Share Accounts - We have a variety of share accounts. The Regular, Christmas, Vacation accounts all receive quarterly dividends (see Rates for a list of the current rates).

The Regular Share Account requires a minimum deposit of $25 to open the account. This balance needs to be maintained within this account throughout the duration of your membership.

The Christmas Club accounts are to be used to help you prepare for the holiday season. Your deposited funds are available for withdrawal once a year.

The Vacation Club accounts are to be used to help you prepare for your much deserved vacations. The funds are available for your use at anytime but are limited to two withdrawals per year.

Share Drafts - Open your new Share Draft account and receive your first 50 drafts free. There is no monthly fee on accounts that keep an average daily balance of $500 or more, and if your average daily balance is less than $500, the fee is only $7.00 per month. Write as many drafts as you need. You will receive a monthly statement on your share draft account.

Term Share Certificates (CD's) - Certificates can be deposited in amounts as low as $500 and set up for a term of 6, 12 or 24 months. Dividends are paid quarterly and are paid to the certificate, share account or mailed to you. Dividends can be paid monthly and mailed to you upon request. There is a 90-day penalty for early withdrawals.

Direct Deposit - You can have your employer automatically deposit your payroll (or any portion of your payroll) directly to your account with the Credit Union. The funds can be deposited into your Shares account or distribute between your various subaccounts. You can even have your loan payments automatically sent to us.

ATM/Debit Cards - ATM cards will allow our members to withdraw cash from any of the ATM machines that display a Pulse or Cirrus logo throughout the world. Withdrawals are limited to $200 within a 24 hour period, unless prior arrangements have been made with the Credit Union.

Debit Cards allow our members to make purchases at any store, restaurant, gas station, etc. that displays the VISA logo throughout the world. It "looks" like a credit card, but it works like a check.

Cashier's Checks - Cashier's Checks can be obtained for a nominal fee of $2.00. Cashier's Checks can be requested either in person or in writing via postal mail.

Wire Transfers - Wire transfers can be made from your account to another bank or credit union. Requests must be made in writing. The fee for a wire transfer is $15.00.

GAP Insurance is available with car loans. When a car is wrecked or stolen, it pays any deficit on the vehicle after the car insurance has paid. Cost to the member is $220 and can be added into the loan.

Credit Life/Credit Disability Insurance is available on all loans if the member is working at least 25 hours per week at time of loan. The credit life pays all covered loans at the time of death. Joint Credit Life is also available on spouses. Credit Disability will make your loan payments while you are off work due to illness or injury. There are terms regarding pre-existing conditions and limitations on extended time off work (longer than one year).