Share savings: A savings account with a $25 balance establishes your credit union membership. Your funds are available at any time and there are no penalties for withdrawals.

Certificate Accounts: A Certificate Account pays a higher interest rate than a savings account. Certificates are less liquid than a savings account, meaning you must invest your money for a specific length of time: six months to five years. The longer the deposit time, the higher the interest rate. You can open a Certificate with a minimum $1,000 deposit.

Money Market Account: Offering a higher rate of return, a money market account has greater flexibility and no monthly service charge. Dividends are declared, paid, and compounded monthly.