|
 |
 |
Our savings accounts are called share accounts because you, as a member, own a share of your credit union. You are never too young or too old to begin saving. Think of your share account as an insurance policy to cover your today’s and brighten your tomorrows.
They keep you out of debt during the holidays, pay unexpected expenses, become a down payment on your dream home, and insure that you live comfortably during your golden years. Whether you are able to save a little or a lot we have a share account to fit your needs.
A Primary Share Savings Account is like a passbook savings account. Since you own a share in our credit union you earn dividends instead of interest. Dividends will be paid to your account each month. The dividend amount you earn is based on the current interest rate and your account balance.
Make saving easy by having a portion of your paycheck directly deposited into your share account each payday. If you are curious about the amount of savings you need to reach your dreams, make sure to play with our savings calculators – your monthly “dream payment” may be less than you think!
A money market account is the perfect solution for high balance savers. This tiered account allows you a risk-free savings option that earns higher dividend rates and remains available to you for withdrawal.
Share certificates are a great way to earn higher rates. If you have $1000 (or more) that you are not planning to use for the next three months (or more) a share certificate is a safe place to watch it grow.
We have terms that vary from 3 months to 5 years with competitive rates locked in for the term that you choose. We also run specials from time to time so be sure to check with us when your current share certificates or CD’s come due. We want to make sure your money is working as hard as you do!
Our club accounts help you set aside money for Christmas, vacations, taxes, or anything that may come up during the year. A specific amount can be deposited into your club account (or accounts) each payday.
The Christmas Club Account allows you to save money at a higher annual dividend rate to help you with holiday expenses. The balance of your Christmas Club Account and your annual dividend are automatically deposited in to your primary share account at the beginning of each November.
The Tax and Vacation Club Accounts allow you to budget for future events while earning great monthly dividends. In these accounts your money continues to grow until you decide to withdraw it.
Calling all kids, age 12 and under! Our Kirby Club Account helps young people learn early about the benefits of saving. They’ll have fun watching their savings grow, and learn how to make good financial decisions as they grow.
Financial education helps them (and their parents!) to be prepared when their toys turn into computers and their concerts turn into backpacking trips across Europe.
If you are a parent, and would like to read our Online Privacy Policy, please visit the Children's Online Privacy Protection section of our privacy policy.
Whether you want to travel the world by RV, or sit on your front porch and watch the world go by, IRAs are a great way to prepare for your retirement years. We have Traditional and Roth IRA Share Accounts and Traditional and Roth IRA Share Certificates.
An IRA rewards you for saving by giving you special tax advantages (some income restrictions may apply). Stop by to visit with Carolyn or Sue (our IRA specialists) and find out if an IRA is a good financial decision for your future!
Ah, the Market Index Certificate - what a relaxing way to watch your retirement dollars grow. That's right, ease back in that hammock, content with the knowledge that your money can grow with the stock market without risk to your principal.
Here's how this insured credit union certificate or IRA works: If the Dow Jones Industrial Average Index is higher when your certificate matures than it was when it was established, you earn a percentage of the increase. But if it's lower, your original deposit is returned to you in full. It's easy on risk, heavy on opportunity.
The Market Index Certificate. Amazing how such an exciting product can make you feel so relaxed! Contact Carolyn or Sue today for more details.
|
|
