Christmas Club Accounts

·
Enrollment begins October 1st of each year
· No minimum deposit required.
· Deposited any dollar amount at any time.  Deposits can be made through payroll deduction.
· Interest (dividends) paid at a variable rate on balances of $100 or more.

Share Certificates

· Minimum initial deposit of $500.00 to purchase a Share Certificate.
· Term lengths available: 6, 12, 18, 24, 36, and 48 month. Current rates are posted on the website and the CU-FAST Telephone Teller Service.
· Dividends are compounded monthly from the date of issue and not by calendar year. Dividends can be added to the Share Certificate, deposited into your regular share/savings account, or paid out in a check.
· Upon maturity, a Share Certificate will renew automatically unless otherwise specified.
· There is penalty for early withdrawal and dividends are lost if redeemed before maturity date.

IRAs

· A credit union Individual Retirement Account (IRA) is a great way to begin saving for your retirement or a college fund for your kids. We offer three types of IRAs: ROTH, Traditional or Coverdell ESA (Educational).
· Call or stop in today for more information.

Loans
The credit union is proud to offer a wide variety of loan products including:

· New and Used Auto Loans
· Personal/Signature Loans
· New and Used Recreational Vehicle Loans
· Boat Loans
· Unsecured Loans (household furniture) and Secured loans (equipment)
· Regular Share and Share Certificate Secured Loans
· Student Loans

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.  An Equal Housing Lender