• A deposit of $100 is all it takes to open the Share Savings Account.
• A balance of $100 or more will earn dividends.
• Dividends are calculated on the Average Daily Balance and paid quarterly.

A low cost, convenient checking account is your key to financial success. Your credit union offers checking services with no monthly fee (if balance requirement are met), carbonless checks at reasonable prices, and monthly statements. And, unlike most other financial institutions, we pay dividends on checking balances over a specific limit!

• A daily balance of $1000 or more will earn quarterly dividends.
• A $5 monthly service fee will be charged to a Checking Account with a balance below $100 at any time during the month.
• There is no per-item charge with a Checking Account.
• Dividends are calculated on the Average Daily Balance and paid quarterly.
• Overdraft transfer from saving is available.

IRAs are savings accounts designed to help wage earners save for retirement. Many Members may still be eligible to deduct their IRA contributions from their taxable income. For them, IRAs are great investments. For those who may not take the deduction, an IRA still remains one of the best methods to save for retirement. Because IRA earnings are sheltered from taxes, IRAs grow faster than ordinary savings accounts. There is a minimum deposit of $500 for a Credit Union IRA. Those available are Traditional, Roth, and Educational.

• $500 minimum balance is required.
• No monthly fees.
• Contributions may be made in "lump sums" or by regular deposits throughout the year.
• Dividends are paid quarterly.
• Brochures are available upon request.