We can help.

Credit unions were founded on the principle of "people helping people." That philosophy is still a driving force in the day-to-day operations of today's credit union. When we improve the life of one member, we improve the lives of all members since we share in the financial success through dividends and better loan rates.

Who should I contact?
Ask a credit union teller or manager who can help you create a savings plan.

What products do credit unions offer?
Your credit union may offer some or all of these products that offer different ways to meet your needs.

Savings Accounts

• The most basic savings tool.

Savings Clubs

• Basic savings accounts that are directed toward specific needs like Holiday Club, Kids Club, Vacation Club, Seniors Clubs

Share Certificates of Deposit

• A savings account that comes in various maturity periods (such as 6, 12, 24 or 36 months) with higher rates, in exchange for your commitment to keep the money in the account for a fixed time, for longer maturities.

Money Market Accounts (MMAs)

• This type of savings account offers limited check-writing privileges. Floating rates are adjusted with market rates, products of competitive and economic factors.

Money Market Mutual Funds

• A mutual fund that works like an MMA.

Individual retirement accounts (IRAs)

• This type of account may include different types of investments like certificates, stocks, bonds, mutual funds and more.
  • Traditional IRA
  • Roth IRA
  • Educational IRA

Your credit union may offer these additional products -- ask them about U.S. Savings Bonds (Series EE), Stock or Bond Mutual Funds, U.S. Treasury Securities, and Annuities.

You can make saving a regular habit, easily.
Your credit union may have a few ways you can get automatic help in keeping your savings habit on track. Ask them if they offer:

• Direct deposit of your paycheck
• Payroll deduction option that "pays" your savings account along with the option to automatically pay a monthly loan payment, for example