Deposit Accounts

Share Savings Accounts
Savings at the Credit Union are called shares and dividends (interest) are earned on all accounts. You can save money with any of the federally insured accounts.

• Payroll Deduction and Direct Deposit options
• Daily Interest Paid Quarterly
• Minimum Balance for Credit Union Membership is $25
• All accounts are insured by the National Credit Union Administration up to $250,000.00
• Statements are provided quarterly
• Come by the Credit Union to open up your Share Savings Account today.

Share Draft Checking Accounts
Our full-featured checking accounts are your alternative to the high checking fees and service charges at other financial institutions. We allow you to save money and conveniently manage your finances with these features.

• NO Per Check Charges
• Only $2.00 Monthly Service Charge
• Easy to Read Monthly Statement
• Payroll Deduction and Direct Deposit options
• NO Minimum Balance
• Come by the Credit Union to open up your Share Draft Checking Account today.

Certificate Accounts
We have a one year Certificate Account with an early withdrawal dividend penalty of 60 days or a 2 year Certificate Account with an early withdrawal dividend penalty of 90 days. There are no early withdrawals permitted unless it is due to death. The minimum deposit amount is $1,000.00 and the maximum is $1,000,000.00. The dividends are compounded quarterly and credited quarterly to the principal balance of the Certificate Account. The dividends are computed by the daily balance method. At account opening, the member may choose to have the Certificate Account automatically renew at maturity at whatever the interest rate is at that time, have the funds transferred to their First Area savings account or to receive a check. There is a 10 day grace period and maturity notices will be mailed to the member at least 15 days before the maturity date of the Certificate Account. Dividends are paid during the grace period. Also offered is a 9 month certificate account with an early withdrawal dividend penalty of 60 days and a 15 month certificate account with a 90 day early withdrawal penalty..

We now have a 6 month certificate account that has a 30 day early withdrawal dividend penalty.

Christmas & Vacation Clubs Its never to early to start saving for that special vacation or making your holiday shopping easier. We allow you to save money and conveniently manage your finances with these features. Payroll Deduction and Direct Deposit options NO Minimum Balance You may access your funds at your convenience