Membership

Saving is more than simply putting money aside – there are many options and paths to choose from when it comes to saving and investing your money. We offer several types of savings accounts to meet your needs. And because we’re in business for you, and not for profit, we’re able to offer rates that others don’t.

Primary Share Savings

This account serves as your primary account (required) which earns dividends based on your balance. Your membership remains active by satisfactorily maintaining this account.

Savings Rates

Rates current as of and subject to change.

Savings (A)	Minimum	APR^*	APY*
Regular Shares Christmas Club You Name It	$100-2,499	0.000%	0.000%
	$2,500-9,999	0.050%	0.050%
	$10,000	0.100%	0.100%

Printable Rate Sheet View Fee Schedule Calculators

Christmas Club

We want to provide you with the tool that helps you save for the Holidays. This account is free to maintain and funds can be deposited at any time. We recommend that automatic transfer or payroll allotments are made on a regular basis to ensure that you have sufficient funds to plan for the Holidays.

Savings Rates

Rates current as of and subject to change.

Savings (A)	Minimum	APR^*	APY*
Regular Shares Christmas Club You Name It	$100-2,499	0.000%	0.000%
	$2,500-9,999	0.050%	0.050%
	$10,000	0.100%	0.100%

Printable Rate Sheet View Fee Schedule Calculators

You Name It Account

We all have different financial goals. Some plan for a vacation, car purchase, mortgage down payment, or to simply save. We let you call this account any name you prefer. Best of all, this account is absolutely free. Let us help you save toward that particular goal with a You Name It Account!

Savings Rates

Rates current as of and subject to change.

Savings (A)	Minimum	APR^*	APY*
Regular Shares Christmas Club You Name It	$100-2,499	0.000%	0.000%
	$2,500-9,999	0.050%	0.050%
	$10,000	0.100%	0.100%

Printable Rate Sheet View Fee Schedule Calculators

Summer Safeguard Account

Savings

Rates current as of and subject to change.

Savings	Minimum	APR^*	APY^*
Summer Safeguard	Automatic Contribution	2.967%	3.000%

Printable Rate Sheet View Fee Schedule Calculators

Terms and conditions

This account is available to employees at an eligible school district, such as LASUD and LACCD. To qualify, membership must have the following: direct deposit or payroll deduction from an eligible source and an active share draft (checking) account.

Variable Rate Information. This Account is subject to a Variable Rate. No minimum balance requirements apply to this Account.

Transaction Limitations. Once You establish Your Account, each month's aggregate deposit may not exceed $2,000.00, and may only be made through direct deposit, payroll deduction, or automatic share-account-to-share-account transfer. Withdrawals are not permitted during the period of September 1st - May31st, and the total number of withdrawals may not exceed two per year. If You exceed these limitations, Your Account may be subject to closure by the Credit Union.

Disbursement Schedule: On the first business day in July of each year the entire balance then on deposit will be transferred to Your Primary Share Account.

We have even more additional Savings Account types to fit your needs:

Premium Money Market

The higher your balance, the higher your dividend rate. Make unlimited penalty-free deposits and withdrawals.

Individual Retirement Accounts (IRA)

Supplement your pension with a Traditional or Roth IRA. You can grow your balance with deposits throughout the year up to your maximum allowable annual contribution.

More Information

IRA Accumulation

Rates current as of and subject to change.

IRA Accumulation (A)	Minimum	APR²	APY²
	$100	0.150%	0.150%

Printable Rate Sheet View Fee Schedule Calculators

Terms and conditions

Build a college fund for a child up to age 18. Withdrawals are tax-free when used for tuition, board, or other qualified expenses.

More Information

Coverdell Education Savings Account

Rates current as of and subject to change.

Coverdell Education Savings Account (C)	Minimum	APR	APY
	$50	3.00%	3.034%

Printable Rate Sheet View Fee Schedule Calculators

Terms and conditions

^*Annual Percentage Rates (APR) and Yields (APY) valid as of 3/29/2019. Rates and Terms are subject to change without notice.

IRAs may be transferred from another institution or rolled over from another savings plan. (A) Dividends are calculated on your daily balance. Dividends will compound quarterly. (B) Dividends on Share Checking and Premium Money Market Accounts are based on your daily balance, and will compound monthly. Rates shown for (A) and (B) are anticipated only, since dividends are paid from available earnings declared at the end of the dividend period. (C) For any child up to age 18. Available only with direct deposit to checking account. Withdrawals are tax free for education expenses. More Information.