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Savings and
Investments Options

Community Financial Credit Union offers an array of savings and investments to help you meet your financial goals.

Share (Savings) Accounts
Overdraft Protection
Sub-Share Accounts
Holiday Club Accounts
Investment Savings Accounts
Individual Retirement Accounts
Certificates of Deposit
NCUA Deposit Insurance

Fee Schedule, Additional Disclosures

Share (Savings)

By opening a primary share account, you become a shareholder of Community Financial Credit Union (CFCU), eligible to use or apply for the entire range of services offered by CFCU.

The primary share account is opened with a minimum deposit of $5 (the par value of a share of ownership), which must be maintained at all times.

Your share account works just like a regular passbook savings account, but as an owner, you earn competitive dividends. (Compare rates and see!)

Dividends on the Share account are calculated daily and paid monthly on accounts with balances of $100 or more. All accounts are insured, in aggregate, up to $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government.

The more you invest in your share account, the stronger your financial outlook. Financial advisors recommend keeping a balance equal to at least three to six months' salary in your savings account. (Hint: If your employer offers direct deposit or payroll deduction, this is a great way to build your savings account!)


No more embarrassment and expense of overdrawn checks!

Overdraft Protection is a safeguard against overdrawing your CFCU checking account. You authorize the automatic transfer from your share account the sum necessary to cover any overdrafts. You'll be covered for up to six transfers per month providing funds are available in your share account.

Be sure to sign up for overdraft protection when you open your CFCU checking account!

Sub-share Accounts

We offer special goal-related share accounts to help keep your funds organized. Get the convenience of other club accounts without all the hassle. Save for the holidays, to pay your taxes, or for that dream vacation. Contact our office for complete details.

Holiday Club

It's never too early to start saving for the holidays. Our Holiday Club Account allows you to save "painlessly" for those special Christmas gifts. By putting a few dollars away each month, you can build your Christmas Savings easily. And, automatic payroll deduction is the most convenient way to do it.

Just look how your savings can grow!

Weekly Deposit Balance*
$5 $260
$10 $520
$20 $1,040
$50 $2,600
Based on 52 weekly deposits.
Amounts do not include dividends!

On November 1 of each year, we'll disburse the funds as you request when you open the account (you'll be given the option of receiving a check or transferring the balance to your CFCU Checking or Share Account).

Dividend rates are paid monthly at a higher rate than primary shares so your money will work even harder for you! Withdrawals are not limited but are subject to a $10 fee.

To open your Holiday Club Account just call or stop by our office.

Savings Account

Get the liquidity of a money market account with competitive interest rates! The Investment Savings Account is a variable rate savings account which features a tiered rate based upon the balance of the account ($2,500 minimum). The more you save, the more you can earn!

Tiered rates, calculated on actual balance, compounded and paid monthly.
Tier 1: $2,500 - $9.999.99
Tier 2: $10,000 - $24,999.99
Tier 3: $25,000 and over

Individual Retirement
Accounts (IRAs)

Community Financial offers the Traditional IRA, the Roth IRA, with its opportunity for tax-free earnings, and the Coverdell Savings Account (formerly known as the Education IRA) to help families save for post-high school educational expenses. Click here for more information.


If you're looking for a higher return on your money, consider CFCU's certificates of deposit. Our rates and terms are structured to be competitive and convenient.
  • Competitive rates help your money work harder for you.
  • Earned dividends may be deposited to your credit union account or mailed to you.
  • Financial security with NCUA insurance.
  • Various terms available allow you to choose the term to meet your needs.
  • Convenient automatic renewal helps avoid delay in reinvesting after your CD matures.
Minimum Balance to
Open/Earn Dividends
3 month $1,000
6 month
12 month $500
12 month $1,000
24 month $1,000

NCUA Share

Your Accounts Are Safe with Us

You can rest assured that there is no safer place for your hard-earned funds than a federally insured credit union -- your Community Financial Credit Union. Every dollar you invest in Community Financial Credit Union (up to $250,000) is fully insured by the National Credit Union Administration (NCUA), an agency of the federal government.

The NCUA is the equivalent to the banks' deposit insurance fund. In addition, all funds deposited into Individual Retirement Accounts are insured separately up to $250,000.

If you have more than $250,000 on deposit at the Credit Union, there are several options available for additional coverage on multiple accounts. These options are based on different ownership interests or rights in different types of accounts.

For more information about the NCUA or to calculate your account coverage potential with the NCUA Share Insurance Estimator, click here.

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