Savings

Personal Savings

A savings account is required for active membership and allows you to begin enjoying all the benefits and services available at THEFCU. Opening a savings account is quick and easy!

• $5.00 one-time membership fee
• $25.00 minimum deposit
• No monthly fees or surcharges
• Convenient Direct Deposit and Payroll deduction available
• Dividends calculated on average daily balance, paid quarterly (Check our current rates)
• Can be used for overdraft protection for Checking accounts
• Can be used as collateral for share secured loans

Certificates of Deposit (CD’s)

If you are able to leave your savings untouched over a period of time, a certificate account at THEFCU may be the right option for you. These accounts help you earn more money on the funds you want to keep intact.

Our certificates offer a wide range of terms and rates to fit your needs:

• 1 year minimum term
• $1000 minimum balance
• Early withdrawal penalties apply
• View our rates and terms
• Can be used as collateral for share secured loans

Individual Retirement Accounts

The best way to start saving for your "Golden Years" is with our IRA account. If you have retirement on your mind, we have a plan that will suit your needs. No minimum deposit to open account. Fixed Traditional IRAs and Roth IRAs available.

Club Accounts

Christmas Club

Plan ahead for your holiday expenses with a Credit Union Christmas club account. Payroll deduction available. Matures annually on October 1st.

Vacation Club

Need a vacation? Plan ahead by payroll deducting your next getaway. No minimum deposit to open the account. Matures annually on April 1st.