You got questions? We got answers.
Youth members may add a checking account and a debit card at age 15+ with a parent/guardian. Minors under age 15 are not eligible for card services.
Yes, you can maintain both types of IRAs at the same time. You can even make contributions to both types of IRAs in the same year. But your contributions to both Roth and traditional IRAs cannot exceed the maximum contribution limit for all IRAs.
Using your debit card, you can make a deposit at any deposit-taking ATM in our network. Visit our ATM locator map to view ATMs within our network.
Yes. Applying takes ~10 minutes.
We may place a hold on certain checks in accordance with our Funds Availability Policy, but not all checks are held. Availability can depend on the type and amount of the check, as well as your account history. Click below to navigate to our Disclosures and view our Funds Availability Policy.
Checks ordered through the credit union are fulfilled by Harland Clarke. You can order checks by clicking the button below. You will need your full routing number and account number information as well as the ending check number.
Tired of paying for checks? Our free Bill Pay service mails checks on your behalf with no need for envelopes, stamps or paying for checks. Login to your account and select 'BillPay & EasyPay' from the menu to check it out.
In order to add or remove account owners, beneficiaries, or other designations, you will need to contact us directly. We have documentation requirements that will require signature(s).
There are limits on the amount of income one can make during a given year-and the limits change from year to year. Please visit the IRS website for details.
Note: The IRS maintains a page that provides additional information about Roth IRAs. You can find that page here: https://www.irs.gov/retirement-plans/roth-iras and you will want to link on a regular basis. The IRS might update its site and change the location of the information.
After 2 years of inactivity, your account will become dormant. You can contact us or stop by your local branch to check your account status or reactivate a dormant account.
Your money is insured by the National Credit Union Administration (NCUA), an independent agency of the United States Government. Your savings is federally insured up to $250,000 and backed by the full faith and credit of the United States Government. You can learn more from this guide from the NCUA.
All our checking accounts feature no monthly fees. Minimum opening deposit of $25 is required. See our Fee Schedule for full list of applicable account fees. Find your next great checking account by visiting the Checking Overview page below.
Share Rates
| Name | Rate | APY* |
|---|---|---|
| Qualifying | 4.89% | 5.0% |
| Not Qualifying | .05% | .05% |
| Qualifying Great Advantage Accounts earn the Qualifying rate on balances up to $10,000. Not Qualifying rate applies to balances over $10,000. | ||
| Tier | Rate | APY* |
|---|---|---|
| $5.00-$1,000 | .10% | .10% |
| $1,001-$5,000 | .10% | .10% |
| $5,001-$10,000 | .15% | .15% |
| $10,001+ | .15% | .15% |
| Name | Rate | APY* | Terms |
|---|---|---|---|
| IRA | 1.00% | 1.00% | No minimum balance required to earn dividend |
| HSA | 1.00% | 1.00% | No minimum balance required to earn dividend |
| Rate | APY* |
|---|---|
| .05% | .05% |
| Name | Rate | APY* |
|---|---|---|
| Business Plus | .05% | .05% |
| Big Business | .05% | .05% |
| High Volume Business | .05% | .05% |
| Tier | Rate | APY* |
|---|---|---|
| $2,500-$25,000 | .60% | .60% |
| $25,001-$50,000 | .80% | .80% |
| $50,001+ | 1.00% | 1.00% |
| Minimum balance of $2,500 must be maintained to earn dividend | ||
A Certificate of Deposit (CD) is a savings certificate entitling the bearer to receive interest. A CD bears a maturity date, a specified fixed interest rate and can be issued in any denomination. When you open a CD, your money is on deposit for a specific time period. For agreeing to keep it on deposit for a specified time period, you earn more than you would in a regular savings account. If you cash it in before its maturity date, you pay a penalty.
