Deposit Accounts


Savings / Share Accounts

The credit union savings (share) account is the basis for credit union membership and is required to become a member of the credit union. 

An initial deposit of $25.00 will open your account. This deposit makes you a member/owner of the credit union and entitles you to vote in the proceedings of the annual meeting each year. The $25.00 must remain on deposit until the account is closed. 

Share accounts with an average daily balance of $25.00 earns dividends, payable each quarter.

Member accounts are insured up to an aggregate of $250,000.00 by the National Credit Union Administration (NCUA), a US Government Agency.

For more information, please call and speak with Member Services.

Please refer to our rate page for current dividend rates.


Checking Accounts / Debit Cards           

Members must have a regular savings account to open a checking account. The checking account has no monthly service fee. A minimum deposit of $25.00 is required to open. With a deposit of $100.00 or more you receive a free box of checks on your initial order. (Members 62 and older receive one free box of checks at each order.)  

Debit cards are available giving access to checking and savings.

Accounts that maintain an average daily balance of $1,000.00 will earn dividends, payable monthly.

Member accounts are insured up to an aggregate of $250,000.00 by the National Credit Union Administration (NCUA), a US Government Agency.

For more information, please call and speak with Member Services.

Please refer to our rate page for current dividend rates.


Individual Retirement Accounts

Individual Retirement Accounts (IRAs) are an excellent way to save for retirement. Contributions can be made through payroll deduction, direct deposit or personal check. A minimum contribution of $25.00 is required to open. Your regular traditional IRA contributions cannot exceed the annual contribution limit (amount stated in the following table).

Contributions Under Age 50 Age 50 Plus
2018 $5,500.00 $6,500.00

There are penalties for early withdrawal of funds before age 59½.

Roth and Education IRAs are not currently available. 

IRA accounts are insured up to $250,000.00 by the National Credit Union Administration (NCUA), a US Government Agency.

For more information, please call and speak with Member Services.

Please refer to our rate page for current dividend rates.


Certificates of Deposit

The credit union offers Certificates of Deposit for members with a higher rate of return.

Deposit terms range from 6 months to 36 months for regular savings and 12 months to 36 months for IRA's.  

Withdrawals prior to maturity will incur a penalty. 

Member accounts are insured up to an aggregate of $250,000.00 by the National Credit Union Administration (NCUA), a US Government Agency.

For more information, please call and talk with Member Services.

Please refer to our rate page for current dividend rates.


Christmas Club Account

A minimum deposit of $25.00 is required.  Dividends are paid quarterly.

Funds are disbursed on November 1st of each year and deposited to your savings or checking account.

Member accounts are insured up to an aggregate of $250,000.00 by the National Credit Union Administration (NCUA), a US Government Agency.

For more information, please call and speak with Member Services.

Please refer to our rate page for current dividends. 


Vacation Club Account

A minimum deposit of $25.00 is required. Dividends are paid quarterly. Two withdrawals per year are allowed.

Member accounts are insured up to an aggregate of $250,000.00 by the National Credit Union Administration (NCUA), a US Government Agency.

For more information, please call and speak with Member Services.

Please refer to our rate page for current dividends.