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Savings

YOUR SAVINGS are called shares, which earn dividends.
Statements of your account will be sent at least quarterly to you for verification.

Share Accounts are insured to $100,000 by the NCUA (National Credit Union Administration). An IRA is separately insured up to $250,000 by the NCUA. Saving in your Credit Union YIELDS GREATER RETURNS.

Accounts

Prime Share Account	Share Draft Account
Money Management Account	Kids Club
Timed Certificates	Christmas Club
IRA Accounts
Coverdell Education Savings Account

For the Kids!

Variable Rate Share Accounts

The following account rates are subject to change at any time in response to our Credit Union earnings, the local financial situation and national economic trends. Prior returns do not guarantee future earnings.

The PRIME SHARE ACCOUNT earns dividends monthly, with posting quarterly. You may withdraw available share account money on any business day. There are fees for excess withdrawals, as stated in the account disclosure.

The SHARE DRAFT ACCOUNT is the Credit Union checking account. A Line of Credit Loan (overdraft protection ) is available to qualifying members. Many FREE features.

The MONEY MANAGEMENT ACCOUNT is a savings account specifically designed for balances over $2,500 and earn a higher rate than the Prime Share Account. The number of withdrawals is limited to three per month without penalty, however, the number of deposits allowed is unlimited.

The KIDS' CLUBS are savings plans for children of different ages, from toddlers to teenagers. The practice of saving is encouraged with rewards!

The CHRISTMAS CLUB ACCOUNT is for timely holiday planning. Special rate and compounding schedule. Gives better return.

The IRA ACCOUNTS offered are the Traditional & Roth.

The COVERDELL EDUCATION SAVINGS ACCOUNT offers a tax advantage method of saving for higher education.

Fixed Rate Certificate Accounts

Our TIME CERTIFICATES (known elsewhere as CD's) guarantee an unchanged yield for a specific length of time and offer higher rates than shares. Time Certificates are available for regular shares, as well as either type of IRA, and the Coverdell Education Savings Account.

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