Deposit Products

Share Drafts (Checking)

	No Frills Checking	Plus Checking	Golden Year’s Checking. For member’s 50 and over…
Minimum Balance Required	$0	$750.00	$100.00
Courtesy Pay Available*
Access your money at over 4,300 shared branch locations
Free Visa Debit Card
Free Internet Banking
Free Billpay
Free Mobile Banking
Free E-Statements
Free Internet Transfers
Free Cashier’s Checks
Free Notary Service
Free ATM access at over 43,000 ATM locations**
Free Standard Checks
Earns Interest
Premium CD rates
Monthly Service Charge (only if balance falls below minimum)	$0	$7.50	$5.00

* Courtesy Pay program provides an account holder up to $500 overdraft privilege on their checking account. The account holder will be assessed the normal NSF charge but the item(s) will be paid (up to the stated amount) by the credit union thereby saving costs charged by the merchants or other institutions.

** Free ATM access is available at any Trust FCU ATM or Allpoint network ATMs. Click here to find Allpoint ATM locations.

Regular Shares (Savings)

This is your membership account. You must maintain a $25 balance in this account to remain a member. The account pays dividends quarterly on average balances greater than $100. See Rates

Christmas Club Account

An account established primarily for the purpose of saving for the Christmas holiday season. Dividends are paid on a quarterly basis; funds are transferred over to regular shares account on November 1st. Withdrawals should not be made before November 1st, however if they are, a $10 fee will be charged for each withdrawal. See Rates

Money Market Account

This account pays a higher dividend rate than regular shares or checking but does not have a term commitment like a CD. There are two tiers of money market accounts, $2,500 minimum and $10,000 minimum. See Rates

Accumulative IRA

Both Traditional and Roth IRA’s are available through the credit union.

Traditional IRA

Traditional IRA’s make sense if you want a tax deduction now or if you think you will be in a lower tax bracket when you retire. Minimum balance required to open is $50, dividends are paid on balances of over $100. All IRA accounts are subject to federal guidelines and regulations. See Rates

Roth IRA

Roth IRA’s are a good fit if you don’t need the tax break now. A Roth IRA is more flexible because you can withdraw regular contributions at any time, tax-free and penalty free and you do not have to take mandatory distributions at age 70 ½. Minimum balance required to open is $50, dividends are paid on balances of over $100. All IRA accounts are subject to federal guidelines and regulations. See Rates

Term Share (CD’s) and IRA Certificates

CD's are offered in standard terms of 3, 6, 12, 24 or 36 months and will automatically rollover at maturity to a matched term CD without member instruction. CD specials do not automatically rollover. Proceeds from CD specials at maturity will be deposited into the member's share account. The minimum balance is $500. There are penalties for early withdrawal. See Rates

Business Accounts

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