Savings & Investments

Savings & Investments Accounts

Whether you're saving for vacation, unexpected expenses–or you simply want to teach your child how to budget, you’ll find the right account at Credit Union of Ohio. Our savings solutions will help you secure your finances and grow your money over time. It’s time to get your money working for you. Whatever your savings goal, we’re here help. Take a look at our savings and investment accounts and find the one that’s right for you.

certificate specials!

We have 13-month Certificate, 25-month Certificate and 37-month Certificate Specials. Click here for our rates!

All our savings and investment accounts are federally insured by the National Credit Union Administration to at least $250,000 and are backed with the full faith and credit of the government.

Share Savings:

For small savers just starting a regular savings program, this is a great way to start off right. As a member this is your ownership in the credit union.

Money Market Accounts:

A tiered account for serious savers who only need limited access but want high dividends

Share Certificates:

With a variety of terms, great for anyone who wants to put money aside and let it grow without any work.

Regular – variety of terms
Educational Growth Certificate - fixed rate, can make deposits at anytime and matures on child’s 18th birthday
Bump Up - 20 or 30 mo. Terms, jump to the current rate up to 1.00%

IRA Accounts:

With both Traditional and Roth IRA options, these accounts are an ideal solution to help save for the future.

Club Accounts:

Great for anyone, these accounts help jumpstart savings, even for the youngest in your family

Youth – for ages 12 and under
Teen – for ages 13-17
Student – for ages 18-24
Christmas Club – matures on the first business day of October automatically transfers to your share savings

Check out this easy-to-read comparison chart of all Credit Union of Ohio savings & investment accounts:

	SHARE SAVINGS	INSURED MONEY MARKET ACCOUNTS	SHARE CERTIFICATES	CLUB ACCOUNTS
Account Details	For small savers just starting a regular savings program, this is a great way to start off right.	A tiered account for serious savers who only need limited access but want higher dividends.	A variety of terms are available for anyone who wants to put money aside and let it grow without any work.	Great for anyone, these accounts really jumpstart a savings program, even for the youngest in your family.
Account Types Available	Regular - every member is required to open a primary share savings as their share of ownership in the credit union. IRA - open as a Traditional or Roth.	Regular Student - for ages 18-24 enrolled in post-secondary education.	Regular - variety of terms from 3 to 60 months. IRA - open as a Traditional or Roth. Bump Up - 20-mo. or 30-mo. terms; jump to the current rate, up to 1.00% anytime during the term. Educational Growth - fixed rate and matures on your child's 18th birthday	Christmas Club - matures on the first business day of Oct.; funds automatically transferred to share savings for access. Youth - for ages 12 and under. Teen - for ages 13 - 17. Student - for ages 18 - 24 enrolled in post-secondary education.
Minimum to Open	$5 (Regular) $25 (IRA)	Varies with type¹	Varies with type²	$5
Dividend Compounding	Monthly	Monthly	Quarterly *except Educational Growth Certificate which is monthly.	Monthly
Funds Accessibility	Unlimited deposits and withdrawals³	Up to 6 withdrawals or transfers; deposits unlimited	Funds are locked in until account maturity	Unlimited deposits and withdrawals³
How to Access Funds	Teller, Phone Banking, Online Banking, ATMs⁴	Teller, Phone Banking, Online Banking	--	Teller, Phone Banking, Online Banking, ATMs⁴
Additional Benefits	Dividends paid earn PridePoint Rewards. • Build with payroll deduction. • Federally insured.	• Dividends paid earn PridePoint Rewards. • Build with payroll deduction. • Federally insured.	• Increase your rate by 0.25% by using PridePoint Reward at opening. • Dividends paid earn PridePoint Rewards. • Build with payroll deduction. • Federally insured.	• Dividends paid on Christmas Club and Student Savings earn PridePoint Rewards. • Build with payroll deduction. • Federally insured.
1-Money Market Acct minimum opening deposit: Regular - $2,500; Student - $1,000. 2-Certificate Acct minimum opening deposit: Regular - $500; IRA & Coverdell ESA - $100; Bump Up: 20-mo - $5,000 and 30-mo - $10,000; Educational Growth - $200. 3-Certain transactions are limited by federal regulations. Refer to your Account Disclosure for more information. 4-ATM cards are available with Regular Share Savings, Youth Club, Teen Club, and Student Club Accounts only; there is a $1 monthly charge and a limit of two free ATM transactions per month, then $2 each. If you need more ATM access, we recommend opening a checking account. 5-PridePoint Rewards - dividend rate bonuses are available for Regular, IRA, and Bump Up Certificates only; must be at least age 18 to earn points.

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