Staley CU Savings Accounts
Primary Savings
A Primary Savings establishes an individual's membership at the Credit Union. As long as the minimum balance is maintained, you will remain a member for life, regardless of your city of residence.
- $25 initial deposit must remain in the account
- Earn dividends - See Current Rates
- No monthly service charge
- Debit Card with EMV chip technology
- Account alerts and monitoring with Staley Card Central
- Can be used for Overdraft Protection
Holiday Club
Our Holiday Club accounts are designed to help members save throughout the year for the holidays.
- No minimum balance requirement
- Earn dividends - See Current Rates
- No monthly service charge
- No withdrawal fee
- Can be used for Overdraft Protection
Term Share Certificate
Term Share Certificates allow members to save money by locking into our competitive dividend rates. Typically, the longer the term of the certificate, the higher the dividend.
- $1,000 minimum balance to open or $10,000 for higher dividend rates
- Dividends are calculated on the daily balance and paid monthly
- Choose a term between 6-60 months - See Current Rates
- Penalties assessed for early withdrawal
- Certificates automatically rollover at current rate and term
- Can be used for secured loans or notes
IRAs
Individual Retirement Accounts (IRAs) are designed to help members save for retirement. Traditional IRAs allow members to save without paying taxes on their funds until they begin to make withdrawals. Roth IRAs offer tax exempt earnings.
- $100 minimum balance to open IRA Shares (unless enrolled in payroll transfer), $1,000 minimum balance to open IRA Certificate
- Dividends are calculated on the daily balance and paid monthly
- Choose a term between 6-60 months - See Current Rates
- Penalties may be assessed by the IRS for withdrawal before age 59 ½ (certain exceptions may apply)
Money Market Accounts
Staley Credit Union offers Money Market accounts that earn you higher dividends but give you access to your money when you need it.
- $2,000 minimum balance ($7.50 fee assessed per month when the balance falls below the minimum)
- Dividends are calculated on the daily balance and paid monthly
- Free checks
- Higher interest rates than Regular Share and Staley Platinum Checking Account - See Current Rates
- Checks presented in excess of six during a monthly statement cycle will be returned unpaid as required by transaction limitations
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