Where Family is More Than Our Name
The basic share account is your membership share account. A balance of $25 must be maintained at all times to retain your credit union membership. This account earns monthly dividends on balances over $100, and receives statements quarterly. Deposits can be made over the counter, through ATMs, by direct deposit, or by mail.
The TIA account is an exciting tiered structure investment that combines a high yield with easy access - the more you save the more you earn! A minimum balance of $1500 is required to earn interest. TIA accounts yield higher interest daily, and are paid monthly.
Saving for Christmas doesn't need to be difficult. It's as easy as opening a Christmas Club Savings and having a small amount deposited or deducted from your pay. Even if you deposit as little as $10 per week, you'll have a tidy sum by next Christmas. The funds are deposited to your savings account on November 1st. For an easy way to transfer funds use payroll deduction, direct deposit, Voice Response, or Home Banking.
A Health Savings Account (HSA) in conjunction with a high-deductible health plan (HDHP) is a new way to lower your health care costs. It's a tax-advantaged account that can be used to pay for day-to-day eligible
medical expenses. Your HSA is also an excellent way to save for retirement as the money in your account continues to grow tax-free, year after year.
The HSA works just like a regular savings account. You can withdraw cash or transfer money to your checking account to pay for qualified medical expenses. Statements can be mailed or viewed online, and you'll receive a year-end report for tax purposes.
· No Minimum Balance
· Monthly Dividends
· Tax Savings
· Balances will rollover from year to year
This is a specially designed savings account which when set up through the credit union, allows selected bills to be automatically debited. See a member service representative to begin this account.
| Share | Requirement* | APR | APY |
|---|---|---|---|
| Regular Shares | $100 - $2,000 | .60% | .60% |
| Regular Shares | $2,000 | .80% | .80% |
| CU Succeed Teen Club | $100 | .60% | .60% |
| Kirby Kangaroo Club | $100 | .60% | .60% |
| Tiered Accounts | $1,500 | ||
| Balances up to: | $24,999 | .85% | Depends on Balance |
| Balances: | $25,000 to $49,999 | 1.10% | Depends on Balance |
| Balances: | $50,000 to $99,999 | 1.35% | Depends on Balance |
| Balances Over: | $100,000 | 1.60% | Depends on Balance |
| Christmas Club | $100 | 0.50% | 0.50% |
| Health Savings | 1.00% | 1.01% |
*Minimum balance required to earn interest
APR: Annual Percentage Rate
APY: Annual Percentage Yield. DIA quoted "As High As"
7/1/2010
