Accounts

Savings

Establishes membership and allows you to utilize all credit union services. There is a one-time $5.00 opening fee and a $5.00 minimum balance required to retain credit union membership. You have 24-hour access to your money with an ATM card and online banking. Ready Credit available upon approval.

* Dividends are paid monthly based on an average daily balance of $500.00 or more.

Money Market Plus Accounts

This higher interest-yielding savings account requires a minimum balance of $2,500.00. Higher interest rates are based on the average daily balance and a four-tiered system. If this share account drops below minimum daily balance, there will be a $7.50 service fee charged. You are allowed six (6) free withdrawals per month.

Share Certificate

These accounts are great for a higher return. Dividends are paid on the average daily balance and may be deposited into the certificate or into a separate savings account.

Early withdrawals from term share certificates will result in a penalty.

Individual Retirement Accounts (IRAs)

We offer several accounts that will help you plan for the future.

  • Traditional IRA

  • Roth IRA

  • Educational IRA

Invest your funds in an IRA Savings and/or IRA Certificate. Contact your tax advisor for help in determining which account is best for you.

Kids Plus Account

A minimum $5.00 deposit is required to open a Kids Plus Account, which is for children under 18. This account is designed to encourage children to save, and dividends are paid monthly on the average daily balance. You are allowed one (1) free withdrawal per month.

Holiday Club Accounts

Get a head start on the holiday season! Open this account anytime during the year with a minimum of $5.00 and make deposits into it as often as you like. Dividends are paid monthly, and after September 30, the entire balance will be automatically transferred to your Regular Share Savings Account. You may withdraw funds only after this date without a dividend penalty. If funds are withdrawn before September 30, your Holiday Club Account funds will be transferred, and your account will close.

1st Class Club

If you are age 55 or older, you qualify for the First Class Club. First Class Club members with a Member Checking share may receive no monthly checking service fee.

To receive the following additional benefits, you must maintain a minimum average daily balance of $2,500.00 in a Regular Savings Shares Account and have direct deposit:

  • Complimentary designated checks (limited to 1 free box per year)

  • Free Bill Pay

  • Free Money Orders

  • Free Travelers Cheques

  • Free Corporate Checks

  • 10 Free Photocopies per month

Checking

Member Checking

Interest-bearing checking account. Dividends are paid monthly based on an average daily balance of $1,000.00 or more. There is a $25.00 minimum deposit for this account. You have 24-hour access to your money with a Visa Debit and online banking.

If you maintain an average daily balance in a checking account of $500.00 or more and have direct deposit...

  • $10.00 monthly service fee is waived

Essentials Checking

This non-interest-bearing checking account requires no minimum balance. You have 24-hour access to your money with a Visa Debit Card and online banking.

Maintaining a lending relationship waives the $2.00 monthly service fee. Ready Credit available upon approval.

Integrity Checking

This account is an alternative checking account for members who may have been denied a checking account in the past. It is a non-interest-bearing checking account that requires no minimum balance. There is a $10.00 monthly service fee for the first 12 months.

Student Checking

The Teen Checking Account for young adults 16-18 is designed to encourage teens to develop good financial habits with budgeting, saving, and decision-making. This non-interest-bearing checking account requires no minimum balance.

Visa Debit Card

Have 24-hour, 7-day-a-week access to your money. You can even receive cash back when purchasing from some merchants. Open a checking account and enjoy the convenience of a Plus Visa Check Card.

Visa Purchase Alerts

Visa Purchase Alerts sends you real-time¹ email alerts when you pay² with your Visa Credit Card.

Sign up using the button below.

¹Actual time to receive a transaction alert is dependent on wireless service and coverage within area.

²A qualified transaction is any transaction routed through Visa.

Additional terms, conditions, and restrictions may apply.

American Share Insurance

Your Plus Credit Union deposits are insured by American Share Insurance (ASI), the nation's largest private insurer of credit union deposits.

ASI insures accounts, not individuals. Each account that you have with Plus Credit Union is insured for up to $250,000 each insurer. For example, if you have $250,000 in a Regular Share Account and $250,000 in a Term Share Certificate, your total insurance coverage is $500,000.

Courtesy Pay

Signing up for the service does not require any action on your part UNLESS you wish ATM and electronic transactions such as POS to be covered. If so, you MUST complete a consent form.

Contact us today for more information.