The Share account serves as the foundation of credit union membership.
- Minimum balance is just $5.00
- Each member is granted one equal share and one vote, irrespective of the amount they have on deposit
- Earns dividends from the first day of deposit *
- The Board of Directors declares dividends at the end of each quarter
- Dividends are calculated using the average daily balance for the previous quarter and paid directly to the Share account
Savings Rates
Share Savings, Club Accounts, and IRAs
The Share account is the foundation of credit union membership. It is a savings account and a way for our member-owners to own shares in the credit union.
| Account | APY* |
|---|---|
| Regular Share (Savings) | 0.10% |
| Club Accounts (Christmas & Vacation Club) | 0.10% |
| IRA | 1.00% |
| *APY = Annual Percentage Yield. Prospective rates for the Second Quarter of 2025, April, May, and June, are accurate as of April 24, 2025. RATES SUBJECT TO CHANGE WITHOUT NOTICE. CONTACT CREDIT UNION TO VERIFY CURRENT RATES AND YIELDS. Dividends are declared at the end of each quarter, calculated on the average daily balance, paid and compounded quarterly. Fees assessed to the accounts can reduce earnings. The Share account's minimum balance (par value) is $5.00, which is the minimum balance required to earn stated APY. The minimum balance for Club accounts is $5.00, which is the minimum balance required to earn stated APY. IRA accounts have a minimum balance of $100.00, which is the minimum balance required to earn stated APY. | |
How much do I need for emergencies?
It is prudent planning to have at least three to six months of liquid/cash assets set aside in the event of a loss of job, medical emergency, short-term disability, etc. Use this calculator to help determine how much you need to set aside monthly or as a lump sum to create an emergency fund.The calculators are made available to you as self-help tools for your independent use and are not intended to provide financial advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.