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We have a variety of savings products for you. The following list is provided for your browsing convenience. Always request complete account disclosures. And know that your savings are safe with us as they are federally insured to at least $250,000 by the National Credit Union Administration and backed by the full faith and credit of the United States Government!
Life Insured Savings Open Savings
Christmas Club Child's Education
Tax Preferred Plans Certificates of Deposit
Life Insured Savings
This is a basic savings with a twist. If you qualify, we offer life insurance on the account up to $4,000.00. Dividends are paid quarterly at rates declared by the Board of Directors. A minimum balance of $50.00 is required to earn dividends. There is no monthly fee for this account. Please ask for complete account disclosures.
Open Savings
A basic savings account paying dividends quarterly at a rate declared by the Board of Directors. A $50.00 minimum deposit is required to earn dividends. This account has no service fee and can be attached to your checking account for added convenience!
Christmas Club Savings
Our very popular holiday savings program. Why not join many other members planning for a great
holiday season. This account pays dividends quarterly on the average daily balance at a rate declared
by the Board of Directors. The club ends in October of every year and shortly after the club will automatically begin for the following year. There is a charge for early withdrawals.
Tax Deferred Savings Plans
We offer traditional and Roth IRAs, Coverdell ESAs and Health Savings Accounts (HSAs) that may provide you with considerable tax advantages. Always consult a tax professional for your specific needs. IRAs and Coverdell ESAs pay a variable dividend as declared by the Board of Directors on a quarterly basis. There is a penalty for early withdrawal. The HSA is a checking account with a tiered dividend rate structure allowing for a higher dividend rate as your balance grows. The dividend is paid monthly. Other fees may apply to these accounts.
Child's Education Savings
This is a unique savings account paying a premium dividend rate as determined by the Board of Directors. The dividend is paid quarterly. Withdrawals from this account are subject to a penalty if not used for education expenses until the child reaches 17 years of age. After that, until the age of 24, the account becomes a basic savings allowing unlimited deposits and withdrawals while still earning the premium dividend. This is a great option for young savers! Please note that this is not a Coverdell Education Savings so provides no tax benefits.
Certificates of Deposit
We have an assortment of Certificates of Deposit at varying rates and terms. Certificates are term instruments which allow for substantial penalty for early withdrawal. Our certificate terms and rates are also available for IRA and ESA investing.
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