Savings Accounts.

SHARE SAVINGS.
When you joined the credit union, you became part owner by placing $50 on deposit in a Share Savings Account. To maintain your membership, you must have this balance remain in your Share Savings Account at all times. If you ever close your account, this balance plus interest will be returned to you. See current rate schedule for annual percentage yield.

MONEY MANAGER.
The Money Manager Account offers yields competitive with a Share Certificate but you can make withdrawals at any time without the dividend penalties that you would incur with a Share Certificate account. To open a Money Manager Account, you need a minimum deposit of $5000. You must keep an average daily balance of $5000 in the account to avoid a $20.00 fee.   See current rate schedule for rates, fees and annual percentage yield.

PREMIUM SAVER.
Our Premium Saver Club was created expressly for members who maintain balances of $100,000 or more in their savings or checking accounts. See current rate schedule for annual percentage yield and deposit tiers.

SHARE CERTIFICATES.
Share Certificates are available in 3-, 6-, 9-, 12-, 18-, 24-, 36-, 48- and 60-month accounts. Budget Share Certificates allow one withdrawal without penalty during a 12-month period. See current rate schedule for annual percentage yield.

CHRISTMAS CLUB. Save for the holidays and open a Christmas Club account early in the year. Funds will be available to you for withdrawal from October 1 through December 30. See current rate schedule for annual percentage yield.

YOU'RE AN OWNER HERE. Remember when you placed $50 in your Share Savings Account upon joining the credit union? That made you a part-owner with us. And as an owner, you'll be happy to know that the dividends we pay are higher and the fees we charge lower than other institutions. That's because we're a not-for-profit organization owned by our members. We exist only to serve our member/owners—not some corporate bottom line.

CLUB ACCOUNTS.
Your club or organization can join the credit union under its own name. Just as individuals must, your club will need to place $50 in a share account to get started. Then we can open a checking or other account in the name of the club. See current rate schedule for annual percentage yield.

CONSTRUCTION LOAN SHARE ACCOUNTS.
This account is opened to hold money during the course of a construction loan. You'll earn interest on the balance. It can only be used in conjunction with a member's approved loan. See current rate schedule for annual percentage yield.

SMALL BUSINESS ACCOUNTS.
We offer businesses a wide array of account services, from checking accounts to electronic merchant programs to TT&L accounts. Fees are much lower than what other institutions charge. Small business accounts are available for sole proprietorships, partnerships or corporations. See current rate schedule for annual percentage yield.

TRUST ACCOUNTS.
To open an account on behalf of a trust, please bring in a copy of the most current trust document. See current rate schedule for annual percentage yield.