Deposits

All Rates Effective as of March 30, 2007

Share Accounts – The last declared dividend rate was:

Once you have joined the credit union, you are then eligible for the other services we offer:

Share Draft Accounts – A checking account with no monthly service fees, no required minimum balance and regular monthly statements. Overdraft protection loans and debit cards are also available.

Individual Retirement Account (IRA) – We offer traditional, Roth and Educational IRA Accounts.

Medical Savings Accounts (MSA) – Deposits (up to $ 2,000 per individual) are tax deductible from Idaho State Income Taxes. The last declared dividend rate was same as regular shares.

Share Certificates – A time deposit for $500 months; minimum deposit of . Contact credit union for current rates. These also include IRA Certificates.

Christmas Club Accounts – Checks are automatically mailed November 1st.

Youth Savings Accounts – Accounts designed to encourage savings for our younger members.

Share Draft Accounts
Our personal Share Draft (checking) accounts have no monthly service charges or minimum balance requirements. There is no limit to the number of checks that you can write. We offer overdraft protection loans and debit cards. We do not charge an annual fee for our debit cards. We do offer check imaging for a fee of
$4.00 per month. Our business accounts have a low monthly fee of $5.00 per month, a deposit fee of $.10 per check, after the first 50, and no minimum balance requirements.. Check imaging is also available on business accounts for an additional $4.00 per month.

Remember our Voice Teller Response line for 24 hour access to your credit union accounts. Check balances, transfer funds, balance your share draft account. The number to call is 398-7241 and follow the instructions. For first time users, call the credit union to get a Personal Identification Number (PIN) to access your account.

Medical Savings Accounts
Deposits made to a MSA are tax deductible from Idaho State Income Tax up to $4000 per joint return. Save for your medical expenses and get a tax break!! Dividends earned are also tax deferred. What a deal!