Regular Share Accounts

All members are required to have a regular share account. Minimum balance is $5 per account holder. Dividends are calculated and paid monthly on all shares that maintain an average daily balance of $50 or more.

Share Draft (Checking) Accounts

No minimum balance requirements. No monthly or per check charges. Monthly statements. Reasonably priced checks (reorders can be done through the credit union or through the website). Overdraft protection is available.

Christmas Club Account

Can be started and/or withdrawn at any time. Earns monthly dividends. No minimum balance.

Special Share Accounts

Can be used for any reason such as vacation, taxes & insurance, Can be started and/or withdrawn at any time. Earns monthly dividends. No minimum balance.

Individual Retirement Accounts (IRAs)

Traditional, Roth and Education accounts are available for those who want a personal pension plan or tax shelter. IRA accounts are subject to federal and/or state rules and regulations. Certificates are available with $1,000 minimum.

Money Market Accounts

Provided for members who want to earn more money on their money. Dividend rates are tiered. Special conditions apply.

Share Certificates

Various types and terms are available. Most certificates require a $500 minimum balance; some may have a maximum balance. Competitive dividends. Dividends are paid monthly. There are penalties for early withdrawal. The Add-to-It certificates have 12 and 24-month terms, minimum deposit requirements and allow deposits to be made at any time during the term of the certificates.

Zoo Club Shares

Special share accounts for the credit union’s young members (ages 1 month to 12 years). No minimum balance. Dividends are paid monthly. In order to receive a dividend, the average daily balance must be $50.