Share Account Our Share Account is like a savings account in many ways. It provides you a secure place to save your hard-earned dollars while earning a dividend on your balance each quarter.  The difference between a share account and regular savings is that each $5 you deposit becomes a share, making you a part-owner in the credit union.  The dividend rate is determined by the board of directors after each dividend period. To earn dividends on the account, we require you to keep a minimum balance of only $25.  There is a .25 cent fee to join.   Christmas Club Account Our Christmas Club Accounts earn interest quarterly and are available for our members to start their holiday shopping by the first Tuesday in November.   IRA Account An IRA is a great way to save for the future. In many cases, contributions are tax deductible and all interest received on the account is tax deferred until withdrawal.  We offer the Traditional, Roth and Educational IRA's.   Certificates of Deposit We offer competitive rates on all of our CD accounts.  We also offer a 6 month, 12 month, 24 and 36 month CDs.