Share accounts:
This is a required account for all members, with a minimum deposit and balance of $5 and a limited number of transfers. Dividends are paid quarterly. If quarterly statements are returned as undeliverable, a $10 per month inactive fee will be charged, until we receive an updated address, or the account drops below the minimum balance and is closed.
Daily share accounts:
No minimum balance. No limit on transfers. Dividends paid quarterly.
IRA accounts:
We offer Regular, Roth, and SEP IRAs and Coverdell Educations Savings Accounts (ESA). Minimum deposit on IRA/ESA shares is $10 and dividends are paid quarterly. We also offer an IRA Certificate option, with the same rates and minimum balances as our other CD's. There is an annual fee on all IRA/ESA accounts.
Money Market shares:
Minimum balance of $2,500, no limit on withdrawals as long as the balance remains above the minimum. Dividends are paid monthly.
Certificates:
Certificates with terms from 91 days to 30 months. Each has it's own minimum balance and interest rate as shown on the rate page.
Checking:
No monthly service charge! No per check fee! No minimum balance on active accounts! Free on-line Bill-pay! Direct deposit, automatic withdrawals, and access to your account with a debit card are also available. Accounts with an average balance of $500 earn interest. Ask about our overdraft protection policy.
*See rate page for current rates and terms for savings and investments
