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Share Savings Accounts

With our savings accounts you’ll earn interest at competitive rates. You’ll also be helping fellow members by providing funds that they can borrow. Maybe that’s why they’re called “shares.”

Regular Share Savings
These accounts give you access to all the benefits of member/ownership. All that’s required is a minimum balance of $5,or $25 if you have an outstanding loan. Plus,at $25 you start earning dividends!

Check dividend rates.

Money Market Accounts
A money market account combines the benefits and convenience of a savings and checking account and gives you a higher dividend rate than regular savings. We are pleased that we can now offer this type of account to our members.

A $2500 minimum daily balance is required to open and maintain this type of account. Dividends are compounded and credited quarterly. Rates may be adjusted weekly.

Members are limited to six electronic transactions per month,three of which can be checks. A fee of $15.00 is charged for each check that clears in excess of three per month. Also,should your account balance fall below $2500,dividends will revert to our regular share rate and a monthly service charge of $25.00 will be assessed.

You must be at least 18 years old to open a Money Market Account. Minors may also use the benefits of a Money Market account with a joint owner who is 18 years of age or older.

Deposits to this account may be made by payroll deduction,direct deposit,by mail or in person.

Check dividend rates.

Accounts for Special Purposes
It can be difficult to budget when all of your savings is in one account. That’s why we offer these unique savings accounts to help you set money aside. (They all earn interest at competitive rates.)

Not sure how much to deposit each month? Use our savings calculator to determine how to meet specific goals.

Holiday Club
Save for the holidays the smart way. Stash your cash all year in this special account. Your balance will be distributed to your regular share account on October 1 of each year. (Early withdrawal results in a $10 fee and loss of dividends accrued.)

Check dividend rates.

Vacation Club
Winter,summer,fall,spring. Anytime is a great time for a vacation! Start saving with our vacation club account and you’ll be ready. Withdrawals can be made at any time without penalty.

Check dividend rates.

Summer Savings
If you're a teacher who doesn't receive checks during the summer months,this account can give your budget an extra boost. Deposit money throughout the year,and it will be waiting for you come June 15. An early withdrawal penalty of 5% adds an extra incentive to save. Withdrawals can be a made without penalty until September 1. Then it’s time to start saving for the next summer.

Check dividend rates.

As the name suggests,these accounts can be used for any little thing that may come up. You can use your funds whenever you wish.

Check dividend rates.

Please apply for our club accounts in person.

Don’t worry. Your money is safe with us. Our savings accounts are insured to $250,000 by the National Credit Union Administration,an agency of the federal government.


  203 Booth Street
Elkton,MD 21921
410.398.0032 fax
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