months. They must complete the CheckRight program and pass the final quiz with a score of 80 or better and have the results emailed to the credit union. The request for the upgraded account must be made by the member, it is not done automatically.

CheckRight

Interested in opening a checking account but unsure where to start?

A checking account is one of those financial tools that make a big impact on your overall financial health and wellness. This learning tool sets you up for success by improving your confidence and attitude around healthy checking account practices. It’s also an excellent resource for individuals who may have struggled in the past and are seeking to set themselves up for success in the future.

Those who complete the CheckRight digital learning experience are better able to:

• Understand the basics when opening a new account.

• Learn good checking account habits and how to overcome challenges and resolve overdrafts.

Next Steps to Improve Your Financial Picture

Improving your financial picture starts with free education available via GreenPath’s LearningLab+.

Create your account now to access interactive online courses to improve financial habits, manage credit and debt, use a checking account and more.

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Courtesy Pay

Courtesy Pay is a service that adds an extra level of protection to your Prestige checking account. Courtesy Pay covers your insufficient funds checks (NSF) up to your approved limit for one fee per transaction. That means instead of returning a check to the merchant because of insufficient funds, Prestige pays your check, saving you from additional fees charged by the merchant. Most importantly, it saves you the embarrassment an inadvertent overdraft can cause.

Everything You Need to Run Your Sole Proprietorship

For your business to be successful, you need a great checking account. We offer you two great options to fit your needs. Whichever one you choose, you will get a free VISA® Check Card, free Online Banking & Bill Pay, free 24-hour access to our Audio Line, and free notary services.

Checking Accounts

Primary Business Checking

Our basic business checking account offers an array of services for companies that have minimal transaction needs. You get 100 free items processed per month and our low monthly fee is waived when you maintain a minimum balance of $500.00 or more.

Advantage Business Checking 

This business checking account offers all the great benefits of the Primary Business Checking, but with the ability to earn dividends on your account. You get 250 free items processed per month and our low monthly fee is waived when you maintain a minimum balance of $1000.00 or more.

For more information about our Business Services, give us a call at (972) 715-4444.

Need More Information?

Contact Us Now!

Let’s Start Something Great

Click on the category below that applies to you and follow the instructions. Applications received during after-hours will be processed the next business day. Please note that you may need to turn off your pop-up blocker to access these online applications.

Membership is open to anyone who meets one of the following requirements:

• Lives within a 10 miles radius of our main financial center at 15203 Knoll Trail #101, Dallas, Texas 75248 or our McKinney Branch at 6801 S. Custer Road McKinney, TX 75070

• Works within 10 miles of our main financial center or McKinney Branch

• Attends school within 10 miles of our main financial center or McKinney Branch

• Attends church or worships within 10 miles of our main financial center or McKinney Branch

• Is employed by one of our Select Employee Groups

• Is a family member of an existing Prestige member

• The 10 mile radius includes several zip codes

If you meet one of the above criteria, you are eligible to join Prestige!

Refer a Friend

Tell A Friend…and Get Up to $200.00 Each!

If you’re happy with the service you receive at Prestige Community Credit Union, consider the rewards of making a referral. We’ll make it worth your while by giving you and your friend $100.00 each if they open either a Rewards or Payback Checking account with Direct Deposit. Even better, if your friend gets a loan with us, you each get another $100.00! That’s right, up to $200.00 for each of you!

Simply fill out the form below and submit. If you have any questions, give us a call at (972) 715-4444. We’re happy to help!

Member Referral Rewards – Program Rules

To qualify for the referral reward, all parties must be at least 18 years of age. Member must be in good standing with Prestige Community Credit Union. Credit union employees, officials, and members of their immediate families are not eligible to receive referral rewards. The referred person must meet credit union membership and loan eligibility requirements.

To receive the rewards, the referred person must open either a new Rewards or Payback Checking account with direct deposit within 60 days, $100.00 will be paid when a minimum direct deposit of $400.00 per month is completed. For $100.00 loan reward a new Prestige loan must be opened within 60 days of beginning membership. Minimum loan amount to qualify for reward is $10,000.00.

The referral reward will be deposited into the member’s Prestige Community Credit Union Savings Account. Referral Reward may be subject to income tax reporting. Offer expires at the discretion of the Board of Directors. Not valid in conjunction with any other offer. Conversion accounts do not qualify for rewards.