Services

	SAVINGS ACCOUNTS
	SHARE (SAVINGS) IRA SHARE DRAFT/CHECKING CHRISTMAS CLUB SHARE CERTIFICATES (CDS)
	OTHER SERVICES
	INTERNET BANKING VISA CHECK CARDS CHAMP24 - A 24 HOUR AUTOMATED SERVICE MEMBERS Auto & Home Insurance TRAVELERS EXPRESS MONEY ORDERS CASHIER'S CHECKS FIRST CLASS POSTAGE STAMPS AMC THEATRE DISCOUNT TICKETS SPLASHTOWN DISCOUNT TICKETS SCHLITTERBAHN DISCOUNT TICKETS DOMESTIC BANK WIRES AMERICAN EXPRESS TRAVELERS CHECKS FREE NOTARY PUBLIC SERVICE DRIVE-THRU TELLER DIRECT DEPOSIT PAYROLL DEDUCTION VEHICLE PRICING On Any New or Used Vehicle Vehicle Buyers Guide 123 Quick Quote Let the dealer do the walking. NIGHT DEPOSITORY GAP PROTECTION AUTOEXAM

REGULAR SHARE (SAVINGS) ACCOUNT

The Main Account With The Credit Union Is A Share Account. This Establishes Your Membership With The Credit Union. The Minimum Deposit To Join Is $25 Plus $1 Membership Fee. Dividends (Interest) Are Paid On The Average Daily Balance Method For The Quarter. The Minimum Average Daily Balance Is $500 To Earn Dividends. (See RATES) The Funds In The Share Account Can Be Used For Share Secured Loans, Overdraft Protection For Your Share Checking Account, Transfers To Pay Loan Payments, And Withdrawals.

SHARE CHECKING ACCOUNTS

PREMIER ACCOUNT:
The Minimum Deposit To Open This Checking Account Is $25. Dividends (Interest) Are Paid Based On The Average Daily Balance Method Of The Month. The Minimum Average Daily Balance To Earn A Dividend Is $500. There Is A $4 Monthly Service Charge If The Balance Drops Below $300.00 On Any Day Of The Month. Overdraft Protection Is Available. (See RATES)
ATM Cards Are Available For Share Draft/Checking Accounts.

CLASSIC ACCOUNT:
The Minimum Deposit To Open This Checking Account Is $25. There Are No Dividends Paid On This Type Of Account; HOWEVER, There Is NO Monthly Service Charge! That Means There Is No Minimum Balance Requirement! Overdraft Protection Is Available.
ATM Cards Are Available For Share Draft/Checking Accounts.

NEW HORIZONS ACCOUNT (for members 55 years of age and over):
The Minimum Deposit To Open This Checking Account Is $25. Dividends (Interest) Are Paid Based On The Average Daily Balance Method Of The Month. The Minimum Average Daily Balance To Earn A Dividend Is $300. There Is No Monthly Service Charge. Overdraft protection is available. (See RATES)
ATM Cards Are Available For Share Draft/Checking Accounts.
NOTE: New Horizons Club members are given two (2) free boxes of checks per calendar year and club members that qualify can get 1/2% off regular all loan rates.

INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)

The Minimum Deposit To Open This Account Is $500 Plus $9.50 To Cover The First Annual Service Charge and Opening Fee. Dividends (Interest) Are Paid On The Average Daily Balance Method For The Quarter. The Minimum Average Daily Balance Is $0 To Earn Dividends (See RATES) There Is An Annual Service Charge Of $7.50.

CHRISTMAS CLUB ACCOUNTS

The Minimum Deposit To Open This Account Is $5. The Dividends Are Posted Once A Year And Are Paid On The Average Daily Balance From The Date Of Opening To October 31st. The Minimum Average Daily Balance Is $100 To Earn Dividends (See RATES)

CHAMP24

This Is An Automated System That Allows You To Call In And Have Access To Your Account Information 24 Hours a Day! You Can Obtain Balances, Check For Deposits, Transfer Money in Between Your Different Accounts, And ( if you have a share checking account) You Can Check to See If a Specific Check Number Has Cleared. Contact Us To Setup Up This Convenient Service!

The Premier Share Checking Account Rate Is Calculated On Average Daily Balance, Paid And Compounded Monthly. Share (Saving) Account Rate Is Calculated On Average Daily Balance, Paid And Compounded Quarterly. Christmas Club Account Rate Is Paid On The Average Daily Balance And Paid Annually. Rates Subject To Change At Any Time By The Board Of Directors.