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Federal Fair Housing Law and the Equal Credit Opportunity Act.


ncua Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.



Share Draft (Checking) Account

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A Share Draft Account is a step up from checking accounts. There is less paper work, easier balancing, better record keeping, and great service.

If you have a Share (savings) Account then you are eligible for a Share Draft Account. The Share Draft Account earns dividends on the actual daily balance. These dividends are posted quarterly on the first day following the end of the quarter and are available immediately.

Deposits can be made through payroll deduction, mail, direct deposit, night deposit, or at our office. The service charge is only $4.00 per month and is deducted the last day of each month.

A Cirrus ATM or VISA Check card is available with this account at no additional charge. It will access the Share and or Share Draft Account. American Express Traveler Cheques are available with this account with no service fee.

The Share Draft Account has overdraft protection. Funds will be automatically transferred in $100.00 increments from your Share Account to cover any overdrafts. This can be done six times per month at no charge. Each time thereafter the six, you will be charged $3.00 for every transfer that has to be made to cover overdrafts.

We offer many different Share Draft accounts, one sure to fit your needs:

Golden Apple Share Draft - for our members age 55 and over. Features include, free Golden Apple Share Drafts, no fee for Traveler Cheques, free cashier checks, no minimum balance requirement, VISA Check Card with up to $2,000.00 per day transactions and/or ATM Card with cash withdrawals up to $300.00 per day. Overdraft protection is available. All this with NO SERVICE CHARGE. Dividends are earned on actual daily balance and compounded and paid quarterly.


Traditional Share Draft – no minimum balance required, dividends earned on the actual daily balance and compounded and paid quarterly, overdraft protection, VISA Check Card or ATM, for only $4:00 per month.


Core Share Draft Account – if you have Direct Deposit, this account is for you. Free cashier checks, no fee for Travelers Cheques, VISA Check Card with unlimited debit transactions. Dividends earned on actual daily balance, compounded and paid quarterly. Maintain a daily balance of just $400.00 and there is NO Service Charge. (If the daily balance falls below $400.00 service charge is $4.00 per month.) Overdraft protection is available on this account.


Basic Share Draft Account – our “no frills” share draft account offers free cashiers checks, no fee for Travelers Cheques, a Cirrus ATM Card OR visa Check Card with unlimited debit transactions. Maintain a $400.00 daily balance and there is no service charge ($4 per month if the daily balance falls below minimum.)


aPlus Share Draft Accountashley
for our student members ages 16-25, this non interest bearing account requires no minimum balance, ATM or Visa Check Card with unlimited debit transactions is available. NO monthly service charge. (Members under 18 must have parent or guardian as joint owner.)

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