Another equally important function of the credit union is to help our members save money. The interest rates are very competitive while the penalties are almost minimal as compared to most financial institutions. For example, if you wish to withdraw money from either your Holiday or Vacation Club account, there is a 10% penalty. Most large financial institutions charge between 20-30%!

As the new millennium approaches you can rest assured your money is safe with us. We are 100% Year 2000 complaint. All deposits up to $100,000 are insured. The credit union has a firm economic standing and is becoming more financially fit everyday. We offer a variety of options to suit your financial needs:

• Regular Share accounts are similar to financial institutions' savings account. The major difference is the deposited amount represents the share of the credit union owned by that member, and the members' shares pay dividends. In addition, our rates are usually very competitive.
• Share Draft accounts are similar to financial institutions' checking accounts. Share draft accounts allow members to draft from share accounts using a piece of paper, hence the term share draft.
• Share Certificates are term accounts members select (terms, rates, fees and minimum opening deposits from the Rate and Fee Schedule at the time of establishing the account).
• Holiday Club can be started with as little as $2.00. This allows credit union members to save for holiday gifts and parties along with other festive events. The holiday club checks are issued as early as the first week in November.
• Vacation Club like the holiday club, only requires $2.00 to initiate savings. This check is issued the first week in May. This gives credit union members the opportunity to plan an all-inclusive vacation or a weekend getaway.