Savings Programs

Share/Savings Accounts

When you join our credit union, a Share Account is automatically opened for you, providing a strong foundation for your financial journey. With just a $25.00 minimum balance, you can enjoy the benefits of this versatile account. Dividends are calculated on your average daily balance and credited quarterly, helping your savings grow steadily.

You'll receive quarterly statements to keep track of your progress, and you can even use this account as collateral for a loan at our lowest applicable rate. Keep in mind, dividend rates are variable and subject to change, and fees could impact your earnings.

Discover how a Share Account can help you budget and manage your money effectively.

Share Certificates

Lock in attractive interest rates and watch your savings flourish with our Share Certificates. Choose from a variety of terms, ranging from six months to two years, to match your financial goals.

Ready to watch your savings grow? 

  • Start Earning Big: Enjoy higher dividends on balances over $25,000 and $100,000.

  • Your Way: Choose how you receive dividends - deposited into your Share Certificate, another account, or by check.

  • Peace of Mind: We’ll notify you 15 days before your certificate matures. Plus, enjoy the convenience of automatic renewals at our current rates.

  • Need Cash Fast? Use your Share Certificate as collateral for a loan and benefit from our best rates.

Enjoy higher interest rates than traditional Savings Accounts when you commit your funds for a fixed term. Start investing today with a minimum deposit of just $500. Dividends are paid monthly, and penalties may apply for early withdrawals.

Club Savings Accounts

Our Club Savings Account is a popular choice for members looking to save specifically for holiday or vacation expenses. Instead of borrowing or accumulating credit card debt, this account allows you to set aside money throughout the year. You can make one withdrawal per calendar year, making it easier to stick to your savings plan. Additional withdrawals will incur a fee, which could reduce your overall earnings. Dividends are calculated based on your average daily balance and posted at the end of each quarter. This way, your savings steadily grow over time. 

Take control of your holiday or vacation expenses and start saving smarter with our Club Savings Account!

IRAs & Retirement Accounts

We offer various Individual Retirement Accounts to help you save for your future, including Traditional, Roth, and Coverdell ESA. Our retirement plans offer you a way to set aside a portion of your earnings for the future and multiply your assets over the years.

Traditional IRA

  • Tax-deferred growth: Your earnings grow tax-deferred until you withdraw them in retirement

  • Potential tax deduction: Depending on your income and filing status, your contributions may be tax-deductible

  • Flexibility: Offers a wide range of investment options

Roth IRA

  • Tax-free withdrawals: Qualified withdrawals in retirement are tax-free

  • Potential for higher growth: Contributions are made with after-tax dollars, allowing investments to grow tax-free

  • Early withdrawal options: Under certain circumstances, you can access your contributions without penalties

Coverdell ESA

  • Tax-free growth and withdrawals: Earnings grow tax-deferred and withdrawals for qualified education expenses are tax-free

  • Broad education coverage: Can be used for K-12 and higher education expenses

  • High contribution limits: Offers higher contribution limits compared to some other education savings plans

Our experienced team is here to guide you in selecting the IRA that best aligns with your aspirations. Our IRAs are a powerful path to financial freedom.

The shares in your Credit Union are insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), an arm of the NCUA. Not one penny of insured savings has ever been lost by a member of a federally-insured Credit Union. 

Please call (888) 486-3125 (toll-free) to apply for any of our Savings Programs!