Savings and Investments

Regular Savings

Your share savings account is your primary ACCESS FCU account. A $5.00 minimum deposit is required to establish and maintain your membership. It also provides a good place to save regularly at a competitive dividend rate (for balances greater than $25). There are no monthly service fees.

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Patriot Act: Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Money Market Savings

Do you want to earn a little extra on your savings but also need access to those funds? Then our Money Market saving account is perfect for you. You must maintain a minimum balance of $5,000 in your account each day to obtain the disclosed annual percentage yield for that day.

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Holiday Club

This special savings account is designed to help you save all year long for the holiday season. Deposits can be made into your Holiday Savings at any time, for any amount, and, of course, you earn dividends (for balances greater than $25) on your savings throughout the year. For our members' security and convenience, all payments from Holiday Clubs will be directly deposited into your account. The funds will be available on/about October 15th.

Other Savings

Other share accounts (vacation, taxes etc.) can be opened for many reasons, maybe you're saving for a vacation or for an expense you have coming up in the future. They can be opened and closed at any time and like all ACCESS FCU accounts, you earn dividends (on balances greater than $25) .

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Share Certificates

Share certificates consistently earn higher rates and offer a variety of terms to meet your savings needs. Whether you choose a 6-month or 5-year term (or anywhere in between), ACCESS FCU has the certificate that's right for you.

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It's never too early to begin saving for your retirement. We offer Regular IRA, Roth IRA and Coverdell IRA (formerly known as Educational IRA) plans. Your principal is insured up to $250,000 by NCUA, a U.S. Government agency. This is in addition to the $250,000 of NCUA insurance provided on your share savings, share draft checking, and share certificates.

IRA Share Savings - A great way to start your IRA because there's no minimum balance requirements. This account allows you to fund your retirement plan at a manageable, affordable pace.

IRA Share Certificates - Invest in as many IRA certificates(minimum balance $1,000) as you like. Every IRA Certificate offers a fixed-rate for the term you choose and compounds dividends monthly.

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