Share Draft Checking
  
Credit Union Share Draft Accounts work just like a checking account only better. You'll receive dividends on your balance plus, there are no minimum balance requirements and no per check fees or service charges. Plus, overdraft protection is available from the Share Savings Account.

Once membership is established in the credit union, a Share Draft Account may be opened. Members who direct deposit their paychecks pay only $8 for a box of checks. Members without direct deposit pay just $13 for a box of checks.  Members who direct deposit their social security check or pension check, receive FREE checks.

The credit union provides duplicate checks to help maintain accurate records. Canceled checks are not returned except by special request and for a nominal fee. Photocopies of canceled checks may also be obtained for a nominal fee.

Access to your account is available 24 hours a day, seven days a week with

Insured Money Market Account
  
Insured Money Market Accounts (IMMAs) provide members with a great return on their investment with accessibility to the funds. A minimum daily balance requirement of $2,500 applies to the IMMA. Members can withdraw in person or write checks three times per month. The minimum transaction or check amount is $200. IMMAs earn better dividends than a traditional Share or Share Draft Account because of the higher balance required.

The IMMA works like a Share Certificate and a Share Draft Account combined. The IMMA is like a certificate because it requires a higher balance and earns a higher dividend. The IMMA works like a Share Draft because members can write checks on the account, thus having access to the funds.