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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.

Side-by-side Comparison

A quick overview of our personal savings accounts.

  Prime
Share
Daily
Share
Money
Market
Money
Market Plus
Holiday
Savings
Save
to Win
Certificates of DepositIRAs
Minimum Balance $5 $0 $2,500 $50,000 $0 $25 $500 $100 

 

Electronic
 Withdrawal Limits*

 

6 electronic withdrawals

 

6 electronic withdrawals 

 

6 electronic withdrawals 

 

6 electronic withdrawals 

 

Automatically transfers on November 1

 

Maximum of 1 withdrawal per term

 

No withdrawals during term

Withdrawals allowed anytime (check with your tax advisor)


Special Features


Establish your membership

Nickname your account

Grow your savings

Maximize your earnings

Save for the holidays

Enter to win

Risk free investing

Multiple term choices 

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

 

Account Details

The nitty gritty details of what we have to offer.

Prime Share Account

Prime Share Savings is your gateway to our entire portfolio of products. Depositing $5 in a Prime Share makes you a member-owner of Community Choice Credit Union – for life!

  • Low minimum balance of $5

  • Free e-Statements

Daily Share Savings

Whether it’s for education, vacation, taxes, or the down payment on your new home, a Daily Share Savings is an easy way to monitor and save for your goals.

  • No minimum balance

  • Maximum of 9 shares per account allowed

  • Free automatic transfer from Checking

  • Monthly dividends

Money Market

A Money Market Account is a great, safe alternative to stocks and share certificates. There are no maturity terms so you can access your savings at any time. Interest is paid based on your balance, so the more you save the more you earn.

  • Minimum balance of $2,000

  • 24-hour access with e-Banking or Community Choice ATMs

  • Link to Checking account for overdraft protection

  • Federally insured up to $250,000 by the NCUA

Money Market Plus

Money Market Plus eligibility begins with a minimum balance of $50,000. You can access your funds 24 hours a day with e-Banking or Community Choice ATMs.

  • Higher yields on large balances

  • Write up to three checks per month free of charge

Holiday Savings

Getting prepared for holiday spending is easy with the higher earning potential of a Community Choice Holiday Savings account. Set up automatic transfers to your Holiday Savings from your Checking account.

  • No minimum balance required

  • Your funds (annual dividends) are disbursed on November 1 and may be transferred into your account

Save to Win

Save to Win is our free prize-linked savings program that rewards members for contributing to their own savings account. Just open a Save to Win share certificate with at least $25, and you’ll be entered to win monthly and quarterly prizes.

  • Every $25 deposit is another chance to win

  • Members can earn up to 10 entries per month

  • Special savings rate of 0.40% APY

Certificate of Deposit (CD)

Certificates of Deposit, also called CDs, are available in terms of three months to five years and may offer a higher return on your deposits. Interest is paid based on your balance, so the more you save, the more you earn.

  • Minimum balance $500

  • Subject to penalty for early withdrawal

Individual Retirement Accounts

IRA Certificates

Our IRA Certificates help you maximize your retirement savings without the risk. 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 anytime without penalty from the Credit Union, but a tax advisor will need to be contacted to determine government penalties that may apply.

Bank Anywhere, Really

Manage personal or business accounts with mobile banking.

Mobile Banking
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