Savings & Share Certificates
We offer a number of different savings accounts, all designed to help you save for your goals.
Johnny Appleseed Junior Ecology Club is a special program for Credit Union members from birth through age 12.
Accounts can be opened with a minimum of $5. They earn interest at the
regular savings account rate. Find out more about the
Johnny Appleseed Club.
Your savings account is your primary account and maintains your
membership in the Credit Union.
Minimum: $25. Payroll deduction is available in many cases to make saving easy. Call or come in to open an account today.
Sub-savings accounts can be used for any purpose, such as saving for Christmas, car insurance, or vacations. No minimum or opening balance requirements. Sub-savings accounts earn dividends at the same rate as regular share accounts. You can open a sub-savings account by calling, coming in or by clicking "Open New Account" in
eBranch.
A Christmas Club account lets you save for holiday spending in advance rather than relying on credit cards at the last minute. You even can arrange to have the money deducted directly from your paycheck, making saving as painless as possible.
You can open a Christmas Club savings account directly from eBranch. After you log in, choose “Open New Accounts” from the left-hand navigational list, and choose “Additional Savings Account” and “Christmas Club.” By opening a Christmas Club account, you will incur a penalty if you withdraw money from the account before November 15, which will help you truly save for the holidays. You can set up regular transfers into the account by choosing “Transfers” and then “Recurring.” Choose the amount, frequency, and the account to transfer from and you’ll start saving automatically.
In the tradition of credit unions, we offer certificate rates that compete with other financial institutions requiring deposits of $10,000 or more-and the minimum to open one is only $500. Enjoy good dividends in long term savings plans. Terms from 91 days to 60 months are available. Call, come in or open your certificate on
eBranch. Fees may reduce the dividends on some accounts.
Don’t want to wait for 12 months until you see the benefits of your money fully maturing in a share certificate product? With our Upfront Share Certificate, you don’t have to! This unique product allows you to get the dividends you would normally receive for 12 months at the beginning of the deposit period instead of having to wait until the end as in most share certificates. The penalty for early withdrawal would be equal to the matured dividends you received.
Get the same rates as our Share Certificates with a tax advantage. If you have a pre-existing 66 Federal Credit Union IRA, you can open an IRA Certificate with a minimum deposit of five dollars.* Call or come by to open your IRA Certificate.
» See our rates
*Ages 70 ½ and older cannot contribute to an IRA Certificate.
|
Performance Fund |
Performance Plus |
Advantage Money Market*
|
Certificates |
| Minimum deposit |
$1,000 |
$1,000 |
$10,000 |
$500 |
|
Penalty for early withdrawal?
|
No.
Up to six withdrawals are permitted per month. |
No.
Up to six withdrawals are permitted per month.
|
No.
Up to six withdrawals are permitted per month.
|
Yes.
See details. |
|
Tiered Dividends?
|
$0 - $999
$1,000 - $4,999
$5,000 - $9,999
$10,000 - $24,999
$25,000 - $49,999$50,000 - $74,999$75,000+
|
$0 - $999
$1,000 - $2,499
$2,500 - $9,999
$10,000 - $24,99
$25,000 - $49,999
$50,000 - $99,999
$100,000+
|
$0 - $49,999
$50,000 - $99,999
$100,000 - $199,999
$200,000+
|
See Terms on Dividend Rates sheet. |
*Must have an Advantage Checking Account to open. Note: Fees may reduce the earnings on some accounts.
Whether you’re just starting out and learning to save or whether you’ve been saving for a while, we have an account for you. All savings accounts pay dividends and are federally insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Administration (NCUA). Not one penny of insured savings has ever been lost by a member of a federally insured credit union.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.