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Regular Savings Account
A membership deposit of $5 is required to open a Regular Savings Account. Accounts with balances of $100 and over earn dividends, which are computed daily and credited to your account quarterly. |
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Special Savings Account
A Special Savings Account can be opened under the same account number as the regular savings. Special Savings Accounts earn the same dividend rate as the regular savings. No minimum balance is required in this account.
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LifeSaver Kids Club Account
Members age 19 and under are eligible for a LifeSaver account. Participants are eligible for benefits within each age category. All lifesaver members qualify to open share certificates with only a $500 minimum balance. A $5 minimum balance is required to open this account. Dividends are computed daily and credited to your LiveSaver account quarterly. Join the Club!
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Christmas Club Account
Deposits can be made in any amount through payroll deduction, perfect teller, or over the counter. Christmas Club Accounts earn dividends and are transferred to your regular savings account the first week of November each year.
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Vacation Club Account
Save for your vacation while earning dividends. Members may withdraw from this account at any time without penalty. No minimum balance is required.
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Money Market Account
Earn higher rates and retain availability to your money. A Crossover type account, you'll earn more than a regular share savings account. You'll also enjoy better availability to your money than in a Share Certificate. Minimum balance is $2,500 and rate increases at $10,000. Three withdrawals per month with $10 excessive withdrawal fee.
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Share Certificates
CrossRoads Financial Federal Credit Unionoffers you an opportunity to invest with guaranteed earnings and a peace of mind. Competitive rates are offered on certificates for terms ranging from six months to five years. A minimum of $1,000 is required to open a share certificate and or IRA certificates. LiveSaver Kids Club members qualify for a $500 minimum balance.
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PayDay Certificate
Think you can't save $1,000? Yes you can we make it simple. With direct deposit or payroll deduction it's painless! On payday save $20 each week for a 12 month certificate or save $10 each week for a 24 month certificate. Earn a higher rate than your regular share savings account and have the opportunity to bump your rate once during the term. In 12 or 24 months you can begin saving for another Payday Certificate.*
*Restrictions apply. Direct Deposit or Payroll Deduction only, biweekly or monthly depositors deposit more, No early withdrawals, 12 or 24 month term, not renewable.
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Market Index Certificate
Enjoy the potential rewards of investing in the stock market without the risks. Earnings are tied to the Standard & Poor's 500 Composite Stock Price Index (S&P 500). If the S&P 500 goes up you earn dividends. If the S&P 500 goes down, you won't earn dividends - but your initial deposit is protected. Terms are one to seven years with a $2,000 minimum balance for IRAs and a $5,000 minimum balance for other certificates.
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IRA Savings
Save money for your secure retirement or set aside funds for the education of a child. Earn tax sheltered dividends while you save with a Traditional, Roth, or Coverdell Savings Account at CrossRoads Financial Federal Credit Union. No minimum balance is required for an IRA Savings. Funds may be invested in a IRA Share Savings, Certificate, or Market Index Certificate. For additional information.
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