Savings

Craft Your Financial Future

You’ve got a plan for the future, and we’ve got a plan for you. Short-term savings. Long-term goals. A nest egg for retirement. No matter what you’re saving for, Members Choice FCU has the perfect savings plan to match your needs. All are federally insured, earn high dividends and allow for fast, easy deposit and withdrawal. So choose the plan that’s just right for you:

The share savings account at Members Choice is the key to becoming a member. The Share Account represents a member’s ownership in Members Choice Financial Credit Union. A share account requires a $5.00 minimum deposit upon opening and is required to maintain membership status. It is the first and most convenient way to start saving.

  • Earnings are calculated from date of deposit to date of withdrawl
  • Earnings are posted to your account quarterly
  • Free online and mobile banking, bill payer, and E-statements
  • No monthly fees to maintain your account
  • Free Audio-Banking
  • Surcharge free access to thousands of ATM’s at specified locations
  • Insured by the NCUA

Declared DividendsA.P.Y.***Rate
Account Type
Share (Savings)0.25%0.25%

A club account will allow you to save money for a future event or occasion like a vacation getaway, Christmas, or even your wedding.

  • Open an account year-round
  • Direct Deposit, Payroll Deduction
  • Funds are automatically transferred on a preset date.* Ask an MSR
  • No penalty for early withdrawl
  • Insured by the NCUA

Declared Club Account DividendsA.P.Y***Rate
Account Type
Christmas Club0.10%0.10%
All-Purpose Club0.10%0.10%

One of the major themes of HSAs is individual control. You are the primary decision-maker. You decide when to use the HSA funds to pay for medical expenses. Your employer has no control over the HSA funds. Even when you change jobs, your HSA goes with you. HSAs are designed specifically for individuals with a high deductible health plan. Members who switch to a high deductible health plan will likely enjoy lower premiums. Unlike contributions to a flexible spending account, the balance of an HSA at the end of the year is carried over to the next year. So HSA owners are not placed in a position of having to “use it or lose it” each year.

Declared Monthly DividendsA.P.Y.*Rate
Health Savings Account (HSA)0.25%0.25%

*APY = Annual Percentage Yield. Dividends are computed daily and compounded quarterly. The APY may fluctuate depending on the number of days in each quarter. The APY is based on the assumption that dividends will remain in the account until maturity. Rates are subject to change at any time. Dividends are posted quarterly. Rates on share accounts are not guaranteed, but are based on the earnings of the credit union and declared quarterly. Fees could reduce earnings. Members Choice Financial Credit Union membership is required. Please review the Truth in Savings Disclosure for more information.