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.
High Yield Money Market
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
Certificates
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.