ACCOUNTS AND VISA PRODUCTS

Share Accounts (Savings)

Members who join the credit union can open their first share (savings) account with a minimum deposit of $25.00 or $5.00 for ages 21 and under. Dividends are paid on a quarterly basis for amounts $25.00 and over.


Share Draft Accounts (Checking)

These accounts have a no minimum balance requirement, there are no monthly fees associated either.  Statements are mailed on a monthly basis or online statements are available.


Term Certificates

There are various lengths of time for our share certificate accounts ranging from 6 months to 36 months.  Dividends can be posted directly to the share certificate, withdrawn on a monthly basis or transferred to your regular share account.


Individual Retirement Accounts (IRA)

We offer Traditional, Roth and Coverdell (Educational) IRA’s.  These accounts can be established as a regular IRA share account or as an IRA Share Certificate account.


Christmas Clubs

The Christmas Club account each year starts October 1 of the prior year.  You can still open a Christmas Club anytime throughout the year. Deposits can be made in person, by mail or by direct deposit.  Funds in the account will transfer to your share draft account on October 1.


Vacation Clubs

Club accounts run from January 1st through December 31st.  Two withdrawals per calendar year are permitted without penalty. Deposits can be made in person, by mail, online or by direct deposit.