Member Services

Savings Account Options

The first account you open when joining is a savings (share) account. We call it a “Share” account because as a cooperative financial institution you become a member-owner when you join. Plus, we offer other high interest bearing accounts to meet your personal savings and investment plans. However, no matter how many types of accounts you choose to have, they are all listed under one easy to remember account number that makes it easier for you to access your money. Savings Rates

Member Junior Share

This is the perfect account to begin educating youth about the benefits of savings. This account is designed for members under the age of 18 years. After the member reaches the age of 18 years, the account reverts to a member share account. Youth members will be able to have a free ATM card to access their account 24-hours, 7-days-a-week. This account is required when you open a member junior checking account relationship. Member Junior Share accounts have the benefits of free on-line banking, free phone banking, free e-statement, and free e-notice.

Member Share

Members Credit Union is the perfect place to begin building a strong and safe financial future. Whether starting your nest egg or you just need a rainy day fund, we are the perfect institution for beginning your member-owner relationship. Free ATM card, free on-line banking, free phone banking, free e-statement, and free e-notice are available with this account. This account is required when you open a member checking account relationship.

Direct Share

Compatible with the direct checking relationship, this account is designed to offer convenience and accessibility. Earn dividends on funds in this account and transfer to your checking account using free on-line banking or free phone banking to meet your needs. Free ATM card, free on-line banking, free phone banking, free e-statement, and free e-notice are available with this account. This account is required when you open a direct checking account relationship.

Interest Share

An account designed for the serious saver! Open an Interest Share and an Interest Checking and begin earning interest on both accounts. This account will allow you easy access and transferability to your interest earning checking relationship. Free ATM card, free on-line banking, free phone banking, free e-statement, and free e-notice are available with this account. This account is required when you open an interest checking account relationship.

Mature Share

This account is designed for our mature members who have attained the age of 50 years and beyond. When used in combination with our mature checking account members receive additional benefits. Free ATM card, free on-line banking, free phone banking, free e-statement, and free e-notice are available with this account.

Mature Share Account provides ATM Transaction benefits:

No Fee at Members Credit Union ATM’s
Other ATMs: $1.00 per transaction
Avoid other ATM fee with direct deposit into mature share account

This account is required when you open a mature checking account relationship.

Daily Dividend Share

Designed with the saver in mind! Earn dividends without a minimum balance requirement. Earn a greater return on your investment with dividend calculated daily, compounded and credited monthly.

Vacation Fund

Plan your vacation today. Invest in yourself as you enjoy a vacation with cash you have saved and dividends you have earned. Direct Deposit funds each payday or begin an automatic transfer to fund your next vacation.

Christmas Club

Start your holiday fund today and enjoy paying cash for your holidays. Direct Deposit funds each payday or begin an automatic transfer to build your holiday spending fund.

Savings Rates
Account	Rate	APY*	Daily Minimum Balance
Member Junior Share	0.10%	0.10%	$5.00
Member Share	0.10%	0.10%	$100 - 2,499
	0.15%	0.15%	$2,500 - 4,999
	0.20%	0.20%	$5,000 - 9,999
	0.25%	0.25%	$10,000 +
Direct Share	0.10%	0.10%	$100 - 2,499
	0.15%	0.15%	$2,500 - 4,999
	0.20%	0.20%	$5,000 - 9,999
	0.25%	0.25%	$10,000 +
Interest Share	0.10%	0.10%	$100 - 2,499
	0.15%	0.15%	$2,500 - 4,999
	0.20%	0.20%	$5,000 - $9,999
	0.25%	0.25%	$10,000 +
Mature Share	0.10%	0.10%	$100 - 2,499
	0.15%	0.15%	$2,500 - 4,999
	0.20%	0.20%	$5,000 - $9,999
	0.25%	0.25%	$10,000 +
Daily Dividend	0.10%	0.10%	$0.00
Vacation Fund	0.10%	0.10%	$0.00
Christmas Club	0.10%	0.10%	$0.00
* Annual Percentage Yield

Return to Top