Types of Accounts
* Regular Shares- Our traditional savings account. Simply have $XX.xx deducted from your paycheck or send in a regular amount.
* Christmas Club (01)- Simply have $XX.xx deducted from your paycheck, or send us a regular amount, and watch your Christmas Club account grow! It receives the same generous rate as your shares account. During the first week of November we will mail or pony your Christmas Club check in time for the Christmas shopping season. At $20 per pay you will receive a check for $520 plus interest to spend on your loved ones or yourself for Christmas!!! YES, you can start your Christmas Club at any time.
* Vacation Club (02)- This account operates similar to the Christmas Club account. You can simply designate it for that special trip next summer or important future projects (new car, college fund, taxes, "mad money"...). Like the Christmas Club, your vacation club account receives regular dividends. Your Vacation Club funds are available upon request. We do not mail checks at any set time.
Share Certificates
Certificates of Deposit (CD's)
Share Certificates are available for six(6), twelve(12), thirty(30), and sixty(60) months. A minimum of $100.00 is necessary to open a share certificate. CD's can be used as security/collateral for loans.
There is a penalty for early withdrawals on CD's.
Loans
* Secured or Collateralized Loans- These loans are available with a maximum of $40,000 for up to 72 months using an equal amount of deposited funds for collateral from either your regular shares or share certificates (CD'S). These loans include titled vehicles (new/used cars, trucks, motorcycles, boats, RV's, etc.)
* Unsecured or Signature Loans- A maximum of $6000 for up to 48 months can be borrowed with no collateral.
All transactions can be easily done through payroll deduction.
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