Savings & Investments

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.

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

Account Types Available

• Regular - every member is required to open a primary share savings as their share of ownership in the credit union.

• Regular
• Young Adult - for ages 18-24

• Regular - variety of terms from 3 to 60 months.
• 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.
• Young Adult - for ages 18 - 24

Opened as a Traditional or Roth, options include:

• Savings
   
• Certificates - variety of terms from 3 to 60 months.

Minimum to Open

$5 (Regular)
 

Varies with type¹

Varies with type²

$5

$25 (Savings)
$100 (Certificates)

Dividend Compounding

Monthly

Monthly

Quarterly

*except Educational Growth Certificate which is monthly.

Monthly

Monthly (Savings)

Quarterly (Certificates)

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

Limited contributions and disbursements⁴
 

How to Access Funds

• Mobile App
• Online Banking
• Phone Banking
• Teller
• ATM⁵

• Mobile App
• Online Banking
• Phone Banking
• Teller

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• Mobile App
• Online Banking
• Phone Banking
• Teller
• ATM⁵

• Branch

Additional Benefits

• Dividends paid earn PridePoint Rewards.⁶

• Build with payroll deduction.

• Federally insured.

• Dividends paid earn PridePoint Rewards.⁶

• Build with payroll deduction.

• Federally insured.

• Increase your rate by 0.25% by using PridePoint Reward at opening.

• Dividends paid earn PridePoint Rewards.⁶

• Federally insured.

• Dividends paid on Christmas Club and Young Adult Savings earn PridePoint Rewards.⁶

• Build with payroll deduction.

• Federally insured.

• Contributions may be tax deductible⁷

• Federally insured.

1-Money Market Acct minimum opening deposit:  Regular - $2,500; Young Adult - $1,000.
2-Certificate Acct minimum opening deposit:  Regular - $500; IRA - $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-Contributions are limited by federal regulations. Excess contributions may result in a tax penalty. Refer to the IRA Application agreement for more information.
5-ATM cards are available with Regular Share Savings, Youth Club, Teen Club, and Young Adult Savings 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.  
6-PridePoint Rewards - dividend rate bonuses are available for Regular, IRA, and Bump Up Certificates only; must be at least age 18 to earn points.
7-Consult a tax advisor to learn more about the differences in tax benefits between Traditional and Roth IRAs.