SHARE ACCOUNTS ARE VARIABLE AND THE DIVIDEND RATE MAY CHANGE AFTER THE ACCOUNT IS OPENED. FEES COULD REDUCE EARNINGS ON ANY ACCOUNT.
Our regular share account has a minimum deposit requirement of $25.00 and dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. Dividends are posted quarterly on the first day of the next quarter.
Download a membership application or give us a call and we will be happy to send you one in the mail. Ask an employee about the terms and fees regarding this account.
In credit union land, checking accounts are referred to as share draft accounts and checks are referred to as drafts. We are happy to offer share draft accounts to our members with NO MONTHLY SERVICE CHARGE!! We urge our members who participate in the share draft program to order duplicate copy share drafts, as we do not return cancelled checks in your statement. We also urge our members to be very careful as to who they order their share drafts from...be leery of newspaper check printing companies...you want to protect your identity at all costs!
Come by today and complete our easy Share Draft Account Agreement and order your share drafts! And we will help you set up your direct deposit of your net payroll check as well! Ask an employee about the terms and fees regarding this account.
A Money Market Account is a special share account that has a minimum balance requirement of $2,500.00. This acccount earns dividends monthly as opposed to quarterly like the regular share accounts. Ask an employee about the terms and fees regarding this account.
Take advantage of your ability to have payroll deductions from your payroll and have money deposited every pay period to your Christmas Club account! And you will be ready when Santa comes! Ask an employee about the terms and fees regarding this account.
Earn a high return on your savings with a Term Share Certificate account. This account has a minimum deposit requirement of $1,000.00 with a variety of terms available to meet to your needs. Interest is calculated on an average daily method and paid at maturity. Choose to have your interest added to your balance, transferred to another account at IRFCU, or receive a check for your interest.
It is never too late to start putting away for your future! And one smart, safe way is to make deposits to your IRA with the credit union. This account earns dividends quarterly. Your credit union offers a Traditional IRA. Ask an employee about the terms and fees regardng this account.