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Checking Accounts

A checking account is still the foundation for money management. We offer three accounts, each with unique, low-cost benefits for specific needs.

Basic Checking

Basic checking is a no-frills account intended primarily for limited balances and check writing needs. Basic checking does not pay dividends.

  • No minimum balance requirements
  • Online Account Access and Bill Payment
  • Save money with no monthly fees or service charges
  • Write as many checks as you want
  • Save time with Direct Deposit
  • Easy account access with VISA debit card
  • Achieve peace of mind with Overdraft Protection
  • 24-hour automated telephone account access with DOTTIE

 

On the Move Checking

This full-service account is designed for busy people who make many transactions each month. Available only to packaged accounts users.

  • No minimum balance requirements
  • Online Account Access and Bill Payment
  • Save money with no monthly fees or service charges
  • Save money with no foreign ATM or Point-of-Sale (POS) fees from the Credit Union (a fee maybe be imposed by the owner of the ATM)
  • Write as many checks as you want
  • Increase your earnings since we calculate dividends on the daily balance and pay them monthly
  • Save time with Direct Deposit
  • Easy account access with VISA debit card
  • Achieve peace of mind with Overdraft Protection
  • 24-hour automated telephone account access with DOTTIE


Convenience Checking

A low-cost secondary account for special purposes. Only available to Express, Concorde, or Premiere50 package account members.

  • No minimum balance requirements
  • Online Account Access and Bill Payment
  • No ATM access
  • Write as many checks as you want
  • Save money with no monthly fees or service charges
  • Increase your earnings since we calculate dividends on the daily balance and pay monthly
  • Save time with Direct Deposit
  • Achieve peace of mind with Overdraft Protection
  • 24-hour automated telephone account access with DOTTIE
 
 
 

Share Savings Rates (Last Modified: Apr 14, 2014)

Share TypeMinimum DepositDividend RateAnnual Percentage Yield (APY)
Regular Share and Club Accounts$5.00.10%.10%
Life Savings Accounts$5.00.05%.05%
Money Market Accounts$2,500 - $9,999.15%.15%
$10,000 - $19,999.20%.20%
$20,000 - $49,999.25%.25%
$50,000 and over.35%.35%
Convenience & On the Move
Checking Accounts
No minimum required.05%.05%
Traditional and Roth IRA, Coverdell Education Savings Account$25.00.20%.20%

Share savings rates are variable and are declared monthly by the Board of Directors. Rates shown are the most recent as of the
above effective date. Dividends are paid and compounded monthly, and are calculated using the daily balance method, which
applies a daily periodic rate to the balance in the account each day. Please refer to our Truth in Savings disclosure for further details.
Fees could reduce earnings.