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SAVINGS & CLUB ACCOUNTS

  • ► Share Accounts:


    Share Accounts

    Share Accounts:

    A Share account is a savings account, which renders a quarterly statement and is the base account for all credit union members. Dividend rates are competitive and are compounded and credited monthly. Funds can be transferred automatically to Share Draft accounts when overdrafts are presented.

    * Minimum balance to open – $5.00
    * One-Time Membership Fee – $10.00
    * Social Security Card and Government issued Photo ID required to open account

  • ► Christmas Club Accounts:


    Christmas Club

    Christmas Club Accounts:

    Plan ahead for your holiday shopping! A Christmas Club account is a high yield savings account designed to help you put away money for the holidays. Deposit any amount at any time. Funds deposited or transferred into the Christmas Club account cannot be touched, allowing for your money not only to be available when the holiday season arrives, but to also grow. The competitive dividend rates are compounded and credited monthly from January to October. On November 1st, the funds in your Christmas Club are automatically transferred into your Share savings account where they may be used at your discretion.

    • Membership is required
    • Account may be opened at any time
    • Minimum balance to open is $5.00
    • For your convenience, funds may be deposited by:
      • Teller
      • Direct Deposit
      • Payroll Deduction
      • Periodic automated account transfer
    • Funds in account are only transferred out once, on November 1st
    • Dividends do not accrue during Nov. & Dec.
    • Withdrawal of funds prior to November 1st:
      • Forfeits all dividends,
      • Constitutes Club closure, and
      • Earns a $10.00 early closure fee
    • No monthly fee
    • Remains open to receive future deposits after funds are distributed

  • ► Club Savings Accounts:


    Club Savings

    Club Savings Accounts:

    If a special vacation is in your future, try using our Club Savings Account. This account is a high yield savings account designed for when you need to earmark funds for a certain goal. Money deposited into the Clubs Savings Account can only be accessed twice a year. This restriction helps to regulate spending and encourage saving, while still giving you access to your Club funds so that you can do the things you need to do. The competitive dividend rates are compounded and credited monthly, growing your special savings faster than a Regular Share account. And since the funds you have reserved aren’t easily accessible for day-to-day needs, they are more likely to be available when you need them for that once in a lifetime trip of that long awaited family vacation.

    We know that putting money away for the future can be a real challenge. This account can help you get into the habit of saving regularly for things like your education, vacations, building your nest egg, medical expenses, annual property tax, a new baby, your child’s first car!

    You can use this account for any expense that demands disciplined saving.

    • Membership is required
    • Minimum balance to open is $5.00
    • For your convenience, funds may be deposited by:
      • Teller
      • Direct Deposit
      • Payroll Deduction
      • Periodic automated account transfer
    • Two withdrawals allowed per year
    • A third withdrawal constitutes Club closure
    • No monthly fee

  • ► Share & IRA Certificates:


    Share & IRA Certificates

    Share Certificates:

    Enjoy higher dividend yields to meet your investment needs! A Share Certificate account is an account where funds are deposited for a pre-determined length of time; a term. In exchange for agreeing to leave your money with us for this set time-period, you may earn a fixed higher yield than on a regular savings account. Certificates are safe, secure, and flexible. Perfect for adding to your nest egg over a longer period, or as a way to diversify the risk in your investment portfolio. With terms from six months to five years and a minimum deposit of $500, you’re sure to find a certificate that will meet your financial needs. And unless you request otherwise, your monthly dividends are invested back in the Share Certificate – so you actually earn dividends on your dividends! If you have funds you are able to commit for a specific period of time, enjoy the preferred rates our Share Certificates offer!

    • Membership is required
    • Minimum balance to open is $500.00
    • Tiered Rates, based on amount and term
    • Terms are 6, 12, 24, 36, 48, & 60 months
    • Automatic renewal or transfer to share at maturity
    • Renewal notice mailed prior to maturity
    • Closing your Certificate or withdrawing funds prior to maturity will result in a loss of earnings and/ or penalties

  • ► Super Cash Account:


    Super Cash

    Super Cash Account:

    Do you want to earn a high return on your money, without tying it up in a Share Certificate? Our Super Cash account is a premium rate Share account requiring a minimum balance of $5,000.00. Dividends are paid to the account monthly. Funds may be withdrawn twice a month with no penalty. As a benefit of maintaining a Super Cash account, you are eligible to receive: a no-monthly-fee Share Draft account; free Official Checks; and, fee free Money Orders. A convenient way to save for your future and greater flexibility with your funds!

    • Membership older than one year, required
    • Minimum balance to open is $5,000.00
    • For your convenience, funds may be deposited by:
      • Teller
      • Direct Deposit
      • Payroll Deduction
      • Periodic automated account transfer
    • Two withdrawals permitted per month
    • Subsequent withdrawals in a single month bear a $10.00 fee
    • $25.00 monthly fee for balances below $5,000.00
    • $50.00 fee if account is closed within the first year

  • ► ‘Country Kids Club’:


    Country Kids

    ‘Country Kids Club’

    It’s never too soon to save for the financial future!

    1. Share account paying a premium rate up to $50,000.00. Dividends will be paid monthly.
    2. Upon opening account, members will receive:
      • A Country Financial Credit Union Piggy Bank.
      • A quarterly statement so that they are able to see how their account grows and how the Credit Union pays them in the form of dividends for saving their money.
      • On each birthday, the ‘Country Kids Club’ member will receive a birthday card and gift.
      • On their 18th birthday, the member will receive a birthday card congratulating them and a letter stating that their ‘Country Kids Club’ has converted to a regular share account, and informing them of all the other financial services they are now eligible for.
      • Upon completion of high school, Country Kids Club account holders are eligible for the annual drawing of a Scholarship.

    Participate in Mad City Money and experience life on a budget. Join us for a MoonJar fun day to learn why we spend, share, and save money. Ask your CFCU representative when the next years events will be held or how to schedule your own!