Due to scheduled maintenance, online and mobile banking will be unavailable 12am - 6am on Sunday, January 21.

Savings Accounts

Regular Savings Account

  • Basic membership account
  • Must maintain $5 minimum balance
  • No monthly fee with eStatements
  • Withdraw funds at any time
  • Dividends accrue daily; compound quarterly

  • Regular Savings Account Details

    A Regular Savings Account is opened when joining the Credit Union, and must be maintained to preserve membership. It is the simplest, most flexible way to save. Dividends are earned from the date of deposit to the date of withdrawal and are paid and compounded quarterly. A Regular Savings Account can also be set up as overdraft protection on checking accounts.

Member's Special/U-Name-It Account

  • U-Name-It and the Credit Union helps you save
  • No monthly account fees
  • All balances earn dividends
  • Withdraw funds anytime

  • Member's Special Account Details

    Save money for a new house, pet expenses, daycare costs and more. You name it and the Credit Union will help you save! This account can be personalized for a specific purpose. Although it provides an ideal place to deposit short-term funds, it may also be used for ongoing expenses. Dividends are earned from the date of deposit to the date of withdrawal and are posted to the account quarterly.      

Christmas Club

  • Perfect to alleviate holiday expenses
  • No monthly fees
  • All balances earn dividends
  • Funds transferred to savings or checking the first week in October

  • Christmas Club Account Details

    Overwhelmed by holiday bills? Open a Christmas Club Account and save a little every month to help alleviate the expenses! Deposits earn dividends from the date of deposit to the date of withdrawal and are calculated and posted quarterly. The balance plus dividends is automatically deposited to your checking account or savings account if a checking account is not available. Funds are available the first week in October.

Vacation Account

  • No monthly fees
  • All balances earn dividends
  • Withdraw funds anytime
  • Gradually build savings throughout the year

  • Vacation Account Details

    Whether saving for a dream vacation or just a quick weekend getaway, save with a Vacation Account. Dividends are earned from the date of deposit to the date of withdrawal. Dividends are credited quarterly.

Health Savings Account

Health Savings Accounts (HSA) provide a tax-free method to save and pay for qualified medical expenses incurred by individuals, spouses or dependents who are covered under an HSA qualified High Deductible Health Plan (HDHP). The Credit Union offers three options: savings account with debit card, checking account with debit card, or certificate account. Dividends compound monthly.

  • Qualifications for an HSA

    To qualify for an HSA, an individual must meet the following criteria with respect to any month:

    • Be covered under an HSA qualifying high-deductible health plan (HDHP) on the first day of the month.

    • Not covered under another health plan that is not an HDHP.

    • Not eligible to be claimed as a dependent on another person’s tax return.

    • Not enrolled in Medicare.

    • Not enrolled in Tricare Insurance, or health benefits from Veterans Administration or one of their facilities in last three months.

  • Contributions to an HSA

    The contribution limits established by IRS:

    • If the account owner is 55 years or older, you may make additional “catch-up” contributions according to limits established by IRS.

    • Contributions may be added to an HSA between January 1 of current year and April 15 (or actual tax filing, i.e. April 15 falls on a holiday or Sunday) of the next year.

    • Rollover and transfers from other qualifying HSA plans are allowed.

For more information, visit any Credit Union branch or call  (865) 544-5400 or toll free (800) 467-5427.

It is critical for everyone to save and invest money, even if you can only afford to save a little.  You will need the money for unplanned expenses, major purchases and retirement.  You may also want to help pay for your child's education.  Here is helpful information to help you figure out how to save, how to invest and how much money you need to save.

401k and 403b Retirement Plans - 401k and 403b retirement plans offer many pre-tax investment options and are a great way to save for retirement.

College 529 Savings Plan - Learn the advantages and disadvantages of using 529 plans vs. pre-paid tuition plans to save for your child's college education.

How Much to Save for Retirement - Do you have a retirement plan?  It is important to create a plan based on how you will invest and how much money you will need.

Individual Retirement Accounts (IRAs) - Learn if investing in a Traditional IRA or Roth IRA makes sense for you.

Planning for Emergencies - Making savings a priority each pay day will enable you to successfully save money for major purchases, retirement or other financial goals.

Savings Accounts - Choose from several different types of savings accounts, each with their own features and benefits.

Social Security - When planning for retirement, it is important to understand the amount you can expect to receive from Social Security, and how old you must be to qualify.