Savings Accounts

Savings Account

As a credit union member, your savings account will be the first thing you receive when you join.  You can begin earning dividends with as little as $100.  Grow your savings effortlessly by scheduling automatic deposits using BranchLine or with direct deposit through your employer.  The more you save, the more you earn!

There's absolutely no risk, your earnings are guaranteed, and your savings are federally insured up to at least $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency.  The NCUA Tool Kit or NCUA calculators can explain more and help to determine your coverage amount.

Our savings account features:

Low, $5 minimum opening deposit

It only takes minutes to open an account today!

IRA options may provide tax benefits. We recommend that you speak with your tax advisor for details.

Money Market Account

Money Market Accounts pay higher dividends than traditional savings accounts without sacrificing liquidity.  That means your balance is available for withdrawal at any time.  Rates are tiered, so typically, higher balances earn greater returns.

There's absolutely no risk, your earnings are guaranteed, and your savings are federally insured up to at least $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency.

Our money market accounts feature:

It only takes minutes to open an account today!

Certificate Accounts

Certificate accounts typically pay higher rates than traditional savings accounts.  Simply choose the length of time or “term” and receive a guaranteed rate.  We offer three certificate options:  Regular, IRA or Coverdell Education Savings (ESA).

There's absolutely no risk, your earnings are guaranteed, and your savings are federally insured up to $250,000 by National Credit Union Administration.

Our certificate accounts feature:

  • Competitive dividend rates
  • Flexible terms – choose from 6 months to 5 years
  • $1,000 minimum opening deposit
  • $100 minimum opening deposit for members 23 and under
  • $500 minimum opening deposit for IRA or Coverdell Education Savings options
  • No monthly fees
  • Dividends are compounded and paid monthly
  • Fund your account with a free online online transfer from another financial institution

It only takes minutes to open an account today!

IRA and ESA options may provide tax benefits.  We recommend that you speak with your tax advisor for details.  Fees may reduce earnings and a penalty may be imposed for early withdrawals.

IRA Savings Account

An Individual Retirement Account (IRA) may be a smart investment and an important part of a diversified portfolio for your retirement planning.  Traditional and Roth IRAs or Coverdell Education Savings (ESA) accounts allow you to save with possible tax benefits.

There's absolutely no risk, your earnings are guaranteed, and your savings are federally insured up to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency.

IRA choices:

  • Traditional – contributions may be tax deductible, earnings are tax deferred
  • Roth IRA – contributions are not tax deductible, qualified distributions may be tax free
  • Coverdell Education Savings – save money for education with tax benefits

Investment options:

  • Savings
  • Certificates
  • Money Market

To open an IRA account or for more information, please call a member service representative at (888) 858-6878.

IRA and ESA options may provide tax benefits.  We recommend that you speak with your tax advisor for details.  Additional penalties may be assessed by federal and state tax authorities under regulations governing IRAs.

Education Savings Account

A Coverdell Education Savings Account (ESA) may be a smart investment and an important part of planning for education expenses. Save for education on a tax-favored basis with savings, money market or certificate options. We recommend that you speak with your tax advisor for details.

There's absolutely no risk, your earnings are guaranteed, and your savings are federally insured up to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency.

Here's how it works:

  • Contribute up to $2,000 per year, per child
  • Contributions are made with after-tax money
  • Earnings are tax-free
  • Withdrawals for qualified education expenses are tax-free
  • Funds can be used for qualified higher education as well as qualified K-12 tuition and expenses
  • The beneficiary (child) must be 17 or under to be eligible for an ESA

To open an ESA account or for more information, please call a member service representative at (888) 858-6878.

ESA options may provide tax benefits. We recommend that you speak with your tax advisor for details. Stated contribution limits are for 2014 tax year and may change for future tax years. Fees may reduce earnings and a penalty may be imposed for early withdrawals. Additional penalties may be assessed by federal and state tax authorities under regulations governing IRAs.

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