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PRIMARY SHARES - Minimum Deposit of $5.00. Dividends are declared and paid quarterly on balances over $10.00.
SECONDARY SHARE-CLUB ACCOUNTS – Vacation accounts and special member-defined accounts. Dividends are declared and paid quarterly.
CHRISTMAS CLUBS – No minimum amount. No withdrawals allowed during the club year, unless closing. Dividends are declared and paid quarterly.
PREMIUM SHARE ACCOUNTS (PSAs) – Minimum deposit of $500.00 required. Pays split-level dividend rates on a 5-tier plan. Dividends are calculated on a Date of Deposit to Date of Withdrawal method and paid monthly. Withdrawals are limited to one (1) per calendar month.
INDIVIDUAL RETIREMENT ACCOUNTS (IRAs) – Traditional and Roth IRAs are available. Dividends are declared and paid quarterly on share-type accounts. Share Certificates on both types are available.
SHARE DRAFT (CHECKING) ACCOUNTS – No minimum balance required. No service charge. Free Starter Checks kit with complimentary cover. Dividends are compounded monthly. MasterMoney Draft Debit Card available to eligible members.
SHARE AND IRA CERTIFICATE ACCOUNTS – See current rates schedule for breakdown. No compounding – simple interest calculation, with dividends paid at maturity. 90-day interest penalty for early withdrawal.
ALL SHARE ACCOUNTS ARE FEDERALLY INSURED TO AT LEAST $250,000.00 PER MEMBER.