Products and Services

Share Savings Accounts

  • $ 5.00 minimum required to open an account.
  • Copy of a photo ID required, i.e. driver’s license, passport.
  • Dividends:
    • Rates are typically equal to or better than rates at local savings institutions.
    • Paid quarterly rates are set quarterly in arrears by the Board of Directors.
  • In order to earn dividend interest on Share Savings Accounts, members must maintain a minimum balance of $110.00.

Checking ("Share Draft") Accounts

  • No minimum balance requirements, monthly service charges or per-check charges.
  • National accessibility of funds via Automated Teller Machine (ATM) service.
  • Overdraft protection up to $1,000 available (pending approval by loan officer.
  • Fees and charges
    • Insufficient funds: $35.00 (maximum of 3 per calendar year)
    • Stop payment: $35.00
    • Copies of checks $5.00

Direct Deposit

  • Direct Deposit is available to checking and/or savings accounts.

Credit Union ("Cashier’s") Checks

  • Available to members at the Credit Union at NO charge.

Certificates of Deposit ("CD’s")

  • 6 and 12 Month certificates of deposit are available at competitive rates.
  • Offering rates are adjusted based on Market conditions.
  • Minimum $2500.

Family Memberships

  • Immediate family, spouse, children, parents, grandparents, and siblings.

Club Accounts

  • Available for holiday or vacation savings.
  • Earn interest at the share savings rate for balances over $110.00.

Overdraft Protection

  • Overdraft protection up to $1,000 is available for those who qualify.  The interest rate on overdraft balances is 18%.

MasterCard™  Debit Card and Automated Teller Machine (ATM) Service

  • Using your MasterCard™ Debit Card, members may make withdrawals, check balances and make transfers between accounts electronically at any machine participating in the PLUS™ network.
  • Make purchases using your MasterCard™ Debit Card wherever the your MasterCard™ Debit Card is accepted.
  • Original Card – Free
  • Replacement Card  $5.00

New and Used Auto Loans, Personal Loans, Share Secured Loans

  • See loan offering rate sheet (click here) for general borrowing requirements, rates and loan terms. To access loan application forms, click here.
  • A minimum balance of $ 105.00 must be in your account to apply.
  • Loan refinancing/consolidation is available.

Wire Transfers

  • Incoming and outgoing wire transfers are available to members.
  • Incoming wires are free of charge. The current fee for outgoing wires is $15.00 for domestic transfers and $45.00 for foreign transfer.