Certificates

Standard

Our certificates are available to all members and prove a smart solution for long-term money management. Dividends are compounded daily and applied quarterly. Rates, terms and minimum balances vary, so check here or give us a call

Youth Certificates

Made to provide greater savings for youth - at a level they are capable of. Each CD is a minimum of $500. The youth must be the primary account holder and 18 years of age or younger. Check our rates page for the current interest rate.

Christmas Club

We offer a Christmas Club so that you can set aside money to be used for gift purchase and other holiday expenditures. You may join any time during the year and at the end of October have money ready to help you through the holidays. The Christmas Club money earns dividends all year long. In 2008 we disbursed nearly $250,000 to our members

IRAs

IRA’s are any excellent option for any retirement plan. With more and more options every year do your research carefully. Browse your options by picking from the list below.

Traditional: Individual Retirement Accounts are a great way to save for your golden years. A low $50 balance is required at time of opening and no custodial fees of any kind are assessed. Eligible deposits are tax deductible up to $5,000 per year

After age 59 1/2 withdrawals can be made without penalty. “Catch-Up” Contributions can be made by workers 50 and older. You may contribute an additional $1,000 a year. To make your IRA money grow faster, you may wish to invest your IRA money in one of our IRA CDs.

Roth: Both IRA’s are different from Traditional IRA’s in the fact that contributions are taxed, but all withdrawals including earnings are tax-free if the account has been open for at least 5 years and the account holder is 59 1/2 or older. All other contribution, limits, regulations and penalties are identical to a traditional IRA.

Maximum contribution: $5,000… Don’t forget if you are a worker age 50 or older, you may be eligible for “Catch-UP” Contributions. $1,000 a year

Educational: An Education IRA is a trust account you set up for a designated beneficiary(Any child under the age of 18). Up to $2,000 per year may be deposited tax-free until the age of 18. Other restriction apply, contact your credit union for details.

Money Market

Money Market Checking Account gives you a higher dividend rate than on a traditional savings account without having to tie it up in a certificate to earn more. You can also receive the ease of access of a checking account if you wish to order checks for this account.

Account Requirements:

$1,000.00 minimum balance must be maintained at all times to earn dividends and if your account balance falls below $1,000.00, a $10.00 draft service charge will be applied on the last day of the month .

$250.00 minimum withdrawal.

Accounts closed prior to the end of the month will forfeit accrued dividends.

You will receive a monthly dividend paid the last day of each month based on your account balance. Dividend rates may change weekly. We will send you a monthly statement showing all account balances and activity. This is a non-transaction account, so no automatic electronic debits can be made to this account.

To open an account, just stop in today!

Personal Savings Accounts

Our primary dividend earning account, with a $5.00 minimum balance required. Dividends earned are compounded daily and credited quarterly on all balances of $100.00 or more. We do not service charge balance under $100.00. We offer the option for direct deposit and ATM access.

With a savings account all our other services become available to you. If you live or work in Marion or Morrow counties, a one time $1.00 membership fee, a $5.00 minimum balance and a valid picture ID (required) is all that is necessary to join. Stop by our office for complete information and a copy of our Truth-In-Savings disclosure.

Savings Rates

Four a complete listing of our Savings Rates, visit our rates page.

Vacation Club

Our vacation club earns dividends from dollar one and feature year-long access. A $5.00 minimum balance must be maintained. Saving for that special trip has never been easier, so open a vacation club today.