Share Draft Accounts (Checking Account)
- No minimum monthly balance
- No monthly services fee
- Non-interest bearing only
Share Accounts (Savings Accounts)
- Every member of the credit union must have a $5 share account (a savings account)
- $100 on deposit required to earn interest
Club Savings Accounts
- Summer Days (great for teachers who are off in the summertime!) or a Christmas Club.
- $5 to open
- $100 to earn interest
- Summer Days pay in July. Christmas Clubs pay in October.
- Open one anytime!
Money Market Accounts
- Minimum to open is $2,500
- Tier 1 $2,500 – $25,000
- Tier 2 $25,000.01 – $75,000
- Tier 3 $75,000.01 and above
- Maximum 4 withdrawals per month
Youth Savings Accounts
- Open with just $5.00 and earn interest
Youth CD’s (Certificate of Deposits)
- Open with just $100.00 and earn interest
- 6 and 12 month terms available
- No early withdrawal penalty on 6 month CD
- Add funds to 6 month CD whenever you’d like
- 30 days interest penalty on 12 month
- all rates subject to change without notice
Share Certificate (Certificate of Deposit)
- $1,000 minimum balance to earn interest
- 12, 24, 36, 48, and 60 month terms are available
- 90-365 Days interest penalty for early withdrawal (depending on term)
- all rates subject to change without notice
Loans
- Auto Loans
- Motorcycle Loans
- Home Equity Loans (1st and 2nd lien)
- Home Equity Lines of Credit (HELOC)
- Mortgages (Available through Owner’s Choice)
- Mobile Home Loans
- Recreational Vehicles (ATV’s, Boats, RV’s, Four Wheelers, Side by Sides, etc.)
- Student Loans (Available through Student Choice)
- Personal Lines of Credit
- Overdraft Protection
- Unsecured Personal Loans
- Share Secured Loans
- Credit Builder Loans
Additional Services
- Free Checks for members age 65 or older!
- VISA Debit Cards (Domestic [U.S.] transactions only)
- Pre-Paid Debit Cards
- Gift Cards
- Drive Thru ATM access (both branches!)
- Coin Machine Sorter (Ellicottville only)
- Direct Deposit
- Night Depository – available at both locations!
- Surcharge Free Co-Op ATM Network
- Money Orders
- Notary Public – Free for our members!