Upon joining the credit union, every member opens a share (savings) account. This account features:

• Low minimum balance of $25.00
• Dividends paid quarterly (calculated on the daily balance)
• May be used as overdraft protection for share draft (checking) account
• May be used as collateral for a loan
• Funds accessible at ATMs (for share draft accountholders with debit cards)
• Life savings insurance available
• Deposits can be made by mail, in person, or by payroll deduction
• Can be set up for automatic debit of recurring bills, such as insurance payments or utilities