DEPOSIT ACCOUNTS

Regular Share Accounts

Our Regular Share account establishes membership in the credit union with a $25.00 deposit. A $5.00 monthly service fee is charged to the account if the balances between all active accounts under the same number fall below $250.00. Dividends are computed and paid quarterly. Once this account is open, members may utilize the other products and services of the credit union.

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CHECKING ACCOUNTS

Our Advantage Checking (Share Draft) account features no minimum balance requirements, unlimited check writing, direct deposit, online access with bill pay, MasterCard debit cards with unlimited transactions and identity theft protection through IDProtect®*. With Advantage Checking, you receive all of the above listed services and more for a $3.95 monthly fee (our members 60 and over, the fee is $1.95 per month).

Our Basic Checking (Share Draft) account offers the same services as the Advantage Checking with the exclusion of the identity theft protection through IDProtect®.

Overdraft Protection is available with credit approval.

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Cha Ching Checking

Cha Ching Checking is an interest bearing checking account. To receive the dividends on the account, members must have a minimum of one direct deposit into the checking account each month, at least 12 (cleared) debit card transactions per month, online access and E-statements and ID Protect. If all qualifications are met, dividends are paid monthly on the last business day of the month up to $15,000 (based on the average daily balance) plus USCU will refund ATM fees up to $10 per month and the ID Protect Fee.

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Money Market Accounts

Our Money Market account provides options to earn a higher interest rate with easy access to funds. The minimum balance of $5,000.00 is required to open this account and will earn a higher rate of interest than the regular shares. Dividends are accrued on a tiered-scale (based on the total funds in the account) and are paid quarterly.

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Christmas Club/Special Savings Accounts

Our Christmas Club account allows our members to make deposits throughout the year to save for Holiday expenses. The funds in the account are either mailed to our members in the form of a check or can be transferred to the regular share account during the first week of November.

Special Savings accounts may be used for a variety of purposes such as saving for a vacation, a special event, etc.

No minimum balance is required to open the Christmas Club or Special Savings account.

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TERM CERTIFICATE ACCOUNTS

Our Term Certificates are a fixed-rate deposit account. Funds are locked in for a specific term and generally pay higher interest than the Regular Savings account. For more information regarding rates and terms, speak to a Member Services Representative.

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IRA ACCOUNTS

Our IRA account(s) are a low-cost way for our members to save towards retirement. We offer Traditional, Roth and Coverdell IRA accounts. Deposits are voluntary and can be made throughout the year. Dividends are computed and paid quarterly.

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