• Savings Programs
• Credit Programs
• Other Benefits & Features

 

Savings Programs

• Regular Deposit Daily Interest

Benefits
Tiered rates - the more you save the more you earn.   Interest paid on average daily balances over $100.
No monthly fees on balances over $100.
90 day grace period on fees allows member time to reach $100 balance.

Features
Payroll deduction
Share secured loans
ATM access

• Checking

Benefits
No frills checking with unlimited check writing.
Monthly service charge waived with any one of the following:

Direct deposit, $1,000 savings, student, senior or annual income over $25,000

Features
Overdraft protection
Carbon copy checks

• Interest Checking

Benefits
Higher interest earnings with unlimited check writing
Money Market pricing.
Balances over $500 earn interest and avoid monthly service charges.

Features
Direct deposit
Overdraft protection
Carbon copy checks

• Certificate of Deposit

Benefits
High-yield rates compound quarterly with maturities from 3 to 36 months.
Rates targeted above market midpoint
We watch the market for you

Features
Maturity notices
Fixed interest rates

• Market Index Certificate

Benefits
Stock market earnings - proven ideal blend of security and reward.
interest based on growth of "Standard & Poor's 500 Composite Stock Price Index."

Features
No principal risk
Insured deposit

• Individual Retirement Accounts

Benefits
Options include Traditional, Roth, and Educational IRAs
Market Index Certificate and other CD investments available 
Many members receive tax-deferred savings.

Features
IRA specialists

• Club Accounts

Benefits
Options include Christmas, vacation, & tax accounts

Features
Payroll deduction
Emergency access

• Debit Card + Internet Access

Visa Check Card or ATM card
Internet Access to rates, calculators

Coming Soon:

Applications with online approval
Home Equity Loan with prime rate
Check copies online