Regular Shares: Our Regular Shares account is the key to all our other financial products and services.  A minimum of $25 opens an account.  You need to maintain the minimum $25 balance in this account as long as you are a member. Christmas Club: Save money throughout the year to help with Christmas expenses.  Money you have saved will be transferred to your Regular Shares account in mid-October. Kid's Klub: For our young members, newborn through 12 years old, make a deposit and get a Kid's Klub Koin for a prize from our Kid's Kabinet.  Kids, just like adults, need to keep a $25 minimum balance Bond-A-Month Savings: Deposit money into this account and every month we will buy a savings bond for you. IRA Accounts: Save for your golden years. Contact Linda, Leslie, or Jill for more information. Share Draft (checking): Our Share Draft account features no minimum balance, no monthly fee, and no per-check fee.  Automatic transfers from your Regular Shares account for overdrafts can be made up to six times per month, if the money is available.  ATM/Debit Cards are available with your share draft account. Time Share Certificates: Our time share certificates are just like Certificates of Deposit.  Please see the "Rates" page for interest rates and available deposit periods.