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Savings Account
Saving with a purpose

An important part of financial freedom is to plan ahead. We offer a variety of savings accounts for every stage of your life. From IRA for retirement planning to Christmas Club for that special time of year, we have a savings account to fit your needs. Visit with one of our Member Service Representatives today for assistance.

Regular Savings

Earn up to

0.35 % APY*

Christmas Club

Earn

0.25 % APY*

Money Market

Earn up to

1.00 % APY*

IRA Savings

Earn

1.50 % APY*

*APY=Annual Percentage Yield. Rate subject to change without notice.

  • Savings Rates

    Projected Dividend Date: 06/30/2019

    Account Type Minimum Balance Dividend Credited/ Compounded Dividend Rate Annual Percent Yield
    Regular Savings
    HSA Savings
    ($5 Opening Balance)
    $5.00 - $9,999.99
    $10,000 - $24,999.99
    $25,000+
     
    Quarterly .25%
    .30%
    .35%
    .25%
    .30%
    .35%
    Business Savings
    ($5 Opening Balance)
    $0.00 Quarterly .25% .25%
    IRA Savings
    ($0 Opening Balance)
    $0.00 Quarterly 1.50% 1.50%
    Christmas Savings
    ($0 Opening Balance)
    $0.00 Quarterly .25% .25%
    Tax Savings
    ($0 Opening Balance)
    $0.00 Quarterly .25% .25%

     

    Projected Dividend Date: 06/30/2019

    Account Type Minimum Balance Dividend Credited/ Compounded Dividend Rate Annual Percent Yield
    Varsity Club, HSA Checking, Organizational, Non Profit, Sole Proprietorship, Business Checking, eChecking*
    ($0 Opening Balance)
    $0.00 Monthly .05% .05%

    MembersChoice Premier Checking
    ($0 Opening Balance)

    $0.00 Monthly .10% .10%
    Money Market
    ($2,500 Opening Balance)
    $2,500 - $24,999.99
    $25,000 - $49,999.99
    $50,000+
    Monthly .60%
    .75%
    1.00%
    .60%
    .75%
    1.00%
    Smart Choice Money Market**
    ($25,000 Opening Balance)
    $25,000 - $49,999.99
    $50,000+
    Monthly .40%
    .60%
    .40%
    .60%

    All rates are based on a Daily Balances.
    * eChecking is No Longer Available as of 03/26/2019
    **Smart Choice Money Market is No Longer Available as of 12/13/2011 

  • Regular

    Our Basic Savings account begins your membership with the credit union. You'll earn dividends on your balances while keeping your savings secure.

    • $5 Minimum balance required
    • Pays Quarterly Dividends
  • Varsity Club Savings

    Varsity Club Savings transitions teens into solid money management habits gradually. This account is strictly for teens age 13-17 years old.

    • Pays Quarterly Dividends
    • Membership Fee is Waived
    • Online Banking Access
  • Homers Club Savings

    This account is designed with our youngest members in mind. Beginning to save early in life builds good financial habits they can carry into adulthood. Homer's Club Savings accounts are available to those age 0-12 years old.

    • Pays Quarterly Dividends
    • Membership Fee is Waived
    • Free Gift for your Birthday
  • Special Savings

    An extra savings account is perfect to designate funds for a particular purpose. You'll enjoy all the benefits of a regular savings account, while practicing goal-oriented saving. No minimum balance required. Popular versions of Special Savings accounts include:

    • Pays Quarterly Dividends
    • Wedding Savings
    • Vacation Savings
    • Back to School Savings
  • Christmas Club Savings

    Save for holiday expenses on your schedule with this popular account. You'll set aside a little each month and be ready for the gift-giving season when it arrives.

    • Pays Quarterly Dividends
    • No minimum balance required
    • Make Deposits Anytime Throughout the Year
    • Total Balance Transfers to Regular Savings on November 1
  • Tax Savings

    Tax time can be stressful if you're not prepared. Like our Christmas Club account helps you get ready for the holiday season, our Tax Savings account helps you to be ready for Uncle Sam.

    • Pays Quarterly Dividends
    • No minimum balance required
    • Make Deposits Anytime Throughout the Year
    • Total Balance Transfers to Regular Savings in March 1
  • Retirement (IRA) Savings

    We offer retirement savings options that can meet your needs. It's easy to invest in your future with our Individual Retirement Accounts.

    • No minimum balance required
    • Personal Tax-Deferred Savings and Investment Plan
    • Tax-Deductible contributions in most cases
    • Traditional or Roth IRAs available
    • IRA Certificates Available in Terms of 12, 18, 24, 36, 48 or 60 Months
  • Representative Payee Savings

    A Representative (Rep) Payee Savings account is for a government-appoint representative payee to manage Social Security (or SSI) funds only. Contact your local Social Security office for details.

    • $5 Minimum balance required
    • Pays Quarterly Dividends
  • Health Savings

    Unexpected health care costs are one of the leading causes of financial distress for families. We can help with this account designed to keep you prepared for the unknown. Generally, HSAs provide tax-favored treatment for current medical expenses as well as the ability to save on a tax-favored basis for future medical expenses.

    • No minimum balance required
    • Available to those with a high-deductible health insurance plan
    • Often lowers health insurance premiums
    • Savings are completely portable, even if you change jobs or coverage

Lending Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.