DEPOSITS
Deposits may either be made in cash or check at the Credit Union Office. Personal check or money order will be accepted through the mail. Payroll deduction of Direct Deposit, also known as ACH is available. The maximum savings in any one account may not exceed $250,000. All savings are insured by the National Credit Union Adminstration (NCUA).

DIVIDEND OF SHARES
Our profits are derived from interest on loans to members, government bonds, investments, etc. The Board of Directors sets dividends. Dividends are paid quarterly. No dividend is paid on accounts with balances under $100. The dividend will be posted to accounts on the last day of the quarter and appears on the statement. Report Form, 1099 is prepared for accounts earning over $10 in dividends. These forms are mailed to each member and a copy sent to the Internal Revenue Service.

WITHDRAWALS
Call anytime for withdrawals

HOLIDAY CLUB
New Club Accounts start November 1st each year; members may join at any point in the year. Interest is paid only once a year.   No withdrawals are allowed. Interest rate is determined during the third quarter each year.

Holiday Club checks for the current year will be transferred into your share account on October 31st and will include an interest rate to be determined by the Board at its October meeting. Be aware that current accounts will continue for next year unless a request is made to stop the deductions. If a member wants to change their deduction amount, start a new account or discontinue the plan, they should fill out and submit a request form.