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> Regular Share Savings
> Super Share Savings
> Share Draft - "Members Choice"
> Share Draft - "Advantage"
> Special Shares
> IRA Shares
> Term Share & IRA Term Shares
> Mini-Jumbo & Jumbo Term Shares
> Deposit Rates
> Certificate Rates
> Financial Calculators
 
   
 

Deposit Accounts

Regular Share Savings Account

  • A minimum initial deposit of $5.00 is required
  • A $5.00 minimum balance must be maintained at all times
  • An average daily balance of at least $100.00 is required to earn a dividend
  • Dividends are paid quarterly
  • Payroll deduction is available
  • Direct deposit is available
  • A quarterly statement is furnished showing all transactions and dividends earned
  • 24-hour account access with "HomeCU" home banking or "Teller-24" audio response

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Super Share Savings Account

  • A minimum initial deposit of $5,000.00 is required
  • Dividend rates increase at higher deposit plateaus ($5,000., $25,000., $40,000.)
  • You may withdraw funds anytime without penalty or loss of dividends earned
  • Dividends are paid quarterly
  • Payroll deduction is available
  • Direct deposit is available
  • A quarterly statement is furnished showing all transactions and dividends earned
  • 24-hour account access with "HomeCU" home banking or "Teller-24" audio response

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Share Draft (Checking Account) -- "Members Choice Account"

  • A minimum initital deposit of $25.00 is required
  • Does not earn a dividend
  • No monthly service fee
  • Payroll deduction is available
  • Direct deposit is available
  • A monthly statement is furnished showing all transactions
  • 24-hour account access with "HomeCU" home banking or "Teller-24" audio response

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Share Draft (Checking Account) -- "Advantage Checking"

  • A minimum initial deposit of $25.00 is required
  • An average daily balance of at least $1,000.00 is required to earn a dividend
  • A $7.00 per statement cycle service fee is imposed if the minimum balance requirement is not maintained
  • Dividends are paid monthly
  • Payroll deduction is available
  • Direct deposit is available
  • A monthly statement is furnished showing all transactions and dividends earned
  • 24-hour account access with "HomeCU" home banking or "Teller-24" audio response

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Special Shares Account

  • A minimum initial deposit of $25.00 is required
  • An average daily balance of at least $100.00 is required to earn a dividend
  • Dividends are paid quarterly
  • Payroll deduction is available
  • Direct deposit is available
  • A quarterly statement is furnished showing all transactions and dividend earned
  • 24-hour account access with "HomeCU" home banking or "Teller-24" audio response

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IRA Share Account

  • Guidelines for enrolling in an IRA account are covered in a separate package given to members upon enrollment
  • IRA accounts available are:
    • a) Traditional IRA
    • b) Roth IRA
    • c) Educational IRA
  • Market Index Certificates are available for IRA investments (ask credit union for details)
  • A minimum initial deposit of $25.00 is required. Successive minimum add-on amount is $25.00 per deposit
  • An average daily balance of at least $100.00 is required to earn a dividend. (On Regular Share IRA's only)
  • Dividends are paid quarterly
  • $2,000.00 maximum deposit per year allowed
  • A quarterly statement is furnished
  • No front end charges

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Term Share Accounts & IRA Term Share Accounts (Certificates of Deposit)

  • A minimum deposit of $1,000.00 is required to open a Term Share Account
  • Terms available: 6 month, 12 month, 18 month, 24 month, 36 month, 48 month
  • Penalty for early withdrawal is equal to 90 days dividends at Term Share account rate for Term Share account terms of two (2) years or less
  • Penalty for early withdrawal is equal to 120 days dividends at Term Share account rate for Term Share account terms of three (3) years or more
  • Additional deposits to existing Term Share accounts are not allowed
  • Term Share accounts are automatically renewable upon maturity
  • Dividends: Members Choice (For Regular Term Share Accounts only)
    • a) Paid "Quarterly" (added to C.D. principal balance)
    • b) Paid "Monthly" (added to S/D or R/S balance)
  • A quarterly statement is furnished showing all transactions and dividends earned

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Mini-Jumbo & Jumbo Term Share Accounts (Certificates of Deposit)

  • A minimum deposit of $40,000. or $75,000. is required to open a Mini-Jumbo or Jumbo Term Share Account
  • Terms available: 6 months, 12 months, or 25 months
  • Penalty for early withdrawal is equal to 90 days dividends at Mini-Jumbo or Jumbo Term Share Account rate
  • Additional deposits to existing Mini-Jumbo or Jumbo Term Share Accounts are not allowed
  • Mini-Jumbo and Jumbo Term Share Accounts are automatically renewable upon maturity
  • Dividends: Members Choice
    • a) Paid "Quarterly" (added to C.D. principal balance)
    • b) Paid "Monthly" (added to S/D or R/S balance)
  • A quarterly statement is furnished showing all transactions and dividends earned

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