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Personal Savings

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Tomorrow starts today.

Community Choice Credit Union has savings accounts for each stage in your life. Whether you are preparing for college, your first home or retirement, we have the savings account to meet your needs.

Introducing Choice Savings

Your money is worth its weight in goals

As of April 1, Choice Savings makes it easier to set and achieve your savings goals! You have one savings account that maximizes the interest rate your balance will earn, so you can achieve the life you desire.

Explore Choice Savings

Side-by-side Comparison

A quick overview of our personal savings accounts.

  Choice SavingsChoice GoalsCertificates of DepositIRAs
Minimum Balance $5 $0 $500 $100 

 

Electronic
 Withdrawal Limits*


6 electronic withdrawals

 
6 electronic withdrawals 

 
No withdrawals during term


Withdrawals allowed anytime (check with your tax advisor)


Special Features


 Achieve your saving goals

Name your goals

Risk free investing

Multiple term choices 

*Electronic withdrawals from savings accounts are limited by federal Regulation D. Withdrawals at our member centers are not limited.

 

Account Details

The nitty gritty details of what we have to offer.

Choice Savings

As of April 1, Prime Share, Money Market and Money Market Plus accounts have been combined into one Choice Savings account.

A Choice Savings account makes it easier to set and accomplish your savings goals. It's the perfect way to maximize the interest rate your balance will earn so you can achieve the life you desire. Plus, there is no minimum balance and no monthly fees!

Choice Savings is a tiered savings account that aggregates the balances in your savings accounts to determine the interest rate you’ll earn each month. The rate you earn automatically increases along with your savings balances, so the more you save, the more you earn!

Explore Choice Savings

Choice Goals

Daily Share Savings are now called Choice Goals.

Organizing your money helps make saving simple.

You can open up to nine Choice Goal sub-accounts as a way to help you save for specific things like “Vacation” or “Taxes.” Creating these accounts is easy to do, and the balance will be included in your aggregate Choice Savings balance.

Download Creating Choice Goals

Certificate of Deposit (CD)

Our CDs offer flexible options that allow you to pick the deposit amount and term timeline that helps you achieve your financial goals. Maximize your interest earned without the risk associated with stocks and investments.

  • Earn on a short-term certificate starting with as little as $500. No catch, no risk, just great rewards. Interest is paid based on your balance, so the more you save, the more you earn.

  • Explore our rates and calculate where CDs can take your savings. 

 Calculators

When you're ready to open your CD, we're ready to help! Send us a chat, call us at 877.243.2528 or see us in person at your nearest member center. Members can also open a CD using the Services tab within e-Banking.

Not a member? Let's take care of that:

Become a member

Subject to penalty for early withdrawal.

 

Individual Retirement Accounts

IRA Certificates

Continue building your retirement savings with the convenience and accessibility of your other Community Choice accounts. Together, we’ll help you manage your IRA to fit your personal needs. As an IRA holder you will enjoy many benefits:

  • Multiple choice of terms

  • Competitive rates without the market risk

  • Insured up to $250,000 independent of other accounts

An early withdrawal penalty and required minimum distribution may apply.

IRA Daily Share

Any individual who has not reached the age of 70 and 1/2 prior to the end of the taxable year and who has earned income is eligible for an IRA Daily Share, including:

  • Traditional

  • Roth

  • Educational

Start saving for retirement without the restrictions and penalties involved with other IRA products.

  • Multiple choice of terms

  • Minimum investment of $100 for all IRAs

  • Insured up to $250,000 independent of other accounts

  • May be subject to penalties from Community Choice and/or IRS for early withdrawals

Members can make withdrawals and deposits into their IRA Daily Share account at any time, although the deposits that they do make must still be aligned with the contribution guidelines of the current tax year. To make it even more convenient for members, funds can be automatically transferred from any savings or checking account here at Community Choice Credit Union into the IRA Daily Share account!

Funds are able to be withdrawn from an IRA Daily Share at any time without penalty from the Credit Union, but a tax advisor will need to be contacted to determine government penalties that may apply.

Easy money is good money!

Earn big on a short term certificate. Get started with as little as $500. No catch, no risk, just great rewards.

Explore CDs
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