Checking & Savings

Savings Account
An account in your own name is required to establish membership and make you eligible for other services. You earn dividends (credit union language for interest) on your savings. Plus, you can make deposits or withdrawals as you need to. Someone in your family must first be a member in order for you to open a savings account.

Checking Account
It's free of monthly fees, per-check fees, and minimum balance requirements. Your first box of checks are also free. Use your Checking Account to pay your phone bill, car insurance, or purchases. If you're under age 18, a parent or guardian is required as a joint owner on your Checking Account.

Special Purpose Savings Account
This is a second savings account that you can use to set aside money for a special purpose, such as college, a computer, a car, or a stereo. You earn the same rate as the regular savings account, and can deposit or withdraw money at any time.

Money Market Account
You'll earn a higher dividend rate on this account, but the minimum balance needed to open it is $2,500.

Certificates of Deposit
Deposit a set amount for a specific length of time (6-48 months). You'll earn a higher dividend rate, but cannot withdraw the money until the term is over. If you do, you get a penalty.