Regular Share (Savings) Accounts

The regular share account offers two important benefits to members:

  • The initial $5.00 deposit establishes you as a “shareholder” of the credit union and entitles you to receive all the benefits of credit union membership.
  • Our regular share account offers a generous interest rate, helping your savings grow more quickly. You can maximize your interest payment by taking advantage of our Payroll Deduction Plan or Direct Deposit.

We also offer the following Club Accounts:

Kids Club

This club allows children ages 0-12 to learn about saving money, as well as the benefits of belonging to a credit union. Members will receive:

  • The opportunity to open a share certificate with a $500 minimum balance
  • $5 in Birthday Bucks
Emerald Teen Club

Teens ages 13-17 are automatically enrolled in the Emerald Teen Club. As they strive toward independence, Emerald Teen Club members will learn about checking and saving accounts, wisely building and using credit, and preparing for life after high school. Benefits include:

  •     The opportunity to open share certificates with a $500 minimum balance
  •     The opportunity to apply for a $500 loan to help establish credit
  •     $5 in Birthday Bucks

Once a teen reaches 16 years of age, they may also be eligible for:

  •     Free Visa Debit Card*
  •     1st Checking Account*

*Some restrictions apply, contact your local branch for details.

Christmas Club

Deposit money into your Christmas Club Account throughout the year and we’ll disperse the funds into your chosen account in September. Use the money for holiday season shopping, entertaining, travel, and more! 

Golden Classics Club

Golden Classics is a club account for those members who are 55+ or who have retired from employment. Along with free membership, members receive one free box of standard checks per year. 

Open an Account   


Share Rates
Effective Date: April 1, 2024
Rate TypeCurrent RateAPY
Regular Shares (01) 0.10% 0.10%
Share Drafts (07) 0.05% 0.05%
IRA Shares 0.75% 0.75%
Christmas Club (08) 0.10% 0.10%
Additional Savings (09 – 15) 0.10% 0.10%

Federally insured by NCUA. APY = Annual Percentage Yield. Ask us for further information about the terms, fees, and conditions that may apply to these accounts. 

Open a Share Account


Savings: How much should I save to reach my goal?

What are you saving for: a computer, car, boat, summer home, down payment? Use this calculator to determine what you need to save on a regular basis to have the funds ready when needed.



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