Whether you need a FREE checking account, easy savings account, IRA, or a club account to save for a specific purpose, we’ve got you covered. Let’s CHATT about the accounts that will put you in a solid financial position, now and into the future!

Insured Savings – Helping members to prepare for the future.

Regular Share Savings Accounts

Primary savings account required for initial membership. It operates like a passbook savings account.

Free, Interest-Bearing Checking Accounts

Freedom . . . Convenience . . . Easy Access to Your Account... With our checking accounts, you can have it all!

Rainbow Accounts

Money market accounts that earn a higher rate than the regular share savings account.

Club Accounts

For all purposes and special savings needs such as holidays, education, and vacations.

Roth & Traditional IRAs

IRA Share Savings

This is an open account with no maturity dates, $5 minimum balance, and can receive payroll deductions. There are no withdrawal fees. Remember that withdrawals can result in taxable income and penalties by the IRS. Interest is paid quarterly on the average daily balance.


A traditional IRA program is an account which allows you to defer taxes on your earnings until you withdraw the funds. Based on your personal tax situation, you may receive a tax deduction for this type of deposit. You must start withdrawing funds once you reach age 70½.


This new IRA program is gaining popularity because it allows all earnings to grow tax-free, and there is no age that you must start distributions from this account. This IRA is not tax-deductible; however, it does offer some advantages over a Traditional IRA program. One of the benefits for some is the provision for "qualified distributions".

A qualified distribution from a Roth IRA means the account must have been opened for at least 5 years and you are either older than 59 1/2; disabled, or a first-time home buyer ($10,000 lifetime withdrawal limit). Another benefit of the new Roth IRA is that there is no required distribution, so if you don't need the funds you do not need to take any withdrawals from the program.

Certificates of Deposit (CDs)

Require you to keep your money in the account for a fixed term.

Share Certificate Term:

Dividend Method:

Dividends are computed daily, posted monthly; or you can elect to have your dividends transferred monthly to your credit union savings or checking account.

*After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.