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SAVINGS

CCSD FCU requires every member to have a primary share account in order to maintain membership within the credit union. It also offers its members the ability to open more than one savings account within the same account number. Our "club accounts" are designed to help our members save for future events and ease the burden of trying to keep track of how much has been put away for Christmas, vacation, or even taxes.

Regular (Prime) Share Account - Check our Rates 

• Must have a prime share account to maintain membership with CCSD FCU

• A $25 initial deposit is required to open account, which must remain on deposit throughout length of membership

• A one time $5 membership fee is assessed

• Dividends are calculated on the average daily balance, and paid monthly

• Establish regular deposits through payroll deduction

 Club Accounts - Check our Rates 

• Secondary savings accounts for specific needs, such as Christmas, vacations, or taxes

• No minimum balance required

• Dividends calculated on average daily balance, and paid monthly

• Establish regular deposits through payroll deduction

A special savings program designed to assist members to form a systematic savings habit.

• Eligibility requirements: Less than a total of $500 in savings.
• Member selects one or two year program and maximum amount to accumulate utilizing consistent periodic payments.
• Dividends accrued daily and paid monthly.
• Additional bonus incentives at specified intervals to reward member progress.

CHECKING

CCSD FCU offers a variety of checking accounts to fit every members needs. Choose from our basic, no "frills" checking account, or open a Town & Country checking account and enjoy the many benefits that our members receive with this account.

• No minimum monthly balance required
• No monthly service fees
• No per check charge
• Monthly statement provided
• ATM/PAT services available
• VISA Debit Card
• Choose from a wide variety of check styles
• Overdraft protection for qualified applicants
• No dividends paid on this account

 Town & Country Checking Account - Check our Rates 

• Dividends calculated on average daily balance and paid monthly

• No per check charge

• No minimum monthly balance required

• Monthly statement provided

• No-fee travelers' cheques

• No-fee certified drafts

• Free personalized checks-Two boxes per anniversary year

• ATM service available-application fee waived

• PAT service available

• VISA Debit Card

• Overdraft protection for qualified applicants

• Low monthly service fee

• $2500 Accidental death insurance

• "Savers Club" book

• Payment Card protection

• Everyday Rebate Rewards

• Rx Advantage ^TM

• Liberty Marketplace Discount Program

• "Sojourns" Magazine Subscription

• Must be at least 55 years of age, retired, and have direct deposit of pension/social security into CCSD FCU account
• No monthly service fee
• No per check charges
• No minimum balance requirement
• Free basic style checks
• No-fee money orders
• Monthly statement provided
• ATM/PAT service available
• VISA Debit Card
• Overdraft protection for qualified applicants

Emeritus Clique Town & Country Checking Account - Check our Rates 

• Must be at least 55 years of age, retired, and have direct deposit of pension/social security into CCSD FCU account
• Dividends calculated on average daily balance and paid monthly
• No per check charges
• No minimum balance requirement
• No-fee traveler’s cheques
• No-fee certified drafts
• No-fee money orders
• Free personalized checks-Two boxes per anniversary year
• Monthly statement provided
• ATM service available-Application fee waived
• VISA Debit Card
• Overdraft protection for qualified applicants
• Discounted monthly service fee
• $2500 Accidental Death Insurance
• "Savers Club" book
• Payment Card protection
• Everyday Rebate Rewards
• Rx Advantage ^TM
• Liberty Marketplace Discount Program
• "Sojourns" Magazine Subscription

• No monthly service fee
• No per check charge
• No minimum balance requirement
• Wide variety of check styles to choose from
• Monthly statements provided
• If under the age of 18 must have parent or guardian joint on account
• ATM/PAT service available
• VISA Debit Card
• Overdraft protection for qualified applicants

CCSD offers overdraft protection from the primary share account for all members, and for those members that have a CCSD Visa Card they may choose to have overdraft protection from the Visa account instead of their primary share account or in addition to their primary share account.

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 

• Dividends calculated on daily balances and paid monthly
• Dividend rate may fluctuate daily
• Unlimited withdrawals/deposits
• Minimum balance of $2,000 required
• A $5 fee is assessed if balance falls below the minimum balance requirement at any time during the month

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 

• 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

A term share account is a savings instrument that requires a minimum dollar deposit to be invested for a fixed period of time, and yields a higher rate of interest than a regular share account. Choose the term that is right for you.

Term Share Account - Check our Rates & Terms 

• High yielding – fixed rate and fixed terms
• Minimum deposit of $500 required to open a term share account
• Dividends calculated on average daily balance and paid quarterly
• No additional deposits allowed after purchase
• Choose from a variety of terms
• Penalties for early withdrawal

Summer Pay Term Share Accounts - Check our Rates 

• 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 

• 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

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.

Last Updated: August 8, 2007

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CCSD FCU is federally insured to $100,000 by  NCUA, an Agency of the U.S. Government.

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