Your share (savings) account is your "foundation" account. You can make deposits and withdrawals on this account with your ATM/debit card. As long as you keep a balance of $5 in this account, your membership will remain active. Your share account will earn dividends (interest) if you maintain a balance of $50 or more. There are limitations on the number of transfers you may make to and from your share savings account. Share draft accounts are designed to handle more activity than share savings accounts.


Your share draft, or checking account, is built for frequent withdrawals. The most common ways that withdrawals are made from your share draft account are by writing checks, and by using your ATM/debit card. When you use either of these methods to pay for something, the funds are immediately withdrawn from your share draft account. Use your share draft account responsibly - don't write checks or use your debit card unless you have the funds on deposit to pay for your purchase, and avoid getting charged fees for over-drafting your account!


Certificates of Deposits are savings accounts which earn a higher dividend because you agree to leave the funds in the account for a set amount of time. The longer the term of your certificate, the higher the dividend rate will be.