Savings Accounts
  
Regular savings accounts are a great way to save for the future. All you need is $25.00 to open your savings account.  With Direct Deposit you can insure that you will save your money and have it for when you need it.  To earn a dividend you must maintain a $100.00 minimum balance. Dividends are paid quarterly: March 31, June 30, September 30, December 31. Dividends will begin to accrue on the business day you deposit to your account.  Statements are also mailed out quarterly: March,June,September and December.    
      
Club Accounts
  
If you need to set aside money for a specific purpose like education, vacation, taxes, wedding, etc., this account is the way to go. The account is through your main account so you don't have to keep track of a lot of account numbers.  You can use payroll deduction or other means to make a deposit in this account.  Club accounts earn the same dividend as the regular share accounts.