Personal Savings


Personal Savings

Primary Share

The basic savings account which is your share in the Credit Union. All members are required to have a Primary Share Account.

  • Holds a $5.00 minimum balance
  • No fees
  • Earn Dividends

Photo by ALPS Member: A. Borbridge

Club Account

Grow your savings all year long at a higher dividend rate and receive your funds annually when you choose.

  • Earns dividends on balances up to $5,000.00
  • Options include: Educational Club; Christmas Club; Rainy Day Club; and Vacation Club.

Photo by ALPS Member: Aleksandra Richards

Certificates of Deposit

Earn higher yields by locking in your funds for a specific time period.

  • Terms from 3 to 60 months
  • Open with as little as $500

Photo by ALPS Member: Mike Standridge


Save for your retirement and enjoy potential tax benefits.

  • Traditional IRA for tax break while working
  • Roth IRA for tax-free income at retirement
  • Certificate terms same as regular Share Certificate terms
  • IRAs federally insured to $250,000 separately from regular savings
  • Annual contribution limit increased to $6,000 for 2019. If you are 50 or older, you can make an additional $1,000 catch-up contribution.

Photo by ALPS Member: Darrin Johnson

Verstovia Money Market

Our tiered-dividend schedule pays higher dividends than regular savings while keeping your money more accessible than certificates.

  • Higher balances earn higher yields
  • Six transactions; checks, withdrawals or transfers per month
  • No penalties for early withdrawals
  • Free with $2,500 minimum balance, $10 per month without

Photo by ALPS Members: Aleksandra Richards