Share Savings

You automatically open a share savings account when you become a member.  Your minimum opening deposit of $5.00 goes directly into this account and you will earn competitive dividends/interest paid quarterly.  You'll find saving is easy with payroll deduction, ACH, deposit by mail, or "In Person".

MONTHLY SERVICE CHARGES
None

BENEFITS

• Unlimited check writing
• Direct Deposit
• Monthly statement
• Payroll deduction
• Overdraft protection available
• First order of checks free
• eStatements
• Courtesy Pay

Minimal fees will apply for copies of drafts, stop payments, overdraft transfer fees, return items, etc. 

Check Reorder

Share Certificates provide a safe way to save for the future whether you have short or long term needs.  Certificates are available for a minimum of $1000.00 with rates on various terms.  Terms are from 31 days out to 30 months.

EARLY WITHDRAWAL PENALTY: If the maturity of a share certificate is one year or less, the forfeiture is equal to 90 days dividends. If the maturity of a share certificate is more than one year, the forfeiture is equal to 180 days dividends.  Call a member service representative at 850-682-2225.

• Minimum amount of $1000.00 to open account.
• $5.00 monthly service fee if the balance drops below $1000.00
• Obtain unlimited "in person" withdrawals
• Use 24 hour audio response and home banking for unlimited transactions.
• Transaction Fees and Limitations:
  Debit transactions up to 3 per statement cycle are free.  Debit transactions in excess of 3 per statement cycle are $3.00 per debit.  Transfers from a money market account or to third parties by preauthorized, automatic, telephone, or ATM transfers (to third parties only) are limited by federal regulations to 6 per statement cycle with no more than 3 by check draft, debit card, or similar order to third parties.
• Dividend rate and annual percentage yield may change at any time as determined by the board of directors.
• Dividends are compounded and credited monthly.

IRA (Individual Retirement Account(s)

The Credit Union offers Traditional IRAs, ROTH IRAs and Education IRAs.  Contact the credit union's IRA department for more information.  Call a member service representative at 850-682-2225.

Give Yourself a Gift Next Christmas!

What would be the best present you could give yourself next Christmas?  How about the chance to do your shopping without worrying about how to pay the bills?  You can give yourself the gift of worry-free shopping by opening a Christmas Club account.

You can make regular deposits through payroll deduction, or you can deposit money at your convenience.  Our Christmas Club account allows you to keep your holiday funds separate from your other savings and earn dividends on every dollar.  In early November, we'll transfer the funds to your regular savings account or mail you a check. 

You save for that dream vacation by opening a vacation club account.  Earn dividends on every dollar.  You can make regular deposits through payroll deduction, or you can deposit money at your convenience.  Disbursement is made at member's request.