Savings Options

• Share Account (Savings) – This is your primary account that identifies your membership and helps grow your nest egg.  You may have joint owners and beneficiaries listed on these accounts.  Quarterly dividends are paid on the average daily balance. 
• Money Market Account – This account returns a higher yield than the share account and you are able to make up to six withdrawals per month without a penalty.
• Share Certificates (CDs) – These accounts receive higher dividends at a fixed rate with a choice of terms.
• IRA Accounts– Choose from Traditional, Roth or Educational IRAs and earn a higher yield on your money.  All IRA funds are tax deferred and require a $1,000 minimum balance.
• Kid Share Accounts– Start young with your child, grandchild, neice or nephew to build strong saving habits.
• Club Accounts– Make deposits directly or through payroll deduction and reap the rewards!  We have Christmas Club Accounts that start in October and mature the last day of September or open a Vacation Club Account anytime during the year.
• Savings Equity Accounts-  Savings accounts designed to help save money for future life-altering events that might otherwise cause financial hardship. Deposits earn a dividend rate 1% higher than the standard 12 month Certificate of Deposit.  Withdrawals must be made with documentation of expenses.

      G.R.A.D.- Getting Ready for a Degree (tuition, school supplies, computers, registration fees, etc)
      H.O.M.E.- Home Ownership Made Easier (mortgage, inspections, closing costs, attorney's fees, etc)
      P.A.C.E.- Planning Ahead for Cash Emergencies (job loss, illness, birth of child, divorce, etc)                     H.E.L.P.-Home Energy Liquidity Plan (heating oil, gas, electric heat)

Checking Options

• Share Draft (Checking) – This account requires No Monthly Fees, No Per Check Charge and No Minimum Balance to maintain. 

Additional services include: Overdraft Protection, overdrawn funds are automatically transferred from a savings account to avoid bounced checks;  24/7 access to your account using FlexTeller; a VISA Debit Card, to access your account via ATMs worldwide or to use to make purchases anywhere that VISA is accepted.  The money is withdrawn right from your checking account.

To see current rates of return on our accounts access our “Rates” page.