Certificates
| Tier | Rate | APY* |
|---|---|---|
| $100-$10,000 | 3.00% | 3.04% |
| Maximum deposit of $10,000.00; $10,000.00 is maximum amount of aggregated certificates per youth member. Additional deposits permitted throughout term of certificate, up to seven (7) days prior to the date of maturity. | ||
| Terms | Tier | Rate | APY* |
|---|---|---|---|
| 24 Months | $500 | 2.24% | 2.26% |
| 24 Months | $5,000 | 2.24% | 2.26% |
| 24 Months | $10,000+ | 2.24% | 2.26% |
| 36 Months | $500 | 2.24% | 2.26% |
| 36 Months | $5,000 | 2.24% | 2.26% |
| 36 Months | $10,000+ | 2.24% | 2.26% |
| Platinum CD rates apply to account holders who qualify and have a Platinum Plus Checking account. | |||
| Terms | Rate | APY* |
|---|---|---|
| 12 Months | 3.00% | 3.04% |
| 24 Months | 2.25% | 2.27% |
| 36 Months | 2.25% | 2.27% |
| Minimum deposit of $2,000 and qualifying IRA/HSA Share account required. | ||
| Terms | Tier | Rate | APY* |
|---|---|---|---|
| 3 Months | $500 | .50% | .50% |
| 3 Months | $5,000 | .50% | .50% |
| 3 Months | $10,000+ | .50% | .50% |
| 6 Months | $500 | 1.00% | 1.00% |
| 6 Months | $5,000 | 1.00% | 1.00% |
| 6 Months | $10,000+ | 3.89% | 4.00% |
| 9 Months | $500 | 1.10% | 1.10% |
| 9 Months | $5,000 | 1.10% | 1.10% |
| 9 Months | $10,000+ | 1.10% | 1.10% |
| 12 Months | $500 | 2.00% | 2.01% |
| 12 Months | $5,000 | 2.00% | 2.01% |
| 12 Months | $10,000+ | 2.00% | 2.01% |
| 18 Month Bump | $500 | 1.85% | 1.86% |
| 18 Month Bump | $5,000 | 1.85% | 1.86% |
| 18 Month Bump | $10,000+ | 1.85% | 1.86% |
| 24 Months | $500 | 2.00% | 2.01% |
| 24 Months | $5,000 | 2.00% | 2.01% |
| 24 Months | $10,000+ | 2.00% | 2.01% |
| 36 Months | $500 | 2.00% | 2.01% |
| 36 Months | $5,000 | 2.00% | 2.01% |
| 36 Months | $10,000+ | 2.00% | 2.01% |
An IRA is an Individual Retirement Account. We offer two types: Roth and Traditional. There are tax benefits and requirements for each. You can learn more about our IRA offerings here.
When you opened your account with us, you should have been provided a 5 or 6 digit number. This number allows you to access your account online and in-person. If you need to view your full account number for direct deposit, you may find it by logging into your account online. If you cannot locate your Member ID or access your account online, call us directly.
When you're ready to open your share-savings account, please be ready with the following documentation:
- Proof of Physical Address
- Minimum Deposit of $5.00 for share-savings
- Other minimum requirements apply for checking products
- Valid Identification
- You must know your SSN/ITIN
The documentation needed varies depending on account type. At a minimum, we require a valid ID, proof of address and your SSN or ITIN. Additional documentation is required for different account types. Reach out to us directly and we can provide the list of needed items for the account type you are interested in.
Right now, we are offering our 6-month CD with a minimum deposit of $10,000 at 4.00 APY**.
Dividends are posted automatically on the last day of every month. This will reflect on the statement which you will receive the following month.
Courtesy Pay is a service which pays your overdraft transactions instead of returning them. If you are not enrolled in Courtesy Pay and a transaction attempts to clear your account with insufficient funds, you will be charged a Return Item Fee and the transaction will be declined. If you are enrolled in Courtesy Pay, we will pay the transaction for the same fee. Learn more about Courtesy Pay.
ISA stands for International Service Assessment. When a transaction originates from outside of the US, a fee is charged to the transaction to convert the funds to dollars. This is a pass through fee that is 2% of the transaction amount.
No. The amount you contribute to your 401(k) or other employer-sponsored plans will not be affected by your Roth IRA.