Savings Accounts

Secure Savings

We know how important saving money is to our members. Our savings accounts offer a variety of dividend rates, low minimum balances, and your deposits are insured up to $250,000. Accessing your account is easy. It is conveniently available by phone through ART (Audio Response Teller), the Internet, or at thousands of ATMs nationwide. You have total control over your funds 24-hours a day. Plus, convenient services such as direct deposit, payroll deduction and automatic transfer are available to make saving even easier. You will systematically receive statements for easy record keeping. 


Opportunity Money Market

Our Opportunity Money Market is a type of savings account that earns a higher amount of interest than our regular Secure Savings account. If you are planning to save your money for a rainy day while watching your account grow, our Opportunity Money Market is right for you!

 

• Minimum amount to waive monthly fee for this account is $2,500 otherwise a
  service fee of $10 will be charged each month.

• No minimum amount required to start earning dividends.

• $500 minimum to open.

• Access your Opportunity Money Market through ATM's.

Receive a BOOST in your dividend rate if you have an active checking account! See our rate table more details.

Share Certificates

If you're fortunate enough to have some extra savings and want to earn higher dividends than you secure savings, checking or opportunity money market account, consider a share certificate. A share certificate account is similar to a certificate of deposit (CD), but it is issued by a credit union, rather than a bank. You cannot withdraw your funds during the pre-selected length of the term without penalty, but you will most likely earn a higher rate than any of the above-mentioned options. Here are a few more reasons why you may want to invest in a share certificate:

Guaranteed or fixed rate of return

There are no unknowns when you invest in a Share Certificate. You pick the deposit amount, the term and the rate. As long as you don't withdraw the funds, you'll be able to calculate your dividends upon maturity at the onset of your investment. No worries here!

Short- and long-term investing

With terms between 3 months and five years, you have a wide range of investment options. Before we introduced our new Shared Certificate features, members would determine their terms depending on how soon they thought rates might change. Now we offer a one-time rate bump if rates increase throughout the life of your term. Keep in mind, the longer the term, the higher the rate. Likewise, the shorter the term, the fewer dividends you earn.

Low initial opening deposit

You can open a share certificate with as little as $500! For higher deposit amounts, jumbo accounts are available and they generally earn a higher rate.

Special features

Our Shared Certificates are one of the most flexible out there. Withdraw as much as 50% of your total funds with no withdraw penalty. How does having your money available to you while earning high dividends sound?

Federally insured

Share certificates are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a US government agency, so you know your funds are safe and sound.


Check out our Share Certificate rates!

Retirement Accounts

Individual Retirement Accounts help you gain tax advantages – and who doesn’t want that? You can choose from a Traditional, Roth, Coverdell, or SEP IRAs. With a minimum of $50 to open, you receive a variable rate of return, dividends are paid monthly, and interest earned may be tax-deferred or tax-free. IRA certificate accounts are also available at fixed rates.

 

View Rates