Skip to Content

Personal Savings

Community Choice Credit Union logo

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.

Market Plus
Certificates of DepositIRAs
Minimum Balance $5 $0 $2,000 $50,000 $0 $500 $100 


 Withdrawal Limits*


6 electronic withdrawals


6 electronic withdrawals 


6 electronic withdrawals 


6 electronic withdrawals 


Automatically transfers on November 1


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

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.

Prime Share Account

Establish your membership with a simple $5 deposit into your Prime Share and discover the benenfits Community Choice has to offer. Together, we'll help you achieve the life you desire.  

  • Low minimum balance of $5

  • Free e-Statements

Daily Share Savings

Organize your money to make saving simple. Create and customize up to eight Daily Share Savings on your account. Call one "Summer Vacation" and another "Dream Home." It's a great way to plan for and achieve your financial goals.

  • No minimum balance

  • Maximum of 9 shares per account allowed

  • Free automatic transfer from Checking

  • Monthly dividends

Money Market

Enjoy the peace of mind that comes with knowing your Money Market balance will never decrease, only increase, based on the balance of the account – the more you save, the more earn. A Money Market is a healthy savings account that’s accessible during an emergency or for special occasions. It’s a smart alternative to stocks and share certificates, and it’s is safe and secure.

  • 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

Don’t let the holidays sneak up on your wallet. Prepare for the next holiday season by starting your savings early. You’ll earn a special 3.00% APY on balances up to $500. If your balance grows above $500, you will receive the default savings rate. Create automatic transfers or deposits when you can into this account. You’ll be surprised how much you’ve accumulated by the next holiday season.

  • No minimum balance required

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

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. 

Explore CD specials 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 CD specials
woman outside

Let's Connect

Close the connect options

External Link Disclaimer

You will be linking to another website not owned or operated by Community Choice Credit Union. Community Choice Credit Union is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Community Choice Credit Union of any information in any hyperlinked site. We encourage you to review their privacy and security policies which may differ from Community Choice Credit Union.

If you "Continue", the link will open in a new window.

Email Disclaimer

Continue Close the disclaimer modal window
Documents in Portable Document Format (.PDF) require Adobe Acrobat Reader 5.0 or higher to view. Download it now.