Retirement, Education & Health Savings Accounts

• Minimum balance as low as $100.00
• Dividends are compounded and paid monthly on Traditional and Roth IRA Certificates
• Dividends are compounded and paid quarterly on Traditional and Roth IRA Share Accounts
• Competitive rates
• IRAs and other Retirement Funds are federally insured up to $250,000.00 by the National Credit Union Administration (effective April 1, 2006.)
• Early withdrawal penalties may apply
• Access your IRA account information with the following services: PC Connection-your online banking service and Teller Phone.

• Annual contributions may be tax deductible
• Taxes deferred until time of withdrawal
• Penalty-free withdrawals for certain qualified reasons

• Non-deductible contributions
• Earnings are tax free
• Ability to withdraw without penalty if certain conditions are met

• Minimum balance as low as $100.00
• Dividends are compounded and paid monthly on ESA Certificates
• Dividends are compounded and paid quarterly on ESA Club Accounts
• Competitive Rates
• Non-deductible contributions on behalf of a child
• Earnings are tax-free
• Ability to withdraw without penalty to pay for qualified education expenses
• Early withdrawal penalties may apply

• No minimum balance required
• No monthly service fee and no per-check fee.
• VISA Check Cards available.
• SURF (Surcharge Free) network
• Teller Phone
• PC Connection your on-line banking service
• CUe-Statements
• Direct Deposit - just ask us for a direct deposit form for your employer
• Convenient monthly statements
• Dividends are compounded and paid quarterly on share draft/checking accounts on balances above $ 2,500.00
• Competitive Rates
• Funds are federally insured up to at least $250,000.00 by the National Credit Union Administration.