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CCSD offers a money market account to provide additional savings options to its members. This account is designed to keep pace with current market rates without the restrictions of a term share account.

Money Market Account - Check our Rates & Terms

Summer Pay Term Share Accounts - Check our Rates & Terms 

• Savings option designed for members that only get paid 10-months out of the year
• Regular deposits must be established through payroll deduction
• Yields a higher rate of interest than regular share account
• Teachers: initial deposit of $100 to open with a bi-weekly minimum deposit of $50
• Educational support staff: initial deposit of $50 to open with a bi-weekly minimum deposit of $15
• Choose from five (5) bi-weekly disbursements, or one in full
• Account matures on July 1^st of each year
• A penalty will be imposed for early withdrawals

Youth Saver Term Share Account - Check our Rates & Terms 

• A savings vehicle for youths under 18 years of age at time of opening account
• A $100 minimum initial deposit
• Earns a fixed rate of interest
• Additional deposits: Added to anytime up to age 18 in $25 increments
• A penalty is imposed for early withdrawals

CCSD offers a wide variety of retirement savings plans ranging from the traditional IRA to the Roth or Educational IRA. Choose which plan is right for you.

IRA Notice Accounts - Check our Rates & Terms  

• Variable rate of interest (may change monthly)
• Dividends are calculated on the average daily balance and paid monthly
• Minimum deposit of $5 required to open account
• No set-up fees
• No annual maintenance fees
• Periodic deposits permitted
• Sixty (60) days notice required to withdraw from account to avoid penalty
• Traditional IRA, Roth IRA, and Educational IRA’s offered

IRA Term Share Accounts - Check our Rates & Terms  

• Fixed rate and fixed term
• Minimum deposit of $500 required to open account
• No set-up fees
• No annual maintenance fees
• Choose from a variety of terms
• Deposits may not be added until the end of the term
• Penalties for early withdrawal
• Traditional IRA, Roth IRA, and Educational IRA’s offered

CCSD FCU offers its’ membership the alternative of purchasing or redeeming U.S. Savings Bonds at any one of its offices. U.S. Savings Bonds offer a great alternative to those individuals that wish to start investing, but are unwilling to take a little risk. Because Savings Bonds are guaranteed by the U.S. Government there is little worry or hassle when investing in this instrument.

Members Financial Network Services is for CCSD FCU members who have an interest in investing or trading in the stock market, and wish to eliminate fees associated with a broker.

• Money Management: helps members with all aspects of their personal finances
• Financial Solutions: receive on-line insurance life insurance premium estimates
• Members Broker Net: a complete on-line brokerage service
• Financial Library: a comprehensive database that allows members to search more than 70 money management articles

Last Updated: August 8, 2007

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