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Share "Savings" Works just like a Savings Account, but you earn dividends. Dividends are paid quarterly. The dividend rates are determined near the end of the quarter by the elected Board of Directors. The dividend rate and annual percentage yield may change every dividend period. $100 minimum daily balance required to earn a dividend on regular share "savings" / $5.00 minimum for youth. Federally insured by the NCUA to $250,000.00. Youth Share "Savings" Our youth share "savings" account earns the highest dividend rate for the quarter. The minimum balance required in the youth account is $5.00. A member is considered a youth until their 19th birthday. After the 19th birthday, the account is then transferred into a regular share "savings". Sharedraft "Checking" No minimum balance requirement. No monthly service fee. Write as many checks as you wish. Monthly statements. Members purchase sharedraft "checks". VISA check card. Direct Deposits/Withdrawals Direct Deposit (with employer capability) will be accepted for the convenience of our members who wish to have an allotment or net check deposited at the Credit Union. No hassles of trying to come to the office during regular hours to make your deposit. We also accept automatic withdrawals for payments of utility bills, insurance, mortgage payments, etc. About the VISA check card: Use the VISA check card in place of a check, or to withdrawal money from an ATM machine. Any credit union owned machine (labeled CU$) is surcharge free: first 8 ATM withdrawals each month are free. For a listing of credit union owned machines in the area logon to: www.cudollar.org. Christmas "Savings" The Christmas Savings is a share account in which a transfer is made every October 1st from your Christmas account into your share account. You can open one at any time. No minimum deposit required. You deposit what you want, when you want. The account will automatically renew unless we are notified that you want the account closed. Early withdrawals are available with a $5.00 fee. Loans New Auto, Used Auto, RV, Home Equity and more! Check our Rates for more information! VISA Credit Card The VISA Credit Card has a minimum credit limit of $500, and a maximum limit of $7,500.00. The interest rate is fixed, at 9.9%. There is no annual fee with the credit card. You may also transfer the balances of your higher interest rate credit cards with no fee. |
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